Posted by & filed under Auto Insurance, Commercial Insurance, Cyber Liability, Homeowner’s Insurance, Life Insurance, Personal Insurance.

Every one of us has certain things that occasionally prevent us from getting a good night’s sleep.  These concerns might be a job, kids, an illness, or other problems in life.  Our goal is to make sure that protecting your family with the right insurance is one thing that does not keep you up at night.

Here is how we help you get a good night’s sleep:

  1. We never just sell you a policy.  We ask questions and educate you so that the coverage you select is the right fit for you.
  2. Insurance is a complex transaction, so we work hard to make sure you understand how insurance works before you make a decision.
  3. Our team is licensed, and we have years of experience which helps us better educate and guide you in your insurance needs.
  4. We are here to answer any questions you may have regarding your insurance decisions.

According to an Insurance Journal article, here are the top issues that keep people up at night:

  • Floods and other natural disasters
  • Identity theft
  • End of life issues
  • Eldercare

We can provide valuable information regarding each of these concerns so that you can make the right decision for you and your family.  Our team will never push you into a hasty decision.  That is because we will only offer you an insurance solution after we fully understand your needs.

Connect with us and let us show you how we do it—and help you get a good night’s sleep. We are always searching for ways to help our clients save money on their auto insurance. Saving money on auto insurance is a relatively quick way to lower the cost of operating your car, and can be accomplished with a quick phone call to PlatinumOne Insurance. There are many ways to lower your insurance costs without eliminating needed coverage. Here are a few ideas to consider:

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Posted by & filed under Homeowner’s Insurance, Personal Insurance, Safety.

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Can you believe all the new innovations that are available for your home? Many new technologies can help you in the kitchen, help keep your home cooler in summer, and some even reduce your homeowner’s insurance premiums. Here is a recent quote from an insurance company, “If somebody has some sort of temperature-monitoring system in their house, we give them a discount for that.”

Here are a few technologies that will help keep your home safe, and will also lower home insurance costs.

  • Security systems — It seems like everywhere you go, there’s a camera capturing images. If you own a smartphone or tablet, you probably have a camera that’s built into the device. You can not only secure your home, but actually see what is going on through videos.
  • Electronic locks — Nowadays you don’t even need a key to get into your home! These electronic locks can add additional security to your home.
  • Connected appliances — Appliances that you can turn off and on from your smart phone not only help with your lifestyle, but also keep your home safe.
  • Leak detection systems — Smart homes can be controlled from your phone, and when connected to your home’s water and electrical system, can provide you with real-time updates on how these systems are performing. If you are using more water than normal, you will be notified that there is likely a leak present.
  • Timed lighting — Having outside and inside lights come on during the evening while you are away deters burglars.
  • Smoke and fire detectors — Having good detection systems keeps your family safe and insurers provide discounts for these.
  • Home weather warning systems — There are weather warning programs that can detect high winds and identify severe weather earlier than ever before.

With over 30 years of experience in the industry, Brad Runnebaum and Jeff Hartman established PlatinumOne Insurance Agency in 2008. We are a full service insurance agency representing individuals, families and businesses in the Kansas City area. We are licensed professionals who are not limited to placing your insurance with just one carrier. We have the flexibility to choose the insurance company that best serves your individual needs. Having choices is our advantage and it benefits our customers.

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Posted by & filed under Auto Insurance, Homeowner’s Insurance, Life Insurance, Personal Insurance, Safety.

boat

We are living in a new world, and it requires a new way of thinking about summer activities.  Many large events have been cancelled, and vacation plans have changed, but you can still have a great time with your family and friends this summer.

Social Distancing Fun:

  • Camp in your own back yard
  • Travel to the beach if it is open
  • Take a hike
  • Take a picnic to a lake
  • Enjoy an outside movie night
  • Host a virtual game night
  • Go fishing
  • Update your backyard
  • Complete home improvement projects

Remember To:

  • Wear a mask if it required
  • Wash your hands
  • Maintain social distance.  As you go about your life and errands, do your best to keep a distance of 6 feet

Who knows how long we will have to practice social distancing during the pandemic, but at least with these suggestions, you can still have fun while maintaining your six-foot bubble.

