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Auto Insurance Quote St Louis Missouri​

MJM Insurance of St Louis Missouri Enhances Insurance Quote Automation for Buyers

Instant Auto Insurance Quote | MJM Ins of St Louis City | (314) 645-2100Through a new auto insurance quote engine on our website, MJM Insurance of St Louis now offers the ” Auto Insurance Quote St Louis Missouri​ ” platform.  This platform provides instant auto insurance quotes from multiple carriers.  As an Independent Insurance Agency, our licensed insurance agents have access to more than 15 different personal and commercial line insurance carriers.  This new system makes shopping for insurance easier for the consumer.

Missouri Residents click here for direct access
to the new automated quoting system!

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St Louis MO Auto Insurance Quote

Valuable Protection at Your Speed and Budget

St Louis MO Auto Insurance Quote by MJM Insurance of St LouisMany of us are chasing time, where does it go?! We’re busy with work, picking up the kids, grocery shopping, and so on. When we sit down to pay the bills – we wonder where all the money has gone! MJM Insurance of St Louis can help you save time and money with our new online quoting system. In about 2 or 3 minutes our automated system will calculate your St Louis MO Auto Insurance Quote!

With this awesome software, you’re able to save time and find that you might be able to save money!   Our agents proudly represent many of the industry’s leading insurance carriers so we can offer you competitive rates through Travelers, Safeco, EMC, MetLife, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and dozens more.

After you process your quick quote, one of our agents will be in contact to help speed the process along.  Auto Insurance is not just a simple commodity, there are many factors to take into consideration and understand all of them can be overwhelming when making a decision about what car insurance policy and features are best for you.  Buying just any policy without fully understanding your risk and coverage needs could be a very costly mistake.  So, with your information, we take the shopping to the next level and finalize the coverages, and price that best meets your needs.  We will shop your auto insurance for you and save you time.  It does not cost more to have our professional assistance—we are likely to find the best coverage to meet your needs for a lower cost by shopping many top-rated companies.

St Louis MO Auto Insurance Quote

Auto Insurance prices vary for each individual, family, college student, professional, homeowner, etc. For example, people with good driving records pay less than a driver with traffic violations or collisions where they have been at fault.  Prices will also vary depending on where the driver lives.  A person who lives in a major city such as St Louis, will pay more than someone who lives in a small town, despite the two having the same driving records.  

St Louis MO Auto Insurance Quote by MJM Insurance of St Louis by MJM Insurance of St LouisMJM Insurance of St Louis is a full service independent insurance agency representing many of Missouri’s premier personal and commercial insurance carriers. With a combined experience of over 70 years in the St Louis Missouri insurance industry, our agents are knowledgeable and competent specializing in Missouri Auto Insurance, Home Insurance,  Renters Insurance, Business Insurance, Workers Compensation Insurance, boat and motorcycle insurance.

You can trust that our agents have strong credentials and stay on top of current trends in the insurance industry.  We maintain relationships with insurance carriers, that allow us to provide quick turnaround time on all your questions, needs, and insurance claims.  

MJM Insurance of St Louis is committed to outstanding customer service.  We pride ourselves knowing that we offer the best insurance products at an affordable price that meets your needs. Our professional agents can handle your transactions with ease and help you understand your risks, the proper coverage, and benefits. 

Our staff members are trained to be proactive and provide the right answers, helping you understand your auto insurance coverages. Most importantly, we will earn your trust by becoming your partner. 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.


Why Choose MJM Insurance of St Louis

We’re 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 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.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance of St Louis have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

MJM Insurance of St Louis 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.

We’re 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.

Where to Learn More About Auto Insurance in St Louis Missouri

MJM Insurance® of St Louis City Is Here To Help!

Where to Learn More About Auto Insurance in St Louis Missouri | MJM Insurance® St Louis City | (314) 645-2100There are many insurance companies and optional coverages to choose from, it can be overwhelming trying to find where to learn more about auto insurance in St Louis Missouri.  The professional agents at MJM Insurance® of St Louis City are ready to help.

When you search “ where to learn more about auto insurance in St Louis Missouri” on the internet, there are about 3,500,000 results!  That’s a lot of information to sift through!  Then you ask yourself, maybe I need to talk with an expert.

