Name: Swartz Premier Group Insurance
Address: 208 West Rollins St, Moberly, MO, 65270
Telephone: 660-263-8900

Common exclusions on a renter’s insurance policy.

Posted on November 25, 2024November 22, 2024 by admin

When budgeting for a new apartment, it is essential that you also budget for the cost of renter’s insurance. Did you know that if there is a house fire at your rental, the landlord’s insurance coverage will only cover the home itself, not your contents within the home? At Swartz Premier Group Insurance in Moberly, MO, we have seen renters become very disappointed with this reality. So, we are here to spread the word about the necessity of renters insurance and what you can expect to cover with a policy.

A renter’s insurance policy will provide coverage for your contents in a covered peril that damages your rental home. You can get reimbursed for your personal belongings, compensation, and reimbursement while you are displaced from the house until it can be inhabited again. You can also get liability coverage to protect you financially if a visitor is accidentally injured in your home and has medical expenses. These coverages are excellent to have and cost as much less than a family night out to dinner in most cases (depending on how frequently you pay your policy premiums.

Policy Exclusions

Any renter’s policy has exclusions (things your renter’s policy will not cover). You must understand that renter’s insurance will not cover damage to the exterior of your rental home, such as damage to your roof or siding. In addition, a renter’s policy will not cover sinkholes, floods, and earthquakes, though you may be able to purchase additional coverage to protect against those perils.

Furthermore, a renter’s policy will not cover pest damage from ants, bed bugs, rats, and mice. Another common exclusion on a renter’s policy is damage from sewer lines that are backed up, nor will they cover the belongings of a roommate who is not listed as a named insured on the renter’s policy.

Lastly, your renter’s policy exclusions include normal wear and tear, losses that happened before you purchased your policy, or damage caused by a widespread power outage.

Give us a call today!

For more information about what you can cover with a renter’s policy and what is excluded, call us at Swartz Premier Group Insurance in Moberly, MO, at (660) 263-8900.

Should You Keep Your Motorcycle Insured in the Winter?

Posted on October 28, 2024October 23, 2024 by admin

If you’re in the Moberly, MO area, you’re probably not riding your motorcycle during the winter months. However, you may wonder whether you should maintain insurance during that time. Swartz Premier Group Insurance can help you answer that question and assist you in finding the right motorcycle insurance policy to protect you throughout the year. Having the right coverage is important, and we’re here to make that easier.

Consider Quotes from Different Insurers

By working with us, you can look at quotes from different insurers, giving you options to choose from. Regardless of which policy you choose, you’ll want to ensure you keep your bike protected all year round. This is why it’s recommended that you continue to insure it even in the wintertime. You may not be riding it, but it’s still at risk of issues such as theft or other forms of loss. When you want to keep it covered, insurance is the best option.

Choose the Right Policy in Missouri

We understand the importance of a quality policy and will help you decide which one is right for your needs. You may want to adjust the policy you already have on your bike, or you might benefit from a different policy offering increased options. Some policies allow for a change in coverage during the months your motorcycle is in storage, and we can help you find a policy that helps you feel confident with the type and level of coverage you choose.

Contact us today at Swartz Premier Group Insurance if you’re in the Moberly, MO area and looking for a motorcycle insurance policy. It’s a good idea to have your bike insured throughout the year, and we can help you find the best policy for that.

Insurance Protection for Commercial Machinery

Posted on September 30, 2024September 27, 2024 by admin

Ensuring your business machinery can protect the equipment your business depends on. The following tips will guide you through the process of adding commercial machinery to your current insurance policy.

Types of Machinery

Add valuable items your workforce relies on to your existing insurance policy. Any machinery used consistently runs a risk of damage over time. Mechanical parts may wear out, and machinery may be vulnerable to theft. Keep an inventory of the types of machinery you own, including the brand and model number of each piece of equipment you wish to add to your insurance policy.

Equipment Inspection

Next, get your commercial machinery inspected. The inspection will establish the current condition of your equipment. It’s best to insure equipment that’s functioning properly. Inspections might help identify mechanical or cosmetic issues that need attention. After servicing all the equipment and getting it in working order, you’re ready to list these items on your commercial insurance policy.

Storage Provisions

Decide on adequate storage for all your equipment. When not in use, it’s advisable to keep your machinery covered. Waterproof covers can serve this purpose. Consider using a storage unit to keep smaller machinery clean and dry.

Contact An Insurance Agent

Book an appointment with one of our agents at Swartz Premier Group Insurance. Agents serving the Moberly, MO region will gladly upgrade your commercial insurance policy upon request.

Talking to Aging Parents About Life Insurance

Posted on August 30, 2024August 27, 2024 by admin

Life insurance is an important way to invest in the future, but many families find it difficult to talk about. One reason is that life insurance is associated with death, which makes people sad and uncomfortable. Despite the discomfort of this topic, though, it’s necessary for adult children to discuss life insurance details with aging parents. Here at Swartz Premier Group Insurance, serving Moberly, MO, and the surrounding areas, we’d like to offer you a few tips on how to handle these conversations.

