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Homeowner Insurance Coverages During Tornado Season

Unfortunately, tornado season has been a rough one this year. We have witnessed much devastation and couldn’t help but think, “I hope they had good homeowner insurance coverages”. This thought is not from a selfish standpoint, but rather a professional who knows the risks and can help people avoid total loss in the event of a covered peril.

The following video will explain how MJM Insurance of Fenton can help you.  Don’t wait until insurance companies put a freeze on writing policies! Call Today (636) 343-5000

 

Missouri Home Insurance | Protection Before Tornado Season

What’s in Your Policy? Do You Have The Right Coverages?

MJM Insurance of Fenton | Missouri Home Insurance | (636) 343-5000 First, let’s start with the safety factors for tornado season. We’re going to cover Missouri Home Insurance | Protection Before Tornado Season.  While no home can ever be made “tornado-proof,” homeowners prepare for tornadoes ahead of time can improve the odds of their home surviving high winds by taking these precautions.

According to wikipedia, a tornado watch is issued when weather conditions are favorable for the development of severe thunderstorms that are capable of producing tornadoes.  In most cases, the potential exists for large hail and/or damaging winds in addition to tornadoes.

A watch does not mean that the severe weather is actually occurring, only that atmospheric conditions have created a significant risk for it. If severe weather actually does occur, a tornado warning or severe thunderstorm warning would then be issued. Note that a watch is not required for a warning to be issued; tornado warnings are occasionally issued when a severe thunderstorm watch is active, or when no watches are in effect), if a severe thunderstorm develops and has a confirmed tornado or strong rotation.

Take these additional steps to protect yourself and your family:

  • Decide where your safe place is going to be.  An interior room, basement or local shelter.  When a tornado approaches, go there immediately. If you have no time to get to shelter, head to the center most part of your basement or home — away from windows and preferably under something sturdy like a workbench or staircase. The more walls between you and the outside, the better.
  • Become familiar with your community’s severe weather warning system and make certain every adult and teenager in your family knows what to do when a tornado watch or warning sounds.
  • Learn about your workplace’s disaster safety plans and similar measures at your children’s schools or day care centers.
  • Create a family plan in case you are able to move to a community shelter and identify escape routes from your home and neighborhood and designate an emergency meeting place for your family to reunite if you become separated.
  • Establish a contact point to communicate with concerned relatives. Keep in mind, when a tragedy hits a large geographical area, everyone is calling someone, or emergency departments from their cell phone.
  • Keep an emergency kit readily available.  Include a three-day supply of drinking water and food you don’t have to refrigerate or cook; first aid supplies; a portable weather radio; a wrench and other basic tools; a flashlight (there are flashlights with a wind up power source versus the need for batteries.  Consider extras like work gloves; portable lanterns; clothing; blankets; baby items.
  • Move anything in your yard that can become flying debris inside your house or garage before a storm strikes. Do this only if authorities have announced a tornado watch, however. If authorities have announced a tornado warning, leave it all alone.
  • Don’t open your windows. You won’t save the house, as once thought, and you may actually make things worse by giving wind and rain a chance to get inside.

A tornado can seriously impact many areas of your life – your home, your apartment, your car, your business!  WE CARE!

 

MJM Insurance of Fenton | Missouri Home Insurance | (636) 343-5000 There are many ways to purchase Missouri Home Insurance.  For homeowners to make sure they have the right protection in place, it is highly recommended to meet with a licensed insurance professional to review your policy.  There are many choices in coverages, endorsements, discounts, and more.  It can be a bit overwhelming, and our agents at MJM Insurance of Fenton can help.

Home Insurance policies in Missouri can be  very different and the price of insurance varies based off the risk of the home, location, etc.  If you can think of anything, realize that you’re not buying a commodity;  you’re protecting your financial well being…and the choices you make could affect you for the rest of your life.  After you read this post, check out our page for additional Missouri Home Insurance at Missouri Home Insurance Information.

Our motto is “Expect More. Receive More.”  MJM Insurance of Fenton is a full service independent insurance agency representing many of Missouri’s premier personal and commercial insurance carriers. With a combined experience of over 70 years in the Missouri insurance industry, our agents are knowledgeable and competent specializing in, not only home insurance, but also auto, renters, boat, motorcycle, business automobile, workers compensation, and general liability. With our utilization of cutting edge automation, we’re able to provide superior service to our clients including A+ rated insurance products.

