Moyer & Moyer Insurance Blog

BJ Moyer

An Intro to Business Insurance

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Starting a business is exciting!  That excitement is likely mixed with a little fear and probably some uncertainty about the future.  As a business owner, insurance is going to be a big part of that future. You want to protect your business and yourself from as much risk as possible while also protecting your property, staff, and patrons.   There are a lot of options for business insurance for a variety of different risks.  If you have a particular question, please contact us today to discuss your unique situation.  We will be covering the main insurance(s) you are going to need, in no particular order. Professional Liability Insurance:  If you are providing a professional service, you need Liability Insurance.  This is also called E&O insurance (errors & omissions). This insurance will cover your business should your service not perform, injure or damage a person(s) or property, or protection against claims of...
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BJ Moyer

Common Questions When Renting A Car

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If you travel for personal or professional reasons this summer, you will likely rent a car.  When it comes to car rental, most people often ask if they need to buy the rental car agency's insurance.If you travel for personal or professional reasons this summer, you will likely rent a car.  When it comes to car rental, most people often ask if they need to buy the rental car agency's insurance. Let's jump straight in.  Let me remind you, that while I am an insurance agent, I may or may not be your insurance agent.  Maintaining your policy in good standing and the coverage you carry will determine whether or not your claim is accepted or denied.  We are discussing hypotheticals here.  Now... Do you need to purchase additional insurance?  Most of the time, no, probably not.  Your personal auto insurance will cover you for liability and, should a get in...
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BJ Moyer

Getting Your Home From Winter to Summer

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Last week, we discussed how to get your vehicle the TLC it needs to transition out of winter weather and ready for the warm KC summer.  Not surprisingly, your home takes quite a beating as well during those cold, dreary winter months. Freezing temperatures, moisture of all kinds, wind, it can all add up to disaster if you don’t maintain when the weather improves. First, do a quick run through of your house and check for ceiling stains.  Leaks are especially common when temperatures drop. While leaks may not be visible in the middle of a room, it’s important to check closets and areas not as often visited for any semblance of a leak in your roof.  Check your roof as well. I recommend having your roof inspected to ensure there are no loosened or damaged shingles. The transition from cold to warm and cold and warm can sometimes cause cracks...
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BJ Moyer

Getting Your Car From Winter to Summer

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The winter is tough on a lot of us!  Harsh cold, snow, ice, it’s not a fun time to be outside.  The weather can be even more difficult on your vehicle. The salt and potholes do a lot of damage, even after the weather has passed.  Now that temperatures are warming, it’s a great time to give your car the TLC it deserves! Here are my top tips for getting your car ready for summer. First, your windshield wipers likely took a good battering getting ice and slush off of your windshield.  Cold weather will wear down wiper blades quickly, so be sure you give them a thorough check and look for frays and cracks.  If you hear squeaking or worse, the wipers don’t totally remove water in your sight line, it’s time for a replacement. The last thing you want is to be caught in a spring storm and not...
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BJ Moyer

Spring Motorcycle Tips

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We're discussing all things spring on our blog lately.  Colder weather may still be here, but it won't be for long.  Our personal lines insurance for home and auto will keep you safe any time of year, and our motorcycle policies will keep you safe through riding season.We're discussing all things spring on our blog lately.  Colder weather may still be here, but it won't be for long.  Our personal lines insurance for home and auto will keep you safe any time of year, and our motorcycle policies will keep you safe through riding season.

Did you know that motorcyclists are much more likely to be seriously injured or even killed in a crash versus people in cars?  Seems like a given, right?  Regardless of the danger, thousands of bikers will be hitting the road soon.  Motorcycle safety and the right safety equipment can go a long way to keeping you safe.

Motorcycles are awesome.  I know that.  They're fun.  They're loud.  They're fast.  They get great gas mileage.  We know there are a lot of positives.  There are a lot of risks to get those positives as well.  Motorcyclists are over 30 times more probable to die in an accident that drivers or passengers of vehicles.  Even the most experienced rider needs a refresher here and there.  

Here are some quick tips to keep you safe this season:
Stay easily visible:  It can be difficult to see a motorcyclist.  Drivers have always struggled to stay alert and smartphones and texting have made it more perilous.  One of the most important things you can do is stay out of blind spots.  Keep your lights on even during the day.  Wear bold, bright colors (I know black leather is the go-to).  Reflective materials are even better.

