Auto Insurance, Home Insurance, Business Insurance

Alternatives Insurance of St Louis City is now MJM Insurance of St Louis

MJM Insurance of St Louis now offers more competitive products and solutions for Missouri consumers, including Missouri Auto Insurance, Home Insurance, Business Insurance and Life Insurance.

Contact MJM Insurance of St Louis for more information (314) 645-2100 and click the image below to read the full article!


MJM Insurance of St Louis | Auto Insurance, Home Insurance, Business Insurance, Life Insurance | (314) 645-2100


The following article was published on a variety of networks including ABC, Fox and NBC. It has also been syndicated to news RSS feeds and announced within the most popular newsdesk databases.

Marc Majnerich, co-founder of Alternatives Insurance Group, is re-branding Alternatives Insurance of St Louis City to MJM Insurance of St Louis. Alternatives Insurance of St Louis City opened in 2002 as a full service independent insurance agency and a corporate location member of Alternatives Insurance Group, a group membership organization of local St Louis area insurance agencies founded in 1992. MJM Insurance as a whole, is the single largest annual net written premium volume agency of the Alternatives Insurance Group.

“Less is more” is the idea of the re-brand design concept. Less relates to narrowing down the available insurance products to a handful of key partners. More relates to reducing the number of carriers is a value-added benefit in that the agents and staff members are able to stay on top of current trends, stay educated and up to date on all represented carrier partner underwriter practices for each carrier that is represented by MJM Insurance of St Louis.

MJM Insurance of St Louis offers competitive products and solutions for business owners, including Missouri insurance products and risk management services from commercial property and casualty to insurance education and risk prevention resources. Consumer personal insurance products and risk valuation services are part of the full service solutions now offered by the MJM Insurance Group as a whole.

In addition to the new brand and eye catching design, MJM Insurance of St Louis has incorporated a customized Client Portal that allows clients to access basic policy information, quick link to the carriers and their insurance documents anytime. MJM Insurance of St Louis also offers a web based quote engine for Missouri consumers looking for instant personal lines quotes from Safeco, Travelers, The Hartford, Progressive, EMC, MetLife and several other A+ carriers. “Our use of technology allows us to have fewer staff members yet still provide the highest quality efficiency and properly service to our clients.”, reports Marc Majnerich, owner of MJM Insurance of St Louis.

“Get instant quotes or policy access, anywhere, anytime, any device. Over the next few years, I plan on reaching out to strong regional insurance carriers in order to fill voids. I think offering quality products to consumers which prefer buying from local independents and regional insurance carriers will become more and more common. Buying power will be shifting from baby boomers to millennials, and our goal to be prepared to communicate and offer technology based features as well as allow clients to dial our direct extensions with the push of a button or clicking their mouse. The new world of consumers simply want direct contact immediately or elect to no contact at all.”, says Marc Majnerich of MJM Insurance of St Louis.

MJM Insurance of St Louis City serves all of Saint Louis, Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton Missouri. MJM Insurance of St Louis is a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice Pledge.

Missouri Home Insurance and Tornado Preparations in St Louis MO

Wind. Hail. Storms. OH MY!

MJM Insurance of St Louis | Missouri Home Insurance | (314) 645-2100 Your safety is our number one priority – especially during tornado season. We’re going to cover Missouri Home Insurance and Tornado Preparations in St Louis MO.  No home can be made “tornado-proof,” but, homeowners can, and should, prepare for tornadoes ahead of time to improve the odds of their home surviving high winds by taking precaution.

Often times there is confusion between a tornado watch and tornado warning. A watch is issued when weather conditions are favorable for the development of severe thunderstorms that are capable of producing tornadoes, large hail storms and high winds. If severe weather actually does occur, a tornado warning would then be issued.  The Weather Channel offers free weather alerts. Click here to find out more.