So, let’s get together and review your homeowners insurance policy to make sure you have sufficient coverage to rebuild your life and home after a tornado. Report any property damage to your insurance agent or company representative immediately after a natural disaster and make temporary repairs to prevent further damage. For information about filing an insurance claim after a natural disaster, contact MJM Insurance of Fenton.

Here are a few link for you to become prepared, protect your family – including your pets!  

MJM Insurance of Fenton | Missouri Home Insurance | (636) 343-5000 Here in the USA, tornadoes have occurred in every month, so any time is a good time to review tornado safety procedures – for home, for school, for work, in the car, and while out and about. And if you are considering a storm shelter, take a look at Tornado Project Online to learn more about shelters.

If you don’t regularly watch or listen to the weather report, but strange clouds start moving in and the weather begins to look stormy, turn to your local radio/television station or visit www.weather.com to get the weather forecast.

Remember, if a tornado “watch” is issued for your area, it means that a tornado is “possible.”  If a tornado “warning” is issued, it means that a tornado has actually been spotted, or is strongly indicated on radar, and it is time to go to a safe shelter immediately.

Call Us – We’re Here To Help!

Source: Institute for Business and Home Safety. IBHS is a national nonprofit initiative of the insurance industry to reduce deaths, injuries, property damage, economic losses and human suffering caused by natural disasters.

 Missouri Home Insurance | Protection Before Tornado Season

Where to Learn More About Home Insurance in Arnold MO

Understanding Your Home Insurance Options

Where to Learn more about Home insurance in Arnold MO | MJM Insurance® of Fenton | (636) 343-5000

MJM Insurance® of Fenton knows it is important to help home owners understand their options and how to best protect their family and belongings in case of a loss.  Our agents are here to help home owners know where to learn more about home insurance in Arnold MO.

There are many coverage options you can have in your policy.  On your declaration page you will see several terms; including  dwelling coverage and personal property coverage.  The word dwelling in your home insurance policy actually refers to your home itself and attached structures, such as an attached garage.  One of our experienced agents can run a cost analysis that calculates the cost to rebuild your home. If you don’t adjust the amount of insurance for your dwelling appropriately, you may not have enough insurance to replace your home if disaster strikes.

Your personal property includes all your personal items, such as furniture, clothing, electronics, appliances, etc.  Your personal property limit is usually 70% – 75% of your dwelling limit.  However, you can adjust this upward if you need more protection, discuss your options with us. We’re here to help!

Detailed information about home owner insurance and how to contact us can be found on our website page: Where to Learn More About Home Insurance in Arnold MO.

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Fenton Missouri Business Insurance

Do You Need a BOP or CPP for your Fenton Missouri Business Insurance?

 

 

Fenton Missouri Business Insurance | MJM Insurance® of Fenton | (636) 343-5000There are two types of Fenton Missouri Business Insurance policies available in Missouri.   The Business Owners Policy or BOP and the Commercial Package Policy or CPP.  These two types of policies are explained below.

Insurance for Different Business Types

On the right sidebar of this page, we have include links to a number of business insurance resources.  Click on any of the different business types to learn more about the insurance coverages for that type of business.   Please call one of our commercial insurance agents at MJM Insurance® of Fenton for any assistance.

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Fenton Missouri Insurance Agency

The #1 Fenton Missouir Insurance Agency That Works For YOU!

Fenton Missouri Insurance Agency | MJM Insurance® of Fenton | (636) 343-5000If you are looking for a Fenton Missouri Insurance Agency, consider speaking with our professional agents with MJM Insurance® of Fenton insurance agency. You may have seen the terms independent insurance agencies, captive agencies. and so forth.  We are going to explain the difference, and why you should visit our independent insurance agency – MJM Insurance® of Fenton.

