Summer Maintenance Tips for Boats

With the warmer months now upon us, thousands of boaters are taking to their nearby waterways for some fun. While boating is one of the most enjoyable recreational activities it can also be dangerous. Not only should you follow the tips highlighted below, but you should also have – and may be required to carry – boat insurance on your vessel. The pros at Epic Insurance in Lees Summit, MO are more than happy to provide you with a no-obligation quote that will offer you an abundance of peace of mind.

Detail Your Boat

Not only will washing your boat make it stand out in a crowd and look the best but also it will help prevent the buildup of salt and other water debris that can wreak havoc to your boat’s exterior and the outboard engine. Depending on how frequently you take your boat on the water, it may need to be washed as frequently as once per month. Otherwise, always aim to wash your boat at the beginning and end of every boating season to ensure it goes into storage clean and safe.

Check the Propeller

If your boat has an outboard motor be sure to examine the propeller as part of your predeparture routine. Start by using a deep socket wrench to ensure that the propeller nut is secure. Additionally, while you don’t have to do this before every trip, it is recommended to routinely remove the propeller to make sure that the fishing line has not wrapped around the shaft which could cause a heart-wrenching accident. Lastly, always give the propeller a once over with your eyes to visually inspect for damage and disrepair. 

.Check Your Oil

Your vehicle is not the only thing that needs to have its oil changed. Always check the fluids in your boat before hitting the water. If the oil is very dark or the engine is at the manufacturer’s recommended service oil, then it’s time to change it.

Types of Health Insurance and Your Options in 2020.

Health insurance is not really a one size fits all type of purchase. But navigating exactly what you need can be difficult, after all, people shopping for their own options in a variety of health insurance types is a relatively new concept. At Epic Insurance we offer a variety of insurance options and we will be happy to help clear up any confusion you have about the types and your specific needs. We serve the people of  Lees Summit, MO with comprehensive insurance services. 

Three Types of Health Insurance:

  • HMO – This stands for Health Maintenance Organization. This plan delivers a wide variety of health services through the largest network of providers. The downside is that you may have fewer options for healthcare providers. But an upside is that you likely have much less paperwork.
  • PPO – Stands for Preferred Provider Organization. It offers you a bit of freedom when choosing your healthcare providers but the out of pocket cost can increase with out of network doctors. There is more paperwork involved if you go out of the network so you do pay for the option with both time and money. 
  • EPO – Is short for Exclusive Provider Organization. You have more freedom than with an HMO to choose your providers and you do not need a referral to see a specialist. But there is zero coverage for out-of-network providers. The paperwork with this plan is less than with the PPO.

There are more types of health insurance that may fit your needs but these are the main three options that many choose. Epic Insurance can provide you with all of your insurance needs from home to auto to life to health. We are happy to answer any questions you may have about any of these. 

What Commercial Insurance Can Cover?

When you run your own business you need to have commercial insurance that fits it like a glove. Of course, your company is different from the one next door or across the street, which means you need to tailor design your commercial insurance. But what all can commercial insurance cover? If you run a company around Lees Summit, MO our staff here at Epic Insurance can help you with that very question. 

Protect Your Property

Commercial insurance can protect your property. You can protect the physical location and building, and you can protect the equipment that is inside the property. 

There are all kinds of ways to protect both equipment and building. You can dive deeper into insurance options by obtaining window insurance or flooding insurance. If there is something specific you want to protect you can do exactly that with commercial insurance. 

Employee Insurance

You will want to consider worker’s compensation insurance. If an employee is injured doing their typical business tasks the worker’s compensation will help pay for their medical bills. It will also pay them while they are unable to work. 

Auto Insurance

If you drive for your business (or have business vehicles) commercial insurance can protect the vehicles. After all, accidents don’t just happen while inside your place of business but on the road as well. You need to protect your business at all times.

Protect Your Business

Your business is, in many ways, your life. And as such you need to protect it. With all kinds of commercial insurance options out there you’ll need to fine-tune the coverage you go for. Here at Epic Insurance we want to help you with exactly that. So, if your business operations run anywhere around Lees Summit, MO we can work with you in finding the right commercial insurance coverage for your business. 

How to prepare your home for summer to avoid home insurance claims

As a homeowner in the Lees Summit, MO area, it is critical to maintain your home all year round; however, it is also essential to prepare for the house specifically for the summer season. These are specific steps the agents at Epic Insurance have outlined to help prepare your home and avoid insurance claims. 

Trim trees back 

A strong summer storm can cause tree limbs to come loose and cause severe damage to your siding and windows. Before summer arrives, it is important to have the tree branches cut back and any loose limbs removed. In addition to trees, make sure your fence is secured so it does not come out of the ground and hit you or your neighbors’ house. 

