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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