It is important to select an agency with agents who have been licensed for longer than a few years–our agent staff has a combined experience of over 60 years in the insurance industry–they are knowledgeable and competent.  Our agency requires all staff to maintain their credentials so we are always up to date on the many changes within the insurance industry.  It is imperative to select an agency with up to date license. The Missouri Department of Insurance explains the agency requirements. Our agents’ license is proof they we have passed state examinations that require a thorough understanding of insurance policies and practices.  Rest assured, MJM Insurance® of Fenton insurance agency upholds to these standards.

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Fenton Missouri Insurance Agent

MJM Insurance® of Fenton Is Your Trusted Partner

Fenton Missouri Insurance Agent | MJM Insurance® of Fenton | (636) 343-5000Often times our agents meet potential customers who have had an insurance agent for years and whom they have never met.  It is shocking to me that people put their life in the hands of a stranger and have no personal connection or relationship with their Fenton Missouri Insurance Agent. MJM Insurance® of Fenton agents pride ourselves on the fact that we take great interest in our clients’ and their family’s well-being. It is important that our clients trust the staff and licensed agents of our company.

We sit down with our clients and give a comprehensive account review to make sure they have the best protection.  We explain the coverage options, benefits, and potential risks based off their needs versus current their current insurance coverages. We take the time to walk our client’s through every step of the decision process to make their experience as educational and informative as possible.

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Fenton Missouri Home Insurance Information

Six Primary Coverages That Are Included in Your Home Policy

Fenton Missouri Home Insurance | MJM Insurance® of Fenton | (636) 343-5000Have you been searching for ”Fenton Missouri Home Insurance“ and you’re not quite sure what home insurance coverages are necessary to protect you, and one of your most valuable assets? Many of us have been in a situation where we need insurance and depend on our mortgage company or shop online, to find the least expensive home insurance coverage. Have you considered if something happens to your home, and whether your insurance policy will actually cover the damage?  Will it pay for ALL of it?  As a homeowner, there are many risks our agents can help you avoid.

For most people, insurance is confusing. Homeowners may not understand the liabilities that come with owning a home and the protection of having the right coverages in the insurance policy. Homeowners in Fenton Missouri should be aware that mortgage lenders require homeowners insurance.  This article, Fenton Missouri Home Insurance, will explain the primary insurance coverages that are included in your homeowners policy, what they mean, what is not covered, and additional coverages available to you.

FENTON MISSOURI HOME INSURANCE:  DEFINITION OF DWELLING

The word Dwelling in your home policy actually refers to your home itself.  It includes attached structures, such as an attached garage. The Amount of Insurance (Dwelling Limit) listing on your Declarations page indicates the maximum amount your insurance company will pay to replace your home if it’s destroyed by a covered claim. But,is it enough?

Don’t make the mistake, like many homeowners do, by thinking your homeowners insurance covers everything just because you have an insurance policy!  You must make sure your Dwelling Limit is enough to rebuild your home.

Contact MJM Insurance® of Fenton and one of our experienced agents can run a cost analysis that calculates the cost to rebuild your home.  Be sure to adjust the amount of insurance for your dwelling appropriately.  If you don’t, you may not have enough insurance to replace your home if disaster strikes.

Some policies include built-in protection above the stated Dwelling Limit – usually a percentage of the Dwelling – just in case the estimate is too low. We will make sure to discuss this with you as an additional protection feature.

FENTON MISSOURI HOME INSURANCE:  OTHER STRUCTURES

The most common “Other Structures” (structures not attached ot the dwelling) are sheds, stand-alone garages (known as “detached” garages in insurance terms), barns, pool houses, etc…  These structures are not directly attached to your home.  Other Structures have their own protection limit – the most your company will pay to rebuild them will be stated on your Declarations page.  This limit will be significantly less than the dwelling limit … typically 10% – 20% of the dwelling amount.  For most people that’s plenty of insurance for other structures.  But not for everyone.  You need to know what it would cost to rebuild or replace those structures if they’re destroyed.  Discuss it with the licensed professionals in our office. You can buy more protection for your other structures if you need it.

