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American family insurance manhattan ks

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American Family Insurance in Manhattan, KS

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American Family Insurance

• (800) 994-6308

American Family Insurance – Jon J Harper Agency, Inc

701 Fort Riley Blvd, Manhattan, KS 66502

American Family Insurance – William Stevenson Agency

836 Central Ave, Horton, KS 66439

1. American Family Insurance

1112 Laramie St Manhattan, KS 66502

2. American Family Insurance – Jim Feeney Agency, Inc.

1601 Poyntz Ave Manhattan, KS 66502

3. American Family Insurance – Tim Engle Agency, Inc.

3320 Anderson Ave Manhattan, KS 66503

This agency is so friendly and really knows what they are talking about. They truly go out of their way to help both future and current clients

4. American Family Insurance – Clay Taylor Agency

201 S Seth Child Rd Manhattan, KS 66502

5. American Family Insurance – Jon J Harper Agency, Inc

701 Fort Riley Blvd Manhattan, KS 66502

6. American Family Insurance – Jon Harper

1814 Claflin Rd Ste 220 Manhattan, KS 66502

Jon Harper is the best insurance agent that I have used. He is so good that I still use him even though I live 100 miles away from his office. He wa…

7. American Family Insurance

I’m just writing this review so I can see the other user reviews, I have not worked or dealt with American Family Insurance and I’m just trying to s…

8. American Family Insurance – Jeff Bauman Agency

236 W 8th St Junction City, KS 66441

9. American Family Insurance – John Opat Agency, Inc.

707 1/2 W 6th St Junction City, KS 66441

10. American Family Insurance – John Opat Agency, Inc

707 W 1st St Junction City, KS 66441

11. American Family Insurance – Janet Figge Agency

114 S 6th St Saint Marys, KS 66536

12. American Family Insurance – Dorothy Goodman Agency

Serving the Manhattan Area

13. American Family Insurance – William Stevenson Agency

Serving the Manhattan Area

14. American Family Ins-Jeff R Woody

1300 Northwest Ave Junction City, KS 66441

15. LongHorn Steakhouse

505 Tuttle Creek Blvd Manhattan, KS 66502

JUST CELEBRATED 50 YRS. OF MARRIAGE AT LONGHORN, IN MANHATTAN. HAD PORTER HOUSE FOR TWO. PERFECT MEAL, GREAT SERVICE, NOT TO NOISEY. WE’LL GO BACK

16. Chili’s Grill & Bar

213 Fort Riley Blvd Manhattan, KS 66502

While I’m not a fan of the sports vibe they have really good food and the customer service is just the right level of friendliness

17. Olive Garden Italian Restaurant

715 Tuttle Creek Blvd Manhattan, KS 66502

From Business: Since its founding in Orlando in 1982, Olive Garden has been dedicated to providing a warm, welcoming dining experience and Italian hospitality to everyone who wa…

18. Applebee’s

100 Manhattan Town Ctr Manhattan, KS 66502

19. Harry’s Restaurant

418 Poyntz Ave Manhattan, KS 66502

Hot Lobster Cilantro Martini is the way to go! I received a gift certificate here, and good thing too. We had a large tab to pay but it was Very M…

204 Tuttle Creek Blvd Manhattan, KS 66502

From Business: Denny’s is America’s Diner. Where guests have come for over 65 years to sit back, relax and enjoy classic American comfort food and everyday value 24 hours a day,…

101 Goodfood Pl Manhattan, KS 66502

From Business: Phone: 785-58-9800

22. Houlihan’s

1641 Anderson Ave Manhattan, KS 66502

From Business: Forget ‘casual dining.’ That’s an industry term so out of touch with how consumers eat and drink today. For premium quality and style; fare that’s at times famili…

23. Applebee’s

3rd Poyntz Ave Manhattan, KS 66502

From Business: Applebee’s Neighborhood Grill & Bar offers a lively casual dining experience combining simple, craveable American fare, classic drinks and local drafts. Now that’…

24. Cracker Barrel Old Country Store

115 N East St Junction City, KS 66441

From Business: Cracker Barrel Old Country Store is a chain of family restaurants with one of its locations in Junction City, Kan. The restaurant offers home-style country food a…

25. Country Kitchen

329 E Chestnut St Junction City, KS 66441

321 E Ash St Junction City, KS 66441

Ihop is a family tradition before church on Sunday! Food is always good, service is sometimes slow but if there is a problem the server or manager a…

27. La Isla del Encanto

1000 Grant Ave Ste A Junction City, KS 66441

28. Pizza Hut

1035 W 6th St Junction City, KS 66441

If you’ve ever been to a Pizza Hut you’ll know what to expect.

29. Froggy’s

311 E Bertrand Ave Saint Marys, KS 66536

We found 29 results

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Allstate Insurance Company

• (877) 421-6619

How much could you save? Call for free quote now!