Here are some ideas to help you prepare and protect yourself and your family:

  • Decide where your safe place is going to be.  An interior room, basement or local shelter.  When a tornado approaches, go there immediately. If you have no time to get to shelter, head to the center most part of your basement or home — away from windows and preferably under something sturdy like a workbench or staircase. The more walls between you and the outside, the better.
  • Become familiar with your community’s severe weather warning system and make certain every adult and teenager in your family knows what to do when a tornado watch or warning sounds.
  • Learn about your workplace’s disaster safety plans and similar measures at your children’s schools or day care centers.
  • Create a family plan in case you are able to move to a community shelter and identify escape routes from your home and neighborhood and designate an emergency meeting place for your family to reunite if you become separated.
  • Establish a contact point to communicate with concerned relatives. Keep in mind, when a tragedy hits a large geographical area, everyone is calling someone, or emergency departments from their cell phone.
  • Keep an emergency kit readily available.  Include a three-day supply of drinking water and food you don’t have to refrigerate or cook; first aid supplies; a portable weather radio; a wrench and other basic tools; a flashlight (there are flashlights with a wind up power source versus the need for batteries.  Consider extras like work gloves; portable lanterns; clothing; blankets; baby items.
  • Move anything in your yard that can become flying debris inside your house or garage before a storm strikes. Do this only if authorities have announced a tornado watch, however. If authorities have announced a tornado warning, leave it all alone.
  • Don’t open your windows. You won’t save the house, as once thought, and you may actually make things worse by giving wind and rain a chance to get inside.

A tornado can seriously impact many areas of your life – your home, your apartment, your car, your business!  Make sure you are protected all around!


MJM Insurance of St Louis | Missouri Home Insurance | (314) 645-2100 There are many ways to purchase Missouri Home Insurance.  For homeowners to make sure they have the right protection in place, policy holders should meet with a licensed insurance professional to review coverages.  MJM Insurance of St Louis recommends an annual review of your Missouri Home Insurance policy; because there are many choices in coverages, endorsements, discounts, etc…  it can be a bit overwhelming.

Home Insurance policies are rated by the insurance industry in tiers. This means the cost of your homeowners insurance policy can be  very different based off the risk of the home, value, location, etc.  Please understand, you’re not just buying a product;  you’re protecting your financial well being…and the choices you make could affect you for the rest of your life. For additional Missouri Home Insurance information click here.

MJM Insurance of St Louis’ motto is “Expect More. Receive More.”  We are a full service independent insurance agency who represents many of Missouri’s premier personal and commercial insurance carriers. With a combined experience of over 70 years in the Missouri insurance industry, our agents are knowledgeable and competent specializing in, not only home insurance, but also auto, renters, boat, motorcycle, business automobile, workers compensation, and general liability. With our utilization of cutting edge automation, we’re able to provide superior service to our clients including A+ rated insurance products.

So, let’s get together and review your homeowners insurance policy to make sure you have sufficient coverage to rebuild your life and home after a tornado. Report any property damage to your insurance agent or company representative immediately after a natural disaster and make temporary repairs to prevent further damage. For information about filing an insurance claim after a natural disaster, contact MJM Insurance of Fenton.

Here are a few link for you to become prepared, protect your family – including your pets!

MJM Insurance of St Louis | Missouri Home Insurance | (314) 645-2100

According to Tornado History Project, 47 tornadoes touched down in 2014!

Now is a good time to review tornado safety procedures – for home, for school, for work, in the car, and while you’re traveling.  And if you are considering a storm shelter, take a look at Tornado Project Online to learn more about shelters.

If you don’t regularly watch or listen to the weather report, but strange clouds start moving in and the weather begins to look stormy, turn to your local radio/television station or visit to get the weather forecast.

Remember, if a tornado “watch” is issued for your area, it means that a tornado is “possible.”  If a tornado “warning” is issued, it means that a tornado has actually been spotted, or is strongly indicated on radar, and it is time to go to a safe shelter immediately.

Call Us – We Are Here For You!


Source: Institute for Business and Home Safety. IBHS is a national nonprofit initiative of the insurance industry to reduce deaths, injuries, property damage, economic losses and human suffering caused by natural disasters.

Missouri Home Insurance and Tornado Preparations

Missouri Home Insurance | Avoid Damages to Your Home

Is Your Home Winter Weather Ready?