FENTON MISSOURI HOME INSURANCE:  PERSONAL PROPERTY

Your personal property includes all your personal items, such as furniture, clothing, electronics, appliances, etc. Similar to other structures, personal property has its own protection limit stated on your Declarations page.  And, again, this amount is the most the insurance company will pay to replace your personal property. You can also add a Ryder to your insurance policy that will cover jewelry; so long as you have the proper documentation like an appraisal from a qualified jeweler.  Your personal property limit is usually 70% – 75% of your dwelling limit.  However, you can adjust this upward if you need more protection,  Discuss your options with us. We’re here to help!Fenton Missouri Home Insurance | MJM Insurance® of Fenton | (636) 343-5000

Regardless of the protection limit for your personal property, there’s a very important question you must get answered.  How is your property protected?  It is determined by the “actual cash value” or “replacement cost”?  The difference is huge!  In very basic terms, if your property is protected on a replacement cost basis the insurance company will replace your old stuff with new stuff.  For example, if your 5-year old TV is destroyed in a covered claim, the company will pay for a brand new TV.  That’s a good deal for you.

But if your property is protected on actual cash value basis, an “allowance for depreciation” is applied to the cost of a new TV based on the age of your destroyed TV.  The result is you get a settlement amount less than the cost of a new TV.  To buy a new TV you’ll have to come up with the difference out of pocket.  Not as good of a deal for you.

Clearly, insuring your personal property on a replacement cost basis is a better advantage than actual cash value.  Sometimes it costs a bit more, but not always.  We can help you understand how how your policy works and can check the price both ways, to help you make the right decision.

FENTON MISSOURI HOME INSURANCE:  LIABILITY

Your liability coverage pays if someone sues you for their injuries due to a covered claim.  When we think of such accidents we most commonly think of injuries that occur on your property – someone slips and falls, a dog bite, etc….  However, the liability protection under your home policy extends beyond your property to your everyday life.  Liability Insurance helps protect you against the financial burden arising from injury (or property damage) that you or your family may cause to other people. It typically even covers injuries whether they happen on or away from your property.

Liability insurance is all about protecting your assets from someone who sues you.  So, you should have at least as much liability insurance as your financial worth.  However, more than that may be prudent, and you should discuss your needs and risks thoroughly with a licensed agent at MJM Insurance® of Fenton.  Your current liability limit will be stated on your Declarations page.

FENTON MISSOURI HOME INSURANCE:  MEDICAL PAYMENTS TO OTHERS

This coverage pays medical bills for a guest who is injured on your property or in another covered claim.  The idea is to do the right thing for someone – pay their medical bills – and then hope they don’t sue you.  This protection is inexpensive, but could save you major hassles by preventing a lawsuit.

FENTON MISSOURI HOME INSURANCE:  LOSS OF USE

Loss of use coverage provides monies for alternative living if your home is badly damaged and are you not able to live in it while it’s being fixed or replaced.  That means you may have to pay rent somewhere or staying in a hotel while you’re also paying your mortgage.  The Loss of Use coverage on your home policy pays those additional expenses for you.

Your Declarations page may state a dollar limit for this coverage, or it may state a time limit.  If there is a dollar limit, this is the most the insurance company will pay for these expenses.  If there’s a time limit, your insurance will pay all covered expenses regardless of the amount but only for the specified period.

Coverage Exceptions

Imagine your home is damaged by a vehicle crashing through the garage.  You call your insurance agent to report the claim, and then you hear the worst news possible, “I’m sorry that’s not covered by your policy.”  Fenton Missouri Home Insurance | MJM Insurance® of Fenton | (636) 343-5000Now, you have a real problem.

The unfortunate truth is no insurance policy covers you for everything that could possibly happen to you or your property.  However, with a little bit of understanding, you can make sure you have the protection you need, and you can rest easy knowing your claims get paid by the insurance company.

Just because you have an insurance policy, it does not mean everything and everyone in your home is covered.  Your home insurance policy does not cover you against every “cause of loss”. Examples of “cause of loss” include fire, high wind, and other “perils”.

A standard home policy excludes many causes of loss.  That is, it does NOT protect you from certain perils – like earthquake, flood, termite damage and many more.  That means if your home is damaged by one of these excluded perils your policy will not pay and you have no insurance against them.

You can purchase additional coverage to protect you from perils like earthquakes and floods.  However, some excluded perils are not insurable, such as insect damage.  Be sure to discuss your policy exclusions with an agent in our office and we’ll help you determine the best protection you need.  Don’t be caught by surprise after the damage is done.