When searching where to learn more about auto insurance in St Louis Missouri,  state insurance departments are the best sources for company and agent licensing information.  The Missouri Department of Insurance is a valuable resource for consumers.  Here you can find laws & regulations, find forms and find a reputable insurance company.

The Missouri Department of Insurance also offers detailed information about companies regulated by The Missouri Department of Insurance, Financial Institutions and Professional Registration (DIFP).  Here you can also verify that an agent or company is in compliance with running a business and their agents are licensed to sell insurance.  You can also subscribe to DIFP’s newsletter that is chocked full of information for the consumer.

When searching where to learn more about auto insurance in St Louis Missouri, be sure to investigate the company.  Some of the things you should be looking for is how much business the insurance company produced last year and if they’ve had any complaints.  You can also find reviews online when researching on Google and FaceBook.

Don’t waste your time searching, call MJM Insurance® of St Louis City!  We are the best place to learn more about auto insurance in St Louis MO.  Our expert agents are here to help you!

MJM Insurance® of St Louis City takes pride knowing our professional staff provides exceptional service and value to our clients.  We combine years of experience, top-rated companies and products to provide you with accurate information while shopping for you. You save time and money and get the best value for your St Louis Missouri insurance needs.

Our agents take time with you to help you understand your coverages and potential risks by not having the right coverages.  Look no further, MJM Insurance® of St Louis City is where to learn more about auto insurance in St Louis Missouri.  Contact us today for your free assessment.

How To Buy Auto Insurance In St Louis City Missouri

Its Easy!  Visit Our Automated Quote Service Or Call Us Today!

How To Buy Auto Insurance In St Louis City Missouri | MJM Insurance® of St Louis City | (314) 645-2100Unfortunately, not many people know how to buy auto insurance in St Louis City Missouri, to get the best coverages at the lowest price. Well, MJM Insurance® of St Louis City has fixed that problem!  Our new auto insurance quote engine is the easiest way to find coverage and retrieve auto insurance quotes from multiple carriers, in a short amount of time!  As an Independent Insurance Agency, MJM Insurance of St Louis City represents many of Missouri’s premier personal and commercial line insurance carriers and this new system makes shopping for insurance easier for the consumer to get multiple quotes at one time.

Click here to access the automated system.

MJM Insurance of St Louis City offers competitive rates through Travelers, Safeco, EMC, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and many more.  Enhancing the quote automation for buyers makes the process to shop and receive auto insurance quotes from multiple carriers quick and easy.

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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.

Insurance Agency St Louis Missouri

Finding Best Insurance Agency That Meets Your Needs

Insurance Agency St Louis Missouri | MJM Insurance® of St Louis City | (314) 645-2100If you have been searching online for “Insurance Agency St Louis Missouri” and are ready to take the next step, consider speaking with our professional agents with MJM Insurance® of St Louis City insurance agency. You may have seen the terms independent insurance agencies, captive agencies. and so forth.  We are going to explain the difference, and why you should visit the independent insurance agency – MJM Insurance® of St Louis City.

When you are searching for “Insurance Agency St Louis Missouri” remember to select an agency with agents who have been licensed for longer than a few years–our agent staff has a combined experience of over 60 years in the insurance industry–they are knowledgeable and competent.  Our agency requires all staff to maintain their credentials so we are always up to date on the many changes within the insurance industry.  It is imperative to select an agency with up to date license. The Missouri Department of Insurance explains the agency requirements. Our agents’ license is proof they we have passed state examinations that require a thorough understanding of insurance policies and practices.  Rest assured, MJM Insurance® of St Louis City insurance agency upholds to these standards.

Our agents at MJM Insurance® of St Louis City insurance agency will inform you about the types of policies available and how you can best protect yourself. We are available 24-hours a day to assist you with any concerns you may have, filing claims and making sure your claims are settled promptly and fairly.

MJM Insurance® of St Louis City is a full service Independent Insurance Agency representing many of Missouri’s premier personal and commercial lines Insurance Agency St Louis Missouri | MJM Insurance® of St Louis City | (314) 645-2100insurance carriers.  We assess risks and shop for companies to find the best coverage for the lowest price. With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent specializing in automobile, homeowners, renters, boat, motorcycle, business automobile, workers compensation, and general liability.

We serve all of Saint Louis City and County including Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton.  Our professional insurance agents at MJM Insurance® of St Louis City can help you get the best value for your fundamental insurance needs.

