Town and Country Heating and Cooling - Kansas & Missouri

At The Wertzberger Agency we want to surround ourselves with other great professionals in the area. We want to make sure that we are armed with someone to refer to our clients in the event that there is a need.

A great local vender that has proved themselves to be dependable and well priced is Town and Country Heating and Cooling at 913-649-8696 or www.townandcountrypros.com


There are many reasons why we chose to refer Town and Country as well as do business with them personally including;

• They are easy to do business with, and they have your best interests in mind. That means they work within your budget, communicate transparently, and don’t try to upsell you on things you don’t need. As a bonus, they are a fun group of people you’ll enjoy getting to know!
• Their technicians arrive on time and are quick to restore your comfort. When your HVAC system is malfunctioning, time is of the essence. They know you’re busy, so they arrive promptly and get the job done fast. If for some reason they are delayed, they contact you immediately with an updated schedule.
• Their technicians are uniformed, and their vehicles are meticulously maintained. No sloppy contractors hanging around your property, and no eyesores sitting in your driveway.
• They care about the environment. Choosing energy-efficient products and going paperless whenever possible, they work diligently to reduce their eco-impact.
• They are true professionals. Treating your home or business as if it was their own, they perform all repairs, installation and service with respect to your property and family. And, they always clean up after ourselves.
• They install high-quality equipment from HVAC industry leaders. Recommended brands deliver energy efficient performance and come with comprehensive warranties—so you’ll enjoy years of worry-free comfort.
• They guarantee your satisfaction. If you are unhappy with any of their products or services, they will make it right. That’s a promise, and it’s the reason so many of their first-time customers become repeat customers.

The Wertzberger Agency and Pie Five Pizza Join Forces!

The Wertzberger Agency and Pie Five Pizza Co. have joined forces in an effort to welcome new residents to the Overland Park, KS and surrounding areas!

Currently, The Wertzberger Agency has been authorized to send a coupon for a FREE PIE from Pie Five simply by reviewing an option for your new Renters Insurance or Home Insurance that all new residents need!

We love insurance, but we know that everyone doesn't live and breath it as much as us...but who doesn't love PIZZA?!

At Pie Five, they create custom, personal pizzas with quality ingredients in only five minutes (Pie Five, get it?). Tell them your favorite crust, sauce, and toppings, and they'll create and bake it in under five minutes for one price. Crazy, right? All you have to do is enjoy it.

For your FREE pizza and proposal for renters insurance or home insurance, call The Wertzberger Agency at 913-383-3276

Renters Insurance - Overland Park, KS - Personal Property Coverage

Renters Insurance is commonly referred to as a "contents policy". Although renters insurance provides other types of coverage within the policy (ie; personal liability, loss of use, guest medical), one of the main aspects is coverage for the policy holder's contents in the event of a fire, theft, or other type of covered loss.

If one were to not have renters insurance and there would be an event that caused the damage or loss of one's personal property, the effects would be devastating! Renters Insurance can be THE saving grace to assist in replacing one's personal property if ever damaged, destroyed, or stolen.

If you think it can't happen to you, you're wrong.

A fire can happen in the "good" part of town just as easy as the "bad". Examples of just some local apartment fires are below. This IS meant to scare you. Renters insurance is normally around $20/month. For the peace of mind that it offers, it is well worth it!

• North Kansas City, MO - 3/23/2009 - Eight families homeless after apartment fire
• Blue Springs, MO - 7/4/2012 - Fire destroys more than 24 apartments
• Mission, KS - 3/5/2013 - 8 units destroyed after blaze
• Overland Park, KS - 11/28/2010 - Fire forces 16 units to evacuate
• Overland Park, KS - 6/10/2012 - Overland Park firefighters put out blaze at apartment complex
• Overland Park, KS - 7/1/2012 - 8 apartments destroyed in fire
• Shawnee, KS - 1/3/2011 - Shawnee apartment fire displaces 15 people
• Shawnee, KS - 2/17/2012 - 2 die in Shawnee apartment fire
• Shawnee, KS - 2/23/2012 - 3 alarm fire destroys Shawnee apartment building
• North Kansas City, MO - 8/5/2010 - Cigarette blamed for fire that damaged several apartments
• Overland Park, KS - 8/8/2011 - 2 alarm fire damages Overland Park complex
• Kansas City, MO - 9/29/2009 - Fire brakes out in apartment building
• Overland Park, KS - 11/11/2012 - Overland Park firefighters battle 2 alarm fire at apartments

To review a renters insurance option with The Wertzberger Agency, please contact us at 913-383-3276.

Real Estate Agent - Overland Park, Leawood, Lenexa, Shawnee

At The Wertzberger Agency, we want to surround ourselves with other great professionals in the area. We want to make sure that we are armed with someone to refer to our clients in the event that there is a need.

One of the needs that tends to come up with our clients is that of a Real Estate Agent. When that would occur, one of the best resources that we refer is The Tina Team with Keller Williams. Having used them personally, we can speak first hand to their expertise and their attention to service above all else.