Safety First:  Wear a helmet.  Even if your state doesn't require it, your family and friends deserve it.  Wear a helmet.  The only thing between you and the pavement is the equipment you're wearing.  A brain injury or worse isn't worth the risk.  Stay safety minded always and keep your bike well maintained.  Don't ride in bad weather unless absolutely necessary.  Stay alert and always be defensive on the road.

There you go.  Just a few tips to get you started on an amazing and safe motorcycle season.  If you're paying too much for motorcycle insurance, or you want better service, call us for a quick quote.  You'll be glad you did.

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BJ Moyer

3 Tips to Prepare Your Home For Severe Weather


Winter is winding down and warmer weather is on the way.  As anyone who’s been through a Kansas City Spring knows, it can be a volatile time with severe weather, thunderstorms, hail, and tornadoes.  Getting yourself and your family prepared is the best way to make it through severe weather season. The best defense is a good offense, right?   Below are our top 3 tips for a Kansas City Spring! Check your outdoor equipment!  It’s a perfect time of year to have service done on your air conditioner.  That way, when things heat up, you’ll be enjoying cooler temperatures instead of sweating your way through repairs in July.  You should also run some easy maintenance on your lawn mower and power equipment like weed eaters, trimmers, or anything else that is gas powered. Be prepared.  The Boy Scouts said it best.  It’s a good idea to put together an emergency...
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BJ Moyer

Tree Trimming Talk For Spring

WELCOME SPRING
Spring is a great time to get outside, enjoy the warmer weather, spruce up your lawn and landscaping, and trim your trees.  Tree maintenance is important to keep your yard looking great, for the health of the tree, and for overall safety for yourself, your home, and your loved ones.  Are you ready to learn more? Your homeowner's policy will thank you! Appearance is pretty self-explanatory.  Trimmed, cleaned up trees look great. I’m not saying to go turn your shrub out front into a T-Rex or anything, but trimming up limbs and branches can do a lot for making your home’s exterior look much more appealing. As far as health of your trees, getting rid of dead or dying branches is good for the tree as a whole.  Oftentimes, cutting away dead or weak branches can strengthen the tree as a whole. We could do an entire blog post on tree...
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BJ Moyer

Paint Yourself Happier: The Psychology of Color

The Psychology of Color
  Do you feel like you get the winter time blues?  Do short days and a lot of time indoors make you feel kind of blah?  Seasonal affective disorder is very real. However, the psychology of color is, too!  As we ramp up for Spring and you start your Spring cleaning and outdoor projects, it may be time to update the colors in your home as well.  Updating the interior paint in your home can do a lot for its value. It can also do a lot for your mental and emotional health. When it comes to your home, think calm and inviting.  Let’s delve into the psychology of colors and where to use them in your home.  Colors and uses are: Whites:   White is associated with clean (hospitals and doctors).  /  Best rooms: Bathrooms and kitchen Blues: Blue is associated with calm and peacefulness.  /  Best rooms: Bedroom Yellows:...
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BJ Moyer

Spring Forward: Set Your Clocks and Check Those Batteries!

Spring Forward
Spring has sprung and it’s time to move our clocks forward! Daylight savings is upon us. That means the days are longer, warmer weather is coming, Royals baseball, bbq and of course, it’s time to change the batteries in your carbon monoxide and smoke detectors. This is not a light-hearted recommendation, folks. This is serious. You and your family deserve the peace of mind and the added safety that properly working carbon monoxide and smoke alarms provide. Working smoke detectors are no laughing matter and they are nothing to take lightly. This could save your life and the life of your loved ones (furry loved ones as well). When a fire starts in your home, every second counts. According to the National Fire Protection Association (NFPA), three of every five home fire deaths are a result of no or non-working smoke alarms. In homes with smoke alarms present, 46% fail to...
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BJ Moyer

Protect Your Possessions with Renter's Insurance

apartment building balconies
Many renters overlook a simple, affordable solution to a problem they may not even know they have. Without renter's insurance, no one will pay for your personal possessions destroyed or damaged by fire, water, smoke, or burglary. Too often, renters believe their landlord is responsible for repairing or replacing their personal possessions in case of disaster. However, the landlord's insurance usually only covers damage to the building. Their insurance will repair the roof and paint the walls, but it won't replace that laptop or television you lost in the deluge from a broken water pipe. Also, if you live in an apartment complex, you risk other tenants’ belongings, in case you’re at fault for damages. The good news is that renter's insurance is affordable . Unlike homeowner's insurance, it does not have to cover the surrounding land and all the risk that comes with it. These low premiums offer a lot of...
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