Auto and Homeowners Insurance

Auto and Homeowners Insurance Quote Forms

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Auto and Homeowners Insurance Information

What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. (You pay a known amount and the Insurance company pays the unexpected amounts)  

Auto insurance provides property damage, liability, medical coverage, rental car and roadside assistance:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
  • A rental car while your vehicle is being repaired.
  • You no longer have to by AAA, insurance companies now have some of the most comprehensive roadside/towing packages. 

An auto insurance policy is comprised of many different kinds of coverage. Missouri, Arkansas and Illinois require to minimal Liability and Property coverage.(Check with our licensed agent for those state and more) If you're financing a car, your lender will have requirements.

Most auto policies are for six months or a year. Renewal notices go out about three weeks prior to renewing. (This allows time to check rates with other carrier to insure you always have the best rate)

Why do you need auto insurance?
It's really all about protecting yourself financially and it's the LAW. 

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:    

  • What is the insurance company's AM Best Rating? (Financial Strength, we can only work with companies that have a B+ or better) 
  • What discounts are available? (Ask about claims free 3/5 year, multicar, good driver, multiple policy, driving school (Training) and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
  • How is yours's and your family's driving record.

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home, contents, other structures, loss of use, personal liability and medical coverage. You will find several types of homeowners policies such as  HO2, HO3, HO5 and HO8.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods' earthquakes and poor maintenance. You must buy a separate policy for flood coverage. Earthquake coverage can normally be endorsed to your homeowners in most state. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it or even pay off the loan.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses. (This could be a family member or any guest invited or not)
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not because each individual company we represent will have little tweaks to a standard form homeowners policy.

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Home replacement cost is rarely left to the Insured, most companies use some form of replacement cost guide, however it is your responsibility to insure that your agent has all the details to your home for proper coverage.)
  • Does the insurance company have a good AM best rating of B+ or better? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (When calling the agency direct, we do a warm transfer to your companies claims department.)