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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 Coverages – Quick Video!

What’s In Your Policy?

Mortgage lenders will require homeowners to insure their home for at least the value of the money you borrowed. Check out this quick video to learn about Missouri Home Insurance Coverages, the basic homeowner coverages and options, that may be available to you. Contact one of our licensed agents for a free consultation today. (636) 343-5000

 

Missouri Home Insurance Coverages

From the Basic Coverages to Custom Packages

 

Missouri Home Insurance Coverages | MJM Insurance of Fenton | (636) 343-5000

MJM Insurance of Fenton understands the various needs of Missouri homeowners, and can help homeowners understand the available Missouri Home Insurance Coverages.  Our agents will conduct a free review of the homeowner’s current situation and create a custom homeowner insurance package that specifically protects the individual and/or family with dwelling, personal property, other structures, liability, medical, and specialized insurance coverages. Read more

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.

Fenton Missouri Homeowners Insurance Coverage

Double check your Fenton Missouri Homeowners Insurance policy to make sure you’re completely covered.

Most years, hurricanes threaten the U.S. East Coast while wildfires and floods often plague the west and tornadoes remain a concern throughout much of the Midwest.  It is prime season for homeowner’s claims too, as residences often bear the brunt of all this wild weather. It’s also a good time for you to talk with your MJM Insurance® of Fenton agent to double-check your Fenton Missouri Homeowners Insurance Coverage and make sure you have enough protection in place should the worst happen to your home.

Nearly 2/3 of U.S. homes are underinsured, leaving almost two out of every three American homeowners at risk of financial disaster in the event of a catastrophe; meaning someone whose house cost $200,000 to replace would find themselves short by $36,000. Millions of homeowners throughout the nation are at risk of major financial loss should a natural disaster hit their neighborhood.Fenton Missouri Homeowner Insurance Coverage | MJM Insurance® of Fenton (636) 343-5000

Homeowners are often content with “guaranteed-replacement” or “extended-replacement” policies, which sound like they’ll cover the rebuilding of a home regardless of the cost. But true guaranteed-replacement policies are almost extinct, and virtually all insurers cap their payouts at 100% to 150% of the amount for which the home is insured.  A helpful tool when calculating the value/replacement cost of your home is AccuCoverage. The calculator walks you through a questionnaire that usually takes 20 to 30 minutes to complete and provides an estimated replacement cost.

Here are some of the more common mistakes that homeowners make that put them at risk.

Remodeling.

Renovating a home can be rewarding, but a costly experience.  Although remodeling your home may increase the property value; many people forget to call and update their home’s value.  Certain property improvements might even trigger new types of coverage as well.  For example, if a homeowner installs a swimming pool, they may need to upgrade homeowners insurance coverages.

Just covering your mortgage.

In an ideal world, the amount we owe on our home should be less than the actual value of our home. The 2008 real estate crash pretty well laid that “rule” to rest, but the fact remains that too many people just think about their mortgage value when selecting their homeowners policy. So, in the event of a loss, these homeowners can pay off their mortgage but not necessarily rebuild their home.

Wait, they update building codes?

Construction standards have evolved greatly over the decades. As a result, a lot of the work that was done years ago on older homes may not pass muster with today’s more stringent building code standards. That means, in the event of a disaster, older homes will need to not only be rebuilt, but brought up to code as well.  This can get expensive, and needs to be taken into account when updating homeowners insurance policies.

If you or someone you know have made modifications to the home, contact MJM Insurance® of Fenton for a free evaluation of your Fenton Missouri Homeowners Insurance Coverage to make certain your valuables are protected, just in case of a loss.  It’s better to be safe than sorry.

 


Why Choose MJM Insurance® of Fenton?

We’re 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.

We’re committed to professionalism

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 all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving 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.

We’re 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.

Does Home Insurance Cover Flood?

Many homeowners do not know they are at risk.

