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Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We can help you determine the best coverage for your needs.

How much auto insurance is right for you?

Our team of insurance professionals understands the Missouri car insurance needs of our customers.

Auto insurance requirements vary by state. In some states, to drive you must carry:

• Liability coverage to pay for losses you cause others
• No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault
• Both liability and no-fault coverage.

We write insurance nationwide and would be happy to help you ensure you have the right car insurance coverage.

Even in states where coverage isn’t required, by law drivers must be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

• Collision Insurance

  Collision coverage coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

• Comprehensive Insurance (Other than Collision)

  Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will probably need it if your car is financed.

Talk to us today to get a quote! Insurance Quote

Homeowners Insurance

We offer the following Coverage under our homeowner insurance

• Renters
• Landlord
• Mobile Homeowners
• Homeowners

These policies consist of:

Dwelling

Covers damage to the home and attached structures, such as a porch.

Enough to rebuild your home.

Other structures

Covers stand-alone structures on your property, such as a fence or shed.

10% of dwelling coverage.

Personal property

Pays to repair or replace stolen or damaged belongings.

50% to 70% of dwelling coverage.

Loss of use

Helps pay temporary living expenses while your home is being repaired.

20% of dwelling coverage.

Personal liability

Pays if you injure someone or cause property damage unintentionally or through neglect.

$100,000 to $500,000.

Medical payments

Pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.

$1,000 to $5,000.