Engagement Rings: Insurance Pros & Cons »
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
2232 Taney StKansas City, MO 64116
From Business: Enjoy valuable accommodations off Interstate 35 at the Econo Lodge Downtown North hotel in Kansas City, MO. We are four miles from the Sprint Center and minutes f…
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From Business: The pet-friendly Econo Lodge Airport is near Kansas City International Airport. Save on parking fees and room rates with our Park, Stay and Fly package. The Power…
1600 Genessee St Ste 633Kansas City, MO 64102
222 Peculiar DrBelton, MO 64012
From Business: Econo Lodge Belton – Kansas City South, a Belton, MO hotel is near Worlds of Fun and Oceans of Fun, Starlight Theatre, Overland Park Convention Center, Arabia Ste…
7508 Shawnee Mission PkwyMission, KS 66202
We stayed in a business class king bed room... cost $53.99 per night. This Econo Lodge has been recently renovated and upgraded... our room was very…
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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I'll be honest: I am both the manager here AND a resident of Devling Place, so let me give an honest review from both sides. As a resident: I live in a townhome (a middle unit) that is 3 stories with 3 bedrooms and 2 bathrooms. What I like about it is that the master bedroom is REALLY big with a great walk in closet. The dining room is separate from the living room and there's a good amount of natural light. I also love that the basement has high ceilings and is usable space instead of being scary and wasted. My favorite thing, however, is that my utilities are low. I have a family of 4 and we use all 3 levels regularly. I know for a fact that you can be conservative and save money. What I don't like about it is that the master bedroom has a shared bath. It's usually not a problem, but sometimes I'm a counter-top hog with my makeup and I don't want to have to pick it up. That's more me being lazy than anything. The other downside is that the majority of the townhomes don't have fenced yards so I have to walk my dog on a leash. Again, it's just me being lazy, but it's still a preference. I also wished that the two smaller bedrooms were just a tiny bit bigger, or at least 1 of them. These two smaller rooms are not meant for bulky furniture, so store that queen sleigh bed and just use a frame and simple headboard. As the manager: I'm blown away by how much of a community this place is. I got calls all winter long from one resident or another saying how awesome their neighbors were for scraping snow/ice off of their car. Or how they watch out for your home when you are out of town. For my resident's sake, I wish I had more amenities for them. Right now we have a new courtyard going in, but we don't have a fitness center or playground. Our community is just a little too small for those. I can also say that I'm pleased with how quiet our community stays. Our apartments don't share walls with anyone, so there's no side-to-side noise. I also like that our community has big dogs. I think they get a bad rap allot of times, and I'm pleased to be a part of a place that sees past that. Overall, I am very happy here. I, as a resident, feel safe here. As the landlord, I can't comment. I love knowing the people next to me by name and I love that I always have a good place to park. If you have more questions, call me, or better yet, TEXT ME! I run the office alone, so phone calls are sometimes hard to return if I am really busy. Thanks for stopping by :)
Jennifer Hubbs, the agent at this location is a nice person and has her office staffed with helpful and pleasant people. However, exercise extreme caution when insuring your belonings with State Farm. I made a claim for a broken windshield and State Farm refused to pay the full amount to fix/repair my vehicle corrrectly. They tried to have me fix the vehicle at an unqualified glass repair shop that was not even versed in the proper replacement procedure. I was forced to spend hours of my own time researching how to have the glass properly installed. At the end of the day, I was out of pocket my deductible (completely fine) and over $300.00 of my own money to have my vehicle repaired. I spent hours on the phone with various members of the State farm team in different parts of the country trying to get my vehicle fixed correctly. The majority with the exception of one of the reps., were rude, condescending, and arrogant. My agent told me she was powerless to assist me in getting State Farm to do the right thing and fix my vehicle. So again I was forced to pay my deductible and an addtional $300 plus dollars. In this case State Farm was "Not like a good neighbor, and was definitely not there for me". Proceed at your own risk.
Let me just say that I have lived here for two years and hated every bit of it. The old manager would lie, steal, cheat, and do nothing to fix any problems, and also let anyone move in making the complex very unsafe. I finally got fed up after 2 years of a broken down apartment and dealing with her lies and all the criminals and decided to move. Two weeks before I was going to move the owner came back and fired her and put in an amazing new manager who was very receptive and listened to all of my concerns. She gave me a great review to move into my new house, refunded all of my deposit, pet deposit, and was very understanding about me having to abruptly move out. If I hadn't already agreed to sign a new lease and if my boyfriend didn't already get a new job close to our new home I would have loved to stay. I have great faith that the new manager is going to fix things right up just as quickly as she can and weed out all the people that the last manager never should have let in. Although I have had horrible experience in the past, I would now highly recommend this apartment complex.
