Tuesday, September 21, 2021It does not matter what color of car, the rate is same. Once you have a year, make, model and trim(such as Sport, Limited etc) the color makes zero difference in the cost of your car insurance. The trim can make a difference in cost. READ MORE >>
Tuesday, August 24, 2021If a total loss occurs, tornado/fire, and you have insurance protecting for the loss an insurance company will need to "WHAT HAVE YOU LOST". It will be up to you to fill out forms and that can be time consuming. I can imagine most people do not have a personal inventory of the items they have; therefore, I suggest opening up closests, cabinets and taking photos. READ MORE >>
Tuesday, July 27, 2021Is it a good idea to Itemize/Group/Schedule valuable items such as card collections on your homeowner policy? Yes, it is. The reason is it's valuable and anything of value such as $10,000 Wedding Ring or Baseball Card collection is worth protecting. READ MORE >>
Thursday, June 10, 2021I have heard of a couple companies cancelling a auto policy simply due to 3 or more roadside/tow claims in first 6 months a policy began. So the answer is yes, if tow to a shop and the shop can not fix it and a second tow is required to get the car to next shop that "may" not be covered sin... READ MORE >>
Thursday, April 29, 2021Spring is back, rain is back. It is not necessary to live near a creek to have flooding issues. Hard pounding rain water becomes surface water, rides on top of the surface, entering a home is NOT covered by any homeowner policy. READ MORE >>
Monday, March 8, 2021If you own a Rental home or rental unit up to 4 families be sure you have good policy to protect the building and loss of rents. Typically the insurance companies will use a Dwelling Policy Form 3(DP-3) for the properties covered for rebuilding cost or a Dwelling Fire Form 1(DP-1) for the Actual; Cash Value or Market Value Policies. READ MORE >>
Wednesday, February 3, 2021February is earthquake awareness month and a reminder to check and be sure your homeowner, condo, rental home or renter policy includes this valuable coverage. For the policyholder who has a mortgage the coverage should be mandatory; however, it is not. In Missouri we do live in earthquake zone and the coverage is so important. READ MORE >>
Monday, December 14, 2020All homeowner companies have limitations in the event of theft to valuable items. Each company has their own limits; however, most companies are pretty close similar and take it one step further a company like SAFECO has 4 different homeowner programs in Missouri. READ MORE >>
Tuesday, October 27, 2020When a owner-occupied or rental house becomes VACANT(means empty of people and contents) insurance companies can DENY a claim. In fact some may deny if vacant of people and contents for 1 day, others may give 30 or 60 days. The main issue is Vandalism or Malicious Mischief, including fire caused by arson. READ MORE >>
Tuesday, October 13, 2020I was reviewing a publication in Missouri Association of Insurance Agents with real life examples. Scenario #1, An insured was driving on a two lane highway when they struck a pedestrian causing serious head trauma. The insured was not intoxicated, was not speeding and not using cell phone. READ MORE >>
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