We have referred The Tina Team numerous times over the years and they have done nothing but make us look good by making the connection between our clients and them.

You can learn more about The Tina Team here and more about their fearless leader, Tina Branine, here.

Whenever you would have a buying or selling need, we would highly recommend The Tina Team!

Cheap Home Insurance Dangers - Overland Park, KS - Medical Payments

Low cost home insurance is what we all want! Unfortunately, there is a fine line between low cost home insurance and cheap home insurance. Cheap home insurance will likely be sacrificing something of need in order to get the cost of the policy as low as possible while low cost home insurance will be proper coverage offered at a competitive rate for the value that is received by the policy holder.

One aspect of home insurance that is usually minimized in order to get the cost of a home insurance policy as low as possible is medical payments coverage. Medical payments coverage, commonly referred to as Medpay, is the section of your home insurance that will cover incidental medical bills for an injured party in the event they are hurt on your property.

Examples of when medical payments coverage can come into play would be:

• A neighbor falls on your steps or slips on snow/ice in your driveway.
• A guest at your home cuts their finger, needing stitches, at your home.
• Your dog bites a guest/neighbor.
• Someone falls and injures themselves on your trampoline.

Medical payment coverage is a very important part of home insurance for many reasons and is not one that should be minimized to try and get the price low. Primarily, because the medical payment coverage is not an expensive part of the policy and the policy holder is likely not saving very much.
Medical payment coverage is normally held at $1,000. However, it is recommended that the policy holder increase that to as high as would be available for two reasons. First, again, it's a cheap part of the policy so you may as well get as much as possible. Secondly, many insurance companies will not raise the cost of home insurance due to a claim that utilizes guest medical coverage. If ever guest medical coverage is insufficient to cover damages arising due to an injury, the policy holder's personal liability coverage would then come into play. Using the personal liability coverage does have a risk of affecting future cost of home insurance, so utilizing guest medical whenever would be possible would be preferred to personal liability coverage. Having guest medical only set at $1,000 is leaving the policy holder open for risk that it would be insufficient and they would then need their personal liability coverage AND THEIR RATES WOULD GO UP!

Contact your Agent and discuss your guest medical coverage on your policy. To review a home insurance option with The Wertzberger Agency, please contact us at 913-383-3276. 

Cheap Auto Insurance Dangers - Overland Park, KS - Bodily Injury

Low cost auto insurance is what we all want! What can get a consumer into trouble is when they go out looking for "cheap" auto insurance. You may just end up getting what you're looking for! Cheap auto insurance causes many dangers to arise. One in particular is in reference to your bodily injury coverage. 


Bodily injury coverage is defined as Third-party insurance that pays damages arising from bodily injuries caused to others by the policyholder's action(s). It typically covers the expenses such as ambulance service, doctors' fees, hospital charges, physical rehabilitation of the injured, and legal costs of the policy holder. It may also cover injured person's loss of income or earning capacity.

Basically, bodily injury liability coverage is the protection that the policy holder has to make sure the insurance company is writing the check for damages, and not the policy holder, in the event they are held liable for an auto accident.

If you were to go to a website that allowed you to "name your price", bodily injury coverage is one of the first things that may be reduced to help keep the cost of the policy down. If that were to happen, you are getting a cheap policy rather than a low cost auto insurance policy. Contact your Agent to discuss options to lower your cost of auto insurance that does not involve lowering your bodily injury protection. In fact, you may want to review increasing that!

In Kansas, the state required level of bodily injury coverage is $25,000 per person injured, not to exceed $50,000 per accident. While this may be enough coverage to pay for the injuries sustained in a minor accident, there are a vast number of things that could occur that may cause the damages to exceed $25,000. In the case of a permanent injury or a fatality, the damages could be close to $1,000,000.

When reviewing your bodily injury protection, remember that you don't have to be a millionaire to be sued like one! 

Get protection for the damages that could be caused, not what you believe you have to protect!

To review an auto insurance option with The Wertzberger Agency, please contact us at 913-383-3276.

Insurance Specialist - Overland Park, KS

Get to know the Agency staff:

Angela Lamb joined The Wertzberger Agency in March 2012. Angela's role with the Agency is as an Agency Producer. Angela handles a large load of the Agency New Business production, making sure all clients are carrying the right coverage and capitalizing on all discounts applicable. Angela specializes on home insurance, auto insurance, business insurance, and life insurance. 

Angela grew up in Pittsburg, KS, and moved to Kansas City to attend UMKC where she was active in the Alpha Phi Omega Service Fraternity. Before moving to Las Vegas for a year, Angela graduated from Massage Therapy Training Institute. Angela is currently attending Johnson County Community College where she is studying business.

 

Angela lives in Overland Park with her Chihuahua, Foxy, and enjoys playing with her dog, spending time with friends and family, and traveling. She especially enjoys entertaining in her newly renovated home. In her spare time, Angela likes to be creative, whether it is through cooking, scrapbooking, or stained glass. Angela is also a HUGE Nascar Fan!

