Name: Rich Insurance Agency LLC
Address: 5752 N Broadway, Kansas City, MO, 64118
Telephone: 816-479-4747

Steps to Take When Filing a Property Claim

Posted on September 30, 2026September 17, 2026 by admin

Buying a home is a big investment, one that represents far more than just a place to live. Our team at Rich Insurance Agency LLC can help you find the right home insurance policy to protect that investment. If your home is near Kansas City, MO, we invite you to visit us to discuss your insurance options with a member of our team. We’ve been working with Missouri homeowners like you since 2010.

Steps to Take When Filing a Property Claim

If your home is damaged by weather or vandalism, you’ll need to file a property insurance claim. After your home is damaged, the first priority is making sure your family and pets are safe. From there, check your property for anything that could pose a danger to you or others. If temporary repairs are needed, be sure to keep all related receipts.

Document any damage with photos or videos, then contact your insurance company to begin the claims process. You’ll typically need to submit those photos along with a written list of damages. An adjuster will visit your property to assess the situation, provide a repair estimate, and coordinate payment on your claim. Once your claim is paid, you can move forward with hiring contractors to complete the necessary repairs.

Call Us Today to Make Your Appointment

You can’t predict when a disaster might damage your home, but our team at Rich Insurance Agency LLC can help you prepare for whatever the future brings. Homeowners near Kansas City, MO, have been turning to us for home insurance guidance for over 15 years. Contact us today to make your appointment.

Collision and Comprehensive Coverage – Do You Really Need Them?

Posted on August 28, 2026August 12, 2026 by admin

If you’re a Missouri driver, you’re required to carry auto insurance. Our team at Rich Insurance Agency LLC can help you find a policy that provides the coverage you need at a price you can afford. Drivers near Kansas City, MO, are invited to visit our office to talk through their auto insurance options. We’ve served clients like you since 2010.

Collision and Comprehensive Coverage: Do You Really Need Them?

Missouri’s insurance requirements mandate liability and property damage coverage, but you may also have heard about collision and comprehensive coverage and wondered whether those are necessary, too. While neither is legally required, your auto lender will likely require both if you’re financing or leasing your vehicle.

Collision insurance pays for damage to your car resulting from an accident, while comprehensive insurance covers non-collision events, such as storm damage or vandalism. Both types of coverage typically come with their own deductible, which means you could end up paying two separate deductibles if both types of damage occur at the same time. If you have questions about how this applies to your policy, any of our experienced agents would be happy to walk you through it.

Give Us a Call Today for Your Appointment

Don’t take a chance by driving without auto insurance. Our team at Rich Insurance Agency LLC can help you explore your options. Since 2010, we’ve worked hard to build a reputation for excellent customer service among clients in the Kansas City, MO, area. Call us today to schedule your appointment, so we can help you drive with confidence.

What If Your Home Insurance is Cancelled or Non-Renewed?

Posted on July 31, 2026July 15, 2026 by admin

When you buy a home, it represents your hopes and dreams. The best way to protect that investment is by purchasing home insurance. If your home is near Kansas City, MO, our team at Rich Insurance Agency LLC invites you to visit our office to discuss your insurance options. We’ve been working with Missouri homeowners like you since 2010.

What If Your Home Insurance Is Canceled or Non-Renewed?

When you buy home insurance, it’s up to you to keep your policy active. If you receive notice from your insurance company that either of these actions will occur, you must take quick action. A policy non-renewal means your policy will end at the close of the current policy term. A home insurance policy may be non-renewed for reasons such as a history of frequent claims, the condition of the property, or changes in the insurer’s underwriting guidelines.

A cancellation, on the other hand, means an immediate stop to your policy, and it can happen at any point during the policy term. Cancellations are usually the result of non-payment of premiums. If you receive notice of either action, contact your insurance company right away to see whether you can take any steps to keep your policy active. If they’re not willing to reinstate it, you’ll need to find another insurance company and secure an active policy as soon as possible.

Call Us for Your Appointment Today

Everyone is at risk of disaster, and it can damage your home. Our team at Rich Insurance Agency LLC has the expertise to help you find the right home insurance policy. Homeowners near Kansas City, MO, have discovered that we provide excellent customer service. Call us today to schedule your appointment and protect your investment.