Missouri Home Insurance Coverages | MJM Insurance of St Louis City | (314) 645-2100Losses from snow, ice and freezing temperatures have averaged about $1.2 billion a year, and may be double that amount this year. This article provides useful tips for homeowners to keep in mind during the winter months. Missouri Home Insurance | Avoiding Damages to Your Home.

Upkeep on the Outside

  • Clean out gutters so melting snow and ice can flow freely. This can prevent ice damming, which is what happens when water is unable to drain through the gutters and instead permeates into the house.
  • Install gutter guards to prevent debris from entering the gutter and interfering with the flow of water.
  • Trim trees and remove dead branches. Ice and snow can sometimes become very heavy and could cause weak trees or branches to break free and damage your home.
  • Repair steps and handrails so that visitors on your property are safe and avoid injury.
  • Seal cracks and holes in outside walls and foundations to prevent cold air and moisture from entering your home.

Keep Your Pipes Warm!

  • Keep the house warm. Set the thermostat no lower than 65 degrees.
  • During super harsh cold weather, turn on faucets so that a trickle of water continues running through the pipes.
  • Check pipes. Look closely for the presence of cracks and leaks, and have them repaired immediately. Pipes in attics and crawl spaces should be protected with insulation.
  • Install an emergency pressure release valve in your plumbing system. This will protect the system against increased pressure caused by freezing pipes and can help prevent your pipes from bursting.
  • Add extra insulation to attics, basements and crawl spaces. If too much heat escapes through the attic, it can cause snow or ice to melt on the roof. Water then can refreeze, leading to more ice build-up—and even ice dams that can damage your roof.
  • Have a back-up power source. In the event of a power outage, continuous power will keep you warm and help to prevent frozen pipes, or a frozen battery operated sump-pump.

Missouri Home Insurance Coverages | MJM Insurance of St Louis City | (314) 645-2100

Keep on the Lookout for Water Overflow

  • Flooding related to melting snow can cause sewer systems to overflow; hence causing raw sewage to back up into the drains in your home. Some carriers offer water & sewer backup coverage.  This coverage is not part of the typical homeowners insurance policy, but may be purchased as an endorsement.
  • Sewer backup is NOT covered with flood insurance.Flood Insurance is a separate policy available from theNational Flood Insurance Program (NFIP).  Flood insurance covers floods from tidal surge and overflowing bodies of water.
  • Install a Backwater Prevention Valve. A backwater valve is a fixture installed into a sewer line, and sometimes into a drain line, in the basement of your home or business to prevent sewer backflows.

Maintain Your Fire Place & Wood Stove

Missouri Home Insurance Coverages | MJM Insurance of St Louis City | (314) 645-2100Remove combustible items placed near any hart sources. This includes wood stoves and space heaters.

Install smoke and carbon monoxide detectors. Not only do residential fires increase in the winter, but so does carbon monoxide poisoning—so check that your detectors are in working condition on a regular basis.

Have your heating systems serviced. Furnaces, boilers and chimneys should be serviced at least once a year to prevent fire and smoke damage.

So, What’s in Your Policy?

Most homeowners insurance policies have a deductible that the insured is responsible for paying. And if the claim exceeds the policy’s limits, the insured could be responsible for additional costs.  Licensed agents with MJM Insurance of St Louis City will review homeowner policies at no charge. Winter damage could cause insurmountable damage, so it is important to make sure the right coverages are in place.

It’s best to check your policy ahead of time, to make sure you know just what it covers, and what your coverage limits are.

Missouri Home Insurance Options – 2 Minute Video

Homeowners May Not Be Completely Protected

Most Missouri homeowners know that homeowners insurance covers the house they live in, maybe their shed and personal items.  But how many of them actually know what their house is worth, if the personal items replaced with “actual cash value”, do they have a complete inventory of their personal belongings?  There are many items to consider, which is why it is important to consult with a licensed agent with MJM Insurance of St Louis City.

Watch this short, 2 minute video and call to schedule your free consultation today.


