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Home Insurance Arnold MO

5 Tips For Getting The Right Home Insurance

Home Insurance Arnold MO | MJM Insurance® of Fenton | (636) 343-5000You may think getting the right Home Insurance Arnold MO means just calling an agent, giving him your address, what year the home was built, and some details on the property is enough.  Does your agent come to your home and take photos?  Do you think about telling your agent you have a swimming pool – or do you know if you live in a flood zone?

What if you have an above ground swimming pool and it collapses, flooding your basement?  What if your neighbor’s tree falls on your home?   Do you have a record of the content in your home and how it is covered by your homeowners insurance?

It is imperative to inventory the contents in your home.  Our agents at MJM Insurance® of Fenton can help you identify items in your home that should be recorded as inventory and documented.

If you own your home, contents or personal property insurance will be part of your overall house insurance policy. If you rent, it’s still important to get contents insurance as your landlord’s building policy will not cover your belongings.  There are many options when it comes to insuring the contents of your home. Understanding the coverage you need and the pros and cons of the major insurers will help you get the best coverage for the best price.

Below are a few tips when you search for  “Home Insurance Arnold MO.”

1. Perform a proper valuation of your contents.

First, your MJM Insurance® of Fenton insurance agent will ask you to estimate the value of your belongings. If you combine contents insurance with a house policy, the contents portion is often valued at a percentage of the house value. If you do not establish a detailed valuation of your assets, it may leave you underinsured or paying premiums that are too high. You should list all your assets and give them a fair market value.

2. Understand the limitations of your coverage.

Regardless of the contents policy you choose, it will not cover every loss situation or every asset. Your MJM Insurance® of Fenton insurance agent will explain the “exclusions or limitations” of your homeowners insurance policy and make so that you have any addtional endorsement to ensure you are covered.  The most common mistakes homeowners make are thinking their home insurance policy covers everything and do no seek the services of a professional insurance agent.

3. Do not buy home insurance on price alone.

Beware of the commercials that advertise “home insurance for as little as $10 a month”.  These low-cost policies only cover the minimum, leaving you at great risk. Don’t settle for cheap insurance and lose the proper coverage, customer service or timely claims payments. Your home insurance is going to be in place for a long time, so choose a company with a good reputation and a policy that meets your coverage needs.  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.

4.  Expensive artwork, jewerly, and other “collectables” may need to be insured separately.

If you’re a collector of antiques or vintage items such as sports cards or antique glass, your collection will most likely not be fully covered under a standard contents policy. You may be able to obtain a rider on your policy to cover the collection, or you may have to obtain separate insurance for it. This is also true for large art collections and expensive jewelry.  If the collection is worth several hundred dollars or irreplaceable, you should have the items appraised. The appraisal certificate will be required by the insurance company to verify the contents exist.  We recommend keeping all your paperwork in a safe location, so that they are accessible in the event of a loss.

5. Shop price but compare ratings.Home Insurance Arnold MO | MJM Insurance® of Fenton | (636) 343-5000

As we have explained in other blog posts, every insurance company is rated by independent rating agencies. There are five major rating agencies that cover insurance companies, including A.M. Best and Standard & Poor’s. Standard & Poor’s provides ratings for entities that offer different types of insurance products and services including life insurance, property and casualty insurance, annuities, health insurance, reinsurance, title insurance, mortgage and bond insurance. Another rating agency is J.D. Power Insurance, they are your guide to finding which vehicle, health, and home insurers ranked highest in J.D. Power consumer studies.

More information about home insurance for Arnold Missouri can be found at Missouri Department of Insurance.  During your search for  “Home Insurance Arnold MO,” call an agent with MJM Insurance® of Fenton, we will be happy to assess your risks, shop top rated companies, and find the coverages you need for the best value.

 

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 Agent in Arnold MO | (636) 343-5000

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

If you have been searching online for “ Auto Insurance Agent in Arnold MO ”,  your search is over!  With more than 60 years of insurance experience, MJM Insurance® of Fenton is a full service Insurance Agency in Fenton Missouri an we also provide our products and services to the residents of Arnold Missouri.

The agents of MJM Insurance® of Fenton are fully licensed and comply with the Missouri Bureau of Insurance requirements.  Once a person receives a license they must comply with continuing education requirements.  Our Auto Insurance Agents in Arnold MO are required to maintain education requirements and complete courses approved by the Missouri Insurance Department.  All of our agents throughout the company are compliant and ready to work for you.  We serve all of Arnold, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills, Crestwood, Manchester and St. Clair.

So–if you are looking for an Auto Insurance Agent in Arnold MO, you need look no further. Our Agents are dedicated to providing every client with Arnold Missouri auto insurance coverages that are tailored to fit their individual needs. We provide the tools and resources necessary to help you understand your options.

MJM Insurance® of Fenton pride ourselves on the fact our clients trust the staff and licensed agents of our firm. Year after year, our team continues to review, improve, and renew our products about the agency; in addition to maintaining relationships with our valued carrier partners.  Our exceptional efforts and commitment ensure our clients’ fundamental insurance needs are met completely, competitively, proudly and locally by the staff at MJM Insurance® of Fenton .

MJM Insurance® of Fenton agents are advisors you can trust.  We have access to the best insurance carriers in the industry; purchasing insurance through your local independent agents is the best way to shop for auto insurance. Good insurance advice is crucial to your financial security. A local Auto Insurance Agent in Arnold MO who partners with some of the best insurance carriers in the country can offer insurance choices and options from a variety of companies—not just one. We are committed to being your advocate during times of need.