Will My Auto Insurance Cover My Boat and Trailer After an Accident?

Posted on June 30, 2026June 10, 2026 by admin

If you are towing your boat on a trailer and are involved in a car accident, you may be surprised to learn that your auto insurance policy may not cover all damages. The team at Rich Insurance Agency LLC in Kansas City, MO recommends reviewing your coverage before your next trip to avoid unexpected costs.

What Auto Insurance Covers When Towing a Boat

Your auto insurance policy may provide liability coverage when towing a boat. This means that if you are at fault in an accident, your policy may cover damage to another person’s vehicle or injuries to them. However, your own damages are typically not covered unless you carry collision coverage.

It is important to verify whether your policy includes sufficient coverage for both your vehicle and any items you are towing, such as a boat and trailer.

Does Auto Insurance Cover Boat Damage in an Accident?

In most cases, standard auto insurance policies do not cover physical damage to a boat being towed. Boat damage is usually covered under a separate boat insurance policy.

Depending on the policy, boat insurance may provide protection while the vessel is in transit, in storage, or on the water. Reviewing your boat policy can help you understand exactly when and how coverage applies.

Is Your Trailer Covered by Auto Insurance?

Coverage for a boat trailer varies by insurance provider. Some policies may include limited coverage, while others require the trailer to be specifically listed or added as an endorsement for an additional premium.

If your trailer is not properly insured, you may be responsible for repair or replacement costs following an accident.

Why Reviewing Boat and Auto Insurance Coverage Is Essential

The last thing you want after an accident is to face unexpected out-of-pocket expenses. Regularly reviewing both your auto and boat insurance policies can help ensure you have the right protection in place before towing your boat.

The team at Rich Insurance Agency LLC in Kansas City, MO is available to help you evaluate your coverage and identify any gaps. Contact us today for a personalized insurance review so you can enjoy your time on the water with confidence.

Does Auto Insurance Cover A New Engine?

Posted on May 29, 2026May 15, 2026 by admin

Discovering metal flakes in your engine oil or hearing persistent knocking noises can be a stressful experience for any vehicle owner. These issues often indicate serious engine damage that may require a full engine replacement. Auto insurance policies in Kansas City, MO, may help cover the cost of a new engine, but only if the damage is caused by a covered event and you carry the appropriate coverage.

Why Normal Wear and Tear Is Not Covered

Auto insurance does not cover engine failure caused by normal wear and tear, lack of maintenance, or mechanical breakdown. These issues are considered part of routine vehicle ownership, similar to replacing brakes, tires, or belts. If an engine fails due to age or internal mechanical problems, insurance coverage will not apply. An agent at Rich Insurance Agency LLC can help you better understand what types of damage your auto policy does and does not cover.

When Engine Damage May Be Covered

Engine damage may be covered when it results from a qualifying covered event. For example, if your vehicle is vandalized and someone intentionally damages engine components or causes fluids to leak, comprehensive coverage may help pay for repairs or replacement. In vandalism cases, insurers typically require a police report, so it is important to report the incident as soon as the damage is discovered.

Auto insurance may also cover engine replacement if the damage is caused by other covered events, such as a fire, severe weather, or a collision. Collision coverage applies when an accident causes damage to your vehicle, while comprehensive coverage applies to non-collision events like theft, vandalism, fire, or natural disasters. Liability coverage alone does not pay for damage to your own vehicle.

Working with an experienced agent at Rich Insurance Agency LLC can help ensure you have the right combination of coverage for your situation. Our team takes the time to review your policy, explain your options, and help you protect your vehicle. Contact us today to learn more. We proudly serve drivers in Kansas City, MO.

Does home insurance apply to plumbing?

Posted on April 30, 2026April 22, 2026 by admin

Plumbing problems are a common issue for homeowners, and how you respond can make a significant difference in the outcome. Many homeowners wonder whether their home insurance policy will help cover damage caused by plumbing issues. This is a frequent question for clients working with Rich Insurance Agency LLC in Kansas City, MO.

Does Home Insurance Cover Plumbing Damage

In general, home insurance may cover damage caused by plumbing problems, but coverage depends heavily on the cause of the issue. If the plumbing problem is sudden and accidental, such as a burst pipe or a broken appliance hose, home insurance is likely to provide coverage.

