Auto Liability Insurance Limits

If you are purchasing Auto Liability Insurance in Missouri, we have some advice for you. Our customers ask us all the time what limits we suggest for Auto Liability Insurance.…
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What is an Uninsured Motorist vs Underinsured Motorist?

We get these questions a lot, and we’re happy to address them. Our customers want to know the difference between an uninsured motorist and an underinsured motorist. The first thing…
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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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Using Uber for Mardi Gras? Read This First.

Uber and St. Louis Mardi Gras Thinking about using the ride share service to help solve your transportation needs for your St. Louis Mardi Gras plans? Great idea. This is a…
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Health Insurance Lost? Open Enrollment Over? Here’s What To Do.

If You Missed Open Enrollment, You Might Still Qualify Open enrollment is over. So what happens if you lose your health insurance after open enrollment is over? You may qualify to…
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Affordable Care Act Penalties and Enforcement

In the year 2016, the Affordable Care Act penalties will be in full force. It will be a penalty of $695 per year, per adult, and half that per child.…
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Quick Thoughts on the Use of Drones and Drone Insurance

The holidays have come and gone, and very popular gifts were recreational drones. Drones and drone insurance are topics that many people are interested in so I asked some area…
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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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