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Spring is a Great Time for a Home Insurance Review

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If you have a home, you know how important it is to protect your investment in it. It’s the place where your family feels safe and makes memories, and you want to take good care of it. Spring is a good time to review your home insurance policy and make sure you have all the coverage you need for your house. If you’re in the Olathe, KS area, AHI Group can review the policy you have and see what kinds of changes you might want to make.

Reviewing Your Home Insurance

In the springtime, everything feels fresh and new, and that can give you extra incentive to clean your house, donate items, and make changes. While you’re working your way through those changes, consider your home insurance policy. Does it need changes, too? If you’ve made improvements to your home, for example, or you’ve added detached structures like a shed, you may need coverage adjustments.

Working with our professional, dedicated insurance agents makes it easy and convenient for you to make any needed changes to your home insurance, so you can have more peace of mind and know that you’re protected. It’s a good idea to review your home insurance policy once a year and anytime you have a big change to your home for any reason. That way you’ll always have the level of coverage you need.

Give Us A Call

Our team at the AHI Group can help with your home insurance review if you’re in the Olathe, KS area. We know your home is very important to you, and you want to keep it safe. Insurance is one of the best ways to do that, and our agents are here and ready to help answer your home policy questions. After a thorough review from us, you’ll have the knowledge you need to make an informed decision about any coverage changes.

Kansas RV Insurance: Are You Prepared?

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Embarking on an RV adventure is an exciting way to explore the beautiful state of Kansas and beyond. However, it’s crucial to ensure you’re well-prepared for the journey by securing the right insurance coverage. Here we delve into the importance of Kansas RV insurance and spotlight the services of AHI Group in Olathe, KS to help you navigate your options and stay protected on the road.

About RV Insurance

The open road can present numerous challenges and risks, making it vital for RV owners in Kansas to have adequate insurance coverage. AHI Group, a trusted insurance agency in Olathe, KS, offers tailored policies to fit the unique needs of RV enthusiasts, ensuring that they can travel with confidence.

Kansas RV insurance typically encompasses several components, including liability coverage, collision coverage, comprehensive coverage, and additional optional coverages. Liability coverage protects you in case you’re at fault in an accident, while collision and comprehensive coverages safeguard your RV against damage from accidents, theft, and other perils. It’s essential to work with an experienced insurance agency like ours to determine the appropriate levels of coverage for your specific RV and travel plans.

We can provide you with customized RV insurance solutions. Our  team of professionals is dedicated to helping you understand your options and crafting a policy that addresses your unique needs and concerns.

Give Us A Call

Securing the right Kansas RV insurance is an essential aspect of preparing for your adventures on the open road. By partnering with a dependable agency like AHI Group serving the greater Olathe, KS community, you can ensure that your RV and its occupants are protected, giving you peace of mind to enjoy the journey ahead. Don’t let insurance concerns put the brakes on your RV escapades – contact us today for a seamless and comprehensive insurance experience.

4 Reasons Why You Need Life Insurance

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Life insurance is one of the best ways to demonstrate how deeply you care for your loved ones. A common misconception is that life insurance is only necessary for wealthy families, but that isn’t true.

Here are four reasons why you need life insurance:

1. Life Insurance Can Enable Your Child to Go to College

Did you know that a whole life insurance policy can be cashed in when your child is ready to go to college? Even better, your whole life insurance policy benefits don’t need to be claimed as income on your child’s student loan application. Talk to your life insurance rep at AHI Group serving Olathe, KS to learn how it works.

2. Life Insurance Can Give You Cash When You Need it Most

Another reason to have a whole life insurance policy is its protection against life’s financial emergencies. You can borrow against your whole life policy without cashing it in—for any reason—including times when you have an emergency and need a life raft to get through a temporary financial setback.

3. Life Insurance Helps Your Family Survive

A term life insurance policy serves as an important resource for your family after your passing. With a policy like this in place, your family, their home, school and livelihood can all be safeguarded despite losing a primary source of income for the family.

4. Life Insurance is a Safety Net

After your passing, your family needs time to grieve. They may need to take time off work as they work through their emotions. The life insurance policy you provide gives your loved ones the safety net they will need as they cope with their loss, without having to fear lost wages.

Reach Out To Us

There are several life insurance options to consider. Contact AHI Group in Olathe, KS today to learn which kind of policy is right for your needs.

Auto Insurance for Seniors in Kansas

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Older drivers are experienced drivers. They don’t take senseless risks. They know how to drive defensively, and they tend to be courteous on the road. But while rates go down for mature drivers in their 50 and 60s, they start creeping up again in their 70s and 90s. AHI Group in Olathe, KS has some suggestions for making it easier to find the coverage you need at the price you can afford.