Missouri Home Insurance Coverage Options

General Coverages and Customized Policies

St Louis Missouri Home Insurance | MJM Insurance® of St Louis City |(314) 645-2100MJM Insurance of St Louis City understands the various needs of Missouri homeowners, and can help homeowners understand the available Missouri Home Insurance Coverage Options.  Our agents offer complimentary reviews of the homeowner’s current policy and determine if the homeowners insurance coverages properly protects the individual and/or family with dwelling, personal property, other structures, liability, medical, and specialized insurance coverages.

Homeowners may know that their insurance covers the house they live in, maybe their shed and personal items.  But how many of them actually know what it would cost to rebuild their house after a disaster?  Homeowners should conduct a home inventory of their personal belongings and calculate current “actual cash value”.  There are many items to consider, which is why it is important to consult with a licensed agent with MJM Insurance of St Louis City.  Our licensed insurance agents will walk you through each step of buying homeowners insurance, so that you make the right decision for you and your family.

Missouri Home Insurance Coverage Options – Standard Policy

Section I – Property Coverages Section II – Liability Coverages

Coverage A – Dwelling

Coverage B – Other Structures

Coverage C – Personal Property

Coverage D – Loss of Use

Coverage E – Personal Liability

Coverage F – Medical Payments to Others

*No deductible


Read more

Earthquake Coverage | Missouri Department of Insurance

NEWS RELEASE: Missouri Department of Insurance Suggests
Homeowners to Review Their Eligibility for Earthquake Coverage

As Published on Dept. Of Insurance Blog

Missouri Department of Insurance |

Jefferson City, Mo. – The Missouri Department of Insurance is encouraging homeowners to check their insurance policies for earthquake coverage. Only three out of every 10 homes are covered in Missouri. That number drops to two out of every 10 homes in the New Madrid Seismic Zone.

The New Madrid area is the most active earthquake zone in the U.S. east of the Rocky Mountains. Most homeowners insurance policies do not cover earthquake damage. Separate earthquake coverage, called an “endorsement,” must be purchased.

“Having earthquake coverage is the best way to ensure you and your family, as well as our state, can recover from an earthquake,” said Insurance Director John M. Huff. However, the department’s 2015 Earthquake Report shows that Missouri is experiencing a coverage crisis.

“We have reached a critical juncture where the amount of uninsured property in Missouri will soon eclipse the amount of insured residential property, estimated at $101 billion. This could jeopardize our ability to fully recover from a major earthquake.”

Some homeowners may not buy coverage, expecting the federal government to help rebuild their homes should a major earthquake hit, Huff said. Under FEMA’s Individual Assistance program, the maximum grant award is $32,900, far less than what most homes are worth.

# # #

MJM Insurance of St Louis City is part of the Trusted Choice Network (314) 645-2100

Contact MJM Insurance of St Louis City to find out if your property qualifies for Earthquake Coverage. Give us a call! (314) 645-2100 Our agents will conduct a free assessment of your current policy and we will shop your insurance for you!  That’s right, simply provide your declarations page to an agent and we can process the assessment.  Our goal is to ensure you are properly protected.

Missouri Earthquake Insurance | It’s Time To Review Your Policy

Missouri Department of Insurance Suggests 

Homeowners Should Consider Buying Earthquake Coverage


Missouri Earthquake Insurance | St Louis MO  (314) 645-2100

According to an article published by the Missouri Department of Insurance, Financial Institutions & Professional Registration, many Missourians are having trouble getting Missouri Earthquake Insurance Coverage. Recent insurance data demonstrates that southeast Missouri is experiencing an insurance coverage crisis.

Click here to read the full article on Department of Insurance Website.

Contact MJM Insurance of St. Louis City today for a free insurance review and we’ll help you determine if you qualify for Missouri Earthquake Insurance.


Watch the earthquake preparedness videos created by Missouri school children!


Helpful Resources:

Where To Learn More About Home Insurance In St Louis MO

MJM Insurance® of St Louis City is the Place!