Home insurance typically helps pay for resulting damage, such as water damage to walls, floors, or personal belongings. However, the cost to repair or replace the actual pipe, appliance, or plumbing system that caused the issue is often not covered.

When Plumbing Issues Are Not Covered

Plumbing problems caused by gradual wear and tear, aging pipes, or lack of maintenance are generally not covered by home insurance. Insurance policies are designed to cover unexpected events, not gradual damage.

If a plumbing issue leads to water damage and the cause is a covered peril, dwelling coverage or personal property coverage may help pay for repairs or replacements. Homeowners should review their policy carefully to understand how coverage applies.

Additional Coverage Options for Plumbing-Related Issues

Some homeowners choose to add water backup coverage to their policy. This optional coverage may help protect against damage caused by sewer or drain backups, which are typically excluded from standard policies.

In certain situations, liability coverage may also apply if a plumbing-related issue causes damage to a neighboring property.

Work With Rich Insurance Agency LLC

If you are buying a home or considering changes to your home insurance coverage, the professionals at Rich Insurance Agency LLC are here to help. We proudly serve homeowners throughout the greater Kansas City, MO area. Call 816-479-4747 today to learn more about your coverage options or request a quote.

Will Boat Insurance Provide Coverage In The Gulf Of Mexico?

Posted on March 31, 2026March 23, 2026 by admin

Cruising or fishing along the Gulf of Mexico continues to attract boaters from around the country. Many people travel from inland states, including Kansas City, MO, to enjoy the coastline. Because the Gulf is known for changing and sometimes choppy water conditions, it is important to understand how your boat insurance applies before you launch.

Navigation Limits for Boat Insurance

Many boat insurance policies include navigation limits that restrict how far a vessel can travel from the coastline. For example, a policy may cover travel only within a certain number of miles from shore. If your trip extends beyond that limit, coverage may no longer apply. An agent at Rich Insurance Agency LLC can review your policy and help you understand these rules before you leave town.

Piracy Exclusions in the Gulf of Mexico

Some boat insurance policies exclude incidents related to piracy. Although not common across the entire Gulf, piracy has been reported in certain areas, including parts of the Bay of Campeche. Planning your route carefully helps you avoid high-risk areas, and you may need a Maritime War Insurance policy if you want coverage for piracy-related losses.

Insurance Coverage in Mexican Waters

Many standard boat insurance policies do not extend coverage into Mexican waters. Mexico claims the southern portion of the Gulf of Mexico, with boundaries beginning near the state of Tabasco. Because maritime borders and enforcement can change, it is important to verify your travel route and determine whether you will enter Mexican waters.

Agents at Rich Insurance Agency LLC can help you review your policy and obtain coverage appropriate for boating in the Gulf of Mexico. Whether you plan to cruise the coastline or visit popular fishing spots, we are here to assist. We proudly serve the Kansas City, MO area. Contact us today to learn more.

What Happens if Your Car Is Totaled

Posted on February 27, 2026February 23, 2026 by admin

Having your car declared a total loss can feel overwhelming, especially when you’re already dealing with the aftermath of an accident or significant vehicle damage. Understanding how the total loss process works can help you navigate insurance settlements and make confident decisions about replacing your vehicle. The term totaled does not always mean your car is destroyed. Instead, it means the estimated repair costs exceed a certain percentage of the vehicle’s actual cash value. At Rich Insurance Agency LLC in Kansas City, MO, we help clients through total loss claims to ensure they receive fair and accurate settlements.

How Insurance Companies Determine a Total Loss

Insurance adjusters determine whether a car is a total loss by comparing the estimated repair costs to the vehicle’s actual cash value. This value is based on age, mileage, condition, and local market prices. Most states have a total loss threshold ranging from 70 to 100 percent of the vehicle’s value. If repair costs exceed this threshold, the car is declared a total loss. When this happens, the insurer pays the actual cash value of the vehicle minus your deductible, as long as you carry collision or comprehensive coverage.

