What is Premises Liability Insurance?

Anyone entering your property has the right to expect a safe environment. Including homeowner’s, tenants, landlords or anyone else. It’s the responsibility of the property owner or tenant to provide…
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How to Lower Your Homeowner’s Rates

What are some strategies to lower my Homeowner’s rates? We occasionally get calls from people concerned about their homeowner’s rates. Fortunately, we can make minor changes to your account that might…
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How to Prevent Pipes from Freezing

Frozen pipes are not usually a huge problem in St. Louis, but it occurs often enough. It can cause so much damage that it pays to prevent your pipes from freezing.…
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Lateral Sewer Line Collapsed? What You Should Do.

Are Lateral Sewer Line Collapses Covered by my Homeowners Insurance? The most used answer given by insurance agents is: Maybe. We have seen the sewer lateral line covered by a…
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Insurance Coverage for a Flooded Basement

Last month in St. Louis we had a three-day period where it rained incessantly. A lot of our clients had water backing up into their basements. We’ve complied the list…
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Functional Replacement Cost

What is Functional Replacement Cost? Under certain circumstances a Replacement Cost policy, which requires the insured to insure their home for its full replacement is not practical due to the disparity…
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How to Winterize Your Vacant Home

This article is brought to you by one of our partners, Travelers Insurance. If you have to leave your vacant at any time during the winter, there are several things…
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Earthquake Insurance – Can I buy It In St. Louis?

Earthquake Insurance When you think of earthquakes, and earthquake insurance, most people don’t immediately think of the St. Louis area. The last earthquake to hit the St. Louis area was…
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14 Fireplace Safety Tips You Need Before Christmas Vacation

It is officially cold enough in St. Louis to fire up your fireplace. Everybody loves to cozy up around the fire, and we want to make sure you are being…
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Is Granule Loss On My Shingles Considered Hail Damage?

Is Considered Hail Damage Granule Loss? As the we enter into “hail season,” we want to make sure our customers are prepared with all the information they need if they…
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