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Moberly, MO 65270

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Columbia, MO 65203

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Missouri Insurance Blog

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!

My landlord has insurance. Do I really need renters insurance as well?

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Being a tenant of a rental property in the Moberly, MO area comes with a certain set of responsibilities. Knowing that your landlord has insurance is reassuring, but it’s also important for renters to consider their own insurance needs as well.

Why Renters Insurance?

Even though your landlord may have coverage in place, you’re still responsible for any damage or loss that may occur within the premises. This means that if something like an appliance or piece of furniture gets damaged due to wear and tear, you could be held liable. 

For this reason, it’s always a good idea to look into renter’s insurance policies at Swartz Premier Group Insurance. Renters insurance will provide financial protection in the event of a loss or accident involving your possessions. It can also offer liability coverage if you are found responsible for an injury or damage to someone else’s property while at the rental unit. 

Renters insurance provides protection against vandalism, theft, and fire damage as well as covers replacement costs if such events were to occur. While this kind of policy isn’t typically needed by everyone, it might be worth looking into if you live in an area with higher crime rates or frequent natural disasters such as hurricanes and earthquakes. 

Reach Out To Us

Although your landlord may have insurance in place, it’s important to know what kind of coverage they have and what additional protection you need on your own behalf as a renter. When considering whether or not renters insurance is necessary for yourself, take into account where you live and how much risk there is for theft or other damages outside your control—this will help determine how much coverage you need from an insurance provider.

For more tips, call us at Swartz Premier Group Insurance today. We serve the Moberly, MO area. 

Safety tips for motorcycle riders

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Riding a motorcycle can be an incredibly thrilling experience, but it’s important to remember that safety should always come first. In order to stay safe while riding, Swartz Premier Group Insurance has a few safety tips for riders in the Moberly, MO area. 

Safety tips for motorcycle riders

One of the most effective safety tips for motorcycle riders is to wear protective gear at all times. This includes a helmet, gloves, boots, and a reflective jacket to help increase visibility when riding at night. Wearing protective gear keeps riders safe from potential injuries in case of an accident. 

It’s also important to make sure the bike is in good condition before each ride. This means checking the brakes, tires, and chain tension before every ride, as well as making sure the lights are working properly. Doing these simple maintenance checks can help ensure a safe ride and reduce the risk of breakdowns or accidents on the road. 

Another key tip for motorcycle riders is to always remain aware of one’s surroundings while riding. Riders should make sure they can see at least two seconds ahead of them while on the road, so they have enough time to react if something unexpected happens on the road. It’s also important to watch out for other drivers who may not be paying attention or are driving recklessly. 

Finally, it’s important for motorcyclists to always follow all traffic laws and regulations when riding on public roads. Obeying speed limits and signaling properly when turning will help ensure a safe ride and reduce the chances of getting into an accident with another vehicle or pedestrian. 

Make Sure To Get Motorcycle Insurance

By following these simple safety tips, motorcycle riders can enjoy their rides without worrying about unnecessary risks or dangers on the road. For more safety tips, call Swartz Premier Group Insurance today! We proudly serve the Moberly, MO area and will be happy to provide you with motorcycle insurance and answer any concerns. 

Missouri Startups Need Commercial Insurance — Here Are 3 Reasons Why

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Moberly, MO area business owners might be wondering if their startups should carry insurance coverage. Our team of insurance experts is here to address all your concerns.

3 Reasons Commercial Insurance for Startups Is A Critical Part of Protecting Your Business

1. Protect Your Assets: Commercial insurance provides coverage for your company’s valuable assets, such as buildings, equipment, and intellectual property. If something disrupts or destroys these items, comprehensive protection may help you minimize financial losses and get back to business quickly.

2. Prevent Legal Issues: Starting a business is often an exciting adventure, but it can also be risky – particularly if you don’t have the proper legal protection in place to protect yourself from potential lawsuits or other legal issues that could arise during your operation.

3. Maintain Operations: Having insurance in place can help you stay afloat during difficult times and keep your business running smoothly. When something goes wrong, having coverage can help you fix the issue and move forward without interruption.

Factors To Consider: Commercial Insurance for Startups

Startups should consider a few key factors when searching for the right type and level of coverage.

1. Coverage Types

2. Limits

3. Deductibles & Co-Insurance:

How To Get Commercial Insurance for a Startup

Talking to a licensed insurance agent at a commercial insurance agency like Swartz Premier Group Insurance can help startups choose the best commercial insurance policy. Our experienced agents can help startups focus on their primary business goals while taking care of the details related to finding the best commercial insurance coverage.

