Dos and Don’ts for Auto Insurance

When searching for auto insurance you will want to find the best deal. While you may think that skimping on coverage is the best way to save money, that’s not the case. Keep these things in mind about getting car insurance when shopping for insurance at Epic Insurance.

Do Make Sure the Policy Reflects Current Needs

Many times, people get their policy and then just forget about it. Different situations could arise that require you to change your policy. Look at the current mileage and value of your car and see if anything has changed. Always make sure to keep your personal information updated. If you have gotten married or an advanced degree, you may be able to save.

Do Consider Collision Coverage

If your car is old, you may not want collision coverage because the insurance company would likely just consider your car a total risk. If you don’t have collision coverage, make sure that you have enough saved or put aside to use for repairs or on a down payment for a new car.

Don’t Get the Bare Coverage

While you have to get the required insurance for Lees Summit, MO, it’s a good idea to get a little more coverage so you aren’t on the hook for car damages or medical expenses and your other assets are protected.

Don’t Skimp on Coverage for Uninsured Motorist Coverage

If you are in an accident with someone who doesn’t have auto insurance, you will be on the hook for all of the expenses if you don’t’ have uninsured or underinsured motorist coverage. While it’s a requirement to have insurance, many people don’t in Lees Summit, MO and you want to make sure you are covered.

Contact an agent at Epic Insurance to find the right auto insurance for your needs.

Do You Need to Have Home Insurance in Place at Closing?

Buying your first home can be an exciting time in your life. But, it can also be a confusing time. There are many elements that go into buying a home, and if a mistake is made, it can slow down or delay the home buying and closing process. As a first time buyer, one of the questions that you may have is whether you need to have home insurance in place at closing or whether this is something that you buy after the home closes. Here at Epic Insurance, serving the Lees Summit, MO area, we are often asked this question. Here is the answer we provide to our new or existing clients. 

Do You Need to Have Home Insurance in Place Before Closing on a Home?

Most lenders will require you to have home insurance in place before you close on a home. However, if you do not have insurance in place before closing, many lenders work with insurance agents who can provide you with a supplemental policy that allows you to have insurance in place to close. Unfortunately, though, these policies are often expensive and provide little coverage, so it is always recommended you come with your own insurance. 

Why Do You Need Home Insurance in Place Before Closing on a Home? 

As soon as you close on a home, it is now yours. If the home catches fire a minute after closing, it is your issue to deal with. As such, lenders require you to have home insurance before closing to minimize any risk from unexpected events, such as fires and hail damage. 

If you are preparing to close on a home and are in need of a new home insurance policy in the greater Lees Summit, MO area, let Epic Insurance help you. Contact us today and let us find you the right policy before your closing date. 

Home business insurance benefits

At Epic Insurance serving Lees Summit, MO, they understand that although you may be a professional, working at home gives you the privilege to dress in jammies and bunny slippers if you choose. Although your dress may be casual, your attitude isn’t, nor should your approach to commercial insurance.

But the conundrum is, if you live and work at home, why would you need commercial insurance?  

Unfortunately, your homeowner’s insurance doesn’t cover anything business-related, for example, your home office or office space, important paperwork,  samples, inventory, computer equipment, data and more.

The right commercial insurance can cover things like the cost of replacing your lost property. replacing your lost income and the liability for injury to employees and clients.

However, you need an insurance professional to help you find the right insurance for your area and home business.

Here are some questions you should talk over with your insurance agent.

  • Is this where your primary business conducted? 
  • If so, do the clients or customers come visit you at your home to do business?  Or is all your business conducted off-site or remotely?
  • Are there any employees?   Do the employees come to work in your residence, or do you contract with them remotely?
  • Are there any business signs displayed?
  • Is there a separate entrance and office?
  • Or do you meet with someone in your living or dining room?
  • How many clients or customers visit the business a week?
  • Does the business use any flammable or hazardous materials?
  • Is there some kind of construction or small manufacturing done at this location?
  • Do you do shipping from this location?

At Epic Insurance serving Lees Summit, MO, they are happy to guide you through the process of choosing the insurance that works best for you and your home business.

5 Ways to Prepare Your Car for Fall

Fall is a time to gear up for Thanksgiving and Christmas holidays. In all your planning, don’t forget to prepare your vehicle for cooler weather to come. Your vehicle should be in optimum condition for holiday travels and your insurance up to date. You can easily update your policy by contacting an Epic Insurance agent in Lees Summit, MO. Here are a few other ways you can prepare your vehicle for fall.

Routine Inspection

Have a mechanic give your vehicle a thorough inspection, checking brakes, tires, belts, hoses, and fluids. You don’t want to risk getting stranded out in the cold.  A thorough vehicle inspection after summer will make it safer to drive in fall and winter weather.

