Here are examples of some common
insurance questions. If there are any other Questions and Answers you'ld like to see on the website let us know.
Q: What is a homeowners policy?
A: A homeowners policy is an insurance policy that helps to protect your home against
damages caused by fires, theft and floods (if you carry flood insurance) or other damages or injuries. If you receive
damages covered by your policy, the insurance company will reimburse you for a portion of the damages or all of
them depending on your choice in policy coverages, and you would pay a agreed upon deductible for the claim.
Q: Are all policies alike?
A:
No, there are a number of different policies and it is important to choose the one that is right for you. Talk to your agent,
let them know what your needs are and let us help you find the best available coverage to fit your financial needs. No
one has the same insurance needs, so it's important to tailor each client with the correct policy for them.
Q: Are all types of insurance required?
A:
Many are, but not all. Check the insurance laws for the State of Missouri for specific information on your situation. You
are of course required to carry Auto insurance (at least Limited Liability coverage if your car has been paid off), Homeowners
insurance (if you own your home) and General Liability and Worker's Compensation Insurance if you own your own
Business. Other insurance is required in certain situations so be sure to check. We have a link posted on this page to the
Missouri Department of Insurance which may be helpful to you.
Q:
Are all Insurance carriers the same?
A: No, although many carriers so have similar
policies, they all have their own individual requirements for coverage. For instance: Some carriers base your premiums on
how good your credit rating is, and some base it on just what your asking coverage for or your driving record, or all the
above. Check with us or each individual company regarding their policies and procedures if you have any questions.