Tips For Senior Drivers

Keep Up That Great Driving Record

Stay accident-free. Avoid moving violations. That means, taking stop signs and stoplights seriously, and staying within posted speed ;iomits. If you  do find yourself in traffic court, make sure you take advantage of any driver education programs that can remove a ticket from your record.

Ask Us About Usage-Based Auto Insurance

One of the liberating things about retirement is not having to drive to work every morning and commute back home every night. You don’t spend as many hours behind the wheel. Your agent at AHI Group can help you find a policy that takes mileage into account for rating your policy.

Don’t Drive as Much

Consolidate your daily trips. Take an Uber or Lyft when the weather is bad. Get in the habit of letting someone you trust to take care of driving for you in their car.

Drive the Newest Car You Can Afford

Most of us get attached to our cars. We have memories of good times and bad that we associate without cars. But consider getting the car of your dreams now so you won’t spend so much time and money on repairs later. Your insurance premiums may be lower with a new car too.

Reach Out To Us

At AHI Group in Olathe, KS we offer convenient online appointments. You can also call us  to discuss your insurance needs in person.

Top Types of Commercial Insurance That Your Business Needs

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Small businesses play an important role in the economy of Kansas. There are over 258,000 different small businesses in the Sunflower state covering a vast spectrum of firms and companies. If you are a business owner of one of them, you probably understand that to protect your business, yourself, and your employees, you should carry commercial insurance.

Here are the main four types of commercial insurance that any small business needs and why. 

The Types of Commercial Insurance That Your Business Needs

If you own a business and you want to protect it properly, consider having these types of commercial insurance:

  • Commercial general liability insurance. This insurance type provides coverage for general business risks. It covers such common risks as bodily injury, property damage, medical payments, and more. Therefore, it is one of the first types of business insurance that you should consider getting. 
  • Business interruption insurance. This type of commercial insurance covers various incidents that disrupt the earning ability of your company. Any business needs this coverage because it puts a business in the financial position that the business was in before the loss. 
  • Property insurance. The purpose of this insurance is to cover property damage, inventory, and other important assets. It covers a commercial building and its contents, which is perfect for small businesses.
  • Cyber insurance. This type of commercial insurance will cover damage if your business is hurt by any online activity. 

AHI Group – Your Reliable and Trustworthy Insurance Company in Olathe, KS

Are you a business owner operating your business in Olathe, KS and surrounding areas? Are you shopping for any type of commercial insurance? Do not look any further – AHI Group is here for you. Our insurance company will help you find the right policy based on your preferences, budget limits, and insurance needs. Visit us today or give us a call for more information. 

Things home insurance won’t cover

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Home insurance provides a safety net that homeowners count on to get them through good times and bad. Home insurance does offer a lot of protection, but there are some things that it just won’t cover. At AHI Group in Olathe, KS, our team knows home insurance, and we provide our customers with the information that they need to protect themselves as completely as possible. 

Things home insurance won’t cover

Expensive jewelry

One thing you need to do is to read your home policy to find out how much jewelry coverage you have. In most cases, it will be a shock to find that you have very little. You can add a rider to your policy to give you the coverage you require to make sure your jewelry is covered. 

Electronics

Another thing you need to check is your electronics coverage. If you are like most people, you have quite a few electronics and basic home insurance coverage is low. You can also add a rider to give you this coverage. 

Floods

Flooding causes a lot of damage, and if your home gets flooded, your home insurance won’t cover the damage. Luckily, if you are at risk, you can get flood insurance through the NFIP. 

Earth movement

Earthquakes, sinkholes, land, and mudslides are all excluded from your home insurance coverage. Again, if you feel you are at risk, you can buy an additional policy to cover this. 

Owner neglect

As a homeowner, you are responsible for maintaining your home. Home insurance won’t pay for things that just wear out or for a roof that has become leaky because it is old. Termites are not covered, you need to get termite treatment to protect yourself. 

Give Us A Call

Contact AHI Group in Olathe, KS when you need information or a home policy review. You can reach us at our office or give us a call. 

Three common misconceptions you should be aware of about RV insurance

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As the owner of a recreational vehicle, you need to find the right RV insurance option for your situation. AHI Group offers RV insurance to consumers in the greater Olathe, KS community. We can help you get the information you need to make the right decisions about RV insurance coverage.

The following are three common misconceptions you should be aware of about RV insurance:

There aren’t any major differences between RV insurance and auto insurance

RV insurance policies are not the same as auto insurance policies. Although there are some similarities, RV insurance offers some helpful features like extended liability coverage and full-time coverage for those who live in their RV. 

RV insurance always includes roadside assistance

Having roadside assistance is important because roadside assistance gives you a service to rely on if your RV breaks down or becomes involved in an accident.