Where To Learn More About Home Insurance In St Louis MO | MJM Insurance® St Louis City | (314) 645-2100MJM Insurance® of St Louis City knows it is important to help home owners understand the options and how to best protect their family and assets in case of a loss.  Our agents are here to help business owners know where to learn more about home insurance in St Louis MO.

As a homeowner there is more to stake than just your mortgage. Homeowners are also responsible for personal injury as well.  If someone were to get injured while visiting friends, they could sue you for medical bills, loss of wages, etc.  MJM Insurance® of St Louis City can help you find where to learn more about home insurance in St Louis MO.

Not any homeowner policy is the same. Your policy includes literally dozens of options and there are many decisions you must make that determine how much insurance protection you actually have and/or need.  Your home insurance policy is not just a piece of paper that you think you’ll never use.  If disaster strikes you’ll be glad you are protected!

Read more

St Louis MO Home Insurance

Contents And Personal Property Insurance

St Louis MO Home Insurance | MJM Insurance® of St Louis City | (314) 645-2100You may think getting the right home insurance means just calling an agent, giving him your address, what year the home was built, and some details on the property is enough.  Getting the right St Louis MO Home Insurance is important to protect you, your family, and your home – if there is a loss.  Selecting MJM Insurance® of St Louis City is your best choice for licensed insurance agents who can provide you comprehensive homeowners insurance.

Think about your existing policy – did your agent come to your home and take photos?  What if you have an above ground swimming pool and it collapses, flooding your basement?  What if your neighbor’s tree falls on your home?   Do you have a record of the content in your home and how it is covered by your homeowners insurance?

It is imperative to discuss the above scenarios, and other areas about your property with your agent.  MJM Insurance® of St Louis City can help you identify items in, and around your home, that may, or may not, be covered.

First, if you own your home, contents or personal property insurance will be part of your overall house insurance policy. If you rent, it’s still important to get contents insurance as your landlord’s building policy will not cover your belongings  There are many options when it comes to insuring the contents of your home. Understanding the coverage you need and the pros and cons of the major insurers will help you get the best coverage for the best price.

Start by performing a proper valuation of your contents.  Take photographs, videos and make a complete list of your personal items.  Save receipts and/or record the dates purchased and the purchase price. It is important to have an estimate value of your belongings recorded with your insurance policy. If you combine contents insurance with a house policy, the contents portion is often valued at a percentage of the house value. If you do not establish a detailed valuation of your assets, it may leave you under insured or paying premiums that are too high.

The most common mistakes homeowners make are thinking their home insurance policy covers everything and do no seek the services of a professional insurance agent.  It is important to understand the limitations of your coverage. Regardless of the contents policy you choose, it may not cover every loss situation or every asset. Your MJM Insurance® of St Louis City insurance agent will explain the “exclusions or limitations” of your homeowners insurance policy and make so that you have any additional endorsement to ensure you are covered.

Expensive artwork, jewelry, and other “collectibles” may need to be insured separately. If you’re a collector of antiques or vintage items such as sports cards or antique glass, your collection will most likely not be fully covered under a standard contents policy. You may be able to obtain a rider on your policy to cover the collection, or you may have to obtain separate insurance for it. This is also true for large art collections and expensive jewelry. Business Insurance Coverages St Louis Missouri | MJM Insurance® Of St Louis City | (314) 645-2100 If the collection is worth several thousand dollars or irreplaceable, you should have the items appraised. The appraisal certificate will be required by the insurance company to verify the contents exist.  We recommend keeping all your paperwork in a safe location, so that they are accessible in the event of a loss.

Beware of the commercials that advertise “home insurance for as little as $$$ a month”.  These low-cost policies may only cover the minimum, leaving you at great risk. Don’t settle for cheap insurance and lose the proper coverage, customer service or timely claims payments. Your home insurance is going to be in place for a long time, so choose a company with a good reputation and a policy that meets your coverage needs.

With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent to find the best coverage for the lowest price.  MJM Insurance® of St Louis City proudly represents many of the industry’s leading national and regional insurance companies offering competitive rates through AAA, Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and dozens more.

