Insurance Explained

Plain-English answers to the questions we hear most from Kansas families, farmers, and business owners. Written by Mike.

Teen Driver Starter Pack (Kansas Families)What to do before the first drive Check tires, brakes, lights, and wipers on the car they’ll actually use. Put proof of insurance and registration in... 🌾 Why Kansas Farmers Need More Than Basic Liability InsuranceFarming in Kansas Comes with Big Risks — Your Insurance Should Match It Since 2017, Goodman Insurance Solutions has helped Kansas farmers protect what... 🏠 Why Home Insurance Rates Keep Going Up in Kansas (and What You Can Do About It)If Your Home Insurance Just Went Up — You’re Not Alone You’ve probably noticed it: your home insurance renewal came in higher than last year. Maybe... The Hidden Danger of Buying Auto Insurance OnlineYou’ve probably seen the ads: “Get auto insurance in 5 minutes for less than your morning coffee!” It sounds great—until you realize what they’re... Understanding Recoverable Depreciation on Your Hail ClaimIf you’ve filed a hail claim recently, you may have looked at your first settlement check and thought, “That’s way too low!” You’re not... Is My Detached Garage or Shed Covered Under My Kansas Home Insurance?If you’ve got a detached garage, machine shed, or garden shed in Kansas, you might be wondering if your homeowners policy covers it. Good... How Do Wind and Hail Deductibles Work in Kansas?If you own a home in Kansas, you know wind and hail aren’t “if” events — they’re “when” events. Out here, storms can chew up roofs,... Wind & Hail Deductibles on the Rise—Why Comparing Carriers MattersWhen Kansas winds roar, you shouldn’t face unexpected out‑of‑pocket costs. Across Sublette and nearby counties, many insurers adjust... Let’s talk about something that needs to be said — property insurance is not a maintenance plan.We’ve all been at that family picnic where slick Uncle Tommy brags about how he “got the insurance company to pay” for a roof that... How Your Driving (Not Your Credit) Could Start Saving You Money on InsuranceBy Mike Goodman | Goodman Insurance Solutions Let’s talk car insurance for a second, specifically how it’s changing. Traditionally, your... The Rising Cost of Insurance: Why It’s Happening and How You Can Take ControlIf you’ve noticed your insurance premiums increasing, you’re not alone. Over the past few years, insurance companies have struggled to... Navigating the Pressure to Increase Wind and Hail Deductibles: Insights from Goodman Insurance SolutionsRecently, homeowners and business owners have been facing significant pressure from insurance companies to raise their wind and hail... Unlocking Financial Resilience: The Power of Income Replacement During Economic UncertaintyIn times of economic hardship, financial planning gains heightened importance. While many acknowledge the need for life insurance, the... Homeowner’s Insurance in Kansas: What It Covers and Why It MattersIf you’re a Kansas homeowner or about to become one, you’ve probably heard of homeowner’s insurance. You know it’s meant to protect your... Off-Premise ATV Liability Coverage: The Farm Protection You Didn’t Know You NeededOn the farm, your ATV is more than just a ride—it’s a workhorse. You use it to haul supplies, check fences, attend farm auctions, and... Understanding Chemical Liability Coverage in Farm Insurance: Why Your Farm Can’t Afford to Skip ItYou work hard to grow healthy crops and protect them from pests and disease. But if chemicals spill, drift, or contaminate neighboring... Boost Your Credit Score to Lower Your Insurance RatesYou work hard for your money—so why should you pay more for insurance than you have to? At Goodman Insurance Solutions, we believe in... Why do I need a commercial auto insurance policy?If your business uses a vehicle — whether it’s hauling equipment, delivering goods, or driving to job sites — one accident could derail... Why Use an Independent Insurance Agent? (Especially in Southwest Kansas)When hail tears through your barn roof or a windstorm shreds your shingles, the last thing you want is an insurance headache. At Goodman... Why Are Replacement Costs Increasing? (And How It Impacts Your Insurance)You pay for insurance to protect what you’ve built — but lately, you may have noticed your home or farm policy premium creeping up . One... I Totaled My Car – Can I Buy It Back from the Insurance Company?You’ve just had the accident you never wanted. The insurance adjuster calls and says your car is a total loss. The repairs cost more than... How Do Insurance Companies Decide What My Car Is Worth?If your car is damaged or totaled in an accident, one of the first questions you’ll ask is: “How much will my insurance company pay me?”... Will Insurance Replace My Roof? Here’s What You Need to KnowYou’ve got a roof over your head—literally—and it’s one of the most important parts of your home. But when Kansas storms roll through,... Is My Insurance Policy Covering the Trailer I’m Pulling?Mike Goodman here — agency principal at Goodman Insurance Solutions . Today, let’s talk about trailers and how insurance applies when... Car Warranty vs. Car Insurance: What’s the Difference?Hey, Mike Goodman here — agency principal at Goodman Insurance Solutions. A question I hear all the time is: “What’s the difference... Can the insurance company cancel my policy in Kansas?Hey there — Mike Goodman here with Goodman Insurance Solutions. One of the questions I get from time to time is: “Can my insurance... Do I need an umbrella insurance policy in Kansas?Do I need an umbrella insurance policy? Samuel just bought a brand-new car. Congrats, Samuel — it’s a nice ride. But one day, Samuel runs... What is a lienholder/mortgagee in Kansas?If you’ve ever bought a home, vehicle, or other big-ticket item, you probably dealt with a lienholder or mortgagee — even if you didn’t... How do home insurance deductibles work?How Do Home Insurance Deductibles Work in Kansas? If you own a home in Kansas, your home insurance policy comes with at least one...

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