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Auto Insurance

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No matter what you drive, you've got to have it.  The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Talk to us to determine the best coverage for you.

Insurance for cars, trucks, boats and more!


Edie Insurance Group can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! How much auto insurance is right for you? 
Based in Lawrence, KS, our team understands the auto insurance needs of our customers and can answer all of your questions.

Collision Insurance:

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost. 

Comprehensive Insurance (Other than Collision):

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.

Liability Insurance:

Liability Insurance, generally speaking, provides coverage in the event you are legally found to be responsible for damage to another.  Your liability insurance pays for the damage to another person resulting from an accident you've caused. That said, there are different kinds of liabiltiy insurance.  Talk to us to find out what is required where you live and what we recommend based on our assessment of your individual risk.  

Every person is unique!

Talk to us to get the best auto insurance for you.

Edie Insurance Group

Call for a quote today at (785) 856-EDIE (3343).

Health Insurance

 healthcare

Even if you are in good health, having health insurance is important.  There are many plans available in or out of the marketplace.  You can choose a low-deductible plan with a large network of many doctors, a cost effective high-deductible plan, or choose a plan to accompany your Direct Primary Care Physician.  There are many options available. We are here to help you find the plan that's right for you. Contact us to learn more.

What are the major types of health insurance policies in Kansas, Missouri, Texas, and Illinois?

There are basically three major types of health insurance policies for Kansas, Missouri, Texas, and Illinois residents to choose from--consumer-directed, fee for service, and managed care. These health insurance plans help cover your medical, surgical, and hospital expenses. They may even cover dental expenses, mental health services, and prescription drugs, depending on the coverage you choose.

Consumer-directed

A consumer-directed health plan is a newer type of healthcare plan and typically carry a high deductible. As part of the plan, you setup a Health Savings Account (HSA) that can be used to cover medical expenses.  Many people choose to pair this type of plan with direct primary care.  

Fee for Service

A fee for service plan is a more traditional healthcare plan. It means you pay a fee to your provider for every healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider.

Managed Care

Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you can only receive treatment from physicians that participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of service (POS) plans.

Common Health Insurance Terms

When discussing health insurance with a Edie Insurance Group, LLC agent, it helps to understand some of the common terms you’ll run into. Below you’ll find definitions to some of the most common health insurance terms.

  • Deductible - the amount of money you pay toward medical bills before your insurance coverage begins.
  • Co-pay - a specified amount of money you pay upfront for doctor visits and prescription refills.
  • Coinsurance - the percentage of medical bills you pay after meeting the deductible.

 To learn more about health insurance contact Edie Insurance Group

 785-856-3343 

Home Insurance

For most of us, our home is our biggest investment.  A home insurance policy with Edie Insurance Group can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!

What you need to know about homeowners insurance:

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners policies differ by which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers a wide range of risks, or whether it’s a policy that covers only specified losses.

Edie Insurance Group is here to help you find the right insurance for your home. Whether you’re a home or condo owner, a renter, or a landlord, Edie Insurance Group will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value.

Protection for Your Home:

Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

Protection for You and Other People:

Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. Your liability coverage is worldwide on most homeowner policies.

Additional Living Expenses:

If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt.

Protection for Your Belongings:

Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

Medical Coverage:

This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property.  It does not cover health care costs for you or other members of your  household.  

Scheduled Personal Property Coverage:

Most homeowner policies limit coverage on specific items.  If you have special possessions such as jewelry, art, antiques or collectibles talk to us about covering them with additional "scheduled" coverage.

If You Rent Out Your Home:

A typical homeowner policy excludes rented dwellings so it's paramount to speak with us if you decide to rent out your home.  Landlords policies are tailored to fit the needs of the landlord. These can include income protection, tenant liability, and more.  Contact us about your rental property and we'll find the right carrier and product for you.

Lawrence, Kansas – Protect the Things that Matter to You.

Download the Edie Insurance Group App on your smartphone to make an inventory of your home and personal belongings.  This can help expedite the claim resolution process. 

Every home is unique.

Talk to us today at (785) 856-3343 to find out how to get the best homeowners insurance for you.

Life Insurance

South Park Lawrence

Lawrence – What You Need to Know About Life Insurance

Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone.

Don’t leave the future of you and your loved ones to chance. Edie Insurance Group, LLC can help you find the right life insurance coverage for you, and help ensure that your policy continually meets your needs.