Tips & Advice

What is errors and omissions insurance?

Errors and omission insurance covers business-related mistakes that lead to injury of a third party, such as neglecting to file important papers.

What are the different types of business insurance?

While property, liability and workers’ compensation are the most common types of business insurance, other types include property, business interruption, and errors and omissions.

What is not covered by business insurance?

Business insurance does not cover professional liability (due to poorly performed work), the purchase of replacement equipment, vehicle accidents not related to work, or business lost due to damaged equipment.

What does business insurance usually cover?

Business insurance generally covers accidental property damage, accidents resulting in injuries to employees or customers, the products you sell, or copyright issues.

What factors impact the cost of business insurance premiums?

Factors impacting the cost of business insurance premiums include the type of business, the risk involved, the size and number of employees, your experience in the industry, and location.

Is business insurance the same as professional insurance?

No. Business insurance covers general legal issues such as injuries that occur on your property and property damage. Professional insurance covers lawsuits focused on service such as charges of negligence, contractual disputes, etc.

How much does business insurance cost?

The amount of coverage you require may depend on your industry, location, and the risk involved. On average, the general annual cost of business insurance for a company with 10 or fewer employees is $741.

Can I deduct business insurance from my taxes?

You can deduct business insurance from your taxes as long as the insurance covers the business and its operations, and not personal insurance or personal loss-of-income.

How do I make a business or commercial insurance claim?

In the event of an incident that results in financial loss, contact your insurance company immediately and give details of the incident, including when it occurred, where, witness names and contact information, and other important information.

What is business insurance?

Business insurance covers a company for financial losses related to related events, including injuries that occur on your property or are caused by you or your employees, such as property damage.

Allstate Insurance Company

• (888) 431-3748

How much could you save? Call for free quote now!

Serving the Manhattan area.

• (877) 229-9777

You could save 15% or more on car insurance.

• (800) 331-0443

You could save 15% or more on car insurance.

• (800) 331-0587

You could save 15% or more on car insurance.

Direct Auto & Life Insurance

• (877) 777-3245

Contact Us Online or by Phone-Locations Near You!

State Farm

• (866) 276-1219

Affordable Health Coverage

Serving the Manhattan area.

• (800) 749-6497

DON’T OVER PAY FOR HEALTH COVERAGE

Liberty Mutual

Serving the Manhattan area.

Serving the Manhattan area.

• (877) 294-7187

You could save 15% or more on car insurance.

American Family Insurance

• (800) 994-6308

All Your Protection Under One Roof!

Serving the Manhattan area.

• (800) 550-2513

You could save 15% or more on car insurance.

Serving the Manhattan area.

• (800) 550-5298

You could save 15% or more on car insurance.

• (800) 331-9790

You could save 15% or more on car insurance.

Allstate Insurance Company

• (877) 649-2206

How much could you save? Call for free quote now!

UnitedHealthcare

Serving the Manhattan area.

• (855) 828-8942

Whatever your Medicare needs, we can help you.

Serving the Manhattan area.

Holmes Insurance Agency

422 N Juliette Ave, Manhattan, KS 66502

• (785) 789-4709

Church– Commercial– Building Contractors

Farm Bureau Financial Services

33 S 4th St, Seneca, KS 66538

Allstate Insurance Company

• (844) 797-6789

How much could you save? Call for free quote now!

SelectQuote Senior

Serving the Manhattan area.

Answer Financial

Serving the Manhattan area.

Gallaher Insurance Service

6124 Anderson Ave, Manhattan, KS 66503

GEICO Insurance

Junction City, KS 66441

David Borgerding – State Farm Insurance Agent

428 Lincoln Ave, Clay Center, KS 67432

Gene Warren – State Farm Insurance Agent

2801 Claflin Rd, Manhattan, KS 66502

John Banister – State Farm Insurance Agent

1022 Broadway, Marysville, KS 66508

Karen Jameson – State Farm Insurance Agent

206 E Ash St, Junction City, KS 66441

Karl Kunz – State Farm Insurance Agent

210 N 4th St Ste B, Manhattan, KS 66502

LaDonna Junghans – State Farm Insurance Agent

610 N Eisenhower Dr, Junction City, KS 66441

Jon Harper is the best insurance agent that I have used. He is so good that I still use him even though I live 100 miles away from his office. He was licensed in Missouri so I could still use him when I lived in MO for a short period. He is always easy to get ahold of and makes sure you get exaclty what you need. One of the easist 5 star ratings I’ve ever given.

This agency is so friendly and really knows what they are talking about. They truly go out of their way to help both future and current clients

Insurance Basics

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.

Insurance Agents
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.

Insurance Products

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.

Automotive Insurance
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.

Homeowners Insurance
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.

Health Insurance
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.

Life Insurance
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
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
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
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.

Insurance Claims Basics

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.

Finding Discounts on Insurance

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.

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