When buying a new home, typically the owners purchase insurance to cover the structure, personal items and medical in case someone is hurt on their property.  In most cases; however, the policies do not include flood damage. Standard policies do not cover damage caused by sewer backup or floods inside of your house, so you should buy a separate policy or endorsement to add the coverage to your home insurance policy.  The typical cost is approximately $40 to $50 per year.

Home Flood Insurance | MJM Insurance of Fenton

Unfortunately, we have seen new homeowners who have flood insurance with the bare minimum coverage, or their policy was limited. For example, Bob and Sue had a separate flood insurance policy in addition to their homeowners insurance. Although the area they lived in was not known for floods or near a water source (lake/ocean), they purchased the minimum coverage “just in case”.  Their policy was limited to $19,500 for damage to the house and $9,500 for the loss of its contents.  Like many people, Bob and Sue figured it was enough insurance, and didn’t see any reason to spend more than they had to on insurance coverage.

A few years later, the area that Bob and Sue lived was hit by a tropical storm and destroyed everything in the basement and garage. The water damaged all the walls, down to the wood studs.  The electrical system was destroyed along with the furnace, appliances, furniture, and stored items. The damage added up to $80,000.

Homeowners are at risk of losing all their valuables from a flood and not able to recover from a loss.  Its easy to protect yourself, and cost effective. You can buy flood coverage from MJM Insurance® of Fenton through the National Flood Insurance Program.  The maximum coverage is $250,000 for replacement value of the structure and up to $100,000 (actual cash value) for your personal possessions. The cost for flood insurance coverage in low-to-moderate-flood-risk areas may range between $414 to $1,958; averaging around $650/year.  Naturally, premiums run higher in high-risk coastal, riverside, and other areas.

If your home is subject to other perils not covered by your standard policy, including earthquakes, hurricanes, and hail, you should fill the gap with additional separate policies.  The agents at MJM Insurance® of Fenton will review your policy and ensure you are properly covered and completely protected.


Why Choose MJM Insurance® of Fenton?

We’re 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.

We’re committed to professionalism

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 all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving 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.

We’re 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.

Tornado Preparation and Safety TIPs | Fenton Missouri

Tornadoes are Extremely DangerousTornado Preparation & Safety TIPS | MJM Insurance of Fenton (636) 343-5000

Tornadoes are one of nature’s most violent storms that occur in Fenton Missouri. MJM Insurance® of Fenton would like to make certain you have the right coverages on your home insurance in case your home is damaged by a tornado. The following tornado preparation and safety TIPs will help to save lives and lessen injuries and property damage.

 Spawned from powerful thunderstorms, tornadoes can cause fatalities and devastate a neighborhood in seconds. A tornado appears as a rotating, funnel-shaped cloud that extends from a thunderstorm to the ground with whirling winds that can reach 300 miles per hour. Damage paths can be in excess of one mile wide and 50 miles long.

Every state is at some risk from this hazard. Some tornadoes are clearly visible, while rain or nearby low-hanging clouds obscure others. Occasionally, tornadoes develop so rapidly that little, if any, advance warning is possible. Before a tornado hits, the wind may die down and the air may become very still. A cloud of debris can mark the location of a tornado even if a funnel is not visible. Tornadoes generally occur near the trailing edge of a thunderstorm. It is not uncommon to see clear, sunlit skies behind a tornado.

Tornado Preparation & Safety TIPs: How to Prepare for a Tornado

This article has been prepared to provide information about Tornado Preparation & Safety TIPs in Fenton Missouri.  Below are important links from the www.ready.gov site.

 Tornado Preparation & Safety TIPs: Before a Tornado Strikes

  • To begin preparing, you should build an emergency kit and make a family communications plan.
  • Listen to NOAA Weather Radio or to commercial radio or television newscasts for the latest information. In any emergency, always listen to the instructions given by local emergency management officials.
  • Be alert to changing weather conditions. Look for approaching storms.
  • Look for the following danger signs:
    • Dark, often greenish sky
    • Large hail
    • A large, dark, low-lying cloud (particularly if rotating)
    • Loud roar, similar to a freight train.
    • If you see approaching storms or any of the danger signs, be prepared to take shelter immediately.

