Unique Auto Insurance Facts That Kansas Residents May Not Be Aware Of

Based in Hutchinson, KS, DJ Kauffman Agency Inc. assists the community through helping residents find insurance policies that will work for them. We recognize that each of our clients has a unique situation. That’s why we are committed to helping our clients find the right coverage for their needs. As an independent agency, we can offer our clients multiple types of coverage.

Unique Auto Insurance Facts

There are a lot of responsibilities associated with operating a vehicle. The most important thing is traveling safely while you are on the road. Auto insurance helps ensure that you and your vehicle are protected whenever you drive. The policy ensures that you are covered if you are involved in an accident or if your vehicle is vandalized or stolen. With that being said, here are some unique auto insurance facts to consider while you are researching different policies.

You Are Not Necessarily Covered If You Use Your Vehicle For Business

If you plan to use your vehicle for business-related endeavors, research your policy carefully to see if you are covered under your policy. You may have to look into another type of coverage to receive protection while you use your vehicle for business-related endeavors.

Your Occupation Matters

While you are likely aware that factors such as the state that you reside in and your credit are analyzed while you research different policies, other variables are analyzed as well. Your occupation may also be taken into consideration while you are researching different policies.

The Color Of Your Car Is Not A Factor

Many people believe that the color of their vehicle has an impact on their policy. This is incorrect. The color of your vehicle is not a weighted factor regarding your auto insurance policy.

DJ Kauffman Agency Inc. Will Help You Find Coverage

Please contact our office today to learn more about how we assist drivers in the Hutchinson, KS community by helping them find coverage.

Three benefits you enjoy when you purchase umbrella insurance

Consumers in Hutchinson, KS can enjoy a lot of great benefits by investing in umbrella insurance. Umbrella insurance is one of the types of insurance we provide at DJ Kauffman Agency Inc.

If you invest in umbrella insurance, you can enjoy the following three benefits.

Funding for legal representation in the event of a liability lawsuit as a landlord

Landlords put themselves at risk of certain liability damages. Tenants can sue a landlord for a variety of possible reasons. Umbrella coverage will cover the costs of legal representation for a lawsuit brought on by tenants. 

Coverage for damages resulting from slander and libel accusations

Just about anyone can find themselves as the target of a lawsuit for slander and libel. It’s easy to underestimate the resulting costs of such a situation. Not only is there legal compensation, but also the cost of any possible settlement you may have to pay. 

Umbrella insurance covers all the costs if you are sued for slander or libel. 

Coverage for the costs of vehicle accident damages

You may have auto insurance, but your auto insurance policy has policy limits. Your auto insurance company won’t pay more than these limits, even if you’re involved in an accident with total costs above your policy limit.

Fortunately, the umbrella insurance coverage will provide you with the benefit of covering costs in excess of your auto insurance policy limits. This gives you peace of mind while you’re behind the wheel. 

We’re here to help you meet your umbrella insurance needs in Hutchinson, KS. Contact us with any questions you have, and we’ll be glad to help you enjoy the three great benefits mentioned above. 

How much life insurance is enough

Life insurance is not something that most people know a lot about. It is rarely discussed, and certainly, it isn’t taught in school. If you ask ten people how much life insurance is enough, you would likely get ten different answers. One thing for sure, life insurance is not one size fits all. When it comes to how much life insurance is enough, having the help of a knowledgeable insurance agent makes the process much less intimidating. For residents of Hutchinson, KS, the DJ Kauffman Agency Inc. has the answers you are looking for. As independent agents, we can offer you products from some of the top carriers in the business. 

Experts suggest that you should have between seven and ten years of income in life insurance. If you are single without dependents, this may be more than you need, and if you have five children and a spouse, this may not be enough. So, how do you decide how much life insurance is enough? Firstly, you need to ask yourself some questions. 

  • Do I have anyone who is dependant on my income? This can be a spouse, aging parents, children, or anyone else who needs you to provide for them. How long will they be dependent? Do you have young children, and do you want to provide for their college education? 
  • Do you have debt? A mortgage, car payment, credit card debt, anything that might have to be paid by your survivors? 
  • Have you taken care of your final expenses? 
  • Do you want to leave a legacy to your children or grandchildren? 

The answer to these questions will help you determine how much life insurance is enough. When you are ready to discuss your life insurance needs, the team at DJ Kauffman Agency Inc. in Hutchinson, KS will be there for you. Give us a call or stop by and let us explain the life insurance options available and give you a free quote. 

What Protection Does Boat Insurance Provide?

When you are in the Hutchinson, KS area, owning a boat can be a great option. When you have a boat, you will be able to enjoy the warm summer months to their fullest. While there are plenty of great reasons to purchase a boat, it is essential to remember that it is a valuable asset and a big responsibility. Due to this, you should get a boat insurance policy that will provide you with coverage. A boat insurance policy can protect you in several different ways. 

