Thursday, April 15, 2021

Roadside assistance question

Recently I saw one of my companies non-renew an auto policy because of 3 towing losses within 6 months.  What happens is the auto insurance companies typically charge less $20 every 6 months f... READ MORE >>

Monday, March 8, 2021

Landlord insurance

If 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 F... READ MORE >>

Wednesday, February 3, 2021

Earthquake Insurance for Homes

February is earthquake awareness month and a reminder to check and be sure your homeowner, condo, rental home or renter policy includes this valuable coverage. READ MORE >>

Monday, December 14, 2020

Valuable Items on Homeowner Policy

All 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 furt... READ MORE >>

Saturday, November 28, 2020

What happens when a car is totaled in accident

When your car is totaled by your or the other insurance company it can be frustrating.  The insurance companies are only required to give you the current value of your car minus any prior damage and your deductible. READ MORE >>

Tuesday, October 27, 2020

What if home becomes Vacant

When 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. READ MORE >>

Tuesday, October 13, 2020

Why an Umbrella is needed

I 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. READ MORE >>

Thursday, September 24, 2020

Discounts offered by Auto insurance companies

Insurance companies offer many, many discounts on car insurance.  The obvious discounts include good driver and multi-car discounts.  Discounts can include unusual items such as Advance q... READ MORE >>

Friday, August 14, 2020

Golf Carts and Electric Bikes

The world keeps changing, innovations are everywhere.  Golf Carts used to simply be used on golf courses only, now they are used by people in communities as transportation. READ MORE >>

Tuesday, June 30, 2020

Are Homeowner and Dwelling Fire policies the same?

Homeowner policy forms are used for Owner-Occupied residences, not rental or vacant properties.  Homeowner forms can be used for owning a home, villa, condo or renting an apartment; however, there are different homeowner forms for each. READ MORE >>