Three mistakes to avoid when purchasing boat insurance in Kansas

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It’s important to invest in a good boat insurance policy to protect yourself financially. At Dj Kauffman Agency, we sell insurance policies to boat owners in Hutchinson, KS.

If you are purchasing a boat insurance policy in Kansas, the following are three mistakes you need to avoid.

Purchasing only liability coverage

You might think that all you really need is liability coverage to protect yourself against potential lawsuits. However, you really should also get replacement coverage for your boat as well as collision coverage. This way, the value of your boat will be protected.

A boat is a valuable asset that you need to invest time and money in. As such, it’s important to protect your boat with insurance coverage. 

Being unaware of the navigational limitations of your policy

You need to understand that your boat insurance policy will probably only provide coverage within certain navigational limits. Your policy must cover the areas in which you’ll be regularly using your boat.

You need to invest in added coverage to expand navigational limits on your policy if the standard limitations mean you won’t be covered in certain locations where you’ll frequently want to use your boat. 

Not purchasing salvage and wreck removal coverage

One important type of coverage that boat owners sometimes overlook is salvage and wreck removal coverage. If your boat becomes damaged, it might become stranded in public waters. In this situation, you’ll be responsible for the costs of removing it. Salvage and wreck removal coverage on your boat insurance policy will cover these costs for you. 

You need to do your research and ask questions when you’re on the market for boat insurance in Hutchinson, KS. We can help you to find the right policy at Dj Kauffman Agency. Contact us to learn more about the insurance coverage we offer for boat owners.

5 Things to Know about Commercial Insurance

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As a business owner in Kansas, it’s important to know about the commercial insurance options you have for your business.

1. What Is Commercial Insurance?

Commercial insurance will help you cover different aspects of your business. This can include general liability, property insurance, and workers’ compensation. Different policies, such as a business owner’s policy, combine various insurance types for your needs.

2. Is Commercial Insurance Required?

In Hutchinson, KS, and other areas in the state, commercial insurance, including workers compensation insurance, is not required. Still, different types of insurance will be required depending on the type of business you run. At a minimum, you want to have general liability insurance to protect you from several different lawsuits. However, there is no one-size-fits-all approach when it comes to commercial insurance. An agent at DJ Kauffman Agency can help you decide which is the best type of insurance for your business and whether it’s required or not.

3. Is Commercial Insurance Deductible?

Commercial insurance can be deducted from business expenses if it covers your business operations or trade. However, you cannot deduct it if it covers loss of business earnings or a self-insurance reserve fund.

4. What Determines the Premiums for Commercial Insurance?

Your commercial insurance will be dependent on several factors, such as your industry, number of employees, payroll size, and claims history.

5. When Should You Review Commercial Insurance?

Commercial insurance is usually a 12-month contract, and it’s not recommended to jump from one carrier to another while you are in the middle of a term. At the end of the term, it’s always a good idea to evaluate your coverage and see if your circumstances have changed and if that would require you to update your coverage.

Contact DJ Kauffman Agency to get a quote on commercial insurance.

Variables To Consider During The Winter For Your Home Insurance Policy

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DJ Kauffman Insurance assists the Hutchinson, KS community by offering residents multiple types of insurance policies. We strive to help our clients find the right coverage for their situation. As an independent agency, we have established successful relationships with several carriers in the region. This allows us to help our clients find custom policies.

Variables To Think About During The Winter Concerning Your Home Insurance

Your home is one of your most prized possessions. That’s why it is important that you have the necessary protection to cover you in any situation. Home insurance covers your home if it is damaged or vandalized. The policy is a huge asset during Winters in Kansas, where a blizzard can cause serious damage. While you are making plans for the Winter, here are some variables to consider.

It’s important that you shovel the snow regularly around your home to prevent a potential liability situation. During the Winter, the concrete is normally slippery, which increases the likelihood that someone may slip and fall on your property. By maintaining the exterior of your home, you decrease the risk of someone getting injured.  

Winter may also cause some of your pipes to burst, which may cause serious damage to your home. To prevent the pipes from bursting, make sure that your home is well insulated. Another severe issue during Winter is the presence of strong winds. Make sure that you take anything that you have outdoors and store it somewhere safe. Secure your gutters and cut the trees around your home. Wind storms during the Winter have the potential to cause serious damage to your home. That’s why it is so important to prepare. Ice dams also have the ability to cause problems, so make sure that you monitor the amount of snow on your roof.

DJ Kauffman Insurance Will Help You Protect Your Family And Possessions

Visit our office in Hutchinson, KS or our website today to learn more information about home insurance.

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

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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

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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

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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?

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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?

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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

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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?

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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.