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As we approach Spring, be ready for rain, rain, and more rain.  As a reminder to all homeowners, rains which enter into a home are NOT covered by homeowner policies.  Water which runs on top of driveway, patio, deck or the yard is called surface water.  Surface water entering a home simply is NOT covered by home policies. READ MORE >>

Be sure and check and replace your furnace filters every 3 months.  If you own pets perhaps change every 2 months.  This is a very simple process, simply check the size of filter, then go to local hardware(Ace), big box store(Lowe's, Home Depot, Menards) many larger grocery stores and Walmart carry the filters. READ MORE >>

A new coverage in 2019 is available from many home insurance companies called Service Line coverage.  This coverage is designed to cover sewer lines/water lines/power lines from the house to the street that may collapse, rot, burst and require the digging up of the yard to replace/repair the issue. READ MORE >>

Unless you Own a home or Condo and do not reside with family members then EVERYONE in that situation should have a Renters Insurance Policy.  Whether you rent an apartment/duplex/townhouse or live with a non relative you should have a renter insurance policy. READ MORE >>

Do you own a low production, high valued vehicle such as 1950, 60,70,80,90 or 2000 model car which is rarely driven(less than 7500 miles a year), kept in garage and you would like more than a typical auto policy providing Actual Cash Value(ACV)?   HAGERTY Ins Co offers Stated Amount and Guarantee Value for your unique car. READ MORE >>

When I hear water claims I cringe simply because there are covered and non-covered water damage claims.   I am referring to homeowner policies and using a common example, the company claims adjusters are much more tuned in on the issues. READ MORE >>

I blogged in 2017 about this and decided to reprint with a few modifications. In all the years you have lived in your home it has never been flooded, now you are told you are recently mapped into a flood zone, typically A or AE zone, now what? READ MORE >>

The standard auto policy provides coverage for car, spare tire, jack and child seat.   Auto policies simply do not cover items stolen from a car such as sunglasses, phones, sports equipment, gifts, packages etc.   When it comes to pickup trucks items not automatically inscluded would be a camper shell, tool boxes, tools used for a profession i. READ MORE >>

It's about time, the Missouri auto liability limit will be increasing slightly from 25/50/10 to 25/50/25 effective 7-1-2019.  This means the Property Damage limit will change from $10,000 to $25,000 for any one accident.  In other words if a person has a 3 car pile up the new maximum limit paid out will be $25,000 for all damages. READ MORE >>

Spring is a good time to check your deck, porches and stoops hand railings, posts and other wood items around the exterior.  Face it your deck, porch, steps take a weather beating.  Dry rot can occur and weaken the structure which can lead to collapse. READ MORE >>

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