Why would someone invest in an umbrella insurance plan?

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The state of Kansas can be a great place to work and live. To ensure that you continue to feel protected when living here, having proper insurance support is quite important. When you get an umbrella plan, you can obtain additional personal liability coverage. There are a few reasons that a person in this state will want to have this additional coverage. 

They Want Protection Against Large Claims

A reason that someone would want to have an umbrella plan is so they can protect against larger claims. If you are responsible for many types of accidents, the damages will be covered by either home or auto liability plans. However, every insurance plan has a policy maximum and you may need to pay for damages if they exceed your base policy. If you get an umbrella policy, it will provide additional coverage on top of your other insurance plans. 

Protection Against Unexpected Risks

You should also get an umbrella plan as it is a great way to protect against unexpected liability risks. While auto and home plans come with liability coverage, they do not offer the same blanket protection that can come with umbrella coverage. When you have umbrella protection, you will be comforted knowing that you have this blanket coverage, which will offer peace of mind and this support. 

There are a lot of great reasons to get an umbrella insurance plan. If you are looking into new insurance coverage here, you should start your insurance search by speaking with Marla Williams Agency. There are a lot of choices to make with any insurance decision and Marla Williams Agency can help you evaluate your options. This will help you pick an umbrella plan that offers the right amount and type of additional liability support.

Benefits of whole-life policies

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If you are a Kansas resident, you can rely on the Marla Williams Agency for all of your insurance needs. Our team is here to help you protect your possessions and your life. We are here to answer all of your insurance-related questions and provide the coverage you need.

Understanding whole-life insurance policies

Life insurance is an important and effective way to protect your family, no matter what the future may hold. If you are interested in learning more about the different types of policies available, we are here to help.

With a whole-life policy, you are able to accumulate a cash value within the policy in addition to providing a death benefit to your survivors. This cash can be accessed during your lifetime and can be used for a variety of different expenses.

If you want to purchase a larger family home or have college tuition fees and expenses, the cash value of your policy will come in very handy! This money can be used to help your children while you are still alive. Imagine the joy that your family will share when you use the funds to pay for your child’s wedding. Or, you can help your child with the down payment when it is time for them to purchase their first home. These funds would also be beneficial when it comes time for you to retire.

Find out more about this policy type today!

Give us a call today!

Here at the Marla Williams Agency, our goal is to provide Kansas residents with the insurance they need. If you would like to find out more about the life insurance policy options that are available in our state, give us a call today and set up an appointment. We look forward to working with you!

What’s included in my Kansas auto insurance policy?

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Auto insurance isn’t just a good idea. It’s the law.

Like most states, Kansas has specific requirements for auto insurance. Fortunately, Marla Williams Agency are skilled at navigating these guidelines. Using this experience, their agents share four items that must be included in any auto insurance policy.

Bodily injury Liability

Kansas mandates all drivers carry liability coverage. Bodily injury liability reimburses other people’s expenses if you are determined to be at fault in an accident. For any single person involved in an accident, the requirement is $25,000. A total of $50,000 is needed for all people. Known as "25/50," this is the absolute minimum amount required.

Property damage liability

Another form of liability protection, this coverage pays for damage to someone else’s property caused by you or your family. In addition to automobile damage, it also extends to the destruction of buildings, mailboxes, and other structures. Kansas requires $25,000 for property damage.

Personal injury protection

Personal injury protection (PIP) provides payments for expenses related to injury. Unlike liability, this applies to you or your passengers, no matter who is at fault. By law, drivers must carry $4,500 per person for medical expenses, $2,000 for funeral costs, and another $4,500 for rehabilitation bills. Kansas also enforces that drivers have $900 per month for disability or loss of income. Plus, $25 a day for in-home care services.

Uninsured Motorist Protection

Unfortunately, not everyone is as diligent about maintaining adequate coverage. If you are involved in an accident with an underinsured or uninsured motorist, this coverage helps recoup some of those costs. Like bodily injury liability, the state dictates a "25/50" distribution.

Call Marla Williams Agency

Their agents understand that auto insurance is more than just a legality. It’s ensuring you, your family, and your assets are protected. Schedule an appointment today.

Required Commercial Insurance in Kansas

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If you own a business in Kansas, it’s important to know which types of commercial insurance your specific business needs. There are two types of commercial insurance that are required for many businesses in the state. There are also many other types of commercial policies that are important to have, even if they aren’t required by the state. If you need commercial insurance, come to the pros at Marla Williams Agency in Kansas. 

Workers’ Compensation Protection

Workers’ comp insurance is one of the basic types of commercial insurance that most businesses should have. If you have a business that has a payroll of $20,000 or more, you must have this type of insurance for your employees. There are certain exceptions, including some agricultural jobs. Workers’ compensation is a policy that will pay for the medical bills after an employee gets a work-related illness or becomes injured while working. This keeps your business safer from lawsuits after an accident has occurred. 

