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Life Insurance: Future Protection for Your Loved Ones

Posted on February 14, 2023February 14, 2023 by admin

Do you have a family that depends on you? Do you have life insurance? Our professionals at The Insurance Hub LLC, serving Wichita, KS and the surrounding areas, are here to assist.

Life insurance comes in two forms:

Term life insurance offers coverage for a certain amount of time, usually between 10 and 30 years. Sometimes referred to as pure life insurance, there is no cash value component to the policy. It ends when the term is over.

Permanent life insurance offers coverage for your entire lifetime. It has a cash value component, and as long as the premiums are paid, the coverage lasts for the entire life of the insured. A portion of the premium dollars becomes tax-deferred over time, but the death benefit is immediately paid out from the first day you are insured. The cash value, however, may take years to build up into a significant amount.

Universal life and whole life are the two types of permanent insurance available.

  • Universal life insurance will be less expensive, but the death benefit, premiums, and cash value growth rate can vary, making the policy more complicated.
  • Whole life insurance is much easier. The premium is the same for life, the death benefit is guaranteed, and the cash value accumulates at a guaranteed rate.

Life insurance is a powerful tool for protecting the financial future of the people who rely on you. It is something most adults should consider.

Typically, the longer you wait to purchase life insurance, the most expensive it becomes.

Give Us A Call

Don’t leave your beneficiaries without the means to live in the manner you have been able to provide for them. The Insurance Hub LLC can provide a quote or answer any questions you may have about life insurance. Contact us today. You will be glad you did.

Posted in Life InsuranceTagged The Insurance Hub LLC, Wichita KS

Is Auto Insurance Mandatory in Kansas?

Posted on January 19, 2023January 24, 2023 by admin

Yes, driving without insurance is prohibited in this state. Failing to keep auto insurance carries steep fines, increased future car insurance premiums, and potentially the possibility of jail time. Our team of insurance experts at The Insurance Hub LLC suggests that our Wichita, KS clients buy motor insurance to avoid legal trouble.

You are required by Kansas state law to maintain a minimum level of automobile insurance. It is a no-fault state. This implies that regardless of who caused the accident, your insurance will cover your injury claims up to a maximum. In a no-fault system, you give up some of your legal options to sue for compensation. This is why Personal Injury Protection (PIP) coverage, which pays for your injury-related costs and medical bills after a car accident, is required for all drivers in Kansas to have at least a minimum level of coverage.

Minimum Auto Insurance Requirements

  • Liability insurance for bodily harm per person: $25,000
  • $50,000 in bodily harm liability protection for each accident
  • Liability insurance for property damage: $25,000
  • $4,500 per accident for personal injury protection (PIP).
  • The coverage for underinsured and uninsured drivers is $50,000 per accident and $25,000 per person.

Failure to Maintain Kansas Auto Insurance: Penalties

If a law enforcement officer requests to see your evidence of Kansas auto insurance, you are obligated by law to produce it. It is a Class B misdemeanor to do otherwise. First-time violators risk a 6-month maximum jail term or a $1,000 maximum fine. If a second ticket is issued within three years following a first conviction, the penalty rises to $2,500. Additionally, you risk losing your registration and having your driver’s license suspended. Additionally, there are costs associated with restoring your registration and license.

Give Us A Call Today

Everyone needs auto insurance, and getting a free estimate is the easiest way to start. The Insurance Hub LLC, serving the greater Wichita, KS community, can provide excellent service, customized vehicle coverage, and affordable car insurance prices.

Posted in Auto InsuranceTagged The Insurance Hub LLC, Wichita KS

Tips for getting your Kansas home ready for winter

Posted on December 21, 2022December 24, 2022 by admin

While winters are not brutal in Kansas, the weather can get quite cold, especially in January and Kansas does get snow. When the leaves have finished falling and the days start to get short, it is time to prepare your home for the winter months to come. At The Insurance Hub LLC in Wichita, KS, we are independent insurance agents who can offer our customers more choices and the best rates. 

Tips for getting your Kansas home ready for winter:

Stay warm

When the temperature drops and some snow may fall, you want to make sure that your furnace is in tip-top shape. Getting a yearly clearing is a good policy. If you use your fireplace, a yearly chimney cleaning is also in order. You don’t want to risk a chimney fire. 