Covers Your Boat

One of the advantages of getting a boat insurance policy is that it will protect your boat. When you purchase a boat, you are going to be making a significant investment that you should adequately protect and cover. One of the best ways to do this is with insurance. If you have a full insurance policy, you will have the coverage you need to repair or replace your boat at all times.

Gives Liability Protection

Another advantage of this insurance is that you will get liability protection. If you are a boat owner and operator, there is always going to be a chance that you could be at fault in an accident. If this occurs, you will be responsible for all damages caused. Since this can be expensive, you will want to have boat insurance to provide the necessary liability risk protection. 

Ultimately, getting boat insurance can provide you with very valuable coverage and protection. Due to this, getting this coverage is always beneficial. When you are looking for a new boat insurance policy, you should call the team at DJ Kauffman agency Inc. The insurance professionals at DJ Kauffman Agency Inc. have helped people all over the Hutchinson, KS area choose and select boat insurance policies that provide the right liability and property insurance protections. 

Will My Commercial Insurance Protect Me if I Sell a Defective Product?

The agents of DJ Kauffman Agency Inc. can assist business owners in Hutchinson, KS if they need quality commercial insurance. Unknowingly selling a defective product can lead to financial hardship if liability issues come into play. It’s extremely important to understand how your commercial insurance works and exactly what it covers in case the unthinkable occurs. Talking to your agent about your concerns is the best way to find a positive solution.

Liability Coverage

If a defective product causes any type of injury, you may be liable for the medical expenses of the injured party. It’s an absolute necessity to carry liability insurance coverage as part of your commercial policy. This type of coverage guarantees to protect you if someone is injured while using one of your products. Liability insurance will cover the cost of their medical treatment and other expenses they may incur due to the injury.

Replacement Costs

Your commercial insurance will also cover the cost of replacing the damaged item. While you may eventually be able to recover the cost of the item from the original manufacturer, making sure that your customer is taken care of should be your top priority. Once you have taken care of their needs, you can begin working with the original manufacturer.

In Hutchinson, KS, business owners can trust DJ Kauffman Agency Inc. with all of their commercial business needs. Each agent will work diligently with their clients to ensure they have the type of policy in place that will meet their needs if a defective product is sold. When you have questions or concerns about your commercial insurance, call and speak to one of the agents today.

Tips on Purchasing Homeowner Coverage in Hutchinson, KS

Living in Kansas means you’ll experience all four seasons. However, that also means that, as a homeowner, you also have to pay attention to harsh weather changes as well. The tornadoes, the blizzards, and the hailstorms will make appearances throughout the year. What does this mean for the home insurance you need to purchase? 

At DJ Kauffman Agency Inc., we are based in Hutchison, KS, and are an independent agency. We have been serving the local community with home insurance coverage options since 2011. With a team that has a passion for making sure the clients are provided with the best insurance policy that is most beneficial for them. Now when it comes to deciding on what coverage is best for you, this can depend on which area of the state you live. 

Many people choose to live in rural areas for space, the mellow-pace environment, and the peace of the country. To live in a rural area means you are highly susceptible to weather damage and especially to your home. With your homeowner’s insurance coverage, it is vital to work with an agent that helps you find a policy that protects your family, your personal belongings, and provides as much medical assistance as possible. 

Living in the city does not mean you are immune to weather damage at all. However, there is a little difference. Due to property crime being a bit more common in this area, you also want a policy that can protect you and your family against various vandalism. Options such as security systems, cameras, etc., are all great to try and have benefits within your home insurance policy in some way as well. 

Would you like to set a consultation meeting up with one of our agents and discuss your home insurance? Contact our office in Hutchison, KS to speak with our team about your needs. We will be happy to answer your questions and get you a quote.

Is Your Car Road Trip Ready?

As winter gives way to spring, now’s a good time to plan upcoming road trips with your family. Road trips offer a fantastic opportunity to explore Kansas to the full. First, make sure you have adequate auto insurance to protect you during your travels. Updating your policy with DJ Kauffman Agency Inc. in Hutchinson, KS will give you peace of mind that you’re covered against any eventuality. Once insurance is in place, have your car thoroughly inspected to ensure it’s road-ready.

Pre-Trip Servicing

By having your mechanic thoroughly inspect your vehicle before hitting the road, you can avoid mechanical problems far from home. Make sure your mechanic checks your fluids and filters, hoses and belts, brakes, lights, and battery. Change old, worn parts, and invest in a new battery, if needed, to prevent breakdowns on the road. Make sure your headlights, brake lights, and blinkers are working properly to enhance safety on the road.

Check your tires to make sure they’re roadworthy. Replace worn tires before considering any long-distance travel. Make sure your tires are inflated to the proper pressure as under-inflated tires can cause you to waste gas.

