Posts

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 www.weather.com 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 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

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:

http://www.nehrp.gov/library/plan_prepare.htm

http://www.fema.gov

http://earthquake.usgs.gov

http://www.ready.gov/kit

http://dnr.mo.gov/geology/geosrv/earthquakes.htm

http://www.redcross.org

http://www.nhc.noaa.gov

http://www.eas.slu.edu/Earthquake_Center

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.

Home Insurance Coverages St Louis Missouri

Avoid Potential Risks When Your Home is not Properly Insured

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

Have you been searching for the best ” Home Insurance Coverages St Louis Missouri “, and not quite sure what you need?  We know your home is most likely your most valuable asset.  There are many risks as a homeowner MJM Insurance® of St Louis City can help you avoid.  Risks questions we have heard from homeowners are, What if something happens to my home?  A fire?  A flood?  Vandalism?  Will your insurance policy actually pay for the damage?  Will it pay for ALL of it?

Other liability risks include getting sued by someone.  If a person is visiting your home and slips and falls, suffering serious injury, they have rights to sue you and your home insurance needs to have the right coverage to avoid the risk of losing your home and ruin your financial security.

For most people, insurance is confusing. They know they need to have insurance coverages 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 what to do about that.

MJM Insurance® of St Louis City can explain the various types of St Louis Missouri Home Insurance Coverages.  First, now all homeowner insurance is created equal.  In fact, almost none of it is.  There are thousands of different products out there, from hundreds of insurance companies. And your policy includes literally dozens of options and decisions you must make that determine how much insurance protection you actually have.  Your home policy is not a commodity.  It’s something tailored specifically to your needs and desires.

Six Primary Coverages That Are Included in Your Home Policy

Your home policy protects you in six primary ways.  You’ll find these listed on your policy’s “Declarations” page.  Here’s what they mean to you.

DWELLING

The word Dwelling in your home policy actually refers to your home itself.  It includes attached structures, such as an attached garage. The Amount of Insurance (Dwelling Limit) listing on your Declarations page indicates the maximum amount your insurance company will pay to replace your home if it’s destroyed by a covered claim. But, is it enough?

Don’t make the mistake, like many homeowners do, by thinking your homeowners insurance covers everything just because you have an insurance policy!  You must make sure your Dwelling Limit is enough to rebuild your home.  How?

Contact MJM Insurance® of St Louis City and one of our experienced agents can run a cost analysis that calculates the cost to rebuild your  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.

Some policies include built-in protection above the stated Dwelling Limit – usually a percentage of the Dwelling – just in case the estimate is too low. We will make sure to discuss this with you as an additional protection feature.  It’s probably worth having.

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, referred to as the “dwelling”.

Other Structures have their own protection limit – the most your company will pay to rebuild them – as stated on your Declarations page.  This limit will be significantly less than the dwelling limit … typically 10% – 20% of the dwelling amount.

For most people that’s plenty of insurance for other structures.  But not for everyone.  You need to know what it would cost to rebuild or replace those structures if they’re destroyed.  Discuss it with the licensed professionals in our office. You can buy more protection for your other structures if you need it.

PERSONAL PROPERTY

Your personal property is all your stuff – furniture, clothing, electronics, appliances, etc.  It, too, has its own protection limit stated on your Declarations page.  And, again, this amount is the most the insurance company will pay to replace your personal property. You can also add a Ryder to your insurance policy that will cover jewelry; so long as you have the proper documentation like

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?  The difference is huge!

In very basic terms, if your property is protected on a replacement cost basis the insurance company will replace your old stuff with new stuff.  For example, if your 5-year old TV is destroyed in a covered claim, the company will pay for a brand new TV.  That’s a good deal for you.

But if your property is protected on actual cash value basis, an “allowance for depreciation” is applied to the cost of a new TV based on the age of your destroyed TV.  The result is you get a settlement amount less than the cost of a new TV.  To buy a new TV you’ll have to come up with the difference out of pocket.  Not as good a deal for you.

Clearly, insuring your personal property on a replacement cost basis is a better advantage than actual cash value.  Sometimes it costs a bit more, but not always.  Make sure you know how your policy works and check the price both ways.  Make the right decision for you.

LOSS OF USE

If your home is badly damaged and 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 or staying in a hotel 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.

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.  Liability Insurance helps protect you against the financial burden arising from injury (or property damage) that you or your family may cause to other people. It typically even covers injuries whether they happen on or away from your property.

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.  However, more than that may be prudent, and you should discuss your needs and risks thoroughly with a licensed agent in our office.  Your current liability limit will be stated on your Declarations page.