 

The Agency is extremely lucky to have Angela as part of the team!

 

Cheap Home Insurance Dangers - Overland Park, KS - Liability Coverage

Cheap home insurance will usually come at a sacrifice of many parts of coverage that are there for the home owner's protection. It is for this reason that it is not always beneficial to purchase the cheapest possible policy. If/when a claim happens, the homeowner could be stuck paying out of pocket for something that would have normally been covered.


One aspect of coverage that is normally limited in cheap home insurance is liability coverage. Liability coverage is the homeowner's protection if/when they would be held liable for the damages to someone else physically or to the property of someone else.

A standard home insurance policy will come with $100,000 of personal liability coverage. For the vast majority of damage/injury, this would be sufficient. However, studies have shown that if a claim is filed, the likelihood of the claim being significant is high.

The liability coverage is not an aspect of home insurance that would be recommended to diminish in an effort to save $ on the policy. In fact, it is usually recommended to include the most that would be available; even adding an umbrella policy to further increase liability protection.

Contact your Agent and discuss your liability coverage on your policy. To review a home insurance option with The Wertzberger Agency, please contact us at 913-383-3276.

The Wertzberger Agency - 5 Year Anniversary!

The Wertzberger Agency is 5 years old!

As of March 5, 2014, The Wertzberger Agency has now been open for 5 years! How time flies!

We would like to take this opportunity to thank all of our wonderful friends, family, clients, and business partners for your relationships with our Agency. We literally could not have done it without you!

Thank you for your trust, thank you for your friendship, thank you for your referrals, and thank you for your business! The Agency has been blessed to have been able to enjoy 5 years of very constant growth and we look forward to doing everything we can to make sure that trend continues!

Cheap Home Insurance Dangers - Overland Park, KS - Sump Pump Failure

Cheap home insurance does come at a cost; normally sacrificing aspects of coverage in an effort to keep the premium as low as possible. Much like anything in life, you get what you pay for. One of the aspects of coverage that is often stripped is sump pump coverage. In Overland Park, KS, and the surrounding areas, all of our homes tend to have basements. While these basements are great for additional home square footage, they come with a risk.

With basements being below ground level, when it rains, water needs to be able to drain away from the house (hole in the ground) and not into it. This is where a sump pump comes in! A sump pump will assist in pushing the rain water away from the home and keep it from accumulating in the basement.

Did you know, with most home insurance policies, coverage for water/sewer back up coverage is NOT included? If you don't know to ask for it, there is a chance it would be omitted. This means, if/when your sump pump would fail and water were to back up into your basement, you could be left paying THOUSANDS out of your pocket because you wanted to save a few dollars on the insurance premiums.

Especially due to the fact that sump pumps run on electricity and would not work if/when the power were to go out during a storm (unless you have a battery backup), having this coverage added to your home insurance can allow you to sleep a little easier through the storm.

Contact your Agent and discuss if this coverage is needed and on your policy.
To review a home insurance option with The Wertzberger Agency, please contact us at 913-383-3276.

Cheap Home Insurance Dangers - Overland Park, KS - Roof Coverage

Overland Park, KS home insurance will be more expensive than home insurance in the majority of other parts of the country. The reason for this is simple; it is not a matter of if, but when, your insurance company will be paying for you to get a new roof. Many low-cost home insurance policies tend to limit the coverage on the insured's roof in an effort to keep the cost of the policy down. BE AWARE, you are getting what you pay for!

Over the past few years, hail storms have become more prevalent. Hail storms are also showing the ability to do tremendous, wide-spread, damage. It is for this reason that the roof coverage included in your home insurance is EXTREMELY important. The usual consumer is simply unaware that there are different ways to insure your roof and if you are insuring your roof in certain ways, you could be left paying the majority of the cost of a new roof when needed!

There are two ways of insuring your roof; Actual Cash Value (ACV) and Replacement Cost. In the Mid-West, due to the likelihood of this part of the policy being used, homeowners will ALWAYS want to be sure they are insuring their roof as Replacement Cost. The two types of coverage are defined below. More information on home insurance in Overland Park can also be found here.

Actual Cash Value (ACV): If/when your roof is damaged and needing replaced, the most the insurance company will pay toward the cost of replacement is up to the current value of your EXISTING roof. Due to depreciation, your current roof's value does nothing but go down over time. So, if your 10 year old + roof needs replacement, you can bet that the check the insurance company gives you won't come close to the cost of a new roof.

Replacement Cost: If/when your roof is damaged and needing replaced, the most the insurance company will pay toward the cost of replacement is up to the COST OF REPLACEMENT. The value of your existing roof doesn't play a factor toward the coverage extended. So, if your 10 year old + roof needs replacement, you can be assured that the insurance company will be paying for the full cost of replacement; subject to your deductible.

For more information on home insurance in Overland Park, KS and surrounding areas or to review options as to the cost of coverage for a specific home, please reach out to The Wertzberger Agency at 913-383-3276 or email us at pwertzberger@farmersagent.com.