Tuesday, June 9, 2015 Homeowner policies "typically" are limited to motorized vehicle's used to service the premise(lawn tractor, mower, tiller etc). Homeowner companies simply do NOT cover motorized land vehicles used OFF the insured's premise. ATV's or dirt bike's should be insured separately on a motorcycle policy. READ MORE >>
Wednesday, June 3, 2015A recent question, during an auto claim, will my auto policy pay for a Rental Car while car is in shop for repairs. Most companies offer this coverage for a small fee per car with full coverage. The daily car rental limit can range from $30,40 or $50. READ MORE >>
Saturday, March 28, 2015A great question often asked is how much LIFE insurance should I obtain? There are methods, life insurance needs analysis, to figure this out; however I like to keep it simple. How much do you love your family? At the minimum I'd suggest $250,000. READ MORE >>
Wednesday, February 4, 2015Does automobile Full Coverage mean a person is covered for EVERYTHING? Absolutely NOT! ALL Auto policies have limitations. An agent typically knows what a person is asking for when they hear full coverage; however, rarely is a person covered for EVERYTHING. READ MORE >>
Thursday, January 22, 2015Flood policies do NOT cover finished basements. Flood policies only protect basements for cleanup, furnace, hot water heater, circuit breaker box, deep freezer(not a fridge) and perhaps washer and dryer. Carpeting, bedroom(s), bathroom, office, furniture, clothes are simply NOT covered by flood policies. READ MORE >>
Thursday, January 22, 2015Flood policies do NOT cover finished basements. Some of the items covered by Flood policies: Drywall for walls and ceilings(not taped), cleanup, furnace, hot water heater, circuit breaker box(including electrical outlets and switches), deep freezer(not a fridge) and sump pumps. READ MORE >>
Saturday, January 17, 2015If a sewer line, extending from house to the street, collapses due to settling or tree roots is this type of loss covered by a homeowner policy? Unfortunately, typically the answer is NO. Many older communities in St. Louis impose a lateral sewer line charge on the real estate bill specifically for this. READ MORE >>
Friday, December 26, 2014Is 25/50/10 enough or should go with 50/100/50, 100/300/100 or 250/500/250 limits? This agency recommends "higher the better", we all have seen 2,4 or 6 car pile ups on highways or the news. What we rarely see is how the court case's were settled 3-4 years later. READ MORE >>
Thursday, October 23, 2014THE Affordable Care Act(ACA) open enroll period means an applicant MUST sign up during the period of (11-15-14 till it's last day of 2-15-2015) to obtain an ACA policy effective in 2015. If this deadline is missed applicant must wait till next 11-15-15 open enrollment period begins, unless a the very limited and strict ACA exception applies. READ MORE >>
Thursday, October 23, 2014THE Affordable Care Act(ACA) open enroll period for 2015 means an applicant MUST sign up during the period of (11-15-14 till it's last day of 2-15-2015) to obtain an ACA policy effective in 2015. If this deadline is missed applicant must wait till next 11-1-15 open enrollment period be... READ MORE >>
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