What to Know About: Insurance »
In the event of a disaster that affects your home and property, what are your options?
8595 College Blvd Ste 160Overland Park, KS 66210
From Business: We know that while low rates and good terms are important, equally important is personal service. No more waiting days for a return call or email. We like to make…
Kansas City, MO 64114
Serving the Kansas City Area.
In the event of a disaster that affects your home and property, what are your options?
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
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Rick helped my family and I get the best rate for our new home! My husband and I went to 5 different companies and Rick and his team answered all of our questions and made it easy for us to understand. Thanks Rick!
I used them for about 1 year, and Cara is quite emotional. They managed my SFH's but charged too much and difficult to deal with. I will never use them again.
i lived in bridgeport apartments in kcmo for years and my girlfriend lived there longer then me. i heard of bad experiences with yarco properties but its another thing to survive them. they do not care about the residents. they are only nice when they try to get u to sign the lease and after that its a nightmare. the lease says they can have entry to your apt whenever they want during office hours which leaves your place insecure while u work. its no problem for them to have entry but they barely fill work requests and its no coincidence u get your place broke into like the person knows exactly how to get in. it takes weeks or months to get bridgeport maintenance to even come by. there is no security force like they said it is on the website when i moved in. if it was then so many ppl wouldnt say they got there place broke into. maintenance is one old lazy guy who can only do so much by himself. and one other guy who is either on his phone using google to ask how to fix stuff or he is on the walkie talkie asking for help from the old lazy guy on the easiest things. they dont want u to fix things or get others to do it but they never really fix anything and complain the whole time they are in your place about not wanting to work. they get mad about having to come back to fix things they broke or made worse trying to fix. since maintenance fixes nothing the office manager uses that as a excuse not to give u your deposit back when u want to move out. the office never gives ppl the 300.00 credit for referring ppl. they pocket this money and find every excuse not to pay it to u and yarco ignores every problem u bring to them. these ppl are slumlord hustlers and con artists and only care about money. yarco will not help u if u contact them. they will only tell u they heard nothing from the office and tell u the manager says she had no idea about whatever u complain about. the manager kathy lies to u then lies to yarco about the lies she told to u then she lies to herself about the lies she told to both sides. its just one big circle of lies and games and they do it like pros. they get away with running the property illegally the way they do by bullying ppl till u move out and they just keep doing it to new tenants. they mastered the art of manipulating the system to stay in business. they all work together like one big happy money grubbing family. they will do and say anything to get your money keep your money kick u out on the street and ruin your credit then sucker new ppl in to do the same thing to them. its not worth it to live there and watch those leeches suck u and your neighbors dry and never fix things so they can charge u for it if u want to leave. its bad business all the way around. do not report complaints to yarco bc they will do nothing but act like it is all new to them every time u tell them. report yarco and there properties to the city u live in or report them to hud if u want something done about it.
An email i sent to Yarco..Slum lords if you ask me!!!Message: I have a friend that lives at Thunderbird Apartments in Harrisonville, Mo.. Her AC has been out for weeks now.. The property manager keeps telling her that they are waiting for a call back from a contractor. She once again told her maybe next week. It is hot outside and hotter in her apartment. Before this half her living room was covered in plastic for about a month with delayed construction.. The property started replacing her patio and Pulled off her to complete another building leaving hers torn up. The PM has denied all request for timely repairs or at least a discount yet she continues to have to endure hardships.I am a building engineer in Kansas City myself. I would NEVER expect one of my residents to endure the hardships this young lady has had to. I took her a small portable AC I had at my house for her bedroom but It was old and has stopped working at this point.
the worst! everyone is rude, sarcastic, think they are above you, snippy, have their noses up in the air. they are the worst to deal with! makes you want to smack them!! trust me!! they are impossible to talk to or ask a question! they dont have your best interests in mind, i dont even know why they answer the phone, they dont want to help. they treat you like dirt if you live in one of their properties while they sit in their luxurious offices!!!!!! spoiled, brats , selfish no compassion , they are in humane, do not stay in one of their properties, you will be sick trying to deal with them because they dont want to help period!!!! also Pine lakes apartments is terrible, only looks nice on teh outside that is it!!!! problems problems problems on the inside!!!!
The worst Aprtments of little rock. So stupid people. They wont care for any thing except for money. They wont even talk to people, never lift the call. Always look for money. I lease the aprtments and came out with in a month. Horrible noises int he night around 1:00 am. You will heardly get to sleep. They will give you Plasma TV if you write good review. Management is horrible worst ...Full review of The Landings at Rock CreekI talk to the property manager she is not lifting the call and she is telling you sign the lease it is your responsibility we cannot help. Stupid people. Horrible management
Disgusted with over-priced and moldy slum properties. One property didn't have flooring in the bathroom, just a subfloor. Apparently meeting building codes isn't a top priority for Terry. Terry Flood himself harassed my fiance by text because we decided not to rent an over-priced tiny house. Extremely unprofessional!!!
Ryan has been an absolute joy to work with! Corey (his "right hand") is fabulous, as well!My realtor referred me to Ryan to help with the purchase of a FSBO. There were some complicated hoops to jump through considering a recent divorce and the property being part of a recently deceased person's estate... Ryan was always readily available - he guided me through each-and-every step of the process. The contract-to-closing time was quite short and limited... without hesitation, Ryan made it happen. Despite my abundance of ridiculous questions, he was always super fast to reply and never once made me feel anything less than his #1 client. Words cannot express how impressed I am with Ryan and Sierra Pacific Mortgage... each step of this was absolutely painless... I would go as far to say that this purchasing experience was "enjoyable", all thanks to Ryan and his team. In the future, Ryan and Corey will be my automatic "go-to" for any and all mortgage needs. Look no further... this team is the best that the mortgage world could ever offer!!!
He called me back promptly with any questions I had. I am a blind individual and he treated me with respect and didn't talk down to me. He explained things completely. A very nice man who I would recommend.Dan J
This place is the worse. Just because apartments are old don't mean they can't be nice. Nothing is updated, appliances are from the 70's and it took over 4 weeks and several phone calls to get my dishwasher replaced when they said it would be a week and repairs that are done are poorly done. Apartment was not ready, still dirty and when maintenance came to fix things, 4 out of 5 times had to call them back to do job correctly. Apartment management was no not any better. My lease was a 6 months, thank god no longer because this has been the worse place I have ever lived.
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.