Emergency Kit

Pack an emergency kit to prepare against unexpected breakdowns on the road. Your kit should have such essentials as first aid supplies, blankets, flares, jumper cables, flashlights, batteries, and a tool kit. You should also have extra snacks and bottled water in the car at all times in case you get stranded or have to pull over for a time due to bad weather.

Servicing your vehicle, preparing an emergency kit, and updating your auto insurance are essential measures to take for a safer, more enjoyable road trip experience. For help in obtaining the auto insurance you need, contact DJ Kauffman Agency Inc. in Hutchinson, KS.

How does umbrella insurance protect someone in Kansas?

Having proper insurance coverage is an important responsibility for anyone that is in the Hutchinson, KS area. When you are looking to improve your insurance situation, one important form of insurance to consider is umbrella insurance. When you get an umbrella insurance policy, you will get additional liability insurance that can help to protect someone in a few different ways.

Covers Other Situations

Most people are already going to have liability insurance through their auto and home or condo insurance policies. While these forms of insurance do provide some valuable coverage, they are not completely inclusive when compared to all of the risks that you take on. An umbrella insurance policy will give you additional coverage that can cover situations that would not normally be covered by your other policies.

More Liability Coverage

Another advantage of umbrella insurance is that it can provide you with more coverage than what you normally need to have. While the coverage that you have through your base insurance policies will cover most claims, there is always a risk that you will be facing a larger claim due to significant damages. If you have a full umbrella insurance policy, you will actually get additional liability coverage on top of your base insurance policies. 

There are clearly many ways that an umbrella insurance policy can protect someone in the Hutchinson, KS area. If you are interested in getting this additional liability insurance coverage, you should call DJ Kauffman agency Inc. as soon as you can. The team at DJ Kauffman Agency Inc. can help you to evaluate your personal risk profile to determine whether umbrella insurance is right for you. We can then help you find an umbrella insurance policy that gives you the coverage that you want.

The Basics of Life Insurance

Life insurance is a financial tool that can provide security for your family. Many new parents may be concerned about what will happen to their spouse and children if a parent dies. Life insurance provides that much-needed safety net. It can be used in many ways including paying off remaining debts and funeral expenses. Our team at DJ Kauffman Agency Inc. works with individuals and families throughout the Hutchinson, KS area to serve their insurance needs.

Life Insurance Options

Life insurance policies are available in two primary types: term life and whole life. Both types offer advantages in certain life situations. An important consideration is the impact of inflation and the estate taxes that will be incurred. This will affect the type and amount of coverage that you choose. Term life policies are active for a defined period of time. However, they can be renewed. While the premiums are lower than whole life insurance, the premium increases every time it is renewed. It’s important to note that term life policies do not build cash value. 

Whole life insurance policies stay active during the life of the policyholder. They do carry a higher premium but they also develop cash value. When needed, the policyholder can borrow against it.

There are many benefits to a good life insurance policy. Your children’s future education is assured. It can also be used to pay off a mortgage, as well as, final expenses. Some earmark certain funds for charitable purposes they support.

At DJ Kauffman Agency Inc. in Hutchinson, KS, our agents can talk with you about the advantages of different life insurance plans. They are ready to get you started on the path to protecting your family. Selecting a plan and policy amount requires some thought. Call us to get started today!

5 Benefits of Car Insurance in Kansas

When you think about car insurance it is usually associated with higher costs due to an accident or moving violation, but there are positives that most people never think of. When you have questions about your auto insurance or just want a new quote, contact the professional and trusted team at DJ Kauffman Agency Inc. in Hutchinson, KS. Bear in mind that not every policy will offer these benefits outlined below, but be sure to ask us if they are important:

Pet Injuries from Accidents:

Given that pets frequently ride in cars and without seat belts, they can be prone to injuries during automobile accidents. Some insurers will include coverage for your pets so be sure to ask.

Lost Wages from Inability to Work:

When an auto accident prevents you from being able to work, your car insurance may be able to recuperate some or all of the lost wages through personal injury protection. In Kansas, legislation requires coverage for lost wages with the minimum amount being 85% of your lost wages not to exceed $900 a month for a one-year period.

Floods and Earthquake Coverage:

Given that homeowners insurance does not cover damage from floods or earthquakes unless you purchase additional coverage, many people assume that auto insurance works the same way. However, flood and earthquake damage is covered minus your deductible.

Rodent Damage:

Pesky mice, squirrels and other rodents can cause serious damage to people’s vehicles, but don’t assume that any harm won’t be covered by your auto insurance. 

Riots and Protest:

For folks that live in cities where their vehicles are parked on the street there is always the risk of damage because of civil unrest due to the home team losing, a political event or any other issue that causes a large gathering. If you have comprehensive coverage, then damage from vandalism and riot based incidents are covered. 

Serving the Hutchinson, KS community, DJ Kauffman agency Inc. is your one stop shop for any auto insurance needs.