Friday, December 22, 2017All Terrain Vehicles(ATV), should have a separate motorcycle policy, rather than rely on homeowner policy to protect a homeowner. Many ATV's are used to service a homeowner's property and never leave the property; however, my guess is the majority of ATV owners take the unit off the insured's premise. READ MORE >>
Wednesday, December 6, 2017The Affordable Care Act(ACA) has turned out to be a flawed program, the program has helped a number of normally uninsured people obtain coverage and receive a subsidy to reduce the costs; however, the ACA has also punished health people who make more than the subsidy levels. READ MORE >>
Monday, October 30, 2017United Health Care offers a number of Short-Term Health Insurance policies. The short term policy is NOT Affordable Care Act(ACA) Health Insurance, at end of the year a short term policy holder will NOT receive a 1095-B form. Short Term policies can fill a void for people between jobs or waiting for other coverage to begin. READ MORE >>
Friday, October 13, 2017The 2018 Open Enrollment period is shorter this year, it extends from 11-1-2017 to 12-15-2017....that is it. Anthem Blue Cross/Blue Shield has pulled out of St.Louis, St. Charles, Jefferson & Franklin Counties for 2018, so my agency has decided to STOP writing Affordable Care Act policies. READ MORE >>
Sunday, September 17, 2017In 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? First the reason you may be recently mapped into a flood zone is all the new building upstream or downstream of your homes location. READ MORE >>
Monday, August 14, 2017A client asked me, I carry 50/100/50 liability limits, is that adequate? This is a loaded question, I would say yes it is adequate if a minor accident occurs; however, if a major accident occurs you better hope your policy limits are not exhausted....if so any awards over the limits will have to come out of YOUR pocket. READ MORE >>
Tuesday, July 18, 2017On 7-14-17, FEMA(Federal Emergency Mgmt Agency)announced two weeks remain for Missouri Homeowners, Renters and Businesses to apply for disaster assistance, deadline is 8-1-2017, for low interest loans from the U.S. small business admin. READ MORE >>
Wednesday, July 12, 2017Recently I read trade magazine about why homeowners insurance exclude certain dog breeds. Apparently 1/3 of all homeowner claims are dog related and an average claim is $33,000. The standard list of 5 is: Pit Bull, Rottweiler, Doberman, Presa Canario and Chow Chow. READ MORE >>
Monday, June 26, 2017Recently was asked, my child will be off to college in fall do I need a Renters policy or will my homeowner provide the protection. As long as child is a full time student, away at college, they would have 10% of the homeowner policy of parents policy. READ MORE >>
Friday, May 5, 2017If I have a dealer warranty why would I need Rental Car or sometimes called Loss of Use Coverage for my car? The reason is an extended warranty does not include rental car if car is damaged in an accident or some other claim. READ MORE >>
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