We are always searching for ways to help our clients save money on their auto insurance. Saving money on auto insurance is a relatively quick way to lower the cost of operating your car, and can be accomplished with a quick phone call to PlatinumOne Insurance. There are many ways to lower your insurance costs without eliminating needed coverage. Here are a few ideas to consider:

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Posted by & filed under Commercial Insurance, Homeowner’s Insurance, Personal Insurance, Safety.

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Many companies are now allowing employees to work from home, and experts say it will most likely continue through 2020 and beyond.  Employers are seeing that they can reduce operating costs by having all or some of their employees work from home.  Whether you own a home business, work from home full time, or occasionally work at home, you can benefit from optimizing your workspace for increased productivity using these tips.

  1. Select a Dedicated Area.  Your office should be in a quiet area that allows you some privacy.  This is especially important if you share the house with a spouse, children, or roommates.
  2. Less May Be More.  Minimalism is hugely popular in home office setups.  Eliminate desk clutter and use a neutral color palette for the furniture and walls.  Keep décor simple but tasteful.
  3. Make Your Space Yours.  Create a desk and/or designated space that is much like your office at your business.  You can use plants and proper lighting to create a relaxed atmosphere.
  4. Add Privacy.  If you do not have a dedicated office room, consider adding a privacy divider to your home office setup.  You can get traditional dividers that sit on the floor.
  5. Furniture. Home office furniture should complement other rooms in your house instead of screaming “soulless cubicle.”
  6. Lighting. Natural lighting from the sun gives you energy and increases creativity. If possible, we recommend placing your desk as close as possible to natural light.  Desk lamps and stand-alone floor lamps make it easy to adjust the amount of light in specific parts of the room.
  7. Chair. Use as good, comfortable ergonomic chair.
  8. Keep Things Organized. The key to setting up a functional home office is to add plenty of storage space. Wall shelving and cabinets are a must-have for binders or books you need to keep handy.
  9. Your Kitchen Is for Eating, Not for Working!  Sitting at your kitchen counter may cause your brain to think of food more often because it is programmed to do such things when you are sitting on that bar stool.
  10. Modify as Needed.  Don’t be afraid to change things up if they are not working for you.

We are committed to providing our clients with the highest quality insurance plans available, combined with some of the lowest possible rates.  Whether you are shopping for auto insurance, home insurance, life, or business insurance, we can help you obtain the best coverage available with the lowest rate possible. 

We truly value the long term relationships with our clients, and are proud to give families, individuals, and businesses the personal attention required when it matters most.  When claims arise, we realize that it can be very stressful and we will do everything possible to assure timely and complete recovery.

We are always searching for ways to help our clients save money on their auto insurance. Saving money on auto insurance is a relatively quick way to lower the cost of operating your car, and can be accomplished with a quick phone call to PlatinumOne Insurance. There are many ways to lower your insurance costs without eliminating needed coverage. Here are a few ideas to consider:

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Posted by & filed under Homeowner’s Insurance, Personal Insurance.

Everyone here at PlatinumOne Insurance Agency endeavors to find ways to keep our clients homeowners insurance as low as possible. We understand how important having the right kind of homeowner’s insurance is.  We also understand that you want your claims covered and you want outstanding customer service. Unlike some faceless internet company, we will always work more than “7 minutes” to find you the best possible combination of price, coverage and service for your home insurance needs.  Here are a few things you can do right now to lower your homeowner’s premiums.

Ways to Lower Your Home Insurance Premiums

  • Consider increasing your deductibles.
  • Assess the value of the possessions in your home. Do you have too much coverage?
  • Pay your premiums in full.  Some carriers offer a discount for this.
  • Are you over the age of 65? There are senior discounts available.
  • Most insurers offer discounts for alarms, sprinklers and deadbolt locks.
  • Combine home and auto together. Many insurers offer discounts for consolidating policies.
  • Use an independent agent like us to shop your insurance on a regular basis. We will search the market and find the best options.
  • Many insurance companies reward homeowners with discounts ranging from long-term customer loyalty rewards to having claim-free histories with the company.
  • Upgrade basic house systems such as electrical, heating, plumbing and roofing.