Be Compassionate

First, remember to be compassionate during these conversations, even if you’re feeling frustrated with the lack of information. Explain to your aging parents that you only want to have the necessary information available to you so that you can carry out their final wishes precisely. The less stressed you seem during these conversations, the more relaxed others may become.

Be Realistic About Expenses

You also want to have realistic discussions about expenses. It’s not a secret that everything costs more these days. It’s a good idea for adult children to know how much insurance policies cost so that they can evaluate final expenses realistically.

Talk About Adjustments

If policies need to be adjusted, it’s important to discuss that as well. Adjusting a policy now could save a lot of stress and heartache later on. The last thing anyone wants is to add more stress to their loved ones after their passing.

If you’d like to learn more about life insurance, please contact us today at Swartz Premier Group Insurance, serving Moberly, MO, and the surrounding areas.

Three Reasons to Review Your Home Insurance Each Year

Posted on July 30, 2024July 29, 2024 by admin

Your home insurance is a significant policy that can protect you from financial liability if a covered event occurs. When you first get your home insurance, the amount of coverage you need depends on your home’s value, the cost of materials to rebuild or repair, and more.

These costs can (and do) change regularly. Updating your insurance policy each year can help ensure you have the coverage you need when needed. The professionals at Swartz Premier Group Insurance servicing Moberly, MO can help. Below, we have listed three crucial reasons to review your home insurance each year.

1. Familiarity With Your Coverage

Reviewing your insurance policy helps you understand the contents of your policy. This familiarity can come in handy if you ever need to file an insurance claim. Knowing what’s covered and the limits of your coverage can assist you when deciding whether to proceed with a claim.

2. Update Your Coverage

The primary reason to assess your home insurance coverage is to update the coverage amounts if necessary. Updating your coverage helps ensure that if you ever need to rebuild your home or make significant repairs, you’ll have enough capital in your policy to cover those expenses.

3. Potential Savings

Include your insurance agent in the review process. Your insurance agent can inform you if new insurance products could save you money.

Is it time to review your home insurance policy? Contact Swartz Premier Group Insurance, servicing Moberly, MO. We’re here to answer your questions and help you decide if your policy meets your needs.

Is Your Car a Classic Car?

Posted on June 28, 2024June 28, 2024 by admin

You don’t treat a classic car like any other set of wheels. You don’t use an antique car for your morning commute, and you don’t use your muscle car to pick up the kids after soccer practice.

Neither do you insure your classic car like any other car. At Swartz Premier Group Insurance, serving all of Missouri, we find that our customers who want classic car insurance look for three things:

As classic cars only become more valuable with time, customers want to insure their cars for an agreed value.
Customers seek coverage for spare parts and related memorabilia.
Since classic car owners put quite low mileage on their cars, they prefer policies that account for this low usage.
Customers who take their cars to shows want coverage in the United States and worldwide.
A growing number of our classic car insurance customers seek unique medical coverage that insures against accidents at shows.

Do you own a classic car? Your car may be considered a classic if it is:

At least 25 years old or 20 years old with collectible value. Some companies factor in newer models like Corvettes and Ferraris.
Stored in an enclosed, climate-controlled garage.
Strictly limited in annual road miles (excluding transportation to and from shows),
It’s not your primary vehicle, meaning you have another vehicle or vehicle for daily use.
Not used for racing.

There are also other requirements for classic car drivers. You must have maintained a clean driving record for at least the last five to ten years. You must not have had an accident or a moving violation in the past three years.

If you own a classic car in Moberly, MO, or anywhere else in the state, let your agent at Swartz Premier Group Insurance review your policy to ensure you have the coverage you need. Call us today!

Is Condo Insurance a Good Investment?

Posted on May 31, 2024June 3, 2024 by admin

Condo living provides the perfect combination of community and amenities that many people crave. It’s a great way to simplify your housing arrangements and get many services, such as maintenance. However, condo renters still should consider investing in condo insurance. At Swartz Premier Group Insurance, serving Moberly, MO, and the surrounding areas, we want to help condo owners and renters make the best insurance choices. Let’s look at a few reasons why condo insurance is a good investment.

Peace of Mind

One of the main advantages of purchasing condo insurance is the peace of mind that it’ll provide for you. Although the condo management or owner will have insurance on the property, this type of insurance doesn’t provide any coverage for your personal belongings. It often doesn’t cover the interior of the condo, either. It’s your responsibility to get insurance coverage for these things. This way, if there is an event such as a fire or natural disaster, your possessions and the interior of your condo will be covered.

Future Financial Security

Another reason to consider condo insurance is because it can help your future financial security. If something happens to your condo and you don’t have insurance, you’ll be responsible for paying out of pocket to replace your possessions and possibly to repair the condo’s interior. Paying these significant expenses out of pocket suddenly could create a financial hardship for you. Investing in condo insurance provides a layer of protection for your future financial stability.