The next step is to determine what type of services you need that your agency can offer.  Are you just looking for auto insurance?  Did you consider renters insurance or a homeowners policy?  Our agency can shop many carriers for you and get you the best rate, with combined policy discounts.  Is that not the type of agency you want to hire for your insurance needs?  Keep in mind that one advantage of working with a single agent for all of your insurance needs may be that any gaps in your coverage will be readily identified.

MJM Insurance® of St Louis City will:

  • Take time to clearly explain your policies and coverage.
  • Review your insurance needs annually to see that your policies are adjusted to changing circumstances.
  • Examine your overall insurance picture when you are considering additional coverage.
  • Explain how your premium rates are determined, and suggest ways you can save money on your auto insurance.

MJM Insurance® of St Louis City promise:

  • Give you excellent service and competitive prices, because agents can access the insurance coverage from multiple companies;
  • Assists you when you have a claim;
  • Is your consultant, working with you to help explain the different types of insurance and determining your unique needs;
  • Offers you a choice of insurance plans and programs;
  • Is a “value hunter,” who looks after your pocketbook in finding the best combination of price, coverage and service;
  • Offers one-stop shopping for a full range of products, such as home, renters, auto, and business insurance; and
  • Can periodically review your coverage to keep it current.

One stop shopping — home, auto, boat, life, health

  • Premium discounts for multiple policies
  • Only one agent to deal with for all claims
  • Coverage limits should be consistent across your policies
  • Any gaps in coverage should be identified and filled

As your independent agent, our job is to help you select the best coverage and limits and with the most competitive premiums from a variety of the insurance companies we represent.  MJM Insurance® of St Louis City is committed to the Trusted Choice® Pledge and we pride ourselves on the fact our clients trust the staff and licensed agents of our firm. Year after year, our team continues to review, improve, and renew our products about the agency; in addition to maintaining relationships with our valued carrier partners.  Our exceptional efforts and commitment ensure our clients’ fundamental insurance needs are met completely, competitively, proudly and locally by the staff at MJM Insurance® of St Louis City.

So If you have been searching online for “Insurance Agency St Louis Missouri” and are ready to take the next step, consider speaking with our professional agents with MJM Insurance® of St Louis City insurance agency.  Call (314) 645-2100.

 

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.

 

Auto Insurance Quote St Louis MO 63139

MJM Insurance® of St Louis City is a full service Independent Insurance Agency

Representing many of Missouri’s premier insurance carriers, MJM Insurance® of St Louis City can provide you with the best Auto Insurance Quote St Louis MO 63139.  Serving all surrounding counties including Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton.  Our professional insurance agents at MJM Insurance® of St Louis City can help you get the best value for your auto insurance needs.

Auto Insurance Quote | MJM Insurance® of St Louis City MO 63139

We proudly represent 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. MJM Insurance® of St Louis City agents are available for after hours appointments and Saturdays. We are dedicated to providing the most exceptional and timely customer service.

The best car insurance purchase decision is often made with the help of a local, professional insurance agent. Insurance protection is different for every driver and each type of vehicle. For example, people with good driving records pay less than a driver with traffic violations or collisions where they have been at fault.  Prices will also vary depending on where the driver lives.  A person who lives in a major city – for example St Louis, New York, Chicago or Los Angeles – will pay also pay more than someone who lives in a small town, despite the two have the same driving records.  For more information visit Alternatives Insurance® of St Louis City or call to get the best Auto Insurance Quote St Louis MO 63139.

MJM Insurance® of St Louis City is committed to outstanding customer service.  We pride ourselves knowing that we offer the best insurance products at an affordable price that meets your needs. Our professional agents can handle your transactions with ease and help you understand your risks, the proper coverage, and benefits.

Our dedication to 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 stay on top of current trends in the insurance industry.  We can find the best Auto Insurance Quote St Louis MO 63139 can offer.

MJM Insurance® of St Louis City has strong relationships with insurance carriers, allowing us to provide quick turnaround time on all your questions, needs, and insurance claims.  We train our staff members to be proactive and provide the right answers, helping our customers understand their insurance coverages.

Trust is the most important attribute in our agency.  We earn your trust by becoming your partner and ensure we listen to our customers and provide top notch service. 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.