MEDICAL PAYMENTS TO OTHERS

This pays medical bills for a guest who is injured on your property or in another covered claim.  The idea is to do the right thing for someone – pay their medical bills – and then hope they don’t sue you.  This protection is inexpensive, but could save you major hassles by preventing a lawsuit.

It’s What’s NOT Covered That Will Hurt You

Imagine your home is damaged by a vehicle crashing through the garage.  You call your insurance agent to report the claim.  And then you hear the worst news possible, “I’m sorry.  That’s not covered by your policy.”  Now, you have a real problem.

The unfortunate truth is no insurance policy covers you for everything that could possibly happen to you or your property.  However, with a little bit of understanding you can make sure you have the protection you want … and make sure your claims get paid by the insurance company.

BEWARE: IT’S NOT ALWAYS COVERED

Just because you have an insurance policy that doesn’t mean your home is covered for everything.  Your home insurance policy doesn’t cover you against every “cause of loss”.  What’s that?  Fire is a cause of loss.  High wind is a cause of loss.  These are also known as “perils” in insurance terminology.

A standard home policy excludes many causes of loss.  That is, it does NOT protect you from certain perils – like earthquake, flood and surface water, termite damage and many more.  That means if your home is damaged by one of these excluded perils your policy will not respond.  You have no insurance against them.

If you want insurance against some of these perils, you can buy it … like earthquake or flood insurance.  However, some excluded perils are not insurable … like insect damage.  Be sure to discuss your policy exclusions with an agent in our office and buy the protection you really need.  Don’t be caught by surprise after the damage is done.  It’s too late to buy insurance then.

SPECIAL LIMITS ON PERSONAL PROPERTY

As if your home policy wasn’t complicated enough already it includes “special limits” of protection for some of your personal property.  A “special limit” reduces the protection specifically available for certain types of property.

Home Insurance Coverages St Louis Missouri  | MJM Insurance® of St Louis City | (314) 645-2100Property subject to a special limit typically includes … property used for business … cash & coin collections … jewelry & furs … guns … silverware … and more.

Additionally, some of these special limits apply only if the property is lost or stolen – making things just a little more confusing.

For example, the standard home policy typically includes only $1,000 of protection for stolen jewelry.  If your $2,500 diamond engagement ring is stolen you’ll get only $1,000 from the insurance company.  Ouch!  And, if the stone falls out of the ring and is lost, there may be NO coverage at all!

The bottom line is it’s very important you fully discuss these conditions and special limits with your agent and buy the protection you need.  Otherwise, you could find yourself with a very nasty surprise … an unpaid claim!

CONDUCTING BUSINESS AT HOME

WARNING!  Your home policy has very strict limits and rules about business conducted at home.  The protection offered by your policy is severely limited if your claim arises from business activities.  Your business property has very little coverage.  And in some cases you may have no liability protection at all.

This is not something to take lightly and just assume everything will be fine.  Be sure to discuss your home business activities with a licensed agent in our office to make sure you’re still protected.

OTHER EXCLUSIONS AND OPTIONS

The standard home policy excludes protection for many reasobns.  But then the insurance company gives you an opportunity to buy some of them back.

Additionally, you have the option of increasing protection where you personally need it.

There are literally dozens of optional coverages available in your home policy.  Here are some of the more common options available to you.

Identity Theft – many home insurers now offer protection for Identity Theft in their home policies.  This will help pay the expenses you incur to restore your identity if it’s stolen.

Water & Sewage Backup – the standard home policy excludes damage caused by a water or sewage system backup.  You can buy this protection if you want it.

Ordinance & Law — pays the increased costs of repairing or rebuilding your home that are required to be build in accordance to current building codes. For example, your home has single-pane windows. After a loss, the local building department requires double-pane windows. This endorsement pays for the increased cost required by the new building code.  The cost for news windows could be substantial.

Packaged Endorsements – often times an insurance company will package the optional coverages people most commonly buy into a single endorsement.  That means for a lower price you can get several optional coverages added to your policy.

There are many more optional coverage and exclusion buy-backs your agent can explain to you. Its worth the time to spend with your MJM Insurance® of St Louis City agent o understand the coverages available to you and make good decisions about your protection.

St Louis Missouri Home Insurance Resources

For more information about Home Insurance Coverages for St Louis Missouri, visit The Missouri Home Insurance Guide .  Contact an MJM Insurance® of St Louis City agent to get a free assessment.

 

Home Insurance Agent St Louis MO | MJM Insurance®

If you have you been searching the internet for a “Home Insurance Agent St Louis MO,”  your search is over!  The agents of MJM Insurance® of St Louis City provide homeowners insurance and services by the top rated insurance carriers in the country.  We have the products to protect your home in cases of fire, theft, storms and more.

