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208 West Rollins St
Moberly, MO 65270

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Columbia, MO 65203

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Missouri Insurance Blog

Is There a Limit to the Number of Claims You Can File Against Homeowners Insurance?

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Being a homeowner comes with many responsibilities. You must ensure that the house remains in tip-top condition by maintaining the home’s exterior, making repairs, and more. Another responsibility as a homeowner is to ensure that you always keep homeowners’ insurance. While you might be lucky and never need to file a claim against your homeowners’ insurance, you never know when you might need to file one. One thing that many homeowners wonder is, do insurance companies limit the number of claims a Moberly, MO homeowner (or homeowners elsewhere) can make against the policy? 

Each Insurance Company is Different

Each insurance company is different and has its own rules, but it’s safe to say that there is a limit to the number of claims a person can file against their homeowners’ insurance. The average limit is between two and five per year. To find out what the limit is with your insurance company, you will need to contact them directly. 

You Could Pay More for Insurance in the Future

If you file excessive claims with your homeowners’ insurance company, you could end up paying a higher rate in the future, as you could be seen as a high-risk homeowner. Therefore, you should make every effort to keep the number of claims you make to a minimum. 

Reach Out To Us

If you’re interested in finding a new home insurance agent and you’re a Moberly, MO resident, you might want to check us out at Swartz Premier Group Insurance. At Swartz Premier Group Insurance, we pride ourselves on not only providing top-notch coverage but also excellent customer service. Give us a call today to be provided with a quote before we assist you with getting your policy started. 

Classic Car Insurance for New Collectors: Your Quick Guide

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Our team at Swartz Premier Group Insurance can provide Moberly, MO area residents with the help that they need with a variety of insurance types. For instance, we can help you with classic car insurance that protects your investment. Here’s what you need to know about this policy type.

When Your Car is a Classic 

Here’s a tough question that we know you might not feel comfortable answering: Is your car truly a classic? Here are a few qualifications it has to meet to fall under classic status: 

  • At least 25 years or older 
  • If not that old, a new and exotic model (Aston Martin, Alfa Romeo, and such)
  • Popular antique favorites like Chevy, Ford, and Dodge classics
  • Replica cars that recreate a cool, old-style 
  • Specialized vehicles (hearses, fire trucks, school busses)
  • Used only for exhibition and club activities 
  • Stored in a locked and enclosed structure 

When getting this type of insurance, you typically get surprisingly low deductibles and an agreed-upon cover value, meaning that you get protection up to a point that we agree on. 

What Your Policy Covers 

When you get a classic car insurance policy, it covers a variety of concerns, including:

  • Liability issues, such as underinsured and uninsured motorists’ coverage
  • Personal injury protection and medical payment coverage
  • Towing and roadside assistance coverage 
  • Spare part coverage to help repair your vehicle 
  • Replacement cost of your vehicle if it’s damaged 
  • Restoration costs to improve your vehicle’s style

Why You Should Work With Us

At Swartz Premier Group Insurance, we take your Moberly. MO classic car seriously. We will work hard to find a policy that makes sense for you and will fight for your rights. It’s our goal to provide the high-quality and meaningful policy protection that you deserve. So contact us today to learn more!

What consequences can I face if I do not have condo insurance?

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People who are living in the Moberly, MO area will find there are plenty of great housing options. One option to consider is to purchase a condo, which comes with many benefits of homeownership without all the costs of responsibilities. If you are going to live in a condo, you do need to make sure that you are insured. You could face various consequences if you do not have a full condo insurance plan. 

Penalization and Violation

One consequence that can come when you are not covered with insurance for your condo is that you can be penalized and face various penalties. A condo owner will likely be subject to various rules and regulations set by a condo association. Further, you will likely be required to carry insurance if you have taken out a mortgage. If you do not have coverage, either the association or lender could place you in default and charge penalties. 

No Coverage

More importantly, when you do not have insurance, you will not have any coverage. A condo insurance plan covers various assets and will offer liability coverage. When you are insured, this can provide very helpful support that will ensure you have financial protection against various risks. If you don’t carry a proper condo plan, you will not receive this coverage or support. 

Consult With Us

It is clearly important that you get a condo insurance plan for your home in the Moberly, MO area. When you are ready to start looking for a plan here, you can call our team with Swartz Premier Group Insurance to discuss your needs and build the right plan. Our professionals with Swartz Premier Group Insurance know the value of this coverage and will ensure you are able to build a plan that is ideal for your situation. 

The Benefits of Rental Insurance During Natural Disasters

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Rental insurance is a valuable form of protection that allows you to transfer your risk and protect your belongings. While this coverage can offer you protection from many types of perils, one of the significant benefits it offers is protection from natural disasters. Once you contact an insurance company, such as Swartz Premier Group Insurance, you’ll be able to obtain the coverage you need to feel secure in the Moberly, MO area.

