What Is The Minimum Auto Insurance Coverage In Saint Charles, MO?

When you’re in Saint Charles, MO, it’s important to adhere to state minimums for auto insurance. If you are buying or leasing a vehicle, the lienholder may have a few requirements of their own, too.

The state of Missouri requires you to have liability insurance. This includes a $25,000 minimum for the physical injuries of one person and double that for the total bodily injury (or death) in an accident. Then, there needs to be another $10,00 for property damage per accident. All of this is for an accident caused by the person driving the insured vehicle.

At Nieroda Insurance Agency, we recommend seeking out more than the minimum auto insurance coverage. It can eliminate problems should you need to file a claim. Plus, it can reduce your out-of-pocket expenses if you are at fault for an accident.

You may want to have collision and comprehensive coverage so that you are protected against more scenarios. This would include colliding with a mailbox or getting hit in a parking lot without knowing who the other driver was. Anything can happen on and off the road, so it’s best to be covered.

If you have a lienholder, they may have specific coverage limit that you need to meet for liability, collision, and comprehensive coverage. Further, you may need to show them proof of insurance.

It’s important to have auto insurance that you can rely on. While you have no choice but to meet state minimums, you can choose to increase your coverage levels to higher amounts. You need to do what’s right for you and your budget, which is how an agent can help.

Contact us at Nieroda Insurance Agency today. One of our independent insurance agents can talk to you about the auto insurance minimums in Saint Charles, MO and make recommendations for other coverage.

 

When is umbrella insurance a necessity?

Having liability insurance is a great form of personal protection. Most people have liability insurance in place through their home and auto insurance policies. However, there are situations in which having more liability insurance is beneficial. One type of insurance that can provide you with additional liability insurance coverage is umbrella insurance. There are several situations in which having umbrella insurance is a practical necessity. 

You Don’t Have Base Insurance

The first situation in which you need to have umbrella insurance is when you do not have base insurance policies in place. If you do not have a home insurance policy in place, you likely have no personal liability insurance. If you do not have any liability insurance, it is important that you purchase an umbrella insurance policy to give you coverage. This is also the case if you have base insurance, but your liability coverage levels are too low for comfort.

Higher Risk of Lawsuits

Another situation in which you should consider getting umbrella insurance is if you have a higher risk of being sued for liability. If you are a public figure or high-net-worth individual, you may be more of a target for larger lawsuits. In these situations, one of the best ways to protect yourself from larger lawsuits is by having a full umbrella insurance policy in place. 

If you are shopping for umbrella insurance in the Saint Charles, MO area, you should speak with the team at Nieroda Insurance Agency to start your search. The professionals at Nieroda Insurance Agency excel at identifying when people are in need of additional liability insurance coverage. They can then help you get an umbrella insurance policy that meets your needs.

Home insurance for long-term asset coverage

It’s time to protect those assets because you never know when something could go wrong…or even incredibly right. You find out that gold coin your father, who just passed away and owned, is worth a fortune. You lose your house altogether but realize there were more invaluable assets in your other home or business location….and would not have known, had it not been for the house fire. You suddenly take an interest in getting your property appraised, but then after doing so, find out that it — and the possessions within it — are really not worth that much, all in all. Been in any of these situations or something else? 

We all know what it’s like, and there lies the value of getting some quality asset coverage when it comes to your affordable home insurance plan. You can add – on this supplemental protection and keep all your valuables safe, thereby maintaining your overall valuations just a little higher. After all, and as we just pointed out, you never know what your possessions cost (or could potentially cost, one day in the future), so it’s worth insuring them as best you can. 

Check out what an asset – based policy or annuity might do for your current situation, finances and all. And the best part is probably this: There are many forms you can choose from, usually, at least when it comes to providers like Nieroda. Have you heard of them? 

Nieroda Insurance Agency, assistance home insurance buyers in Saint Charles, MO, is here to offer advice, packages and more. Check them out today. You may come out a winner and get a great deal. What’s there to lose?