Clean the gutters 

Before summer hits, be sure to have your gutters cleaned. With increased rain in the summer, if your gutters are clogged, the water will penetrate the house and cause water damage. Clean gutters will significantly reduce the likelihood you will have to file a water damage claim. 

Check your roof and make any repairs. 

The winter months can really take a toll on the condition of the roof. If the damage was caused to the roof during the winter, a rainy summer could lead to damage in your home. Be sure to have any holes patched, and shingles replaced before summer. 

Repair your driveway 

Similar to the roof, winter can cause damage to your driveway. With more guests coming over during the summer months, it is crucial to have any cracks or holes repaired. If a guest trips on one of the holes, you could end up paying a large liability claim. 

If you would like to learn more about home maintenance tips, reach out to an agent at Epic Insurance. We proudly serve the Lees Summit, MO area. 

Required Vs. Optional Auto Insurance

Liability insurance for automobiles is required of Lees Summit, MO drivers; however, there are optional coverage options as well.  Liability insurance covers the insured person’s responsibilities when they cause injuries or damage to the property of others. Should you be in an accident with an uninsured driver then required insurance will protect you as well.  Liability insurance provides coverage for costs related to injuries or death the insured may cause while driving the vehicle.

Insurance will also reimburse others for damages the insured may cause to another vehicle or property. While liability insurance is required it does not cover damage to the insured’s person’s car should it be damaged.  There is optional coverage available to drivers to protect their own vehicles against accidents, theft, and even windshields. Lees Summit’s Epic Insurance agents will help drivers decide what coverage might work for their situation. Optional collision insurance will reimburse drivers for damage to their own vehicle after a collision with another vehicle or object.  Comprehensive coverage will protect drivers against theft and damage caused by an accident such as fire, flood, hail, or even fallen trees. Some drivers may opt to purchase glass coverage for their vehicles as well. This optional insurance will help with replacing windshields or other windows damaged by collisions or other types of damages like falling tree branches or rocks. 

Drivers should carefully consider the types of insurance that are required as well as optional policies that may be available as well. Epic Insurance, located in Lees Summit, MO, is here to help drivers understand the difference between required and optional insurance coverage for your automobile by either visiting an office in person or visiting our website.  

What Is Recreational Insurance?

Recreational insurance is the insurance that you purchase for your recreational vehicle. This insurance is a little difficult to understand because some types of homeowners’ insurance coverage have provisions for recreational vehicles. Also, some auto insurance policies have coverage for recreational vehicles. This is because RVs combine the features of a home with the features of a vehicle.

Here are the five major types of recreational insurance coverage.

  • Personal Injury Protection
  • Comprehensive Damages
  • Property Damage
  • Bodily Injury Liability
  • Uninsured Motorist Coverage
  • Umbrella Insurance

Personal Injury Protection

As its name implies, this recreational insurance coverage compensates you for the injury you sustain in an accident that has been established to have been caused by you. This policy refunds your medical bills.

Comprehensive Damages

In case your RV gets vandalized, stolen, or burnt, this coverage will either fix it for you, or replace it completely. This coverage is not mandatory but it is necessary because an RV is a huge investment, it should be protected.

Property Damage

This coverage will fix the third party’s property if you damage it with your recreational vehicle. You could mistakenly run into a vehicle (stationary or in motion), or you could miscalculate and run your RV into someone’s fence. Also, it is possible for a guest in your motor-home to fall and get his phone damaged. This coverage will fix the damaged property in all the situations.

Bodily Injury Liability

If you cause an accident while driving your recreational vehicle or you mistakenly run into another vehicle, and people get injured as a result of your negligence or mistake, this coverage will pay their medical bills.

Uninsured Motorist Coverage

It is possible for an uninsured driver to hit your recreational camper. This coverage will fix your vehicle.

Umbrella Insurance

Every type of insurance coverage has a financial limit. If your coverage reaches its limit and still does not cover the full payment, umbrella insurance coverage will pay the rest.

For more information, call Epic Insurance in Lees Summit MO.

 

Important questions to ask when purchasing a boat insurance policy

As a boat owner in the Lees Summit, MO area, it is critical that you ask the right questions before purchasing a boat insurance policy to make sure you have the right types of coverage. While boat insurance is not mandatory, it is critical that you consider buying it, so you do not end up paying out-of-pocket after an accident.  An agent at Epic Insurance would be happy to answer all your questions about boat insurance. 

Should I get agreed to value or actual cash value?

Deciding on the amount you want to insure your boat for is a critical decision. Actual cash value takes into consideration depreciation when paying out a claim, so as your boat gets older, it will be worth less and less from an insurance perspective. Agreed to value is a predetermined amount that you agree with the insurance carrier on in advance. If you purchase an agreed value policy and end up upgrading your boat substantially, you should have the amount adjusted. 