With roadside assistance, you can have a tow truck come out to your location and bring your vehicle to a mechanic shop if you are involved in an accident. This way, you will not be left stranded. Roadside assistance can be a real lifesaver when you’re dealing with an RV accident or breakdown. 

Premiums are more expensive for RV insurance

One of the most appealing details about RV insurance is that it is often less expensive than standard auto insurance. Insurance providers sometimes charge less for RV insurance since RV use tends to involve fewer risks than standard automobile usage. 

Contact Us Today

Let us come to your assistance so that you can choose an RV insurance policy in Olathe, KS. At AHI Group, we’re devoted to helping our clients to meet their insurance coverage needs and protect their financial health. 

Is a whole life policy the right option for your family?

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AHI Group is proud to serve the insurance needs of our friends and neighbors in the greater Olathe, KS area. Life insurance can provide useful protection for families to have in place. If you are wondering which type of policy is right for your situation, we are here to help. 

Are you considering a whole life policy for your family?

The main benefit of choosing a whole life policy to protect your family is the benefits that are available during your lifetime. Because this type of policy has a cash value in addition to its death benefit, it is often a top choice for families. This cash accumulation can help take care of many major life expenses for both you and your family.

If you are planning to pay for your children’s college education, or are looking for an effective way to boost your retirement savings, a whole life policy is an effective choice. Additionally, the funds associated with these types of policies can also be used for exciting purchases like a vacation home or to cover the wedding expenses for a family member.

Parents who want to protect their young families with a permanent policy can feel comfortable selecting a whole life policy. If you aren’t quite sure if this type of policy is right for your needs, it’s time to sit down with a local agent who can provide additional information. 

Call or stop by today to learn more!

If you are a resident in the greater Olathe, KS area, the team at AHI Group is here to help you with all of your insurance needs. Finding the right life insurance policy to protect your family doesn’t have to be an ordeal. Give us a call today and let us help!

What are the auto insurance requirements in Kansas?

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Like every other state, Kansas has auto insurance requirements for basic coverage. Whether this basic coverage is right for you or not is something that talking to your local independent insurance agent will help you decide. AHI Group in Olathe, KS has a team of experienced insurance agents who will put your interests first. 

What are the auto insurance requirements in Kansas?

In Kansas, the required auto coverage is 25/50/25. This is all liability coverage. $25,000 for bodily injury to one person injured in an auto accident where you have been deemed the responsible party and $50,000 if more than one person is injured. It also included $25,000 for damage to property. You need to consider if this liability coverage protects your assets or whether you need additional coverage. 

For those who have a car loan or are leasing their vehicle, basic coverage will not be acceptable. While the lender or lessor owns the vehicle, you will need to protect it with collision and comprehensive coverage. 

While you must have the required liability coverage, protecting your auto if you own the vehicle is optional. You need to ask yourself if my vehicle was damaged or totaled, would I be able to repair or replace it on my own? If your answer is no, then you need to consider adding additional coverage to protect it. Having to be without a vehicle would be a hardship for most people who count on their vehicle every day for the normal activities of daily life. 

Beyond the requirements, there are other optional coverages that can make your policy a better fit for you and your lifestyle. Full glass coverage will replace your vehicle windows without a deductible, roadside assistance will help you if your vehicle breakdown, won’t start or has a flat tire. 

Get Auto Insurance Today

Contact AHI Group in Olathe, KS to get your auto policy reviewed and to discuss the coverage that you need. 

Required Commercial Insurance in Kansas

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Owning a business in Kansas requires having certain types of commercial insurance. There are many different types of commercial insurance, and you likely need to have more types of coverage than are mandated by law in order to be well protected. If you need commercial insurance for your business, call us at AHI Group in Olathe, KS to find out more about it. 

Required Commercial Insurance

Workers’ Compensation Coverage

In Kansas, all employers are required to have workers’ compensation insurance for all of their workers with no minimum number of workers for the requirement. However, there are a few exceptions to this rule. If your business has an annual payroll that grosses less than a specific amount, you aren’t required to have this insurance. There are also exceptions for certain agricultural jobs. Otherwise, you must have this insurance in place so that your employees are protected in case they are injured on the job. This also protects your business by paying for the medical bills of injured workers so that your business won’t have to. This insurance also gives workers disability benefits if they are injured. 

Commercial Auto Coverage

Any vehicles that your Kansas business owns are required to have a commercial auto insurance policy. This insurance will cover accidents that are caused by your vehicle so that your business doesn’t have to foot the bills. There are specific required amounts in each policy for different kinds of coverage. There are two required amounts for bodily injury liability and one amount of coverage required for property damage liability. There is also a personal injury protection coverage amount required. The state also requires coverage for uninsured and underinsured motorists. 

Get Commercial Coverage

If you own a business in Kansas, make sure you have the commercial insurance that you need. Contact us at AHI Group in Olathe, KS.

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