FENTON MISSOURI HOME INSURANCE:  SPECIAL LIMITS ON PERSONAL PROPERTY

As if your home policy wasn’t complicated enough already!  There are also “special limits” of protection for some of your personal property.  A “special limit” reduces the protection specifically available for certain types of property. Property subject to a special limit typically includes property used for business, cash & coin collections, jewelry & furs, guns, silverware, valuable art and more.

Additionally, some of these special limits apply only if the property is lost or stolen – making things just a little more confusing.  For example, the standard home policy typically includes $1,000 of protection for stolen jewelry. If your $2,500 diamond engagement ring is stolen, you will receive $1,000 from the insurance company.  Ouch!  And, if the stone falls out of the ring and is lost, there may be NO coverage at all!

It is very important you fully discuss these conditions and special limits with our agents and buy the protection you need.  Otherwise, you could find yourself with a very nasty surprise … an unpaid claim!

FENTON MISSOURI HOME INSURANCE:  OTHER EXCLUSIONS AND OPTIONS

The standard home policy have exclusions for many reasons.  But then the insurance company gives you an opportunity to buy some of them back. So, you have the option of increasing protection where you personally need it.

There are literally dozens of optional coverages available in your home policy.  Here are some of the more common options available to you:

  • Identity Theft – many home insurers now offer protection for Identity Theft in their home policies.  This will help pay the expenses you incur to restore your identity if it’s stolen.
  • Water & Sewage Backup – the standard home policy excludes damage caused by a water or sewage system backup.  You can buy this protection if you want it.
  • Ordinance & Law – pays the increased costs of repairing or rebuilding your home that are required to be build in accordance to current building codes.
  • Packaged Endorsements – often times an insurance company will package the optional coverages people most commonly buy into a single endorsement for a lower price.

There are many more optional coverage and exclusion buy-backs our agents can explain to you. Its worth the time to spend with your MJM Insurance® of Fenton agent to understand the coverages available and make good decisions about your protection.


MJM Insurance® of Fenton has access to many insurance carriers and thousands of different products to choose from.  These insurance carriers allow us to tailor an insurance policy specifically to your needs, and help cover your risks.

The Missouri Home Insurance Guide is a great resource to help you understand Fenton Missouri Home Insurance requirements.  Read through this guide and contact an agent with MJM Insurance® of Fenton to schedule a free consultation. (636) 343-5000

Fidelity National Insurance by MJM Insurance® of Fenton | (636) 343-5000 
Travelers Insurance by MJM Insurance® of Fenton | (636) 343-5000
Progressive Insurance by MJM Insurance® of Fenton | (636) 343-5000
Kemper Preferred Insurance by MJM Insurance® of Fenton | (636) 343-5000
The Hartford by MJM Insurance® of Fenton | (636) 343-5000
Hagerty by MJM Insurance® of Fenton | (636) 343-5000

Auto Insurance Arnold MO | (636) 343-5000

MJM Insurance® of Fenton Sells Auto Insurance in Arnold MO!

Auto Insurance Arnold MO |MJM Insurance® of Fenton | (636) 343-5000Have you been searching online for ” Auto Insurance Arnold MO. ”   Did you know that MJM Insurance® of Fenton Sells Auto Insurance in Arnold MO!  Our agents will shop top rated companies and find the right coverages you need for the best value.

Insurance rates vary by many factors, and we highly recommend you to discuss the options with your MJM Insurance® of Fenton agent. As your life transitions, you should also review your auto insurance coverages. With all the variables in auto insurance rating tiers, you may not be protected properly or have the best price for the coverages you need. You should discuss any life changes with your agent, when any of the following occur. It could cost you more money in the long run, or you could receive substantial discounts.

The types of life changing events include:

  • Changes in your employment
  • Marital status
  • Credit score (good or bad)
  • More than 3 years since a Moving Violation
  • Or recently received a Moving Violation
  • Moved to a New Zip Code
  • Purchased a new home
  • Started a family
  • Changed the Number of vehicles you own

Any of these events can change your insurance rates. You owe it to yourself to purchase the best coverage for the best price. Arnold Missouri Auto Insurance coverages have many components and rates vary from company to company. Sometimes insurance companies have better rates or offers in certain demographics. Just because your current carrier offered the best price 2 years ago doesn’t mean they are still the best buy.