Protection for Your Property

When you obtain rental coverage, you can have your belongings covered. A few examples include your clothing, your jewelry, and your furniture. If a natural disaster happens, it could result in the complete loss of your belongings, so you would need to replace most of what you own. With rental coverage, you’ll know you’re protected from taking on the full financial brunt of such a significant loss.

Temporary Living Expenses for Your Family

When a natural disaster strikes a region, such as Moberly, MO, you can find your rental inhabitable. This would leave you and your family in need of temporary housing. With rental coverage, your temporary living expenses could also be covered. This coverage can cover your meals, transportation, replacement clothing, replacement hygiene products, and more.

Liability Protection for Your Assets

Rental coverage can also provide you with liability protection. If someone happens to get injured in a natural disaster or due to damage caused by a natural disaster to some of your property that ends up harming them, your coverage can take care of that party’s losses or damages. This can be a big help in the case of someone getting hurt and having substantial medical bills and additional losses. If you’re ready to discuss your rental coverage needs, you can contact Swartz Premier Group Insurance for information and assistance.

Three challenges you may face when you buy motorcycle insurance

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If you are a motorcycle owner in Moberly, MO, we can insure you at Swartz Premier Group Insurance. Call us for a quote, and we’ll walk you through the process of getting the coverage you need for your bike.

You might face some challenges when you’re insuring your bike.

Here are three challenges you may face when you buy motorcycle insurance:

Choosing the types and amount of coverage you need

Selecting the right types and amounts of motorcycle insurance is vital for comprehensive protection. Factors like your bike’s value, your riding habits, and local regulations play a role. Balancing coverage options, deductibles, and premiums ensures you’re adequately protected so that you can ride confidently.

Understanding any limitations of your coverage

Understanding the limitations of motorcycle coverage is essential to avoid surprises in times of need. Policies may have exclusions for certain modifications, off-road riding, or other scenarios. Clear comprehension of these limitations allows you to plan effectively, ensuring that you’re prepared for any situation you may encounter while riding.

Being a young rider without a long riding history

For young riders without an extensive riding history, finding suitable motorcycle coverage can be challenging. Some insurance companies will not offer motorcycle insurance coverage to new riders.

While getting covered might be more challenging if you don’t have a long riding history, you should be able to find coverage if you do your research and shop around. Researching options, considering safety courses, and working with insurers who understand your unique situation can help you find the coverage you need.

Consult With Us

Rev up your ride with the protection it deserves! Our motorcycle insurance at Swartz Premier Group Insurance offers the coverage you need for thrilling adventures. Contact us for a motorcycle insurance policy quote so that you can insure your bike in Moberly, MO. 

How To Prevent Slip and Fall Accidents at Your Business

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There’s a lot that goes into running a successful business. From managing staff to overseeing financials, the list of responsibilities can seem endless. One responsibility that you should not overlook is making sure that your company is safe. Slip and fall accidents make up a large portion of all workplace injuries, so it’s important to take the necessary steps to prevent them. At Swartz Premier Group Insurance, we help Moberly, MO business owners get what they need.

Preventing Slips and Falls At Your Business 

  • Keep floors clean and dry – Make sure to keep your floors free of debris, liquid spills, grease, and other liquids. Cleaning and drying up any spills immediately is key.
  • Well-lit walkways- Clear visibility is important for all workers. One step in the wrong path can cause a nasty fall. Invest in good lighting and make sure pathways are clear of obstructions to avoid accidents.
  • Proper training- It’s important to invest in quality training for every employee. For instance, having a proper ladder safety training program and ensuring that all employees follow the appropriate protocols can help reduce accidents.
  • Routine safety inspections– It’s critical to have attention to detail for every part of the workplace. Have a regular inspection of the premises to make sure all safety features are in place and functioning properly.

Coverage For Your Business

Commercial insurance can help cover any expenses related to slip and fall accidents. Swartz Premier Group Insurance provides comprehensive coverage for businesses in Moberly, MO. Our experienced agents can help you get the right coverage for your business. Contact us today to learn more about our commercial insurance products. With our help, you can rest easy knowing that your business is protected from dangerous slips and falls!

The difference between whole life insurance policies and term life insurance policies

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Whole life insurance policies and term life insurance policies are two different types of life insurance policies that offer different coverage and benefits here at Swartz Premier Group Insurance.

Whole Live vs. Term Life

Whole life insurance is a type of permanent policy, meaning it covers you for your entire life and provides lifelong protection whether you are in the Moberly, MO area or anywhere else. It also accumulates cash value, so you can tap into the funds if needed.

On the other hand, a term life insurance policy is a temporary policy that provides coverage for a specific period of time. Term life insurance does not accumulate any cash value, and after the specified term ends, the coverage ends as well. 

Both types of policies have their own advantages and disadvantages depending on your needs. Whole life insurance offers lifelong protection plus an accumulation of cash value over time but tends to be more expensive than term life insurance in the long run due to added features like cash value accumulation. Term life insurance is ideal for short-term protection since it’s less expensive than a whole-life policy and doesn’t require any additional investment from you, however, there’s no guarantee that you’ll receive anything after the specified term has ended. 