Your Options After a Total Loss Declaration

When your vehicle is declared a total loss, you typically have several options. You can accept the settlement offer and allow the insurance company to take possession of the vehicle. If you believe the offer is too low, you can negotiate by providing evidence such as comparable vehicle listings, recent upgrades, or maintenance records. Another option is to retain the salvage, which lets you keep the damaged vehicle while accepting a reduced settlement.

Understanding the Settlement Process and Timeline

Most total loss settlements are completed within 10 to 30 days after the determination is made. The insurance company manages the title transfer and pays your lender if you still owe on the vehicle. If the settlement amount exceeds the remaining loan balance, you receive the difference. If the loan balance is higher than the settlement, you are responsible for the remaining amount unless you have gap coverage.

Dealing with a totaled vehicle can be stressful, but understanding your rights and options makes the process more manageable. For support with total loss claims and help finding the right auto insurance coverage, contact Rich Insurance Agency LLC in Kansas City, MO.

What Homeowners Should Know About Coverage for Built-In Cabinets and Fixtures

Posted on January 30, 2026January 14, 2026 by admin

When it comes to understanding what your homeowners insurance actually covers, built-in features often create the most confusion. Most homeowners assume everything attached to their house is automatically covered, but the reality is more complex than that simple assumption. Rich Insurance Agency LLC, serving Kansas City MO, helps homeowners understand exactly what’s covered and what might require additional protection for their built-in investments.

Understanding Standard Coverage for Built-Ins

Most homeowners insurance policies cover built-in cabinets, fixtures, and other permanently attached features as part of your dwelling coverage. This typically includes kitchen cabinets, bathroom vanities, built-in bookcases, and hardwired light fixtures. However, the coverage amount depends on your dwelling coverage limits and whether you have replacement cost or actual cash value coverage. Custom or high-end built-ins may exceed standard coverage calculations, leaving you with potential gaps.

When Standard Coverage Falls Short

Expensive custom cabinetry, designer fixtures, or specialty built-ins often cost more to replace than standard insurance calculations account for. If you’ve invested significantly in custom kitchen cabinets, built-in entertainment centers, or luxury bathroom fixtures, your standard policy might not fully cover replacement costs. Additionally, some policies have specific limits for certain types of fixtures, particularly decorative or luxury items.

Protecting Your Investment

Consider scheduling high-value built-ins separately on your policy or increasing your dwelling coverage limits if you have extensive custom work. Document everything with photos and keep receipts for major installations. This documentation becomes invaluable when filing claims.

Get Proper Protection

Don’t assume your built-ins are fully covered without reviewing your policy details. Rich Insurance Agency LLC, serving Kansas City MO, can evaluate your current coverage and recommend adjustments to properly protect your home’s built-in features.

What’s Excluded From Your Traditional Homeowners Insurance Policy?

Posted on December 31, 2025December 12, 2025 by admin

Obtaining and maintaining a homeowners insurance policy is imperative if you are a homeowner in or near Kansas City, MO. Due to potential weather and natural disaster risks, it’s also important to understand what your standard policy may not cover. At Rich Insurance Agency LLC, we’ll work with you to find home insurance solutions and add-ons that provide protection and peace of mind.

Flood Damage

One of the biggest exclusions of traditional home insurance policies includes flood damage. Flooding from rising water, storm surges, overflowing rivers, or even heavy rainfall is not covered with a standard home insurance policy. To protect your home from flooding, you’ll want to do so via a private insurer or via the NFIP, or National Flood Insurance Program, via FEMA.

Earthquakes

Both earthquakes and ground movement are not typically covered by standard policies. This includes sinkholes and in some cases, even landslides. If you believe your home is at risk, opting for earthquake insurance on top of existing homeowners insurance is highly recommended.

Wear and Tear

Neglect, aging roofs, deteriorating plumbing, and routine degradation are issues that are not covered by standard homeowners insurance. Sewer backup and sump pump overflows are also not covered unless you take out a special endorsement policy that covers your exact needs. An agency can help determine your exact needs.

Working with an agency is the best way to determine what level of protection you require for your home, especially if you live in a region that is high-risk. At Rich Insurance Agency LLC, serving Kansas City, MO, we’ll walk you through the process of finding a policy and add-ons that work for you. To learn more about your options and to compare additional policies that provide a sense of security and financial protection, contact us to schedule your consultation today.