Tips to make your house more energy-efficient

Are you looking for ways to make your Lees Summit, MO area house more energy efficient? The good news is that there are plenty of simple and easy things you can do to reduce your energy usage.

Here are some tips from us at Epic Insurance to help you get started.

Tips to make your house more energy-efficient

1. Invest in energy-efficient appliances

When it comes time to replace an old appliance, look for one that is Energy Star certified. This means the appliance meets strict standards set by the Environmental Protection Agency (EPA) and uses significantly less electricity than traditional models. 

2. Insulate your home

Poor insulation can lead to higher heating and cooling costs, so make sure that your attic, walls, and crawl spaces are properly insulated. This helps keep cool air in during the summer months while trapping warm air during the winter. 

3. Install a programmable thermostat

If you currently use a manual thermostat, consider investing in a programmable version instead. These allow you to set different temperatures throughout the day so that your HVAC system isn’t running as much when it’s not necessary. 

4. Use natural lighting

During daylight hours, open up the shades and curtains on windows that receive direct sunlight and let nature provide some free light for your home! This will also help naturally heat up rooms during colder months if the sun is shining directly on them. 

Insure Your Home For the Best Coverage

Making small changes around your home can add up to big savings over time and can dramatically reduce your carbon footprint as well! For more ideas on how to be more energy efficient at home, give us at Epic Insurance a call today. We proudly serve the Lees Summit, MO area.

Why Get Motorhome Insurance?

Interested in purchasing insurance for your motorhome? At Epic Insurance, our team is offering motorhome insurance to the people of Lees Summit, MO. This tends to cover a client in situations involving their RV or motorhome. Owning a motor vehicle comes with a lot of responsibility, from regular maintenance to premium payments. It helps to invest in a form of coverage that will provide payment in the event of damage or loss. 

Reasons to Buy Motorhome Insurance

Just like any other vehicle or domicile, a motorhome is susceptible to damage or loss. Motorhome insurance can provide a number of benefits, most notably financial protection against theft, vandalism, or natural disaster. If the driver doesn’t have liability or auto insurance, this type will cover you against these perilous events.

You’ll need to speak with your agent to learn what specific policies can and will be incorporated into your insurance plan. Some packages may even pay for medical bills incurred by a motorhome accident. Ultimately, this should give you a sense of security in knowing that the agency will financially back you or your family members. 

Get Motorhome Insurance Today

Are you looking for insurance benefits for your motorhome vehicle? If so, then feel free to contact the Epic Insurance Agency in Lees Summit, MO. In addition to this service, we’re offering auto insurance, watercraft insurance, and recreational insurance. Our policies are crafted to meet the needs of our clients.

To schedule an appointment with one of our agents, please contact the Epic Insurance Agency for more information. During the initial consultation, we discussed the client’s options and how our team can tailor the motorhome insurance plan to suit your needs.

What is Custom Motorcycle Insurance?

One of the aspects Lees Summit, MO motorcycle enthusiasts most look forward to when they purchase their bikes is having the opportunity to customize. This means that no two motorcycles will be the same, as there are endless ways to modify a chopper, truly making it your own. Our insurance experts at Epic Insurance are to guide those looking for motorcycle insurance on this important coverage. 

What is Custom Motorcycle Insurance?

Motorcycle riders are compelled by state law to purchase liability insurance in the amount of $25,000 per person for bodily injury and $50,000 per accident.

Most lenders will require you to obtain full coverage indemnification to cover the cost to replace or repair your bike while you still carry a balance. This protects you when you’re involved in a wreck and it’s your own fault, as the other driver will not be paying for your expenses. Your Epic Insurance representative can go into further detail with you about this scenario. 

Custom motorcycle insurance takes into account the individual value of your bike, and aftermarket parts will have to be divulged and described in detail. It can be more difficult to obtain this type of insurance if your motorcycle is not one that is listed in the NADA appraisal guide, a circumstance that is often the case when you build from a kit or from various components. 

A benefit of custom motorcycle coverage is that your bike can be repaired using the same quality equipment with which it was outfitted prior to the collision. You can ask your insurance provider what the replacement allowance is for accessories and any custom parts to make sure you are sufficiently covered. 

Let Us Meet Your Insurance Needs

Epic Insurance is happy to serve motorcycle riders in the Lees Summit, MO area. Reach out to us by phone, visit us online, or stop by the office, and we can put together a package to suit your situation. 

Life Insurance as an Investment Tool

Some life insurance offers a death benefit to your beneficiary and a savings or investment account tied to it. When a life insurance policy has one of these savings accounts, the insurance industry says it includes a cash-value savings account. Our experienced insurance professionals at Epic Insurance in Lees Summit, MO can help you navigate this vital coverage.

Life Insurance as an Investment Tool

Industry experts recommend that you purchase this type of whole life policy by age 30. This lets you save until your planned retirement or death.