Choosing between these two types of policies boils down to what type of coverage works best for your individual needs and budget. If you need lifelong protection with some added financial security, then whole life may be right for you, but if you only need short-term coverage at an affordable rate, then term life may be best suited for your needs.

Reach Out To Us

For more information, give us at Swartz Premier Group Insurance a call today. We are proud to serve the Moberly, MO area.

Does Home Insurance Include My Artwork?

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As art enthusiasts, we understand the importance of protecting your favorite pieces. Every Moberly, MO homeowner wants to ensure that their belongings are covered in the event of an unexpected loss or damage. At Swartz Premier Group Insurance, we are frequently asked whether or not artwork falls under the category of a covered belonging in a standard home insurance policy. 

What Does Home Insurance Cover?

Before determining whether your artwork will be covered under your policy, it’s essential to understand what a standard homeowners’ insurance policy generally covers. Home insurance usually includes coverage for the structure of your home, personal property, personal liability, and additional living expenses.

Does It Cover Artwork?

Usually, standard home insurance policies cover artwork up to a specific limit. However, it’s essential to understand that these limits can vary depending on the value of your artwork, so it’s always best to speak with your insurance agent about your specific policy.

What About High-Value Artwork?

If you have a collection of high-value artwork that exceeds the limit of your policy, it may be necessary to purchase additional coverage to ensure that your artwork is fully protected. Swartz Premier Group Insurance offers different policies specifically designed to protect high-value artwork.

How Can We Help?

Our expert agents at Swartz Premier Group Insurance in Moberly, MO can help you determine the value of your artwork and adjust your policy accordingly, so you can rest assured that your most prized possessions are adequately protected.

Standard homeowners’ insurance policies typically cover artwork up to a specific limit. However, reviewing your policy and speaking with your insurance agent is essential to protecting your artwork. Contact Swartz Premier Group Insurance for assistance in determining the value of your artwork and adjusting your policy accordingly.

Common Classic Car Insurance Myths Debunked

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If you’ve just bought a classic car, you’re probably passionate about the vintage automobile industry. Like any significant purchase, you need to get the vehicle insured. Swartz Premier Group Insurance in Moberly, MO can help you navigate this important coverage.

We’ve debunked some of the most common myths to make finding a policy easy:

Classic Car Insurance Covers Everything

Unfortunately, this is not the case. Policies vary widely on the insurer and the specific policy, with some offering limited coverage for parts, modifications, and accessories. Therefore, it’s crucial you read your policy and know what won’t be covered. 

You Only Need to Insure Show Cars

Classic car insurance policies might be designed for rarely driven vehicles or ones used for car shows or exhibitions, but there are also policies for cars driven regularly. Many car enthusiasts want to drive their vehicles, and policies are designed with that in mind.

Classic Car Insurance is Expensive

A common pitfall is believing this type of insurance is more money than regular auto insurance. Your classic car insurance policy can be tailored to meet your and the vehicle’s needs, meaning lower premiums. Insurance companies even offer discounts for things like safe driving and having multiple policies.

Classic Car Insurance is Only Available Through Specific Insurers

Some specialty insurance companies offer classic car insurance, but your options aren’t limited to those. Many traditional insurance companies offer policies for classic cars. 

Reach Out To Us

At Swartz Premier Group Insurance in Moberly, MO, we know how important it is to find the best policy for your classic vehicle. We will work with you to find coverage that meets your specific needs, so your classic car is protected, no matter what. 

Why All Condo Owners Need Condo Insurance

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When it’s time to buy a condo, it’s also time to get a condo insurance policy. Every owner of a condo needs condo insurance for several reasons. It is excellent coverage that protects you against a wide range of events that can happen and damage your condo. However, it’s also generally required for condo owners to have it. Your condo board and lenders will each require it. If you need to arrange for a condo policy to take effect, call us at Swartz Premier Group Insurance in Moberly, MO to get started. 

Why Condo Insurance?

Dwelling Coverage

One of the most important types of coverage that come with a condo policy is coverage for the dwelling. This covers the condo portions that you own against a wide range of risks such as accidents and certain disasters. There will be many different types of risks outlined in the policy that tells you what will be covered. When a damaging event happens and causes damage to your condo, you would be responsible for all of the repair bills without a condo policy. When you’re covered, the policy pays for the repairs and protects you financially. 

Possessions Coverage

It isn’t just the condo itself that can get damaged. It’s also everything inside it. When those items are damaged in the event, your condo policy can also pay to have those possessions replaced. This is essential coverage when you consider how much it would cost to replace the things in your home. 

Liability Coverage

Another form of coverage that you get from these policies is for liability. This protects you in case someone enters your condo and has an accident there with injuries. The policy can pay for the medical bills that result from this accident, so you don’t have to. 

Get Condo Insurance Today

When it’s time for a condo policy, call us at Swartz Premier Group Insurance in Moberly, MO. We are here to help!

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