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, 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, 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 >>

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 >>

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 >>

Friday, December 22, 2017

Should insure ATV separately?

All Terrain Vehicles(ATV), should have a separate motorcycle policy, rather than rely on homeowner policy to protect a homeowner.  Many ATV's are used to service a homeowner's property and nev... READ MORE >>