Get Commercial Insurance in Missouri

When starting a new business, it is important to make sure you have the proper insurance in place. Commercial insurance covers a business against certain risks that may come with running and operating a successful enterprise. A licensed insurance agent at Swartz Premier Group Insurance in Moberly, MO can help! 

Why You Need to Review Your Life Insurance Program Every Few Years

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Life insurance is important for protecting yourself and your loved ones from unforeseen financial hardship. Swartz Premier Group Insurance serving Moberly, MO offers flexible and comprehensive life insurance policies that allow you to provide for your family in the event of your death. However, it’s important to review your life insurance policy regularly to ensure it still meets your needs and those of your family.

Here are some reasons you should review your life insurance policy every few years:

Your Personal Circumstances May Change

Over the years, personal circumstances often change significantly. This can include anything from marriage to having children and buying a house to changes in income or health status. It’s important to review your life insurance policy to ensure it reflects any changes in personal circumstances.

Your Financial Obligations May Change

You will likely have different financial obligations and goals as time goes on, such as saving for retirement, paying off a mortgage, or sending children to college. Reviewing your life insurance policy regularly can help you ensure that it can accommodate your changing financial needs.

Insurance Needs May Change

As you get older and your life circumstances change, the life insurance coverage you need may also change. It’s important to review your policy regularly to make sure it is sufficient for your current needs, as well as any potential future obligations.

Insurance Rates May Change

Insurance rates can fluctuate over time, so it may be in your best interest to review your life insurance policy every few years to ensure you get the most competitive rate possible.

Secure Your Family’s Financial Future With Life Insurance Today

Residents of Moberly, MO, can trust Swartz Premier Group Insurance to provide their life insurance coverage. Our experienced team will work with you to create an individualized plan and review it regularly so that your financial commitments are always taken care of. Contact us today for more information about our life insurance policies.

How The Age of Your Roof Impacts Home Insurance

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Anyone who owns a home needs a homeowners insurance policy. The homeowner’s insurance policy is critical to providing you with the necessary coverage to help make you whole again should there be an accident that leads to damage or liability inside of your home. One of the areas where home insurance carriers pay a lot of attention when it comes to risk exposure is the roof of your home. The age of your roof can have a big impact on your home insurance policy.

Serving the greater Moberly, MO region, Swartz Premier Group Insurance can help you understand the linkage between your home insurance premium and your roof.

Age of the Roof and the Impact

So what is the impact that your roof will have on your home insurance policy? What is the big deal if you have a home that has a really aging roof? Every home insurance carrier is going to treat your roof state differently. Some will be more open to taking on the risk that your roof presents than others.  If you have a roof that is over 20 years of age your insurance carrier may not even provide you with a home insurance offer.  

Factors Outside of the Age

There are other factors that will impact the cost of your home insurance related to the roof. These factors include:

Condition – What is the condition of the roof? Is there a lot of wear and tear?

Material – What is the roof made out of? is it metal, wooden, or slate shingle?

Shape – Gable roofs and hip roofs are the most common. Roof designs may make them more prone to damage.  

Contact Us Today

You may have more questions when you are looking to get home insurance or renew your policy. Reach out to us at Swartz Premier Group Insurance in Moberly, MO, we can assist you with the right coverage for your needs. 

5 Classic Car Insurance FAQs

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A classic never goes out of style. Fortunately, insurance doesn’t either.

Swartz Premier Group Insurance in Moberly, MO can craft a classic car insurance policy that’s perfect for your vintage ride. 

Here are five common questions about classic car insurance:

What is classic car insurance?

Classic car insurance is special. These policies are strictly tailored for classic car owners. Although these may have features that are comparable to standard auto insurance plans, the available options can vary greatly.

How is classic car insurance different?

A major difference is that classic car insurance is built around a principle called "agreed value coverage." This means that a car’s monetary value is determined between you and your agent when you are purchasing an insurance policy. This is typically derived from a professional appraisal.

What types of cars are covered?

Classic car insurance is offered for exotic, antique, or custom cars. A car’s age influences this the most. Custom or modified vehicles are uniquely tricky to insure. Any changes can both positively and negatively affect a car’s value.

Is my car eligible?

Only certain cars will qualify. First, your vehicle must fall into one of the above categories. But drivers may face certain eligibility restrictions too. Most importantly, classic car insurance requires the owner to have another vehicle that’s primarily for daily use.

How much does classic car insurance cost?

Rates vary based on make, model, and mileage. Yet, since classic cars spend less time on the road, these insurance policies are usually less expensive than traditional auto coverage.

Get Classic Car Coverage

Owning a classic car might be a luxury. But having insurance isn’t. Call Swartz Premier Group Insurance in Moberly. MO today. Our professional agents can customize a classic car insurance plan that’s right for you.