We use many reputable companies including: Progressive, Allied, Travelers, the Hartford and more.

We are a full service insurance agency representing individuals, families and businesses in the Kansas City area. We are licensed professionals who are not limited to placing your insurance with just one carrier. We have the flexibility to choose the insurance company that best serves your individual needs. Having choices is our advantage and it benefits our customers.

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Posted by & filed under Benefits of Being Independent, Commercial Insurance, Cyber Liability, Homeowner’s Insurance, Life Insurance, Personal Insurance, Safety, Workers Compensation.

Risk Management and Assessment for Business Investment Concept. Modern graphic interface showing symbols of strategy in risky plan analysis to control unpredictable loss and build financial safety.

With all the changes happening in our Country now is the best time to have us complete a review of your insurance. You may be paying too much or you need other kinds of insurance.

These can impact your business insurance and personal insurance programs. The entire thing reminded us of some insurance madness. We thought we would share with you our “insurance madness final four.”

Insurance Madness Final Four

  1. Always use an independent agent. Independent agents will search the market for the best possible insurance designed for your family or business.  Independents agent do not work for an insurance company, they represent you and look out after your interests first.
  2. Never buy insurance online. When you buy insurance online you never know if you are getting the best combination of coverage, price, and service.  However, you do find out when you have an uninsured claim.
  3. Always consider deductible options.  A simple way to save money is to consider increasing your deductible on your auto insurance, home insurance, or even your business insurance.
  4. Many people don’t consider these coverage’s but they should
    1. Identity theft is the fastest growing crime in the United States.  Every homeowner should consider identity theft coverage.
    1. A personal umbrella can offer additional protection for those who own a home or have personal assets worth protecting.
    1. Your business might be at risk if you do not have cyber liability or employment practices liability.

All these coverage’s are easy to add to your business insurance program.

Do you need a homeowner’s insurance quote?  Talk to us today about keeping your home and family protected. With over 30 years of experience in the industry, Brad Runnebaum and Jeff Hartman established PlatinumOne Insurance Agency in 2008. We are a full service insurance agency representing individuals, families and businesses in the Kansas City area. We are licensed professionals who are not limited to placing your insurance with just one carrier. We have the flexibility to choose the insurance company that best serves your individual needs. Having choices is our advantage and it benefits our customers.

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Posted by & filed under Auto Insurance, News and Announcements, Personal Insurance, Safety.

Recently we have seen streets filled with vehicles damaged form rioters.  Damage can be a simple scratch, windshield damage, or even a fire.  The question is, “Are these kinds of losses covered under a standard auto policy?”

It is normal for people to be worried about their cars if they live in an area with active riots.  Insurance coverage that covers acts of vandalism is not part of the auto liability insurance.

According to the industry-backed Insurance Information Institute, this type of damage typically is covered under optional comprehensive insurance plans.  This coverage provides reimbursement for damage to the vehicle and its contents caused by fire, falling objects, vandalism or rioting.  Approximately two-thirds of policyholders have this coverage.  However, each policy is different so the actual coverage will depend on your individual auto policy terms and conditions.

A Few Things to Remember

  • If the damage is covered it will be subject to your policy deductible.
  • You should report the claim as soon as possible, especially if someone was injured.
  • Windshield or glass claims are often covered on a first-dollar basis with no deductible.  However, they can also contribute to increased rates.
  • Collision coverage may apply if the vehicle was moving during the time of the damage.

We are always searching for ways to help our clients save money on their auto insurance. Saving money on auto insurance is a relatively quick way to lower the cost of operating your car, and can be accomplished with a quick phone call to PlatinumOne Insurance. There are many ways to lower your insurance costs without eliminating needed coverage. Here are a few ideas to consider:

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Posted by & filed under Commercial Insurance, News and Announcements, Safety.

The recent riots in most major cities has prompted us to provide some much needed information regarding commercial insurance and how it interacts with riots and unrest.