Your monthly premium goes to pay for your life insurance first, then deposits the rest of the premium in a savings account.  Some of these accounts offer high-yield interest rates while others use a stock market index as a guide for paying interest.

All of these savings accounts guarantee no loss of your initial investment, so they can provide a safer way to invest in the stock market. Since you won’t lose your capital, you can more easily build your nest egg.

The rest of the life insurance policy works just like any other whole policy. As long as you pay your premiums, you receive coverage. Upon your accidental death or death by natural causes, your beneficiary receives your policy’s death benefit.

While cash value policies once only came in large dollar benefit policy plans, today you can pick up life insurance with a cash value account for a death benefit of $75,000.

Get Life Insurance Today

Let Epic Insurance help you insure your life in the greater Lees Summit, MO community. A life insurance policy provides for your family now through a cash value account and later through the insurance policy’s death benefit. Contact us today.

Health Insurance FAQs

The decision you make about your health insurance is one of the most important you make every year. It will determine the kind of health insurance coverage that you will have for the next year. If you get it wrong, a year can seem like a really long time. At Epic Insurance in Lees Summit, MO, we are an independent insurance agency and, as such, we deal with multiple carriers, giving our customers more choices. 

Health Insurance FAQs

Can I keep my current doctors?

Before you sign up for any health insurance plan check the network to make sure the doctors you prefer to use are in the network. The network is made up of healthcare professionals who have agreed to provide services to a particular carrier for a specific rate. If your doctors are important to you, you need to choose accordingly. 

What is the formulary?

The formulary is the list of drugs that a given health insurance plan will cover. They are arranged by tiers depending on how much a prescription will cost. Some drugs may have no copay and others may have a deductible. Generic is almost always less expensive. 

What is managed care?

Managed care is a type of health insurance plan that manages your health care. Depending on what type of plan you choose, these plans can be quite restrictive. The three most common are HMO, PPO, and POS. With an HMO you can not visit doctors and other healthcare professionals outside the network except for an emergency. You also have a primary care doctor who manages your care. The other two types are less restrictive, but it will always be less expensive to get treatment within the network. 

Get Health Coverage Today

Contact Epic Insurance in Lees Summit, MO to talk about your health insurance and what plan works best for you. 

Required Commercial Insurance in Missouri

In Missouri, there are two types of commercial insurance that some businesses in the state are required to have. It’s a good idea to know which commercial insurance policies are required and whether the rules pertain to your business. When your business needs commercial insurance, call us today at Epic Insurance in Lees Summit, MO.

Required Commercial Insurance

Workers’ Compensation Insurance

This type of insurance is one that pays for medical bills and disability benefits for workers who are injured at work or who get sick there. When an accident or work-related illness does happen, this insurance is important to protect your company from high medical costs and lawsuits. For employees, it’s helpful to know that there is a payment available in case of an accident that injures them. This type of commercial insurance is required for all businesses that have at least five employees. These employees can be either part-time or full-time. If you have a construction business, however, having any number of employees, even just one, requires having this type of commercial insurance. 

Commercial Auto Insurance

If your business owns a vehicle, you must have commercial auto insurance on that vehicle to stay legal. This insurance covers the vehicle against a wide range of liability risks that vehicles face on the road. There are several types of coverage that are required to be in these policies. These include an amount of coverage for a single injured person from an accident and a higher amount required for all of those injured. Both these amounts are for bodily injury liability. There is also property damage liability required as well as an amount for uninsured motorist coverage for one injured party and another amount for all of those injured. 

Get Insured

If your business is required to have commercial insurance, call us at Epic Insurance in Lees Summit, MO.

What Are The Different Types Of Home Insurance Policies?

Home insurance policies protect your home against potential costs associated with disasters, burglaries, fires, and other emergencies. They also help you plan for and manage your home’s future expenses.

Here are some of the differences between basic and premium home insurance policies: 

Basic Policy Types

These policies pay for themselves quickly because customers already have access to a free quote from a licensed insurance broker. This means that the policyholders have maximum protection against outside costs and minimum exposure to potential losses. The policyholder also benefits from a fixed cost impact, which makes it one of the least expensive options available. While this type of insurance is great for those who want complete peace of mind, it doesn’t offer as much coverage as a more comprehensive policy. 

Premium Policy Types

These policies offer greater protections than basic policies and are more expensive. Because they have higher premiums, the policies require longer-term savings before being replaced by newer, higher-priced options. They are also harder for consumers to buy because insurers must charge extra to go beyond their basic liability coverage or pay out a penalty if they lie about their level of cover. For inquiries in Lees Summit, MO consult with us at Epic Insurance.

The one that pays for itself quickly reimburses you for the cost of any damages caused by a specific event. It also offers minimum exposure to potential losses because it doesn’t charge you a premium for the protection. 

