Isn’t it amazing how quickly things change? Our family grows larger or smaller over the years, and the size of our home usually changes with it. It seems we’re always renovating, moving, upsizing, or downscaling to meet our needs. We buy new things, replace the old with the new, or sometimes add those well-deserved little luxuries along the way.
It can be easy to forget one of the most important things to consider as our lives, property, and possessions continue to change. Your insurance coverage should change and grow with you whenever whenever these life events happen. Whether you’ve upgraded your computer, bought a new camera, or changed neighborhoods, it may be time to review your current policy.
Let us help you make those insurance decisions, we promise to make it as easy and convenient as possible. We have the ability to offer home and auto bundle coverage with some of our companies. Call us today for an appointment at 417-843-2404.
Most homeowner policies include: coverage for the dwelling; coverage for the contents of your home; other structures coverage-such as a garage or shed; additional living costs- covers additional costs incurred when a covered claim prevents you from occupying your home; and liability coverage.
Some additional coverages might include: home based business-such as a daycare; coverage for jewelry, guns, collectibles, ATV's, musical instruments and art; coverage for sewer backup; and equipment breakdown coverage and much more.
Choosing Your Car And Finding The Proper Coverage
We know it's often hard to figure out how to determine what type of car you should get and what type of benefits roll along with it, but now it's easier than ever to determine what to get.
When trying to decide on your purchase of automobile insurance or any other insurance, you should ask yourself these questions:
If my property is damaged or stolen, how much of my property can I afford to lose?
How much would it cost to replace my property if it is damaged or stolen?
If I am sued by someone who has suffered injuries due to my carelessness, how would I pay the legal costs and possible damage awards?
Go through these steps carefully to learn how you can protect yourself against these and other risks. Get all of the facts and think carefully before buying. Don't rush into purchasing the first insurance coverage you have quoted, ask for a couple different coverage amounts to be quoted. You might be surprised how little the cost may be just to increase your coverage by $10,000 or $15,000.
What if . . .
What would you do if you were involved in an auto accident? Are you property covered? What if you injure or
kill someone, or damage someone else's property or maybe just damage your own car. With Missouri's Motor
Vehicle Financial Responsibility Law, if you are found legally responsible, you will be required to pay for the other person's injuries and damages. If you are unable to pay, you can lose your driving privileges or even risk a criminal conviction with time in jail. You and your family will have to live with the consequences of your decision if something was to happen.
Most drivers in Missouri rely on automobile liability insurance to prove they are financial responsible. By having automobile liability insurance, it protects you from paying a large amount of money at the time of an accident if the accident is your fault - and it also protects the victims against their losses. Besides liability and uninsured motorist insurance, you also might want to think about getting insured against theft or even physical damage to your car caused by collision, fire, theft, wind or hail.
It's The Law
If you own or operate a motor vehicle in Missouri, you are required by law to insure that automobile with coverage for injuries you cause to another, for at least $25,000 per person, $50,000 per accident, and $10,000 for property damage. The Department of Revenue is now tracking drivers to make sure they keep their liability insurance policies in force. If you let your coverage lapse you will be subject to suspension of the vehicle's registration and possibly your driver's license. To find out more about insurance requirements in Missouri, visit the MO Department of Insurance website at insurance.mo.gov.
Never Misplace Another Insurance Card
If you have trouble keeping your insurance information organized, you’re not alone. To help keep track of your coverage information and insurance cards, the Missouri Department of Insurance created the Mo2Go Wallet, an application that stores insurance documents and information on a smartphone.
After a disaster strikes, you may not immediately think about where your insurance documents are located. Sometimes the information can be lost or destroyed in a disaster. The Mo2Go Wallet has a user-friendly interface that will help you save pertinent insurance information onto your phone.
Now you can snap photos of your insurance cards, save your insurance company’s and agent's contact information and store all of your insurance information in one place. The Mo2Go Wallet also will let you share your insurance information through text message and email. For example, parents can use the app to text insurance cards to their children who may be away at school. You can also email pertinent insurance information like insurance cards to your medical provider right from your phone.
The department does not store or have access to any of your insurance information in the Mo2Go Wallet; the information is saved and stored directly onto your phone. The app will help you organize your insurance information by four common types of insurance - auto, home, health and life insurance. Visit insurance.mo.gov/mo2go/ for more information and to download the Mo2Go Wallet App.
Farming is a major source of income for a lot of families in our area.
MPCI coverage provides protection against low yields and poor quality as well as prevented planting, late planting
and replanting costs for most crops.
Hail is the one catastrophe that is most likely to completely destroy part of your crop while leaving the rest
untouched. In many instances, a hail-damaged part of your crop ends up being less than the deductible of your
Yield Protection or Revenue Protection policy. You may want to consider crop hail insurance to fill that gap.
Call us today to find out more about MPCI and Crop Hail. We have multiple companies to offer.
There are many different types of policies and coverage options we offer.
Just give us a call today to see how we can meet your needs.