Generally speaking, damage to your building and other property due to a riot is a covered peril.  This would include fire, theft, and vandalism.  If you were forced to close your business by civil authority but had no building damage, you may be able to collect for lost revenue, depending on how your policy is written.  Remember, each policy is unique, so call our office for a review.

Property damage caused by rioting, civil commotion, and vandalism are covered under most standard commercial insurance policies.

Glass is usually part of covered property and built into base coverage, as long as it is part of a building or structure (i.e., store windows and plate glass on office fronts).  However, there may be a separate glass deductible.  In some cases, you may need to have a special glass endorsement for coverage to apply.

Businesses that are forced to shut down operations or limit hours due to rioting, vandalism, or civil commotion, and have coverage for the loss of income under business income insurance (also known as business interruption) should be covered.

What If the Fire Department Refuses to Put out the Fire?

Insurance companies generally will not deny a claim because the fire department pulled back for safety reasons.  If civil authorities limit or restrict access to a burning building, your insurance will not be jeopardized.

Final Thought

Each policy is unique and all losses are subject to your actual policy terms and conditions. Give our office a call to review your coverage. We are here to help you manage your risk.

We are always searching for ways to help our clients save money on their auto insurance. Saving money on auto insurance is a relatively quick way to lower the cost of operating your car, and can be accomplished with a quick phone call to PlatinumOne Insurance. There are many ways to lower your insurance costs without eliminating needed coverage. Here are a few ideas to consider:

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Posted by & filed under Auto Insurance, Homeowner’s Insurance, Life Insurance, News and Announcements, Personal Insurance.

Home and Auto Insurance Update

Let’s face it, you buy home and auto insurance to protect you when and or if an accident happens. And when you have an accident, you want your personal insurance to respond.  If it has been a while since you updated your personal insurance coverage, you may want to call us today.

When to Call Your Agent

  • When you buy or sell a car
  • If you started a home based business
  • If you are thinking about putting in a pool
  • When you purchased any high end jewelry, guns or other items
  • If your home replacement value has gone up
  • Did you get a company car?
  • If you have remolded any part of your home
  • When you install a security system in your home
  • If you get married or divorced
  • If your commute distance has changed
  • When your children go away to college

Having the right auto coverage is not as easy as it sounds, and choosing the wrong coverages and limits could lead to financial disaster.  Our team is prepared to help you find the right combination of coverage, price and service.

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Posted by & filed under Auto Insurance, Homeowner’s Insurance.

Do you need insurance for your boat, RV, motorcycle, or ATV?

Regardless of whether you are relaxing on your boat at the lake, traveling through the Rocky Mountains, camping with friends and family, or enjoying the open road on the bike of your dreams; you need to take the proper steps to protect what you have worked so hard to enjoy.

All these activities need personal insurance to protect you against damage and other claims. Generally, we have found that we can get better coverage and pricing when we use our specialty carriers.  For example, watercraft insurance has pollution coverage for fuel spills, coverage for injured water-skiers, and on-water towing coverage that homeowner’s insurance won’t provide.

RV Insurance

RV insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV’s, and campers, while others can offer better rates for motorcycles. To properly insure your RV, you may need liability, collision, comprehensive, uninsured motorist, medical payment, and towing coverage.

Motorcycle Insurance

All motorcycles on the road are required by law to have motorcycle insurance. Motorcycle insurance protects a motorcycle and its owner in the event of a loss. You may need to consider special coverage.  Custom parts and equipment (ACPE)/Accessory coverage can be purchased for motorcycles less than 25 years old. You may spend thousands of dollars customizing your bike and that is why you need custom motorcycle insurance.

Boat/Watercraft Insurance

Your boat will need boat insurance for liability and damage to the hull and personal property. Boat insurance can include physical damage coverage, medical payments, liability, and trailer coverage.

ATV Insurance

ATV insurance is similar to motorcycle insurance. We can combine motorcycle coverage and ATV insurance into one policy for multi-vehicle discounts. We offer additional ATV coverage for damage to custom equipment that you’ve added to your ATV.

Why Work With Our Insurance Agency?

  • We know and understand your risks
  • We are a full service independent insurance agency
  • Our goal is to provide the best possible combination, of coverage, price and service
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