Repair Blemishes

Repair scrapes and scratches on your car’s finish before winter sets in earnest. Harsh winter weather will only make these worse. You can often fix minor imperfections yourself with an auto repair kit from your local auto shop. DIY repairs will save money and improve the exterior appearance of your car.

Check Tires

Fall’s a good time to check your tires for wear and tear. Driving with worn tires will increase your risk of accidents on icy Missouri roads. If you plan to drive extensively this winter, consider investing in a new set of snow tires.

Update Floor Mats

Floor mats often take a beating during summer due to extensive summer travels. Investing in quality floor mats will keep your car cleaner and protect your vehicle’s carpeting all winter long.

Prepare a Roadside Emergency Kit

Prepare a roadside emergency kit and keep it stored in your car. This kit could save your life in the event of a breakdown or accident in a winter storm.

At Epic Insurance, Lees Summit, MO, your safety on the road is our priority. Contact us for all your auto insurance needs.

RVs and Wintertime: How Insurance Works for You

Most think of summertime activities at the lake when they think of RVing. Sometimes the lure of the open road strikes in the fall and wintertime. The agents at Epic Insurance will ensure that you have the right insurance coverage for your RV and your lifestyle. Serving the Lees Summit, MO area, they are knowledgeable about insurance products for different classes of RVs and owners’ lifestyles. 

There are several factors that go into selecting the best RV insurance. Basic RV insurance will include liability coverage. Personal injury liability, collision and uninsured/uninsured motorist coverage is also available and familiar to most consumers. A comprehensive plan will cover damage to the vehicle and can include coverage for theft and vandalism. Talk with your agent and make sure that you understand fully what you are covered for. Having problems on the road is frustrating but it can be especially challenging in the winter months.

RV insurance also varies based on the class of vehicle. Class A motor homes are the largest with full size dining, bath and bedroom areas. Camper vans fall into the Class B category. The more economical, mid-size motor homes are Class C. Due the varying size and weights of RVs in each category, different insurance products are used. Also, policies are available to cover your personal items, vacation liability and permanently attached items such as satellite dishes or side canopies. 

Hitting the road during the winter can create fun family times. Touring areas with changing foliage or exploring the snow covered countryside can bring new experiences. The team at Epic Insurance wants you to be able to focus on family in the Lees Summit, MO area and beyond. Call them today and get the coverage you need throughout the year.

Things Your Home Insurance Does Not Cover

Home insurance is absolutely essential for every home, and it covers many issues that can occur in a home. But there are also some issues that home insurance does not cover, and at Epic Insurance serving Lees Summit, MO, we want you to know what they are. Here are some problems that your home insurance policy probably does not cover.

Floods

Floods can happen quickly and be absolutely devastating to a home and its contents. But many home insurance policies do not cover floods. You would have to get flood insurance. Check to see whether your local conditions mean it makes sense to get flood insurance.

Mold

Mold can result from floods or any type of water damage. There are numerous species of mold, and they can seriously destroy a home and all of your belongings. But a typical home insurance policy does not cover mold damage.

Termites

A standard home insurance policy in many cases does not cover issues like termite infestation or problems caused by various rodents and insects. Take precautions so you will not have an issue like this that could cost you large amounts of money.

Sewer Issues

If you have a sewer system in your home, you need to be well aware that your typical home insurance policy probably does not cover issues resulting from the sewer backing up. Take the necessary precautions to avoid unpleasant problems that could result from a sewer backup.

Check on your policy to see what exactly it covers. Review that information, and make any changes to your insurance coverage based on what you find out. For example, consider purchasing flood insurance if you do not already have it. If you need more information about home insurance, we’re happy to help. Contact Epic Insurance serving Lees Summit, MO today.

Tips for Small Business Owners When It Comes to Commercial Insurance

If you are starting your own business, there are several key tips that you’ll want to keep in mind when it comes to purchasing commercial insurance.

Remember that your home business also needs coverage.

First, remember that if you’re starting your small business in your home, you will still need commercial coverage.

Make sure your coverage is in line with state requirements.

Next, keep in mind that state requirements are different in every state, so make sure that you are aware of the commercial insurance requirements in your own home state.   

Make sure you know who your employees are and what contractors are working for you.

There is a difference between hiring contractors who work as freelancers and do small projects for you and working with your own employees. Naturally, you will need to have worker’s compensation policies in place for your employees, but you’ll be treating “contractors” differently.

Keep an eye on your coverage as you grow as a business.

Finally, as your business continues to grow, make sure that you keep an eye on the coverage that you have. You’ll want to make sure that you update your coverage when you have more employees, different products and services, and different property.

Contact Epic Insurance for More Information

If you are a resident of Lees Summit MO or have a business there and are looking for commercial insurance, let Epic Insurance help you find a plan that will work for you. We proudly serve businesses and residents in and around Lees Summit, MO, and we’d love to locate a plan the fits all your needs. Find out more by giving us a call directly or stopping into our nearest office location at your convenience. We look forward to working with you!