Traditional home insurance policies don’t offer this coverage, and most online homeowners’ insurance policies don’t offer it either. This type of insurance is also cheaper than a traditional policy because it covers only the actual costs of the repairs or replacements. A premium home insurance policy may offer more protection in some cases but costs more. 

Which Type Should You Buy? 

The amount you have to pay before a basic home insurance policy is paid is determined by your most recent mortgage payment, your monthly expenses, and your age. The amount you must pay before each insurance policy should be different according to which type of home insurance you buy. Seek advice from Epic Insurance in Lees Summit, MO.

Documents you should always have in your vehicle

Driving is a privilege even though most people seem to treat it as a right. You need to pass tests to get a license in the first place and sometimes to keep it. In America, driving is a necessity for many people given the distances they live from services. So keeping your driving privilege is important. At Epic Insurance in Lees Summit, MO, we make sure that all our customers have the right auto insurance to protect them. 

Documents you should always have in your vehicle

Insurance card

Your insurance card is proof you have at least the mandated amount of auto insurance that is required in Missouri. If you get pulled over for any sort of an infraction, you will be asked to produce your insurance card so make sure it is in your glove box someplace that is easy to access. In an envelope with your vehicle registration is a good place. 

Vehicle registration

All vehicles that are on the road need to be registered. In order to keep your vehicle registered, you must pay your personal property taxes. If they are unpaid, you will not be able to renew.  You also need to have your emissions or safety test completed no more than 60 days before the registration is due. This registration should also be kept in your glove box with the emission test result and your insurance card. 

Driver’s license

Most people use their driver’s license as ID so they carry it in their wallet. If you are in the vehicle, it should be there with you. Keeping a copy along with your other documents is not a bad idea. 

Official state emission inspection report

After your inspection, you will get a report. Keep this in your glovebox with the rest of your documents.

For an independent insurance agent in Lees Summit, MO and surrounding areas, contact Epic Insurance for all your auto insurance needs. 

What Is the Difference Between a Hull and Liability Policy?

Boating is a popular recreational and business activity in Lees Summit, MO. As a boat owner who uses their boat for commercial purposes, you have likely been advised that you need to get a marine hull and liability policy severally. Although these two insurance policies are usually bundled together, they are quite different.

So, what’s the difference? Hull Insurance provides coverage for physical damage to your vessel, while liability insurance commonly covers passenger and third-party injuries and third-party property damage. Having both policies gives you and your commercial boat operations 360 insurance coverage.

Who Requires Marine Hull and Liability Insurance?

At Epic Insurance, we recommend that private and commercial watercraft owners and operators and other associated businesses get hull and liability insurance. This includes ferry operators, fleet owners, ship owners, charter and tourist boat operators, persons and companies with loans on vessels, and work and tug boat handlers.

What Marine Hull and Liability Covers Should You Consider?

  • Vessels/hull insurance takes care of accidental loss or damage to a watercraft anywhere within the predefined navigational limits listed in the policy. Your boat will have to be valued and inspected to set an agreed value for the insurance. 
  • Liability insurance is available as a stand-alone cover or an extension to the vessels/hull insurance. Limits for the policy can be agreed on based on territorial limits, use, and vessel type. 
  • Ship repairers’ liability is coverage against legal liability for ship repairers if loss or damage occurs to a boat in their care, control, or custody. 
  • Ship builders’ risk provides coverage to ships under construction or conversion. It protects against physical loss or damage during launching, sea trials, and other liabilities that may arise due to the build. 

Do you need help with marine insurance in Lees Summit, MO? Contact us at Epic Insurance, and our highly experienced and friendly insurance agents will help your figure out marine insurance.

Should all recreational asset owners in Missouri get recreational insurance?

Living in the Lees Summit, MO area can be a great idea as the area offers a lot of fun recreational activities and opportunities. One way to ensure you have a fun experience living here is by investing in your own recreational toy. If you do choose to purchase a recreational toy, you will want to get the right insurance for it. There are various reasons that recreational asset owners here should get this coverage.

Recreational Insurance Benefits

Protect Your Asset

If you own any type of recreational toy, you will want to enjoy it for a long time. Unfortunately, the risks of theft or accident damage can preclude long-term use. If you get a recreational insurance plan for your recreational toy, you can get the coverage needed to ensure you can replace or repair the asset if you incur a loss. This coverage may also be required if you took out a loan to finance the asset purchase. 

Reduce Liability Concerns

It is important to be careful when using any recreational toy. However, even if you are cautious, there will always be a chance that you could cause an accident. If this happens, you will need to cover any damages. Fortunately, if you do obtain a recreational insurance plan, it will give the coverage that is needed to offset this risk. 

As you are looking to insure your recreational asset in the Lees Summit, MO area, it is important that you speak with someone that you can trust. The professionals with Epic Insurance will offer the support that you need to build an appropriate plan. Epic Insurance understands the unique options that this coverage provides, and they will give you support to ensure you choose a plan that is right for your situation.