Wednesday, December 5, 2018

Loss Assessment Coverage for Condos

A recent quest came up when client asked how the Condo Loss Assessment coverage works.  Condo policies are a classic example of building a policy, since Master Policies vary tremendously. READ MORE >>

Wednesday, October 31, 2018

Motorized vehicles typically are not covered by homeowners

Many people own some kind of motorized vehicle, such as ATV, golf cart or scooter and assume their homeowner policy will cover it, well they will be in for a shocking surprise in event of a serious injury. READ MORE >>

Tuesday, October 9, 2018

IDENTITY THEFT

This is a reminder to be extremely careful opening up any email attachments.  If you are unsure who the sender is then do not open any attachments or go to any links within the email. READ MORE >>

Monday, August 20, 2018

Optional Auto Insurance Coverages

First and foremost, consider increasing auto liability limits and perhaps obtaining a $1,000,000 umbrella policy.  If an a person causes a serious auto accident, these days a person will be sued. READ MORE >>

Thursday, July 12, 2018

What is difference between Medical Payments and PIP in auto policy

I am answering this in a general kind of way, as Missouri uses Auto Medical Payments not Personal Injury Protection(PIP).  Medical payments is an optional coverage in Missouri, the options are typically $1,000, $2000, $5000 or $10,000. READ MORE >>

Wednesday, June 20, 2018

Credit and Insurance

An applicant's credit certainly is a huge rating factor when it comes to most insurance policies.  Credit seems to rule these days, whether it's for a car loan, mortgage, credit card etc. READ MORE >>

Tuesday, May 15, 2018

Hail claim to roof

In Missouri, most home insurance companies will only pay to replace an entire roof if there is enough hail evidence to entire roof.  It's very possible a home could require and entire new roof while a neighbor only has minimal damage. READ MORE >>

Wednesday, April 18, 2018

Umbrella coverage for Uninsured and Underinsured Motorist

It's been a while since reviewed this important coverage.  In Missouri, Un and Underinsured Motorist can be added to any auto policy with liability limits OVER the state minimum of 25,000/$50,000/$10,000( i. READ MORE >>

Friday, February 23, 2018

Telematics for car insurance

More and more auto insurance companies are offering new and existing policyholders an opportunity to further reduce cost of their auto insurance by inserting a tracking device for set period of time to determine how safe the driver is. READ MORE >>

Friday, January 12, 2018

Should I obtain life insurance for a daughter with a child?

ABSOLUTELY, for the sake of the grandchild if anything happens to the mother then having some extra money for bringing up the grand child for clothing, education, transportation when the grandchild... READ MORE >>