Wednesday, October 2, 2019

Classic, Antique and Unique Car Insurance

Do you own a low production, high valued vehicle such as 1950, 60,70,80,90 or 2000 model car which is rarely driven(less than 7500 miles a year), kept in garage and you would like more than a typical auto policy providing Actual Cash Value(ACV)? READ MORE >>

Tuesday, August 20, 2019

Interior water damage with homeowner policies

When I hear water claims I cringe simply because there are covered and non-covered water damage claims.   I am referring to homeowner policies and using a common example, the company claims adjusters are much more tuned in on the issues. READ MORE >>

Wednesday, July 31, 2019

Recently Mapped into Flood Zone

I blogged in 2017 about this and decided to reprint with a few modifications. In 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? READ MORE >>

Monday, June 17, 2019

Mo auto liability limit increasing

It's about time, the Missouri auto liability limit will be increasing slightly from 25/50/10 to 25/50/25 effective 7-1-2019.  This means the Property Damage limit will change from $10,000 to $25,000 for any one accident. READ MORE >>

Friday, May 10, 2019

Check your decks, handrails and posts for rotting

Spring is a good time to check your deck, porches and stoops hand railings, posts and other wood items around the exterior.  Face it your deck, porch, steps take a weather beating. READ MORE >>

Wednesday, April 24, 2019

My tree hits your home, who pays?

With the spring in full motion in Midwest this 2019, I can bet there will be a a few calls about trees.   The way it works in insurance, if a tree falls on a home/fence/structure from a s... READ MORE >>

Thursday, March 28, 2019

Bicycle, Motor Cycle and ATV

Most homeowners with children own at least one bicycle.  A bike with a motorized unit attached to it is NOT covered by a homeowner policy and should seek a motorcycle/scooter policy.  READ MORE >>

Sunday, February 17, 2019

What is Property & Casualty Insurance

Property and Casualty mean separate things.  Property insurance provides protection against most risks to tangible property from losses like auto collision, fire, flood, earthquake, theft and other perils. READ MORE >>

Thursday, January 24, 2019

Earthquake myths video published by Mo Dept of Ins

  https://youtu.be/OzPGi8PATE0 Please highlight and go to this short link above.  This clip is published by MO DEPT OF INSURANCE pertaining to myths surrounding earthquake insurance.   READ MORE >>

Tuesday, January 15, 2019

Winter Tip on chimneys

Winter has come across the nation and that means fires in fireplace.  I have a couple fires a month in my fireplace.   I try and clean out the ashes a few days later and reset wood, sticks and paper for the next fire. READ MORE >>