If you’d like to learn more about condo insurance or any of our other insurance products, please contact us at Swartz Premier Group Insurance. We serve Moberly, MO, and the surrounding areas. We are here to help with your insurance needs.

Insurance Coverage for New Electronics You Store Inside Your Rental

Posted on April 30, 2024April 30, 2024 by admin

Consider how vulnerable your electronics are. Then, choose insurance coverage that will pay for repairing or replacing the electronics you own.

Potential Damage

Your electronics could become damaged while you are actively renting your apartment or house. Accidental drops or spills could lead to electronic issues. A natural weather event or criminal activity could also result in damage that would make your electronics unusable.

Electronics To Cover

Review the following list. These are some common products that you may plan on storing inside your rental. These items, plus additional types of electronics, can be added to your existing renters’ insurance policy.

Laptops
Tablets
Gaming consoles
Digital media devices
Home theater equipment
Smartphones
Fitness trackers

Assessment

Take a walk through your rental unit or home. Take note of any electronic equipment you consider a large investment.

Your assessment results should include the make and model of each piece of electronic equipment that you plan to add to your renter’s insurance policy. A description of each electronic item should also be documented.

Coverage

Select the amount of coverage that you need for the electronics you own. The amount should coincide with the true value of each piece of electronic equipment.

If you own valuable items, it can be beneficial to purchase an increased amount of insurance coverage.

The coverage amount you select should be assessed in the future. If you purchase new electronics, you should plan on updating your existing renters’ insurance policy.

Contact Swartz Premier Group Insurance

Meet with an agent who represents Swartz Premier Group Insurance. An agent who serves Moberly, MO will inquire about the electronics that you would like to add to your renters’ insurance policy.

Can Motorcycle Insurance Help to Replace a Stolen Motorcycle?

Posted on March 29, 2024March 27, 2024 by admin

At Swartz Premier Group Insurance, Moberly, MO, we commonly address inquiries regarding the provision of motorcycle theft coverage within our insurance policies. While policies differ based on specific terms and conditions, this blog elucidates standard responses to these queries. For personalized information concerning your motorcycle policy and its potential coverage of theft instances, our agents are ready to provide precise clarification.

Can Motorcycle Insurance Facilitate Replacing a Stolen Motorcycle?

The theft of your motorcycle can be stressful, especially when you have to contemplate how you will finance the replacement. Considering the high costs involved in purchasing a new motorcycle, seeking viable alternatives to prevent dipping into your savings or reallocating other financial resources is essential.

Therein lies the significance of motorcycle insurance. Confirming whether your policy encapsulates conditions for replacing a lost or stolen motorcycle is important. While specific policies may not support claims related to motorcycle theft, others may include these provisions. As insurance policy terms can be complex to comprehend independently, our professional agents can help you navigate your coverage’s inclusions and exclusions.

Ensuring Adequate Coverage upon Motorcycle Purchase

It is critical to secure comprehensive motorcycle insurance coverage from the moment of your purchase to mitigate potential challenges. For more details on the motorcycle coverage options we offer here at Swartz Premier Group Insurance, Moberly, MO, get in touch with our office today.

Why do small businesses need commercial insurance?

Posted on February 28, 2024February 22, 2024 by admin

The U.S. Small Business Administration indicates that small businesses account for 45% of Missouri employees, so small businesses are vital to the Show Me State’s economy. Due to the role of small businesses, it is crucial to recognize the role commercial insurance plays in enabling them to meet their legal and contractual obligations. If you are a small business owner, our Swartz Premier Group Insurance team, serving Moberly, MO, will help you understand your commercial insurance options and structure coverage to meet your needs.

Commercial Insurance Overview

Small businesses lack the financial backing of larger organizations and can be vulnerable to unforeseen events. However, like larger organizations, they can gain protection by adequately insuring themselves against the hazards of their industry and other factors.

Almost every small business needs protection through business property and liability insurance and can bundle it into a Business Owner’s Policy (BOP) along with the appropriate industry-specific add-ons. Likewise, workers’ compensation and product liability insurance can be part of the BOP.

Small business owners should also acquire commercial insurance rather than mistakenly rely on their home or personal auto policies for protection. For example, business owners who keep office equipment, inventory, or tools at home should recognize that home policies typically cover only up to $2,500 worth of business assets. A commercial insurance policy should cover those assets. Likewise, owners take significant risks when allowing employees to make deliveries using the owner’s vehicle when covered by a personal policy rather than commercial vehicle insurance.

Working with Swartz Premier Group Insurance

The Swartz Premier Group Insurance, serving the Moberly, MO, small business community, will help you customize an insurance plan to protect your business and personal assets. Give us a call today at 660-263-8900 to discuss your commercial insurance options.

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