Whether you’re just starting out renting or buying a home, or you’ve built the home of your dreams, MJM Insurance® of St Louis City offers home insurance options that are right for you. We are your Home Insurance Agent of St Louis MO and can help you choose the best coverages to meet your needs.  From standard coverage options that provide basic protection for your home and property, all the way up to deluxe options that better protect your home’s value and assets like jewelry. You can even get coverage that protects you in the event of law suits or identity theft.  We also insure condos.

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

An MJM Insurance® Home Insurance Agent St of Louis MO will get you the coverage you want with the savings you need. Our professional agents have access to a variety of insurance carriers that offer Homeowners Insurance, Renters Insurance, Landlord Insurance, Condo Insurance, Mobile Home Insurance, Catastrophe Insurance and more.

Since moving into your house, you’ve probably purchased a number of valuable items. At the very least, your house probably isn’t empty. Thankfully, your homeowners insurance covers some portion of your possessions after a loss, such as a fire or burglary. But how much does it cover, and is it enough to replace your most treasured assets?  How much have you thought about your insurance protection? If you have not taken a recent inventory and assessed the replacement value of your daily use items, it’s time for a review.  MJM Insurance® of St Louis City agents have the tools and resources for you to take a proper inventory and make sure all the items are included.

Your basic homeowners insurance policy may not cover the replacement value of these items if they are destroyed or stolen. In this case, you may need to purchase a rider on your homeowners policy to cover these special items. Your local Home Insurance Agent St Louis MO can help to go over these items and the contents insurance needed to cover them.

MJM Insurance® of St Louis City is committed to outstanding customer service.  We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance® of St Louis City team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

Our “Home Insurance Agent St Louis MO” team is committed to professionalism.  Our dedication to superior client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance® of St Louis City have strong credentials and all of our policies are presented to you in a consistent and professional manner.

Home Insurance Agent St Louis MO | MJM Insurance® of St Louis City (314) 645-2100You can depend on us to solve problems quickly.  MJM Insurance® of St Louis City has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

Our agents have a strong work ethic and are committed to earning and maintaining your trust.  We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

Your search for “Home Insurance Agent St Louis MO” is over.  Welcome to MJM Insurance® of St Louis City.

 

Home Insurance Quote St Louis MO 63139

Coverage For Your Personal Belongings

Our Personal Insurance offerings also include insurance products and risk valuation services when you need Home Insurance Quote St Louis MO 63139. Home Quote | MJM Insurance® of St Louis City (314) 645-2100Our agents serve as your full service insurance providers for auto, home, boat, RV, motorcycle, and power sports to include life and annuities.  We have you covered throughout all aspects of your life to protect what matters most.  Because we offer a full line of insurance services, we can save you money with multi-policy discounts.  You will not get that benefit when you purchase your insurance coverages through multiple agencies.

Getting a Home Insurance Quote St Louis MO 63139 is simple.  Call one of our helpful staff or agents.  Have your home address, mortgage value and a good idea of the value of your personal belongings.  MJM Insurance® of St Louis City will also provide you with a home inventory checklist so that you may take a complete inventory of your personal belongings and make certain all your valuables are covered in your home insurance policy.

There are six levels of protection for your home.  Here is a list of the items you’ll find in your policy.  Complete details can be found on our homeowners page.

  1. Dwelling.  This is your home and attached structures, such as a garage.
  2. Other Structures.  These include structures not attached to the home, such as a storage shed.
  3. Personal Property.  This includes furniture, clothing, electronics, appliances, jewelry, etc.
  4. Loss of Use.  This coverage is important if you have damage to your home and you cannot live in it while it is being repaired.
  5. Liability Coverage.  This coverage pays if someone sues you for their injuries, on or off your property.
  6. Medical.  This coverage pays if a guest is injured on your property.

Homeowners Insurance policies in Missouri can be very different and have very different cost.  With hundreds of home insurance carriers and many different protection options, it is best to ask your agent for help making the decisions to be certain your personal belongings are protected.  MJM Insurance® of St Louis City agents have your interest in mind. The best homeowners insurance purchase decision is often made with the help of a professional insurance agent – and we are available Monday through Saturday.

MJM Insurance® of St Louis City has the Best Value and Customer Service agents with a combined high level expertise and relationships with top-rated companies and products that provide exceptional value to our clients.  Our trained, professional staff will do the research, analysis, and shopping for you.  You save time and money and get the best Home Insurance Quote St Louis MO 63139 for your protection.