Tornado Preparation & Safety TIPs: Tornado Facts

Quick facts you should know about tornadoes:

  • They may strike quickly, with little or no warning.
  • They may appear nearly transparent until dust and debris are picked up or a cloud forms in the funnel.
  • The average tornado moves Southwest to Northeast, but tornadoes have been known to move in any direction.
  • The average forward speed of a tornado is 30 mph, but may vary from stationary to 70 mph.
  • Tornadoes can accompany tropical storms and hurricanes as they move onto land.
  • Waterspouts are tornadoes that form over water.
  • Tornadoes are most frequently reported east of the Rocky Mountains during spring and summer months.
  • Peak tornado season in the southern states is March through May; in the northern states, it is late spring through early summer.
  • Tornadoes are most likely to occur between 3 pm and 9 pm, but can occur at any time.

Tornado Preparation & Safety TIPs: Know the Terms

Familiarize yourself with these terms to help identify a tornado hazard:

Tornado Watch – Tornadoes are possible. Remain alert for approaching storms. Watch the sky and stay tuned to NOAA Weather Radio, commercial radio or television for information.

Tornado Warning – A tornado has been sighted or indicated by weather radar. Take shelter immediately.

Tornado Preparation & Safety TIPs:  During a Tornado

If you are under a tornado warning, seek shelter immediately!  Most injuries associated with high winds are from flying debris, so remember to protect your head.

IF YOU ARE IN: THEN:
A structure (e.g. residence, small building, school, nursing home, hospital, factory, shopping center, high-rise building)
  • Go to a pre-designated area such as a safe room, basement, storm cellar, or the lowest building level. If there is no basement, go to the center of a small interior room on the lowest level (closet, interior hallway) away from corners, windows, doors, and outside walls. Put as many walls as possible between you and the outside. Get under a sturdy table and use your arms to protect your head and neck.
  • In a high-rise building, go to a small interior room or hallway on the lowest floor possible.
  • Put on sturdy shoes.
  • Do not open windows.
A manufactured home or office
  • Get out immediately and go to a pre-identified location such as the lowest floor of a sturdy, nearby building or a storm shelter. Mobile homes, even if tied down, offer little protection from tornadoes.
The outside with no shelter If you are not in a sturdy building, there is no single research-based recommendation for what last-resort action to take because many factors can affect your decision. Possible actions include:

  • Immediately get into a vehicle, buckle your seat belt and try to drive to the closest sturdy shelter. If your vehicle is hit by flying debris while you are driving, pull over and park.
  • Take cover in a stationary vehicle. Put the seat belt on and cover your head with your arms and a blanket, coat or other cushion if possible.
  • Lie in an area noticeably lower than the level of the roadway and cover your head with your arms and a blanket, coat or other cushion if possible.

In all situations:

  • Do not get under an overpass or bridge. You are safer in a low, flat location.
  • Never try to outrun a tornado in urban or congested areas in a car or truck. Instead, leave the vehicle immediately for safe shelter.
  • Watch out for flying debris. Flying debris from tornadoes causes most fatalities and injuries.

Tornado Preparation & Safety TIPs: After a Tornado

Injury may result from the direct impact of a tornado or it may occur afterward when people walk among debris and enter damaged buildings. A study of injuries after a tornado in Marion, Illinois, showed that 50 percent of the tornado-related injuries were suffered during rescue attempts, cleanup and other post-tornado activities. Nearly a third of the injuries resulted from stepping on nails. Because tornadoes often damage power lines, gas lines or electrical systems, there is a risk of fire, electrocution or an explosion. Protecting yourself and your family requires promptly treating any injuries suffered during the storm and using extreme care to avoid further hazards.

