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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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St Louis Missouri Auto Insurance Agent

St Louis Missouri Auto Insurance Agent | MJM Insurance of St Louis City | (314) 645-2100

If you have been searching online for “St Louis Missouri Auto Insurance Agent”,  your search is over!  MJM Insurance® of St Louis City opened in 2007 as a full service Insurance Agency in StLouis City Missouri. The agents of MJM Insurance® of St Louis City are fully licensed and comply with the Missouri Bureau of Insurance requirements.  Once a person receives a license they must comply with continuing education requirements.  Our Auto Insurance Agents in St Louis MO are required to maintain education requirements and complete courses approved by the Missouri Insurance Department.  All of our agents throughout the company are compliant and ready to work for you.  We serve all of St Louis City, Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton.

So–if you are looking for an Auto Insurance Agent near St Louis Missouri, you need look no further.  Our Agents are dedicated to providing every client with St Louis auto insurance coverages that are tailored to fit their individual needs. We provide the tools and resources necessary to help you understand your options.  MJM Insurance® of St Louis City 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.

MJM Insurance® of St Louis City agents are advisors you can trust.  We have access to the best insurance carriers in the industry; purchasing insurance through your local independent agents is the best way to shop for auto insurance. Good insurance advice is crucial to your financial security. A local Auto Insurance Agent in St Louis MO who partners with some of the best insurance carriers in the country can offer insurance choices and options from a variety of companies—not just one. We are committed to being your advocate during times of need.

Top three benefits of using an MJM Insurance® Auto Insurance Agent in St Louis MO:

  1. Personal service
    Agents are trained to assess your needs, offer unbiased advice and support you should the unexpected happen.
  2. Peace of mind
    Your auto insurance agent is a member of your local community and can handle your full range of insurance needs all in one place.
  3. Value
    Your independent agent can access insurance coverage from multiple carriers – such as AAA, Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend and Chubb –  to provide you with the best mix of savings and pricing.

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 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.

You 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.

 

MJM Insurance® of St Louis City is a full service Independent Insurance Agency representing many of Missouri’s premier personal and commercial lines insurance carriers.  We assess risks and shop for companies to find the best coverage for the lowest price.

So if you have been searching online for “St Louis Missouri Auto Insurance Agent”,  your search is over!   Call MJM Insurance® of St Louis City (314) 645-2100.

Business Insurance Coverages St Louis Missouri

Business Insurance Basics

Business Insurance Coverages St Louis Missouri | MJM Insurance® Of St Louis City | (314) 645-2100Business Owners often combine a number of insurance coverages into a package that is sold as a single policy. Many business owners shop online for Business Insurance Coverages St Louis Missouri and find the most common policy for small businesses is the Business Owners Policy (BOP).

The BOP combines coverage for all property and liability insurance risks as well as many other coverages into one package policy suitable for most small businesses. The BOP is an efficient way to provide the commercial insurance coverage that most small businesses need.  The term “BOP” specifically refers to insurance policy language developed by experts at ISO. ISO is a leading source of information about property/casualty insurance risk in a broad spectrum of commercial and personal lines of insurance.

The BOP includes business income insurance, sometimes called business interruption insurance. This compensates a business owner for income lost following a disaster. Disasters typically disrupt operations and may force a business to abandon the location. Business income insurance also covers the extra expense that may be incurred if a business must operate out of a temporary location.

To cover specific risks related to a business, a variety of additional coverages may be added to the basic BOP. For example, if a business has an outdoor sign, the BOP doesn’t cover it unless coverage is specifically added for an additional premium. If a business functions as a restaurant, the owner can add coverage for food spoilage and extra expenses in the event the ability of the business has be hindered.

Only small- to medium-sized businesses that meet certain criteria are eligible for a BOP. MJM Insurance® of St Louis City agents will look at the size of the premises, the required limits of liability, the type of business and the extent of offsite activity. Premiums for BOP policies are based on those factors plus business location, financial stability, building construction, security features and fire hazards.

Major Coverages

Most small businesses need to purchase at least the following four types of insurance.

Property Insurance

Property insurance will reimburse a business if the property used in the business is lost or damaged as the result of various types of common perils, such as fire or theft. Property insurance covers the building or structure,personal property, like office furnishings, inventory, computers and other items that a business needs to operate at full capacity. MJM Insurance® Of St Louis City can help business owners determine the best policy that meets their needs.  For example, property insurance may include coverage for equipment breakdown, removal of debris after a fire or other destructive event, some types of water damage and other losses.

Business Liability Insurance

Business Liability Insurance covers a business owner if the business is sued.  Customers may claim the business caused them harm as the result of a defective product, or bad service that resulted in property damages.  Other reasons a business may be sued is when a claimant may allege that the business created a hazardous environment. Business Liability insurance pays damages for which the business is found liable, up to the policy limits, medical bills, as well as attorneys’ fees and expenses.

Business Auto Insurance

A business auto policy provides auto insurance coverage only for autos owned by a business. The insurance pays any costs to third parties resulting from bodily injury or property damage for which the business is legally liable, up to the policy limits.

Workers Compensation Insurance

Workers’ compensation is a state-mandated, “no-fault” insurance system that pays benefits to workers injured on the job to cover medical care, part of lost wages and permanent disability. In return, employers receive immunity from civil lawsuits by employees over such workplace injuries. As a general rule, businesses with five or more employees must be covered. Contractors are excluded from this rule and must have workers compensation insurance with just 1 employee. It is important to note that Missouri law does not distinguish between employees of different employment statuses. The statutory definition of “employee” includes both full- and part-time employees, seasonal and even temporary employees.