Top three benefits of using an MJM Insurance® Auto Insurance Agent in Arnold MO:

  1. Personal service
    Agents are trained to assess your needs, offer unbiased advice and support you should the unexpected happen.
  2. Peace of mind
    Your auto insurance agent is a member of your local community and can handle your full range of insurance needs all in one place.
  3. Value
    Your independent agent can access insurance coverage from multiple carriers – such as  Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend and Chubb –  to provide you with the best mix of savings and pricing.

Jeffrey Declue:  Auto Insurance Agent Arnold MO | MJM Insurance of Fenton (636) 343-5000MJM 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 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.

You 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.

Motorcycle Riding Safety | Fenton MO

Motorcycle Riding SafetyMotorcycle Insurance | MJM Insurance of Fenton | (636) 343-5000

So you bought a motorcycle…great choice!  You are most likely to save money on gas, parking, and repairs.  However, you are also most likely to not be seen by motorists in vehicles.  Proper riding gear is critical for motorcycle riding safety. Although Missouri has endorsed a bill that would allow motorcyclists to choose not to wear helmets; it is still current law to wear helmets. Read more about Missouri motorcycle law.

To ensure motorcycle riding safety you should invest in a DOT or Snell-certified helmet, eye protection, leathers, riding boots, and leather gloves. When it comes to buying riding gear, no piece of equipment is more important than a quality helmet. There are many styles and brands to choose from, which is why MJM Insurance® of Fenton knows choosing a motorcycle helmet can be as difficult as choosing the right motorcycle. More information can be found in the Missouri Motorcycle Operator Manual.

Another important step to motorcycle riding safety is having a regular maintenance routine. Establishing a regular motorcycle maintenance schedule can help you avoid potential safety issues. It’s also a good idea to become familiar with your bike’s owner’s manual as maintenance requirements can vary between models.

Motorcycle Riding Safety Checklist

Tires: Stay aware of the tread depth and look for unusual wear patterns. Always make sure your tires are at the correct pressure because low tires are likely to blowout and over-inflated tires wear more quickly.

Oil: Check your oil every couple weeks and keep up with regular oil changes. Changing your oil is a simple and an inexpensive way to keep your bike in good shape. If your bike is older or you drive it regularly for long distances, you’ll need to change your oil more often.

Lights and signals: Check your headlights, brake lights, high and low beams, and turn signals regularly. Remember motorists in larger vehicles may not see you on the road.  The last thing you want is to have an accident because your lights weren’t working.

Battery: Examine your battery and cables for corrosion or loose connections. Use a voltmeter to test the battery or visit your local repair shop.

Brakes: Be aware of the brake pad thickness and the brake fluid level. When brake pads wear thin, your ability to effectively stop is compromised. Top off low brake fluid to the “full” mark or change it according to your owner’s manual instructions.

Chain: Use a commercial spray to lubricate the chain liberally and often, especially if you’re riding your bike every day. Dryness causes friction that can lead to poor performance or the chain could potentially break while you’re riding.

Fuel: Examine the fuel lines, keeping an eye out for leaks or other damage.

Steering: Check and tighten your handlebars and the steering nut. Turn the bars to make sure your steering feels smooth and tight and replace the bearings if the steering feels loose in any way.

Once you have your bike, your safety equipment and are ready to ride…. you will need motorcycle insurance.  MJM Insurance® of Fenton offers exclusive coverage for both you and your ride.  Our agents are ready to help and will ensure you will receive the personalized attention you deserve. Getting affordable motorcycle insurance coverage doesn’t mean you have to sacrifice proper coverage, it means that we are finding the best deal with the best coverage!  Don’t forget you could also qualify for many discounts like multiple policy, good rider, homeowners and more!

Contact your Missouri Motorcycle Insurance specialist at  MJM Insurance® of Fenton for a no obligation, free risk assessment and insurance review. 

MISSOURI INSURANCE BLOG | MJM INSURANCE™ OF FENTON

 

Thank you for visiting our Missouri Insurance Blog!trustedchoice-trans1

First, allow us to introduce ourselves….

MJM Insurance™ of Fenton is an established full-service insurance agency.  As an independently owned Fenton Missouri insurance operation, our licensed agents have access to several A+ rated insurance carriers such as Safeco, The Hartford, Travelers, EMC, Progressive, MetLife, and dozens more. 

Our professional agents assess the risks and exposures the consumer may be facing.  Our goal is to shop insurance for the consumer – a/k/a “you!”  We shop multiple carriers and find you the best protection at the best price.  We’ll help save time and heartache trying to figure out which specific coverage goes with which type of risk.

The insurance products we offer include automobile, homeowners, business, power sports, life, and other specialty lines.  During the client risk assessment, our agents review coverage and compare how you’re currently protected, and provide recommendations about how you should be protected. The coverage includes liability, property damage, bodily injury, personal property, home and renters coverage, business liability, workers compensation, personal or business investments and much more.

So now you know!

It is our goal to ensure Missouri consumers are well-informed about insurance and protecting themselves and their families. Our agents offer the Missouri Insurance Blog to provide information and educational resources for drivers, homeowners, business owners and everyone in between!  This blog and our site are dedicated to providing Missouri consumers valuable information related to insurance products and risk management solutions. 

So why purchase your Missouri Insurance from us?

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.