Blog

Will my auto insurance policy cover a rental car?

August 10th, 2012

First, if you are renting a vehicle that is larger than a pickup truck, the answer is probably not.  You also need to be inside the United States or Canada to expect any coverage.  If you rent a car in your own personal name, and then use it for business purposes, any coverage from your…Read More

HAIL DAMAGE IN ST LOUIS

May 2nd, 2012

The April 28th hail storm is the worst hail storm the St. Louis area has received since April, 2001 (which at the time was the largest insurance payout in the history of Missouri). Damage to your car:  Expect complications getting a rental vehicle while yours is in the shop, as Enterprise and other local providers…Read More

Homeowners Insurance: What if water enters my home from the ground level or seeps through my basement walls?

February 28th, 2012

Your homeowners insurance will deny the claim…always.  Homeowners insurance policies exclude water damage, when the water has entered the house from the ground or surface level.  Water seeping through basement walls is typically categorized as entering from the ground level.  Surface or gound level water is more or less the definition of “flood” in the world of…Read More

DO YOU HAVE AN IN-HOME BUSINESS? YOU MAY HAVE ONE & NOT EVEN KNOW IT, AND NOT BE COVERED BY YOUR HOMEOWNERS INSURANCE.

January 30th, 2012

What is an in home business? According to the Insurance Service Office’s latest policy, if you make $2,000 a year or more at a venture or hobby–that’s a business. So…if you make $2,000 through the year selling on E-Bay or Craig’s List is that considered having a “business?” Yes, it is. In most cases, having…Read More

Homeowners Insurance: Do You Have Children That Use Facebook? Make Sure You Are Covered!

January 17th, 2012

Libel and slander can lead to huge devastating lawsuits.  Many people believe that they have no chance of doing this on purpose or accidentally to someone else.  This may be true, but what about your teenager?  What they post on Facebook could be consider libel or slander, and if you find yourself at the wrong…Read More

Tip on Avoiding Homeowners Insurance Claims

January 16th, 2012

Every year water damage accounts for a huge percentage of homeowners insurance claims.  One of the best ways to avoid a large water damage claim to your home is to familiarize yourself with the water shut off valve for your home.  Many people know exactly where this is in their home, but many do not.  Having…Read More

Homeowners Insurance and Your Jewelry

January 12th, 2012

Most people believe that if they lose a valuable piece of jewelry, their homeowners insurance will cover the loss.  Unless you have purchased extra coverage, your homeowners insurance policy will not cover lost jewelry, in most cases. If you have jewelry that you want covered by insurance, it is important to review this subject with…Read More

Most Homeowners Insurance Companies to Increase Rates in 2012

January 11th, 2012

Missouri has been hit very hard by stormy weather in the last twelve months, including two tornados hitting St. Louis, one in Sedalia, and one of the most horrific on record hitting Joplin. In addition to the tornados, there have been tens of millions of dollars of damage from other hail storms throughout the state….Read More

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