Injuries

Check for injuries. Do not attempt to move seriously injured people unless they are in immediate danger of further injury. Get medical assistance immediately. If someone has stopped breathing, begin CPR if you are trained to do so. Stop a bleeding injury by applying direct pressure to the wound. Have any puncture wound evaluated by a physician. If you are trapped, try to attract attention to your location.

General Safety Precautions

Here are some safety precautions that could help you avoid injury after a tornado:

  • Continue to monitor your battery-powered radio or television for emergency information.
  • Be careful when entering any structure that has been damaged.
  • Wear sturdy shoes or boots, long sleeves and gloves when handling or walking on or near debris.
  • Be aware of hazards from exposed nails and broken glass.
  • Do not touch downed power lines or objects in contact with downed lines. Report electrical hazards to the police and the utility company.
  • Use battery-powered lanterns, if possible, rather than candles to light homes without electrical power. If you use candles, make sure they are in safe holders away from curtains, paper, wood or other flammable items. Never leave a candle burning when you are out of the room.
  • Never use generators, pressure washers, grills, camp stoves or other gasoline, propane, natural gas or charcoal-burning devices inside your home, basement, garage or camper – or even outside near an open window, door or vent. Carbon monoxide (CO) – an odorless, colorless gas that can cause sudden illness and death if you breathe it – from these sources can build up in your home, garage or camper and poison the people and animals inside. Seek prompt medical attention if you suspect CO poisoning and are feeling dizzy, light-headed or nauseated.
  • Hang up displaced telephone receivers that may have been knocked off by the tornado, but stay off the telephone, except to report an emergency.
  • Cooperate fully with public safety officials.
  • Respond to requests for volunteer assistance by police, fire fighters, emergency management and relief organizations, but do not go into damaged areas unless assistance has been requested. Your presence could hamper relief efforts and you could endanger yourself.

Inspecting the Damage

  • After a tornado, be aware of possible structural, electrical or gas-leak hazards in your home. Contact your local city or county building inspectors for information on structural safety codes and standards. They may also offer suggestions on finding a qualified contractor to do work for you.
  • In general, if you suspect any damage to your home, shut off electrical power, natural gas and propane tanks to avoid fire, electrocution or explosions.
  • If it is dark when you are inspecting your home, use a flashlight rather than a candle or torch to avoid the risk of fire or explosion in a damaged home.
  • If you see frayed wiring or sparks, or if there is an odor of something burning, you should immediately shut off the electrical system at the main circuit breaker if you have not done so already.
  • If you smell gas or suspect a leak, turn off the main gas valve, open all windows and leave the house immediately. Notify the gas company, the police or fire departments, or State Fire Marshal’s office and do not turn on the lights, light matches, smoke or do anything that could cause a spark. Do not return to your house until you are told it is safe to do so.

Safety during Clean-up

  • Wear sturdy shoes or boots, long sleeves and gloves.
  • Learn proper safety procedures and operating instructions before operating any gas-powered or electric-powered saws or tools.
  • Clean up spilled medicines, drugs, flammable liquids and other potentially hazardous materials.

FEMA Publications

If you require more information about any of these topics, the following resources may be helpful.

Related Websites

Find additional information on how to plan and prepare for a tornado and learn about available resources by visiting the following websites:

Listen to Local Officials

Learn about the emergency plans that have been established in your area by your state and local government. In any emergency, always listen to the instructions given by local emergency management officials.

What You Should Know about how Home Insurance Works with Tornado Damage

You don’t have to be a resident of the south or the midwest, where recent tornadoes wreaked havoc on thousands of lives, to get the message being sent by Mother Nature. It seems that she, too, is a strong advocate of homeowner’s insurance. And occasionally, she flexes her abilities to remind everyone within her reach about its importance.

