Thursday, January 19, 2023

Electric Bike

Okay, you just received an Electric Bike (EBike) for Christmas or you just purchased one.  Are Ebikes covered by your homeowner insurance?  NO!!!! They are not covered as they have a motor. READ MORE >>

Monday, November 14, 2022

roofs on homes

If you have replaced a roof on your home be sure and let your homeowner insurance company know.  Many companies give a discount based on roofs age.  As time goes on the discount is reduced. READ MORE >>

Saturday, July 30, 2022

Flooding & Homeowner Insurance from 7/26/2022 11" storm

Parts of the St Louis region received as much as 8" of rain in 6 hours and a total of 11" in 24-hour period beating a record from July 1915. READ MORE >>

Thursday, December 16, 2021

Independent agent

Is there a difference in how handles your insurance?  If select direct writing company i.e. State Farm the agent typically can only represent ONE company, one option. 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 >>

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 >>

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 >>

Thursday, April 23, 2020

Personal Auto Insurance Relief Fund

During the stay at home orders by various state governors, Missouri, many of insurance companies are offering a refund to their clients.  Many companies are offering a 15% discount of two months of auto insurance premiums, due to less driving activity. READ MORE >>