Tuesday, September 21, 2021

Does color of car factor in rating of auto insurance

It does not matter what color of car, the rate is same.  Once you have a year, make, model and trim(such as Sport, Limited etc) the color makes zero difference in the cost of your car insurance. READ MORE >>

Tuesday, August 24, 2021

Personal Inventory

If a total loss occurs, tornado/fire, and you have insurance protecting for the loss an insurance company will need to "WHAT HAVE YOU LOST".  It will be up to you to fill out forms and that can be time consuming. READ MORE >>

Tuesday, July 27, 2021

Valuable Items/Collections for Homeowner Insurance

Is it a good idea to Itemize/Group/Schedule valuable items such as card collections on your homeowner policy?  Yes, it is.  The reason is it's valuable and anything of value such as $10,0... READ MORE >>

Thursday, June 10, 2021

Can I have too many Roadside claims?

I have heard of a couple companies cancelling a auto policy simply due to 3 or more roadside/tow claims in first 6 months a policy began.  So the answer is yes, if tow to a shop and the shop c... READ MORE >>

Thursday, April 29, 2021

Flood Insurance in Missouri

Spring is back, rain is back.  It is not necessary to live near a creek to have flooding issues.  Hard pounding rain water becomes surface water, rides on top of the surface, entering a home is NOT covered by any homeowner policy. 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 >>

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 >>