Normal office hours are Monday – Friday from 9 am to 5 pm. Our agents are available for after hours appointments and Saturdays as requested.  We are dedicated to providing the most exceptional and timely customer service in the industry!

Home Insurance St Louis Missouri

Getting The Right Coverage

Home Insurance St Louis Missouri | MJM Insurance® of St Louis City | (314) 645-2100

So you bought a home, signed your life away, provided your mortgage company the insurance policy number – and now you’re all set.  Don’t think so fast!  Have you reviewed your homeowners insurance policy with your agent?  Do you know if you have adequate coverage?  Do you know if EVERYTHING is covered? MJM Insurance® of St Louis City will review your policy to ensure you have the proper Home Insurance St Louis Missouri can offer.

What if something happens to your home?  A fire?  A flood?  Vandalism?  Will your insurance policy actually pay for the damage?  Will it pay for ALL of it?

What if someone visiting you slips and falls and suffers a serious injury? And the injured party sues you?  An accident like that could be devastating to you and your financial assets.

For most people, insurance is a mystery. They know they need to have insurance for their homes (mortgage lenders require it), but they don’t understand the protection provided by the policy.  And, more importantly, they don’t understand what their policy does NOT cover and why.

Home Insurance St Louis Missouri | Coverages In Your Home Policy

Your home policy is designed to protect you by covering the dwelling, other structures, your personal property, loss of use, liability and medical payments.  The details for each of these coverages are outlined in your policy’s “Declarations” page. MJM Insurance® of St Louis City can review your Declarations Page and explain, in detail, what each coverage means for you and how you are protecting one of our most valuable assets.

1. Dwelling

The word Dwelling in your home policy essentially refers to your home itself.  It includes attached structures, as well … like an attached garage.  The Dwelling Limit (or Amount of Insurance) stated on your Declarations page indicates the most the insurance company will pay to replace your home if it’s destroyed by a covered claim.  Is it enough?

Contact our office and one of our agents can run a replacement cost estimate that calculates the cost to rebuild your particular home.  Be sure to adjust the amount of insurance for your dwelling appropriately.  If you don’t you may not have enough insurance to replace your home if disaster strikes.

2. Other Structures

The most common Other Structures are sheds, stand-alone garages (known as “detached” garages in insurance terms), barns, pool houses, etc.  These structures are not directly attached to your home, the “dwelling”.

Other Structures have their own protection limit – the most your company will pay to rebuild them.  This limit will be significantly less than the dwelling limit … usually 10% – 20% of the dwelling

3. Personal Property

Your personal property includes furniture, clothing, jewelry, electronics, appliances, artwork, etc. Your personal property limit is usually 70% – 75% of your dwelling limit.  However, you can adjust this upward if you need more protection,  Discuss your options with us. We’re here to help!

Regardless of the protection limit for your personal property, there’s a very important question you must get answered.  How is your property protected … on an “actual cash value” basis or a “replacement cost” basis?

4. Loss of Use

If your home is badly damaged you won’t be able to live in it while it’s being fixed or replaced.  That means you may have to pay rent somewhere while you’re also paying your mortgage.  The Loss of Use coverage on your home policy pays those additional expenses for you.

Your Declarations page may state a dollar limit for this coverage, or it may state a time limit.  If there is a dollar limit, this is the most the insurance company will pay for these expenses.  If there’s a time limit, your insurance will pay all covered expenses regardless of the amount but only for the specified period.

5. Liability

Your liability coverage pays if someone sues you for their injuries due to a covered claim.  When we think of such accidents we most commonly think of injuries that occur on your property – someone slips and falls, a dog bite, etc.  However, the liability protection under your home policy extends beyond your property to your everyday life.  For example, your home policy could also protect you if you knock someone over with a shopping cart at the grocery store

Liability insurance is all about protecting your assets from someone who sues you.  So, you should have at least as much liability insurance as your financial worth.

6. Medical

This pays medical bills for a guest who is injured on your property or in another covered claim.  This protection is inexpensive, and could save you major hassles by preventing a lawsuit.


To make sure you’re getting the best St Louis Missouri Home Insurance, contact one of our professional agents for a free consultation.