Commercial Auto Coverage

When you have a business that owns a vehicle, you must have a commercial auto policy on it. No matter what the type of vehicle, it must have this type of policy. There are three different types of coverage that businesses are required to have in their auto policy. The policy must have bodily injury liability coverage, with one amount for a single person who gets injured in an accident and another amount for all of the injured in an accident. You must also have property damage liability coverage in a specific minimum amount. You must also have uninsured motorist coverage that includes one amount of coverage for one person who is injured and a higher amount is required for everyone who is injured. 

Get Commercial Insurance

When you own a business that needs insurance, come to us. Give us a call at Marla Williams Agency in Kansas to find out more. 

Anything could happen to your Kansas home without proper home insurance

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There are far too many threats to your Kansas home to take the risk of not carrying home insurance on the property at all times. It might sound a bit alarmist to say so, but it is the reality of the world that we live in. Not only are there threats of robbery or other criminal activity occurring in your home, but you also have to contend with weather events that could damage or destroy your property as well. The state of Kansas is famous for tornados and other powerful storms, and you don’t want to get caught out without the opportunity to recoup at least some of your losses from such an event potentially occurring. 

Look to Marla Williams Agency for information on home insurance and its pricing. They have helped thousands of people before finding exactly the policy that they require to obtain the full coverage that they need to keep themselves protected even if disaster strikes in their homes. What they understand there is that people just want the peace of mind that comes with having done something to keep themselves protected. It is not easy, but the people at Marla Williams Agency can find exactly the right policy to fit virtually any situation. They know that people are counting on them, and they know that the only way to stay ahead of a potential disaster striking is to obtain the coverage necessary to recoup when it does. 

Kansas may not seem like the most risk-prone place in the world, but it does indeed have some things that people should be concerned about. You are better off preparing ahead of time for the chance that you might need the insurance and go ahead and purchase it. It is better to be safe than sorry in this scenario. 

Unique Liability Tow Truck Driving Insurance Will Cover in Kansas

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When you drive a tow truck in Kansas, you have unique liabilities that other vehicles just don’t have. By providing this critical service to Kansas residents in need, you assume responsibilities that the average business wouldn’t.

At Marla Williams Agency, we want Kansas tow truck drivers to have all the liability protection they need. Be sure that you are covered for every liability possible.

Towed Vehicles Liabilities

You will need to have towing insurance that comes with garage coverage when you offer a tow truck service. Should a vehicle of any kind become damaged while you are caring for it, you don’t want to be liable for that damage. Having a thorough tow truck driving insurance policy will help protect you against any possible problem here.

Collision Coverage

As a responsible tow truck driver, every time you tow a vehicle, you will be thinking of that liability the entire time. You will want to have collision coverage in the event that you get into an accident while you are towing someone else’s vehicle. 

General tow truck insurance along with additional collision liability coverage will help. You’ll want that coverage for your own vehicle, and for someone else’s.

Wrongful Repossession Insurance

Unfortunately, one of the jobs you have as a tow truck driver is towing repossessed vehicles. Sometimes that happens by mistake. That is called wrongful repossession.

There is insurance coverage for that. This will protect you from any legal liabilities when you tow the wrong vehicle or tow one by mistake.

Get a Quote

When you drive a tow truck in Kansas, you have unique liabilities that many other businesses don’t. At Marla Williams Agency, we want all Kansas tow truck drivers to be protected against every potential liability, of which there are many. To update your policy or get a new one, call us for a quote today.

How Auto Insurance Protects Your Family

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Did you know that your auto insurance can protect your family in many ways? It’s true! And when you call us at Marla Williams Agency, you can learn more about your Kansas auto insurance policy and the unique benefits it provides. We’ve outlined a few of the most common advantages below.

Ways Your Policy Helps Your Family 

Over the years, auto insurance has changed to become more comprehensive and practical for various situations. As a result, many owners have found that their policy is appropriate for protecting their families from many dangers. Just a few of the most common to watch for include:

  • Covers Medical Payments – If your family are passengers in your car when you crash, your policy may cover their treatment, providing that your specific policy allows for this payment. 
  • Helps With Liability Claims – Serious crashes may result in lawsuits that could financially impact you and your family. Thankfully, your insurance policy can help ensure that you are safe. 
  • Replace Damaged Vehicles – When your car gets damaged in a crash, and you need to use it to get to work or school, your insurance policy will pay for repairs to keep you on the road. 