Why do people need to have condo insurance in Missouri?

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Owning real estate is a good option for those in the Moberly, MO area. If you want to own a home here, but do not want all of the maintenance obligations, purchasing a condo can be a good idea. Along with looking to buy a new condo, you should also start looking for a new insurance policy.

Having this insurance support will be needed for a few reasons:

Cover Assets

A primary reason to get any type of insurance is to protect your assets. If you are a condo owner, a condo insurance plan can provide very valuable support. With this type of coverage, you will have protection for both your condo as well as your personal assets within it. This can be quite helpful if you incur a loss due to bad weather, fire, vandalism, or even theft.

Comply with Insurance Requirements

When you are a condo owner in this state, it is very likely that you will be required to carry some form of condo insurance. Most likely, you will be part of a larger home association that will have very specific insurance rules. Further, you will have standards that need to be met to comply with your mortgage lender. With a proper condo insurance plan, you can stay in compliance with all of these requirements.

Give Us A Call

If you want to purchase a condo when you are in the Moberly, MO area, spending time assessing your insurance needs is important. As you are looking for a policy in this region, you should start the process by speaking with Swartz Premier Group Insurance. There are many choices to make and Swartz Premier Group Insurance will give you the support you need to choose a plan that is ideal for your situation.

Can I Get Renters Insurance If I Have Bad Credit?

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Renters insurance is vital to protecting your belongings, whether you’re a first-time renter or have been living in apartments for years. But what happens if you have bad credit? Can you still get renters insurance?

The answer is yes – but it may be more difficult and more expensive. Swartz Premier Group Insurance in Moberly, MO provides expert insurance advice on navigating this important coverage. Here we discuss how bad credit can affect your ability to get renters insurance, and we’ll also provide some tips on how to make it happen.

Can Bad Credit Affect Your Eligibility for Renters Insurance?

Bad credit won’t necessarily disqualify you from getting renters insurance, but it can make it more difficult. Insurance companies use credit scores to help determine premiums, and if your score is low, you may be seen as a higher risk.

This means that you may have to pay more for your coverage or you may only be able to get coverage from a limited number of insurers. If you’re looking for renters insurance and have bad credit, you need to talk to a reputable company like Swartz Premier Group Insurance in Moberly, MO.

What You Can Do If You Have Bad Credit

There are a few things you can do to try to get around the issue of bad credit:

  • Look for companies that don’t use credit scores when determining premiums
  • Shop around and compare rates from different companies
  • Pay your premiums in full upfront to avoid finance charges
  • Try to improve your credit score. This takes time, but if you’re able to do it, it can make a big difference in the cost of your insurance

Give Us A Call

Bad credit doesn’t have to be a deal-breaker when it comes to getting renters insurance. There are plenty of options available, but you may have to do some extra work to find the right policy for you. Swartz Premier Group Insurance in Moberly, MO can help you find the right renters’ insurance policy, no matter what your credit score is. Contact us today to learn more.

What Are Some Of The Common Riders That Can Be Added To A Motorcycle Policy?

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Basic motorcycle coverage is insufficient to provide adequate insurance for your riding needs. This is why it’s critical that you take the extra step of customizing your motorcycle insurance with add-on coverages. Here are some common riders you can add to your basic motorcycle policy in Moberly, MO 

Common Riders to Add to a Motorcycle Policy

1. Pillion Cover

Do you plan to ride your bike with a passenger at the back? Then, you will need to add a pillion-cover rider to your motorcycle insurance. This will cover the passenger in case they get injured while on your bike. If you don’t take this coverage, you will be liable if your pillion is hurt while riding at the back of your bike.

2. Insurance for Modifications

Part of the fun of owning a motorcycle is being able to customize it. If you will be investing in modifying your bike, you will need to purchase insurance for modifications coverage to protect. Your standard motorcycle coverage will not cover any damage or theft of the modifications you do on your bike. At Swartz Premier Group Insurance, we suggest you review your insurance for modifications and rider coverage anytime you add new modifications to your bike.

3. Helmet and Leathers

Motorcycle gear can be expensive to replace if it’s damaged in an accident. However, standard motorbike insurance doesn’t cover your gear, only your bike. Getting the helmets and leather coverage for your standard bike insurance will allow it also to cover your riding gear.

4. Breakdown Cover

Every biker fears having their motorcycle break down in the middle of nowhere. To be safe, you will need to get the breakdown add-on cover. This rider policy will cover the cost of roadside assistance and recovery if your bike breaks down on the road.

Are you seeking motorcycle insurance with useful rider coverages in Moberly, MO? Contact Swartz Premier Group Insurance today.

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