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 >>

Friday, August 19, 2016

Earthquake only policy for MO

Many homeowner insurance companies have stopped writing earthquake coverage in Missouri, other's have placed a year(such as 1960) as the oldest they will permit adding earthquake. READ MORE >>

Friday, February 26, 2016

Jewelry Coverage on Homeowner Policies

All standard homeowner policy forms including: homeowners, condominium, villa and renter policies have LIMITATIONS in the event of loss to jewelry. READ MORE >>

Friday, January 15, 2016

Garage door hits your parked car is Comp or Collision?

A question came up, garage door hit their parked car.  Is this a Comprehensive or Collision loss?  Collision refers to upset of your covered auto or it's impact with another vehicle or object. READ MORE >>

Wednesday, September 30, 2015

Loss Assessment for Condo Policy

If you own a Condominium or Villa(shared wall type of dwelling) you may be familiar with Assessments.  A Condo insurance policy does not cover all types of assessments, in fact maintenance items simply are not covered. READ MORE >>