These simple levels of protection will vary based on your policy. Some will create a comprehensive level of care, while others may be more specific. As a result, it is essential to pay attention to the different options on the market and tweak your choices to find the best option.

We Can Help You!

At Marla Williams Agency, we have years of experience providing Kansas residents with the kind of auto insurance policy that makes sense for their needs. We’ll do what we can to satisfy you and give you the type of long-term help necessary. 

Types of Commercial Insurance

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When insuring your business, there are many types of commercial insurance in the market to secure your business. From covering theft, employees, equipment, and company vehicles, each element of your business needs specific coverage. At Marla Williams Agency of Kansas, we understand businesses have different needs, so we have outlined the different types of commercial insurance.

General Liability Insurance

Most entrepreneurs that have just opened a business and are still starting to learn what risks their businesses are exposed to should consider this type of insurance. It covers many risks like bodily injury, property damage, and medical expenses. If your company is found liable for property damage or bodily injury to a third party on your premises, it can help cover the resulting damage.

Business Interruption Insurance

This type of commercial insurance covers the financial loss a business suffers when they have to shut down a business temporarily due to a disaster. For instance, a major power outbreak can impact your fridge and freezers, or a road repair can cut traffic access to your business, making it impossible for you to run the business for a few days. This insurance helps cover the lost income for the period business was interrupted.

Workers Compensation Insurance

This insurance helps protect both you and your employees in case your employee suffers a work-related injury. Workers’ compensation insurance helps cover medical expenses, including the cost of ongoing care if your employee needs it. Also, in an unfortunate event that your employee dies due to an injury related to work, this type of insurance covers the funeral expenses.

Cyber Liability

If you have a business dealing with a lot of customer data, then it is essential you protect your business and clients from data theft. If the data is breached, cyber liability offers you coverage if you are sued.

Whether you own a big or small business in Kansas, reach out to us at Marla Williams Agency. We will ensure you get an appropriate policy for your business.

What is covered by Landlord Insurance?

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Landlord’s insurance can be your best friend in need, and folks at Marla Williams Agency put together helpful policies for such times of need. When things are going well, it is easy to view the insurance payment as an expense. Still, when things go wrong, for instance, when your rental property is damaged by a tornado (common in Kansas), vandalism, or someone steals all the copper pipes from your property, the landlord’s insurance policy will help you cover the cost of rebuilding and replacing damaged items. It will also protect you against damages caused by the tenants. For instance, if the tenant starts a kitchen fire and your property is damaged, you can claim to offset the cost from your pocket.

Landlord’s insurance also carries a liability component. If a liability claim is filed against you because your tenant sustains a bodily injury or their possessions are damaged on your property, the policy will help you cover any medical bills, legal fees, as well as any judgment and settlement costs.

In the event, your property is damaged to such an extent that it becomes uninhabitable, and it will take a couple of months to repair and fix the damage, the landlord’s insurance will compensate your lost rental income. The rental reimbursement component ensures that you continue to receive the rent payment as usual.

In addition to the standard items listed above, you may need more comprehensive coverage that includes damage from natural disasters, a rent guarantee insurance, or landlord’s contents insurance that pays for your damaged personal property in a rented space. At Marla Williams Agency in Kansas, agents will professionally advise you about priority risks to include in your personalized policy to ensure that you are protected against any unforeseen loss.

How To Know Your Flood Risk Level

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Experts always say no one is really ever safe from floods, but how bad is your situation? Learning about your property’s risk level helps you prepare for flooding events while minimizing financial losses. Fortunately, there are many ways to know whether you’re in a low, moderate, or high-risk area, whether you’re in Kansas or any other part of America. Here are a few ways to find out:

Get a Flooding History Report For Your Property

If you are not the first person to live in your property, your previous owner must have a good history of the property. If you cannot reach them, your neighbor can help you crack it all up when you check their flooding history. Marla Williams Agency experts also recommend searching your property or other neighboring properties to know their risk level.

Use the FEMA Flood Map

The FEMA flood map shows overlays of unique floodplains and the risk around your property. In addition, you can sport labels such as “0.2 PCT annual Chances of flood hazard”. Check when the labels were adopted in your area. If the date is not too recent, you can head to the dynamic map to see the updated versions.

Keep Track of your Surroundings

Flood zones and floodplain designations tend to change over time due to the new constructions and topography changes. Therefore, if you are living in your home for a long time, be sure to keep track of the changes at least every five years to know whether your flood risk level is deteriorating or not.

Look Into Your and Flood Insurance

Your flood insurance can tell a lot about your property. The policy should contain all the details of the exact location and flood risk level. Remember your insurance provider will need to check the risk level to determine your premiums.

Buying flood insurance in Kansas, but not sure where to start? Marla Williams Agency can help you find a policy that matches your needs. Call us today.