Be prepared for snow

Before the first snow, it is a good idea to make sure you have a snow shovel, your snow blower has been tuned up, and you have a stock of sand and salt to keep your walkways from turning into a skating rink. 

Check for leaks

Making sure that your doors and windows are tight-fitting and do not allow for a lot of heat loss. If you noticed last year that your roof had no snow on it, you might want to check the amount of insulation in your attic. All it takes is a little caulk and weather stripping to make your home nice and tight. 

Check the detectors

With more time spent indoors during the colder months, it is important to make sure that you are safe there. Smoke detectors and carbon monoxide detectors can save your life. In the event of a fire or a defective furnace, you and your family need to be safe. Check the batteries and make sure the detectors are working. 

Give Us A Call

Contact The Insurance Hub LLC in Wichita, KS for all your home insurance needs. 

 

Posted in Home InsuranceTagged The Insurance Hub LLC, Wichita KS

Should I choose whole or term life insurance?

Posted on November 23, 2022November 23, 2022 by admin

When it comes to choosing life insurance, there are two basic types: whole life and term life. But which one is right for you? The Insurance Hub LLC can help Wichita, KS residents understand how each type of policy works, when to buy them, and what factors to consider when making your decision.

Life Insurance Basics: What You Need To Know

Whole life insurance, also known as permanent life insurance, is a type of policy that provides coverage for your entire lifetime. This means that you are guaranteed a payout regardless of how long you live, as long as the premiums are paid on time.

Term life insurance, on the other hand, is a temporary policy that provides coverage for a specific amount of time – typically 10 to 30 years. Unlike whole life insurance, term policies do not have any cash value and only pay out to your beneficiaries if you pass away during the specified period.

So which type of policy is better? Ultimately, the answer depends on your individual needs and circumstances. Factors to consider when choosing between whole and term life include how much coverage you need, the cost of premiums, and whether you are likely to outlive your policy.

Contact Us Today

If you are still unsure about which type of policy is best for you, it may be helpful to consult with an experienced financial advisor or insurance broker who can offer advice based on your unique situation. With careful planning and research, you can find the right type of life insurance to suit your needs and give you peace of mind.

If you have any additional questions about your life insurance options, give The Insurance Hub LLC a call today. We proudly serve the Wichita, KS area. 

Posted in Life InsuranceTagged The Insurance Hub LLC, Wichita KS

Does flood insurance cover a busted water pipe?

Posted on October 26, 2022October 26, 2022 by admin

It depends on the cause of the flood. For flood insurance to kick in, the pipe damage would have to be a direct result of a flood in Wichita, KS. But you may still be covered under your home insurance policy from The Insurance Hub LLC. If the busted water pipe floods your basement, then you will need to file a claim with your homeowners’ insurance.

How does insurance define a flood?

Flood insurance protects you from damage caused by flooding. Insurance companies require a flood to meet the definition of the National Flood Insurance Program (NFIP). A flood is caused by an overflow from a lake or river.

What is Flood Insurance?

Flood insurance is a type of property insurance that covers losses and damage caused by flooding. Standard homeowners insurance policies do not cover flooding.

What Does Flood Insurance Cover?

Flood insurance policies cover the cost of repairing or rebuilding your home if a flood damages it. This includes the cost of materials, labor, and any other necessary expenses. In some cases, flood insurance will also cover the cost of replacing personal belongings such as furniture, clothing, and appliances.

Flood insurance policies typically have two types of coverage: building property coverage and personal property coverage. Building property coverage helps pay to repair or rebuild your home, while personal property coverage helps pay to replace your damaged belongings.

Contact The Insurance Hub LLC

Wichita, KS homeowners insurance covers damage caused by fires, storms, theft, and other events outlined in your policy. Flood insurance, on the other hand, only covers damage caused by floods that meet the NFIP. If you’re confused – that’s okay. Give us a call, and we will answer all your questions.

Posted in InsuranceTagged The Insurance Hub LLC, Wichita KS

Don’t Put Your Business at Risk – Protect it with Commercial Insurance

Posted on September 19, 2022September 19, 2022 by admin

None of us knows what the future may hold. Owning a business comes with inherent risks. A client could file a lawsuit, an employee could become injured on the job, or a weather event could destroy your property. Protect yourself. Our team of expert insurance agents at The Insurance Hub LLC in Wichita, KS can answer all the questions you may have regarding commercial insurance.