How far offshore can I take my boat and still be covered?

Each insurance carrier will have a certain distance you can take your boat offshore and still be covered. It is critical that you know what your policy allows for before taking your boat out. 

What is my insurance carrier rating? 

Purchasing an insurance policy through an insurance company with a good rating is essential. The higher the rating indicates the insurance company is financially sound and will be around in the event, you need to file a claim. 

Are my personal belongings on the boat covered?

Policies do not automatically cover personal property on the boat. If having your personal property covered is essential, we can add coverage to the policy through an endorsement. 

If you are interested in learning more about boat insurance, reach out to an agent at Epic Insurance today. We proudly serve the Lees Summit, MO area.

Why do I need to have health insurance?

Most consumers in the Lees Summit, MO area have a variety of personal insurance needs. The most important form of insurance overall could be having health insurance. While health insurance is confusing and can seem challenging to access, there are several reasons why someone needs to have health insurance at all times. 

Helps to Promote Good Health

The main reason why you need to have health insurance is that it helps to promote good health. When you have a good health insurance policy, you will be able to see a doctor and another specialist when you need to. This will ensure that you are able to stay on top of your health and address concerns when they come about. Further, you will have access to affordable care and prescription medication. 

Required by Law

Over the past few years, it has also become a legal requirement to have health insurance. Today, there are many different health insurance options available to people, many of which come with subsidized and more affordable insurance rates. If you do not have evidence of health insurance at any time of the year, you could face a penalty at tax time. 

There are many important reasons why everyone should have health insurance coverage at all times. For those that are in the Lees Summit, MO area and need health insurance, speaking with the insurance professionals at Epic Insurance is a great way to start. Epic Insurance can help you to identify all of your health insurance options and work with you to figure out which option is best. This will ensure that you are able to get into a good policy that properly protects you and your dependents. 

 

Why Commercial Insurance Is So Important

A Lees Summit, MO business owner has a number of risks that they are going to need to account for. Employees can become injured on the job. Natural disasters may take place. Dissatisfied clients could decide to file suit, leaving the business scrambling in search of solutions.

For these reasons (and more), commercial insurance is of the utmost importance. Protection of assets is crucial. For starters, a Missouri business is not always required to obtain commercial insurance by law. Meanwhile, employees need workers compensation insurance and this is mandatory. 

Coverage is required for any business that has five employees or more and any business that relies on company automobiles must also obtain the required auto insurance. 

Commercial liability coverage must remain sufficient. Since Missouri is a pure comparative negligence fault state, the insurance adjuster is going to be responsible for deciding who is at fault. While a business does not necessarily have to purchase insurance, the insurance adjuster is not going to look upon these businesses as kindly.

Every business is unique and will need to meet with Epic Insurance to find out more about their options. A commercial insurance policy that works wonder for one company may not provide another with the protection that they need. Business owners should not be relying on the law to tell them what to do in these instances.

After all, assets are not going to protect themselves and all it takes is one lawsuit to leave a business in shambles. Commercial insurance is key, as it allows a business to remain up and running in the wake of a natural disaster or an untimely lawsuit. 

Any Lees Summit, MO business owner that is looking to protect their most pivotal assets must make sure to perform their due diligence. Visit the Epic Insurance website today to find out more about the benefits of a commercial insurance policy. 

Make Sure Your Home Policy Keeps Up with Your House’s Appreciation

Our homes are very likely to be the largest financial investment that we make in our lifetimes. It only makes sense to protect it! If you have owned your family home for a long time it has hopefully increased in value. Because of this fact, it’s important to make sure that your home policy is keeping up with the appreciation. Residents in the greater Lees Summit, MO area can rely on the team at Epic Insurance to help them review their homeowner’s policy for completeness.

Is Your Home Policy Lagging Behind Your House’s Value?

Many people research their insurance policies when they make an initial purchase and then think little about it going forward. The same is true of our homeowner’s policy, even though the value of our house may increase significantly over time. Unfortunately, this can mean that your family home is underinsured. Too many people find out after it’s too late that they do not have the proper level of insurance. Don’t let this happen to you! Reviewing your policy on an annual basis to make sure that it is keeping pace with the value of your home is a smart idea and one that you should put into practice. This is doubly true if you have conducted a major renovation, such as a kitchen update or room addition. Your home insurance policy is an important part of taking care of your home and protecting your family’s current lifestyle.

Now is a perfect time to make sure that your home policy is complete and up to date. Don’t let the increased value of your home go unprotected! If you are in the greater Lees Summit, MO area, call or stop by Epic Insurance today to learn more!