But even those who have home insurance have been having trouble getting compensated for their losses, through no fault of the insurance companies. The fact is, tornado insurance is great to have, but if you don’t understand how it works, it can be pretty useless to you.

One of the things most often forgotten, and something that insurance agents are currently seeing a lot of in the wake of the recent tornadoes, is a lack on the part of insurance holders to catalog their possessions. You don’t have to go through your home jotting down every single refrigerator magnet – but if you intend to have that priceless grandfather clock insured, you’d better have record of its existence, as well as its value.

MJM Insurance® of Fenton insurance agents strongly urge our customers to use a camera to catalog all expensive belongings, and to gather as much proof of ownership and proof of value as possible so that there are no problems filing a claim in the event of disaster.

Why Choose MJM Insurance® of Fenton?

We’re 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.

We’re committed to professionalism

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 all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving 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.

We’re 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.

Home Insurance Claim Process | Fenton MO

What Happens When Your Home Is Damaged by a Storm, Fire, or Water?Fenton Missouri Home Insurance Claims Process by MJM Insurance® of Fenton (636) 343-5000

(1) Call Us. The home insurance claim process does not have to be difficult.  Your local MJM Insurance® of Fenton Agents are always available to help you. Please call our Fenton Missouri office, and we’ll guide you through every step to make your experience go as smooth as possible.  (636) 343-5000.  We help our clients with the claims process, regardless of how small or large the damage may be.

(2) Safety First!  Make sure you family is safe and your property is protected from further damage by following some simple steps:

  • Most Fenton Missouri Home Insurance Policies require the insured to do what is reasonable to prevent further damage to the property.  You or your contractor should patch walls or roofs by covering them with tarps, or cover shattered windows with plywood or heavy plastic.  Please be careful and have a licensed contractor perform any dangerous task, such as repairs to the roof.
  • Keep receipts and invoices associated with any emergency repairs to give to your claim representative. In the event your home is unlivable, save any receipts associates with costs for motel rooms, meals, etc. These may be reimbursable items as well.
  • Take inventory in each room of the house and provide a written assessment of all damaged/missing property, including descriptions, cost of items, and when items were purchased. Serial numbers or other identifiable marking are helpful as well.
  • For water damage, you may contact a company that specializes in water extraction and water damage mitigation.  Your MJM Insurance®  of Fenton agents will have a list of companies available in your area.

(3) Property Inspection.  Once you’ve reported your claim, the insurance carrier will have a claims specialist contact you (generally within 24 hours) to establish a date for inspecting the damages. The claims adjuster will come to your property and assess the damage, take photos, help you organize temporary repairs, or emergency services.

(4) Pay Your Deductible.  The insurance carrier will give you a complete damage estimate after a loss. This estimate will show the total dollar amount of your covered loss, less your deductible and depreciation (if applicable), and the net amount that will be paid toward the loss.

(5) Find a Contractor.  Most insurance carriers have a network of contracts to provide construction repairs following a property loss. Your claim service associate would be able to assist you to scheduling an inspection of your property and arrange for repairs. Using network contracts has its advantages as the insurance companies have pre-negotiated standards for the contracts to abide by such as:

  • Warranties on materials and labor provided
  • Contractors who have proper credentials and industry experience
  • Financially stable firms
  • Proper licensing
  • Worker’s compensation insurance protection for the contractors and workers
  • Strict performance standards that are monitored and measured

(6) Settlement Check.  In the event of a covered loss, most carriers will first pay you the Actual Cash Value (ACV) (actual cost less depreciation) for the damage to your property. When you replace the item or complete the specified repairs, the insurance carrier will pay you the difference between the replacement cost and the actual cash value amount previously paid. The total amount you will be reimbursed is subject to the terms and conditions of your particular policy, including deductible and limits. This may vary from company to company. You will receive a settlement check from your insurance provider, as soon as they have confirmed coverage and completed an investigation and comprehensive damage estimate. Every effort is made to issue payment on the claim as quickly as possible. If necessary, you may receive other authorized supplemental checks once proper re-inspections are performed or when your claim adjuster prepares a supplemental estimate. Your insurance carrier may be required by state laws and policy language to include any mortgagees/ lien holders on your settlement check(s).  If a mortgagee/lien holder’s name appears on your settlement check(s), the mortgagee/lien holder must sign off on the check before it can be cashed. You should contact your mortgagee/lien holder directly to determine the process for co-signing/cashing settlement checks.