Here are the top reasons why it is important to protect your business:

It is the Law

The SBA requires businesses with employees to provide certain types of insurance. Failure to do so could result in fines, either criminal or civil, penalties, exclusion from public contracts, or cease and desist orders. These could cost far more than the price of insurance coverage.

Protection From Lawsuits

Your business could fold in the event of a liability claim or lawsuit. Even if you were to win a lawsuit, your business could be destroyed due to the cost of legal fees.

Employee Protection

Your most valuable asset is your employees, and they deserve to be protected. But it also protects you from potential lawsuits if an employee suffers an injury on the job.

Promotes Credibility

Business insurance shows your potential and existing clients that you are a safe company to do business with. In the event something goes wrong, you have a way to compensate them.

Covers an Act of God

An act of God is considered an event that is not caused by humans. Floods, hurricanes, fires, etc. all qualify.

Retain Employees and Attract New Ones

After salary, potential employees are seeking benefits packages that include health, life, disability, long-term care, and others. You could lose employees to a company that provides these.

Business Contracts May Require It

When entering into a business contract, it may require that you carry commercial insurance for the protection of clients.

Get Commercial Insurance Today

Don’t allow your business to remain at risk. Commercial insurance can protect your biggest asset. The professionals at The Insurance Hub LLC of Wichita, KS can answer any questions you may have. Contact us today.

Posted in Commercial InsuranceTagged The Insurance Hub LLC, Wichita KS

Who would benefit from having a Kansas home insurance plan?

Posted on August 29, 2022September 6, 2022 by admin

In the Wichita, KS area, owning a home has consistently been considered a great housing option. If you want to own a home in this part of the state, you will need to ensure that you select the right home insurance plan as well. The average property owner here can benefit in various ways if they do obtain this helpful insurance support and coverage. 

Receive Liability Coverage

An important form of coverage that anyone will get through a home insurance plan is liability coverage. Property owners always need to be aware that there could be an accident on their property that leads to damage. If this does occur, the owner could be held liable and will have to pay to cover any associated costs. You can offset this risk by getting home insurance, which will include a liability insurance provision.

Protect Your Assets

It is also wise to get a home insurance policy so you can protect your assets. If you choose to own a home, you will be making a very large investment, and ensuring you have proper coverage and support for this is very important. If you do get a home insurance plan, it will give coverage for both your personal assets and your dwelling. 

Contact Us Today

In the Wichita, KS area, it continues to be very important for people to own a home. When you are looking to insure your property, it is wise to start your search by calling The Insurance Hub LLC. The choices that come with a home insurance plan selection can be daunting and The Insurance Hub LLC can make the process easier for you. They are able to do this by carefully reviewing your situation and offering the guidance you need to select an ideal plan. 

Posted in Home InsuranceTagged The Insurance Hub LLC, Wichita KS

Do I Need Life Insurance If I’m Single And Have No Kids?

Posted on July 29, 2022August 3, 2022 by admin

When it comes to life insurance, there are a lot of questions that people have. One of the most common is whether or not they need life insurance if they are single and have no kids. The answer to this question depends on various factors, including your age, health, and overall financial situation. The Insurance Hub LLC in Wichita, KS is here to help you navigate this important insurance coverage.

Here are some of the things you need to consider when making this decision:

Do Your Debts Have Cosigners?

If you have any debts that have cosigners, such as a mortgage or a car loan, then you’ll need life insurance to protect your cosigners from having to pay off those debts if you die. You see, when you die, some debts don’t just go away. They still need to be paid, and if you have cosigners on those debts, they’ll be responsible for paying them off.

Do You Have Any Dependents?

Dependants may not necessarily be your own children. If you have family members or close friends who rely on you financially, then you’ll need life insurance from a reliable company such as The Insurance Hub LLC in Wichita KS, to ensure they’re taken care of if you die.

Your Family Has a History of Major Health Issues

If you have a family history of major health issues, you may want to consider getting life insurance. This way, if something happens to you, your loved ones will be taken care of financially. The last thing you want is for your family to be burdened with medical bills on top of everything else.

It’ll Take Care of End-of-Life Expenses

No one likes to think about their own death, but it’s important to be prepared for it. One of the things life insurance can do is help pay for end-of-life expenses, such as funeral costs. This way, your loved ones won’t have to worry about how they’re going to come up with the money to pay for your funeral.