Premium increases won’t negatively affect our policy increases. We’re on top of that. Check us out today to learn more….. 

Insurance Differences if You Only Use Your Motorcycle On Vacation

Is Your Other Hat a Motorcycle Helmet?

Taking good care of yourself includes indulging your love of riding your motorcycle. Having adequate and appropriate motorcycle insurance is key to letting the good times roll. Being properly insured before you ride means you have one less HUGE thing to worry about and protection in place to replace or repair your bike or another vehicle should an accident occur.

In the state of Missouri, it is especially important to check with your local DMV to find out what type of insurance your bike requires. Because of the many areas of liability when it comes to motorcycle riding, there are many types of insurance coverage which can include personal injury, property damage, medical payment insurance, etc.   

The General Rule

If the motorcycle is under lock and key and not being used with the exception of a few days out of the year, your motorcycle liability can be drastically reduced. There are too many exceptions to keep it simple. If it’s not on the road as a registered bike every day of the year, it is imperative to contact an agent to make sure you are adequately covered. 

Come Indoors to Insure Your Love of the Outdoors 

Weather permitting, bring the chopper into Nieroda Insurance Agency located in Saint Charles, MO and help us understand what you need. Our agents will take the time to learn about your motorcycle insurance situation by speaking with you about your hobby and answering any questions you may have.

Stop by our office in Saint Charles, MO today no matter what mode of transport you employ. We are also available by telephone at 636-255.0550. We are more than pleased to speak with you regarding any type of insurance you may need or have currently.

3 Tips for Boat Safety

Whether you are new to boating or are a seasoned veteran, you should know that cruising on a body of water can sometimes be dangerous. Just like when operating a car in Saint Charles, MO, there are some things you should and shouldn’t do to ensure you and your passengers are safe. When you don’t follow the proper safety procedures, you may end up putting yourself and everyone else on the water with you in danger. Here are three tips for boat safety.

Legal Operating Age

Driving a boat is just like driving a car or riding a motorcycle, there is an age limit one must be before getting behind the wheel of a vessel. It is essential that you check with the local regulations before allowing anyone not of the legal age to operate a boat. If you are caught allowing someone underage or inexperienced driving your boat, you may be found at fault.

Have Safety Gear On Board

You should have the proper safety gear on board with you at all times. Whether you plan to go out fishing for an hour or have a full day of water activities planned, it is crucial for your safety and the safety of your passengers that you have the appropriate safety gear on board. Life vests are essential, even for strong swimmers falling in the water can be fatal, especially if you hit your head or are temporarily confused. A life vest will allow your body to come to the surface, allowing you to breathe.

Do Not Drink and Boat

Having a cocktail or two while relaxing by the water can be fun but do not do it before getting on a boat. Drinking and driving a boat puts you, your passengers and everyone else on the water at serious risk. It is also illegal to drink and operate a boat, so if you are caught, you may face up to the same criminal charges as you would if you were operating a car while intoxicated.

Boating is a great way to spend the day, but it is essential that you do it safely. If you are new to boating and unfamiliar with the rules of the water and how to stay safe, consider taking a boat safety course and be sure to discuss your insurance options with Nieroda Insurance Agency.

Residents of Saint Charles, MO interested in learning more information about boat safety and boat insurance should contact Nieroda Insurance Agency.

Two Reasons to Consider Renter’s Insurance in Missouri

According to U.S statistics, 35% of the country’s population live in rental homes, and this should mean that a good percentage of the population should also acquire renters insurance. However, a recent survey conducted showed that about half of renters aged between 22 and 30 have not procured this type of insurance, which subjects them to a huge risk. At Nieroda Insurance Agency, serving Saint Charles, MO, we are an insurance agency that does not only provides renters insurance but also teaches clients why it is beneficial to procure renter insurance. Security for your belongings and property should be a concern for all renters.