_____________________________________

Why Choose MJM Insurance® of Fenton?

MJM Insurance® of Fenton opened in 2002.  With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent specializing in automobile, homeowners, renters, boat, motorcycle, commercial automobile, workers compensation, and general liability.  We proudly serve all of St. Louis and Jefferson counties including Fenton, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Wildwood, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills, Crestwood, Manchester, and St. Clair.

MJM Insurance® of Fenton represents many of the industry’s premier national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and many more.

For our clients’ convenience, our Insurance Agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9 to 5 (don’t be surprised to find us here much later or on weekends).  We are dedicated to providing the most exceptional and timely customer service in the industry.

For Your Business

Our Business offerings include insurance products and risk management services–we are your full service insurance solution–from commercial property and casualty to employee benefits–we have you covered.  There is no need to have multiple agencies to provide the coverages and services for your business.

For Your Personal Life

Our Personal Insurance and Financial Services offerings also include insurance products and risk management services–we are your full service insurance solution–from auto, home, boat, RV, motorcycle, and power sports to health, life, and fixed annuities–we have you covered.  There is no need to have multiple agencies to provide the insurance coverages and financial services for your personal needs.

The Best Value and Customer Service 

We combine years of experience and top-rated companies and products to provide exceptional service and value to our clients.  Our trained, professional staff will do the research, analysis, and shopping for you.  You save time and money and get the best value for the insurance and services you need.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Fenton Missouri Home Insurance you need.

The Best Missouri Home Insurance for You

Home Insurance by MJM Insurance of Fenton (636) 343-5000We find the Best Missouri Home Insurance for You.

There are many ways to purchase the Best Missouri Home Insurance.   You can call an 800 number and buy it over the phone directly from a Missouri Home Insurance company. You can buy it over the Internet. You can call an insurance agent. You may be able to buy it at your bank or credit union.  The choices are many and challenge to purchase the Best Missouri Home Insurance to meet your needs is not that easy.

In the midst of all the insurance commercials and advertisements, it may seem that Home insurance is just a commodity–a product that is the same at every company.  It’s not.  Home Insurance policies in Missouri can be  very different and have very different cost.   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.  
To learn about more Missouri Home Insurance, please visit our Missouri Home Insurance Information page.

With hundreds of Missouri Home insurance companies and the many different policies, the best Home insurance purchase decision is often made with the help of a professional insurance agent.  Our insurance agents are ready to help!

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MJM Insurance® of Fenton opened in 2002 as a full service Independent Insurance Agency that represents many top-rated companies.  We assess risks and shop companies to find the best coverage for the price.  One of our Insurance Agents can help you get the best value for the insurance you need.

With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent specializing in automobile, homeowners, renters, boatmotorcycle, commercial automobile, workers compensation, and general liability.  We proudly serve all of St. Louis and Jefferson counties including Fenton, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Wildwood, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills, Crestwood, Manchester, and St. Clair.

MJM Insurance® of Fenton represents many of the industry’s premier national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and many more.

For our clients’ convenience, our Insurance Agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9 to 5 (don’t be surprised to find us here much later or on weekends).  We are dedicated to providing the most exceptional and timely customer service in the industry.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best Missouri home insurance value for you.

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 Personal Insurance Coverage for Different Needs

On the right sidebar of this page, we have include links to a number of personal insurance resources.  Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages.   Please call one of our insurance agents for any assistance.