Give Us A Call

As you can see, there are a few different things to consider when deciding whether or not you need life insurance if you’re single and have no kids. Ultimately, the decision comes down to your personal circumstances. If you have any questions, feel free to contact The Insurance Hub LLC in Wichita, KS. We would be more than happy to help you find the life insurance policy that’s right for you.

Posted in Life InsuranceTagged The Insurance Hub LLC, Wichita KS

Do I Need To Purchase Auto Insurance If I Don’t Own A Car?

Posted on June 21, 2022June 21, 2022 by admin

If you don’t own a car, the thought of purchasing auto insurance might never have crossed your mind because you believe you don’t need it. However, the matter of non-car owners not needing car insurance is not as clear-cut as that. At The Insurance Hub LLC, we advise the residents of Wichita, KS who don’t own a car to consider purchasing car insurance under the following circumstances. 

Purchasing Auto Insurance If You Don’t Own A Car

  • You use a family member’s car regularly
  • You borrow a friend’s car frequently
  • You are the caregiver of a car owner who doesn’t drive their car very much
  • You purchased a vehicle from a private seller, and you are yet to complete payments and won’t receive the car title until you complete payments

Depending on your non-car ownership situation, here are some of the best options for getting auto insurance. 

1. Get added to the car owner’s auto insurance policy

If you live in the same home as the vehicle owner, the easiest way for you to get auto insurance is by getting added to the car owner’s auto insurance policy. If you live with the car owner might also be covered by their auto insurance policy if you drive the vehicle occasionally. 

2. Get added to the vehicle registration or title

If you have purchased a vehicle from a private seller and they are waiting for you to complete payments for you to receive the vehicle title, you can request them to add you to the vehicle registration or title. You can use addition to convince the insurer to sell you an auto insurance policy.

3. Purchase a non-owner car insurance

You can buy a non-owner auto insurance policy as secondary coverage to the vehicle owner’s policy. However, this policy doesn’t offer comprehensive or collision coverage, and you can only be eligible if you don’t drive the car frequently. 

Contact The Insurance Hub LLC for auto insurance deals in Wichita, KS. 

Posted in Auto InsuranceTagged The Insurance Hub LLC, Wichita KS

5 Mistakes Businesses Make When Buying Commercial Insurance

Posted on May 27, 2022June 2, 2022 by admin

Businesses have a lot to think about when it comes to protecting their interests. From product liability to property damage, there are a variety of risks that businesses face daily. One of the best ways to protect against these risks is with commercial insurance. However, buying commercial insurance can be a complex process, and businesses often make mistakes that cost them money. The Insurance Hub LLC in Wichita, KS offers this guide on avoiding the most common mistakes businesses make when it comes to commercial insurance. 

5 Mistakes Businesses Make When Buying Commercial Insurance

1. Not Doing Their Homework

The first mistake businesses make when buying commercial insurance is not doing their homework. There are various types of commercial insurance policies available, and it’s important to understand the coverage each one provides. Not all policies are created equal, and some may not provide the coverage you need.

2. Failing to Read the Fine Print

Insurance policies are full of jargon and legal language that can be difficult to understand. As a result, many businesses don’t bother reading the policy in its entirety and end up being surprised by what’s not covered. It’s important to take the time to read through the policy, so you know exactly what’s covered and what’s not.

3. Relying on Price Alone

Commercial insurance policies can vary widely in price, and it’s tempting to just choose the cheapest option. However, it’s important to remember that you get what you pay for. The cheapest policy may not provide the coverage you need, so be sure to consider all factors when choosing a policy.

4. Failing to Review Their Policy

Every business should review its commercial insurance policy regularly. Your business is likely to change over time, and your insurance needs may also change. Reviewing your policy ensures that you have the coverage you need and helps you avoid any gaps in coverage.

5. Omitting or Exaggerating Information

When applying for commercial insurance, it’s important to be honest and accurate with the information you provide. Omitting or exaggerating information on your application can lead to problems down the road if you need to file a claim. Your insurer may deny your claim or refuse to renew your policy if they find out you weren’t truthful in your application.

Buying commercial insurance is a complex process, but it doesn’t have to be difficult. Avoiding these common mistakes can help you ensure you have the coverage you need at a price you can afford. Need commercial insurance in Wichita, KS? The Insurance Hub LLC can help you find the right policy for your business. Call us today for a free quote.

 

Posted in Commercial InsuranceTagged The Insurance Hub LLC, Wichita KS

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