My apartment may be small, but I have good neighbors and only having to pay electric is really nice. Not that long after I moved in, I lost my job and was on unemployment and had trouble paying my rent on time. The office worked with me for several months making arrangements to pay late so I could get caught up. I felt really bad about my situation, but the office was as supportive and kind as they could be. Parking isn't too bad. I just go with the free parking and sometimes I have to park a couple blocks down when I get home really late, but I still usually get a spot in the lot next to my building. The elevators have been so much better since they updated them. I used to have to take the stairs frequently, but a couple years ago they redid them and it's such an improvement. I like the area, too. There's the park across the street and there are several restaurants nearby and a corner convenience mart a couple blocks down. It's pretty easy to get around. Overall, I'd say this place as been a great place to live
The management and owners of Clear View Apartments strive to provide best in class customer service and homes for our residents. Clear View is in the process of going through many visible changes with the intent of improving the community for our residents. Some projects have already begun, such as improved landscaping, concrete, and parking lot repairs. Additional future projects include energy efficient improvements and interior upgrading. Management is committed to doing whatever it takes to provide a safe community for our residents and guests and has taken steps to accomplish this including working closely with police, as well as looking into the most effective security options to deter crime from taking place within our community. Management is also working with central patrol officers to be certified as a Crime Free Multi-family Housing Community. We intend to have certification completed by the end of the summer. We take pride in our property, our services, and strive to exceed our residents’ expectations each and every day.
This has to be the best apartment complex that I've lived in. The people in our building are wonderful, and between all of us, we have a very strong sense of community. We watch out for each other, we help each other, laugh and have a good time. Miss Annie (property manager) and Miss Julie (business manager) are great people to work with, and if you speak honestly about what's going on, they're very easy to work with. The maintenance guys(Russ, Daniel & Ron) are great, they're always prompt, and do a good job, friendly and easy going. The grounds are always well kept, mowed and trimmed. The pool is always sparkling clean. Most of the residents (that I've had the pleasure meeting) are nice people, always ready with a smile and a hello. The rent on what we have is a great price. I would recommend this place to anyone. It's a good place to be, and to call home.
Although an older community, these are very nice apartments. I recently viewed them (May 2012) Their pricing is excellent and management and staff are very attentive and well informed. They have several floor plans to accommodate almost every one's needs. My visit was at a time where there was activity in the community. The manager and residents interacted very well. Everyone was very pleasant. The manager knew everyone by name and she was full of life! I would recommend this community to anyone who wants that quiet country setting, that is family oriented, is looking for their first apartment, has a small family that needs a safe environment to raise their children, or to any one that is just looking to save a few dollars. Very affordable rents, nice property, and pleasant management.
These are nice apartments. They are close to all the best parts of Kansas City. I love the contrast of the black doors and cabinets. They do not have microwaves like some of the ads say and the window unit ac is not shown in the pictures. The hardware in the bathroom is not very expensive but because this building was purchased by the current owners only a year ago and then renovated everything in the apartment is brand new. Apartments like this go for twice as much if they are in a trendy area like Westport, Downtown, Plaza, and such, but if you live here you can get a nice affordable apartment and still get to all of those places in just minutes. You can get your groceries from the 24/7 Westport Sunfresh and have lunch at near by Jericho or great beer and wurst at Haus.
Chris, cant say enough about Dustin Moomau and Kristin Schultz. When Dustin called I was reluctant at first but the more I talked to him the more I liked what he had to say. We just about went with Quicken and Loans and something told me no. I had him talk to my husband and he liked what he heard to. I would like to say I liked the idea that both Kristin and Dustin came to my home. Kristin has done a fine job. If we have any questions she is good about getting back with us. She keeps the ball rolling. She makes me feel quite comfortable and that is well appreciated. Hopefully this insurance isn't a problem. Kristin and Dustin thanks you ever so much both Roger and myself think your awesome and you delivered as you said you would.
WOW! CAPITAL WOW at that. Working with Randy Woods was just awesome. Even though we ran into a situation with our taxes he was very patient and continued to work and support us throughout. Where most agencies would have said, glad you called but call back when you get it fixed, he took the time to look at the situation, understood what happened and put a plan in place to get and keep things rolling. He has been the most professional person my wife and I have worked with. I would highly recommend him and Foundation Financial Group to anyone. He was quick to respond to any of our questions, was clear about what was needed and guided us through the entire process flawlessly. Absolutely great to work with.
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.