When Should You Increase Your Life Insurance?

At Epic Insurance, serving the greater Lees Summit, MO area, we are often asked how much life insurance a person should carry. However, there is not a one size fits all answer. Your life insurance policy may need to be increased or decreased as changes occur in your life. This may lead you to wonder when your life insurance policy should be increased. Here are a few of the times when you should think about increasing your life insurance policy.

You Are Adding to Your Family

One of the reasons you should increase your life insurance policy is because you are adding to your family. Your household expenses rise with each baby you have. As such, you need to increase your life insurance policy after the arrival of each of your children.

You’ve Taken on New Debt

Life insurance can help you spouse pay down debt if you pass away. As such, if you have taken on new debt, either by buying a new home, taking out a second mortgage to renovate your home, or taking out student loans to go back to school, you will want to increase your life insurance policy to cover this debt.

Your Pay Has Drastically Risen Since Your Last Life Insurance Increase

The last reason you will want to increase your life insurance policy is because your pay has drastically risen since you last took out a policy or increased it. Most people get used to living to a certain standard based on what they make. If you are making more than you did in the past, your spouse and kids may be used to this lifestyle. If you pass away, you want to ensure they can live the way they have become accustomed to by increasing your policy amount.

If it is time for you to increase your life insurance policy in the greater Lees Summit, MO area, contact Epic Insurance. We can help you determine how much life insurance you should have and then draw up a policy.

What Is Covered Under a Home Insurance Policy?

In the event that your home or property is damaged or destroyed, homeowners insurance will provide you with financial protection. Homeowners insurance will also come in handy in the event that you or a family member are held liable for damage to the property of another person or the injury of another person. The vast majority of mortgage lenders in Lees Summit, MO require homeowners to have a home insurance policy like that offered by Epic Insurance.

What Is Covered Under a Home Insurance Policy?

The vast majority of home insurance policies will cover damage incurred by vandalism, theft, fire, lightning, windstorms, hail, and other perils. Certain homeowners policies cover more perils that are typically excluded, such as earthquakes and floods. You have the option of purchasing supplemental insurance for perils that aren’t covered.

What Do Most Home Insurance Policies Provide?

  • Dwelling coverage – In the event that your home is damaged or destroyed, dwelling coverage will pay to rebuild or repair your home. This includes heating and air conditioning, electrical wiring, and plumbing. The damage or destruction has to be the result of a cause of loss that is covered.
  • Other structures coverage – Other structures coverage will pay for damages to fences, garages, cottages, sheds, and other detached structures.
  • Personal property coverage –  This coverage will reimburse you for any personal items in your home that have been damaged or destroyed by a cause of loss that is covered. Some examples of personal items include electronics, furniture, sporting goods, and clothes.
  • Loss of use coverage – While your home is being restored, loss of use coverage will pay for your living expenses and additional housing.

For more information about what is covered under a home insurance policy in Lees Summit, MO, feel free to reach out to us here at Epic Insurance.

Reasons to Get a Business Owner’s Policy in the State of Missouri

Entrepreneurs are often concerned about what to do if something were to happen to their place of business, which is why they need to have an insurance policy so they can be covered for these types of liabilities. There are different types of coverage available, and all of them are meant to protect you against certain perils. You have the option to purchase a more comprehensive plan that can offer a more complete solution than just one type of coverage, and you can get that with a business owner’s policy (BOP).

Advantages of a Business Owner’s Policy

By getting a business owner’s policy, you can tailor it according to your specific needs, and it can be less expensive than getting each type of coverage individually. A business owner’s policy can include the following coverage options:

•    Property insurance
•    Business interruption/continuation insurance
•    Liability insurance

A business owner’s policy won’t cover professional liability, which is anything that was the result of a wrongful practice. And it doesn’t include any of the following:

•    Auto insurance
•    Workers’ compensation
•    Health insurance
•    Disability insurance

These policies must be purchased separately if you think it’s necessary

If you want to find a business owner’s policy that will meet your specific needs, then you need to get in touch with Epic Insurance in Lees Summit, MO. We have agents who understand commercial insurance in detail, and we would be happy to help you find what you’re looking for.

Who Can Qualify for a Business Owner’s Policy

Not everyone can qualify for a business owner’s policy, because certain industries have a unique set of risks that may be too costly for an insurance company to cover. These businesses may need a more customized form of coverage than what may be offered in a business owner’s policy. A home-based business with a small amount of people could start out with a business owner’s policy, and it can expand its coverage as it continues to grow.
To find out if you can qualify for a business owner’s policy, then you need to get a hold of Epic Insurance. We have served the people of Lees Summit, MO for a long time, so we understand the needs of the community. Get in touch with someone at our office to find out what we can do for you and your business!