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

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!

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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!