In order to have the best coverage, you will want to talk with your auto insurance agent about the types of auto insurance coverages that are right for you. If you don’t get the right coverage, you may be at risk for financial disparity, or you may be paying for coverage you do not need.

There are many types of coverages and the following list will help you understand each type of auto insurance so you can make the right decision that meet your needs.

TYPES OF LIABILITY COVERAGE

All Missouri drivers are required to purchase and maintain minimum amounts of liability coverage. Liability insurance coverage is typically a required type of car insurance. Even in the rare state that does not require liability car insurance, you may find that having liability insurance is worth the financial security.

Liability insurance includes 1) Bodily injury coverage, which pays for injuries suffered by others in an accident you caused and 2) Property damage coverage, that pays for damage you cause to another person’s property in an accident.

UNINSURED MOTORIST COVERAGE

Vehicle coverages can serve as financial protection when your car is damaged or broken down. However, this coverage only pays for your vehicle damages. For comprehensive protection, remember to look into the other 2 main categories of car insurance: liability insurance and medical coverages.

Missouri also requires drivers to hold uninsured motorist coverage for bodily injury at the same minimums as those listed for liability coverage. Liability insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident. Liability insurance only pays for bodily injuries or property damage suffered by others when you are at fault in an accident. Your own injuries or property damage are not covered through liability insurance.

MEDICAL CAR INSURANCE COVERAGE

Medical coverage is an important auto insurance coverage. Also known as Med Pay, medical car insurance covers the costs (up to a limit) for injuries that you or  your passengers may have when riding in and while loading or unloading the vehicle.  You and your family may be covered as a pedestrian also.  Did you know the Institute for Highway Safety Fatality reports nearly 25% of ALL car accidents end in death!  This is a sad, but true statistic.  Don’t take the risk and become a statistic!  Contact your local Arnold MO insurance agent at MJM Insurance® of Fenton – (636) 343-5000.

Auto Insurance Arnold MO |MJM Insurance® of Fenton | (636) 343-5000COMPREHENSIVE AND COLLISION INSURANCE

Comprehensive Insurance Coverages, will help pay for repairs to your car when damaged by an event other than a collision.  Although this coverage may vary between insurance companies, it generally covers damages from fire, theft, vandalism, hail, falling objects, animals or fowl, natural disasters, and all glass breakage. Collision Insurance Coverage will help pay for repairs to your car after it has been damaged in a collision–such as hitting another object.

Comprehensive and collision coverages are optional; however, more often they are typically required as part of a car loan or lease agreement.  Think about this – when you cause an accident, what is your first thought?  Of course, its if everyone is okay, but then you see the damage and wonder how you’ll pay for the other driver’s damage. If you have liability coverage, this will may cover all of those costs. However, if you only carry liability insurance, you could be left to pay for your own damages out of your pocket.

OTHER VEHICLE COVERAGES

There are many other auto insurance coverages, some may qualify you for additional auto insurance discounts. These coverages include Glass Breakage Coverage, Emergency Roadside Assistance, GAP Insurance, and Rental Reimbursement Coverage. You can learn more about these coverage types, and additional coverages by visiting our Auto Insurance page, and by reading the Bodily Injury and Property Damage Coverage page in your policy.

Your search for  “Auto Insurance Arnold MO” is over.  Call an agent with MJM Insurance® of Fenton.  We will shop top rated auto insurance companies and find the coverages you need for the best value.

Auto Insurance Quote Arnold MO | (636) 343-5000

IAuto Insurance Quote Arnold MO | MJM Insurance® of Fenton (636) 343-5000f you have been searching for “Auto Insurance Quote Arnold MO,” you need to look no further.  MJM Insurance® of Fenton is a full service Independent Insurance Agency that represents many of Missouri’s premier insurance carriers.  An MJM Insurance® of Fenton agent shop top-rater companies and find the auto insurance you need for the best price.

We serve all of Saint Louis and Jefferson counties including Fenton, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills, Crestwood, Manchester and St. Clair.   Our professional insurance agents at MJM Insurance® of Fenton can help you get the best value for your auto insurance needs.

