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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 [...]

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 [...]

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 [...]

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 [...]

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. [...]

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