PERSONAL INSURANCE
AUTO INSURANCE
In Missouri, as well as most states, car insurance is required by law. Not all auto insurance policies are written the same, so it is important to have the right one. Just because you have a cheap auto insurance policy doesn't mean you have the best one. Auto insurance can consist of the following protections:
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Liability
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Collision
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Comprehensive
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Medical Payments
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Emergency Road Service
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Uninsured Motorist Protection
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HOME INSURANCE
Home insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts. Home insurance can consist of the following protections:
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Storm damage, fire, windstorm, lightning, and hail
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Dog bite liability
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Manufactured home coverage
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Trampoline or swimming pool liability insurance
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Wind damage
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Sinkholes
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Flood damage
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Sewer or septic backups
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Replacement cost for personal property
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Umbrella liability insurance
TOY INSURANCE
Insurance for your "toys" includes boats and other watercraft, classic cars, motorcycles, RVs, trailers, AtV's, UTV's and more! We understand that having insurance for these items may seem unnecessary. However, accidents happen and they also come out of nowhere. It is best to be protected in case of the worst possible scenario. The types of insurance you can have are:
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Boating and watercraft insurance
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Classic Car Insurance
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Motorcycle Insurance
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RV and Trailer Insurance
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ATV Insurance
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RV Insurance
RENTERS INSURANCE
There are many perks to renting as opposed to owning; no property taxes, lawn care, snow removal, etc. However, your rental is still a home which means home-like hazards can still happen. Your renters insurance policy may include:
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Personal property protection
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Family liability protection
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Guest medical protection
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Additional living expenses
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Additional protection
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Temporary housing
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Liability protection for people on your property
UMBRELLA INSURANCE
The term “umbrella”, is used quite literally when referring to this type of insurance. This policy acts as an umbrella that provides protection over your insurance policies in the case of any financial insecurity or incalculable events. Your umbrella insurance policy may include:
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Injuries you cause in a car accident
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Injuries someone suffers on your property
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Property damage you cause in an accident
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Property damage your pet causes
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Property damage a dependent or child causes
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Attorney fees and other legal costs
LIFE INSURANCE
Ensure your family's future is protected. Though costs are a real concern for most people considering life insurance, it never costs as much as you think. Sometimes in life, the worst thing is to be unprepared. Especially in the case of a freak accident or sudden illness. There are two different types of life insurance policies you can choose from:
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Term life policies, which are set up to cover you for a specific period of time
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Whole life or Universal life insurance, which covers the insured for the course of their life