Life changes – so should your policy

For each of our neighbors the right life insurance will be unique for you and dependent on your personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. 

We can help you choose select the best coverage for your needs.

There are several different types of life insurance products available – the most common include:

Term Life Insurance

Term life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent (whole) life insurance, and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 20-year (level term) period. Term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

Whole Life Insurance

Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.

Universal Life Insurance

Universal life is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.

What are the advantages of life insurance?

Having the right life insurance is essential to planning for your present, and your future. Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.

Advantages of the life insurance death benefit: When you pass away, your life insurance provides income tax-free money to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes or virtually any financial need. Your policy can help provide security for your business security as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.

Advantages of Living Benefits: The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.

Edie Insurance Group can help you protect your family and your future with the right life insurance.

Contact us today at 785-856-edie (3343)

Commercial & Business Insurance

Mass Street Lawrence

Edie Insurance Group, LLC knows business in our communities – you can find our offices in Lawrence, KS, and our clients all around Kansas, Missouri, Texas, and Illinois. As an independent insurance agency, we take pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business.

We’re proud members of the Lawrence, Kansas marketplace, and we’re committed to being an advocate for you and your business in times of need.

Our commitment is to serving you

Edie Insurance Group LLC knows that in Kansas, there are as many unique insurance needs as we have neighbors who live here!

To talk with one of our helpful team members about your insurance needs, contact us today at (785) 856-3343.

  • Commercial & Business Insurance – Insurance coverage that helps protect your business
  • General Liability Insurance – Broad insurance coverage for your business and activities.
  • Commercial Property Insurance – Protect your business with insurance for your commercial property.
  • Business Auto Insurance – Cover your business with insurance for commercial vehicles.
  • Commercial Umbrella Insurance – Insurance coverage that helps protect your business from the rising costs of lawsuits.
  • Workers' Compensation Insurance – Insurance coverage that helps you take care of your employees.
  • Bonds - Protect your assets with financial backups for promises made by others.

Boat & Watercraft Insurance

Edie Insurance Group, LLC can help make your time on the water relaxed and worry-free! We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety your passengers, or your investment.

Do you know what to look for in a watercraft insurance policy?

Edie Insurance Group can help you determine the right amount of coverage to meet your specific needs.  Just give us a call to get started.  Here are some things to consider:

  • Navigational Area: Know where you are covered in the water. Some companies, such as Safeco Insurance, offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, additional coverage area can be purchased.
  • Agreed Value Coverage: Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.
  • Liability: Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.
  • Medical Payments: Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
  • Physical Damage Coverage: Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.
  • Uninsured/Underinsured Watercraft Bodily Injury: Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
  • Fuel Spill Liability and Wreckage Removal: Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive.
  • Personal Effects: Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state – check with Edie Insurance Group LLC for information. Personal effects coverage does not include jewelry, watches or furs.
  • Unattached Equipment Coverage: This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc.
  • Emergency Assistance: The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

Every need is unique – contact Edie Insurance Group to find out how to get the best boat and watercraft insurance coverage for you.

Call us at (785) 856-3343

Specialty Insurance

 

We serve your unique needs.

One of the keys to our success is the ability to recognize the special risks that our customers face. That’s why Edie Insurance Group can advise you on a variety of specialized insurance products, designed to address the unique risks of specific industries and businesses, including:

  • Contractors
  • Feed dealers/distributors
  • Fresh pack/fruit and vegetable processing
  • Golf courses
  • Mobile home parks
  • Restaurants
  • Veterinary
  • Vineyards/wineries
  • Wholesalers
  • Wholesale nurseries
  • Farms
  • Home Healthcare Providers  

Contact Edie Insurance Group at (785) 856-EDIE 3343 to find out how we can help you.

Flood Protection

The right coverage is unique to your property. To find out how to protect your family and your future, call Edie Insurance Group: (785-856-3343).  We have the right flood insurance for you.

All flood Insurance is offered through the National Flood Insurance Program: http://www.fema.gov/business/nfip/.

Though the government actually provides flood coverage, at Edie Insurance Group, we issue this policy in the event of flood damage to your insured property, and we can also service your claim.

Talk with Edie Insurance Group today: 785-856-3343 or This email address is being protected from spambots. You need JavaScript enabled to view it. to identify the best combination of coverage, value and price just for you.