Other Types of Business Coverages

Errors and Omissions Insurance/Professional Liability

Errors and Omissions Insurance is most common for businesses that offer advisory services, rather than a product.  Examples of these type of businesses are CPAs, Attorneys, those providing physical care, can all lead to being sued by customers, clients or patients claiming that the business’s failure to perform a job properly has caused injury. Errors and omissions or professional liability insurance covers these situations. The policy will pay any judgment for which the insured is legally liable, up to the policy limit. It also covers legal expenses when there has been no wrongdoing.

Employment Practices Liability Insurance

Employment practices liability insurance covers damages for which an employer is legally liable such as violating an employee’s civil or other legal rights. In addition to paying a judgment for which the insured is liable, it also covers legal expenses when there has been no wrongdoing.

Business Insurance Coverages St Louis Missouri | MJM Insurance® Of St Louis City | (314) 645-2100Directors and Officers Liability Insurance

Directors and officers liability insurance protects directors and officers of corporations or not-for-profit organizations if there is a lawsuit claiming they managed the business or organization without proper regard for the rights of others. The policy will pay any judgment for which the insured is legally liable, up to the policy limit. It also covers legal expenses when there has been no wrongdoing.

 

Key Employee Insurance

Life or disability income insurance can compensate a business when certain key employees die or become disabled. These coverages cushion some of the adverse financial impact that results from losing a key employee’s participation.

Umbrella Policies

A Business Umbrella Insurance policy protects you in a claim when your general business liability limits are exhausted, and you are faced with a lawsuit and potentially millions of dollars in liability exposure. As the name implies, an umbrella liability policy provides coverage over and above a business’s other liability coverages. It is designed to protect against unusually high losses.  If a company has employment practices liability insurance, directors and officers liability, or other types of liability insurance, the umbrella could provide protection beyond those policy limits as well.

Please give us a call at (314) 645-2100 and have your insurance policy information ready. Our Commercial Insurance Specialist will obtain the information to begin working on your no obligation risk assessment and quote.

 

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.

 

Auto Insurance Agent St Louis MO

Auto Insurance Agent | MJM Insurance of St Louis City | (314) 645-2100

If you have been searching online for “Auto Insurance Agent St Louis MO”,  your search is over!  MJM Insurance® of St Louis City opened in 2007 as a full service Insurance Agency in StLouis City Missouri. The agents of MJM Insurance® of St Louis City are fully licensed and comply with the Missouri Bureau of Insurance requirements.  Once a person receives a license they must comply with continuing education requirements.  Our Auto Insurance Agents in St Louis MO are required to maintain education requirements and complete courses approved by the Missouri Insurance Department.  All of our agents throughout the company are compliant and ready to work for you.  We serve all of St Louis City, Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton.

So–if you are looking for an Auto Insurance Agent near St Louis MO, you need look no further.  Our Agents are dedicated to providing every client with St Louis auto insurance coverages that are tailored to fit their individual needs. We provide the tools and resources necessary to help you understand your options.  MJM Insurance® of St Louis City 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.

MJM Insurance® of St Louis City agents are advisors you can trust.  We have access to the best insurance carriers in the industry; purchasing insurance through your local independent agents is the best way to shop for auto insurance. Good insurance advice is crucial to your financial security. A local Auto Insurance Agent in St Louis MO who partners with some of the best insurance carriers in the country can offer insurance choices and options from a variety of companies—not just one. We are committed to being your advocate during times of need.

Top three benefits of using an MJM Insurance® Auto Insurance Agent in St Louis MO:

  1. Personal service
    Agents are trained to assess your needs, offer unbiased advice and support you should the unexpected happen.
  2. Peace of mind
    Your auto insurance agent is a member of your local community and can handle your full range of insurance needs all in one place.
  3. Value
    Your independent agent can access insurance coverage from multiple carriers – such as AAA, Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend and Chubb –  to provide you with the best mix of savings and pricing.

Brian Jones:  Auto Insurance Agent St Louis MO | MJM Insurance of St Louis City | (314) 645-2100MJM 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 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.

You 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.

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.

ST LOUIS INSURANCE BLOG | MJM INSURANCE™ OF ST LOUIS

Thank you for visiting our St Louis City Insurance blog!trustedchoice-trans1

First, allow us to introduce ourselves….

MJM Insurance® of St Louis is a well established full-service insurance agency.  As an independently owned St Louis City insurance operation, our licensed agents have access to several A+ rated insurance carriers such as Safeco, The Hartford, Travelers, EMC, Progressive, MetLife, and dozens more. 

Our professional agents assess the risks and exposures the consumer may be facing.  Our goal is to shop insurance for the consumer – a/k/a “you!”  We shop multiple carriers and find you the best protection at the best price.  We’ll help save time and heartache trying to figure out which specific coverage goes with which type of risk.

The insurance products we offer include automobile, homeowners, business, power sports, life, and other specialty lines.  During the client risk assessment, our agents review coverage and compare how you’re currently protected, and provide recommendations about how you should be protected. The coverage includes liability, property damage, bodily injury, personal property, home and renters coverage, business liability, workers compensation, personal or business investments and much more.

So now you know!

It is our goal to ensure Missouri consumers are well-informed about insurance and protecting themselves and their families. Our agents offer the Missouri Insurance Blog to provide information and educational resources for drivers, homeowners, business owners and everyone in between!  This blog and our site are dedicated to providing Missouri consumers valuable information related to insurance products and risk management solutions. 

So why purchase your St Louis City Insurance from us?

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.