We proudly represent many of the industry’s leading national and regional Missouri insurance companies offering competitive rates through Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and dozens more. MJM Insurance® of Fenton agents are available for after hours appointments and Saturdays. We are dedicated to providing the most exceptional and timely customer service.

Although we are located in Fenton, we gladly help those who search for “Auto Insurance Quote Arnold MO.”  The best car insurance purchase decision is often made with the help of a local, professional insurance agent. Insurance protection is different for every driver and each type of vehicle. For example, people with good driving records pay less than a driver with traffic violations or collisions where they have been at fault.  Prices will also vary depending on where the driver lives.  A person who lives in a major city – for example St Louis, New York, Chicago or Los Angeles – will pay also pay more than someone who lives in a small town, despite the two have the same driving records.  For more information visit MJM Insurance® of Fenton or call to get the most affordable Auto Insurance Quote in Arnold MO.

MJM Insurance® of Fenton is committed to outstanding customer service.  We pride ourselves knowing that we offer the best insurance products at an affordable price that meets your needs. Our professional agents can handle your transactions with ease and help you understand your risks, the proper coverage, and benefits.

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance® of Fenton have strong credentials and stay on top of current trends in the insurance industry.  We can find the best Auto Insurance Quote Arnold MO agents can offer.

MJM Insurance® of Fenton has strong relationships with insurance carriers, allowing us to provide quick turnaround time on all your questions, needs, and insurance claims.  We train our staff members to be proactive and provide the right answers, helping our customers understand their insurance coverages.

Trust is the most important attribute in our agency.  We earn your trust by becoming your partner and ensure we listen to our customers and provide top notch service. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

Home Insurance Agent Arnold MO

If you have you been searching the internet for a “ Home Insurance Agent Arnold MO ”  your search is over!  The agents of MJM Insurance® of Fenton provide homeowners insurance and services by the top-rated insurance carriers in the country.  We have the products to protect your home in cases of fire, theft, storms and more.

Whether you’re just starting out renting or buying a home, or you’ve built the home of your dreams, MJM Insurance® of Fenton offers home insurance options that are right for you. We are your Home Insurance Agent of Arnold MO and can help you choose the best coverages to meet your needs.  From standard coverage options that provide basic protection for your home and property, all the way up to deluxe options that better protect your home’s value and assets like jewelry. You can even get coverage that protects you in the event of law suits or identity theft.  We also insure condos.

Home Insurance Agent Arnold MO | MJM Insurance® of Fenton (636) 343-5000

An MJM Insurance® Home Insurance Agent Arnold MO will get you the coverage you want with the savings you need. Our professional agents have access to a variety of insurance carriers that offer Homeowners Insurance, Renters Insurance, Landlord Insurance, Condo Insurance, Mobile Home Insurance, Catastrophe Insurance and more.

Since moving into your house, you’ve probably purchased a number of valuable items. At the very least, your house probably isn’t empty. Thankfully, your homeowners insurance covers some portion of your possessions after a loss, such as a fire or burglary. But how much does it cover, and is it enough to replace your most treasured assets?  How much have you thought about your insurance protection? If you have not taken a recent inventory and assessed the replacement value of your daily use items, it’s time for a review.  MJM Insurance® of Fenton agents have the tools and resources for you to take a proper inventory and make sure all the items are included.

Your basic homeowners insurance policy may not cover the replacement value of these items if they are destroyed or stolen. In this case, you may need to purchase a rider on your homeowners policy to cover these special items. Your local Home Insurance Agent Arnold MO can help to go over these items and the contents insurance needed to cover them.

MJM Insurance® of Fenton is committed to outstanding customer service.  We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance® of Fenton team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

Our “Home Insurance Agent Arnold MO” team is committed to professionalism.  Our dedication to superior client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance® of Fenton have strong credentials and all of our policies are presented to you in a consistent and professional manner.

Home Insurance Agent Arnold MO | MJM Insurance® of Fenton (636) 343-5000You can depend on us to solve problems quickly.  MJM Insurance® of Fenton has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

Our agents have a strong work ethic and are committed to earning and maintaining your trust.  We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

Your search for “Home Insurance Agent Arnold MO” is over.  Welcome to MJM Insurance® of Fenton.