Below are two reasons why Nieroda Insurance Agency suggests renter’s insurance for Missouri residents:

1. Providing security to your guests

This is applicable for aggressive pets, for example. If a guest is bitten accidentally by one of your pets while at your home, then you are liable for their medical bills. If you have a renter’s insurance policy, the costs may be covered by liability in your policy. You will need to discuss the details with your insurance agent before filing a claim. This type of policy is good for handling liability issues when an incident occurs that is due to your negligence or actions.

2. Coverage for damages caused by fires or weather to your belongings

A landlord’s policy will not cover your belongings from damages due to weather or a fire. If the incident is not due to your negligence, a renter’s insurance policy will gladly repair or replace your possessions should a covered peril occur. If you have higher end items, you will need to let your insurance agent know so that they can determine if you will need additional coverage. It is also wise to make an inventory of your most valued possessions to make sure that you have the appropriate amount of coverage.

Contact the agents of Nieroda Insurance Agency in Saint Charles, MO to get a quote on a renter’s insurance policy and to learn more.

Do I need flood insurance in low risk areas?

It is possible to avoid unexpected surprises and huge losses when you understand how prevalent floods are in Saint Charles, MO. However, with current storms and hurricane patterns becoming increasingly unpredictable in recent years, prevention is better than cure, and thus you need to purchase sufficient flood insurance from Nieroda Insurance Agency. Interestingly, some homeowners are not sure whether it is advisable to buy flood insurance in low-risk areas. Here are a few considerations.

It is not easy to assess flood risk

According to an article written by various contributors including authors from FEMA, it was established that assessing flood risk can sometimes be confusing. One candid opinion from an interviewee; it is easier to assess earthquake than flood risk. The opinion of scientists and flood risk experts in the article underscored the significance of purchasing flood insurance. Moreover, there have been claims that FEMA is not good at predicting flash floods, because, in most cases, it focuses on river flooding.

Flooding outside high risk flood areas

For example, during the last week of May 2015, 311 calls related with flooding were geocoded from Houston, TX, which was considered a 1% annual chance of floods by FEMA. In other words, a lot of flooding was recorded outside places regarded traditionally as high risk than inside. This is an indicator that you cannot decide that you don’t need flood insurance simply because according to the FEMA map, you’re outside the high risk flood zones.

If you see signs such as erosion or ponding on your property or an elevation by FEMA in relative to the areas close to your home, then you need flood insurance. Moreover, the cost of repairs and replacement after a flood disaster outweigh the flood insurance premiums. Therefore, to be on the safer side, you should purchase flood insurance from Nieroda Insurance Agency. Contact us today for more information about flood insurance in Saint Charles, MO.

Myths about Condo Insurance

The Truth about Condo Insurance

Once you own a condo in Saint Charles, MO, it’s time to shop for condo insurance from an agent at Nieroda Insurance Agency. Don’t let these common myths fool you into not getting the right coverage.

Myth 1: My condo association already has insurance, so I don’t need it.

The insurance coverage from your condo’s master policy won’t protect you or your belongings. This coverage only applies to damage to the building and common areas. Every condo owner should have insurance to protect what is inside the unit.

Myth 2: Condo insurance only protects your belongings.

Condo insurance coverage will do more than just protect your belongings. Just like homeowners insurance, condo insurance comes with some liability coverage. Some policies will even cover additional costs to improvements you made in the unit, additional living expenses if you can’t live in your unit, and additional protection to cover you if your condo association doesn’t have adequate coverage.

Myth 3: Condo insurance will cover everything in the unit.

There is usually a limit on condo insurance policies for things like jewelry, watches, fur, or gems. If your jewelry and other special items are worth more than the limit, you will want to purchase additional coverage.

Myth 4: Condo insurance covers water damage.

Condo insurance likely won’t cover damage caused by sewer backups or overflowing water from rain or spring runoff. It’s a good idea to check with your policy, so you know what is covered.

Myth 5: If I rent my condo, my coverage will cover my tenants’ belongings.

Your rented condo insurance won’t extend to your tenants or their belongings. They will need their own renter’s insurance policy to cover their belongings and liability claims.

Contact Nieroda Insurance Agency, serving Saint Charles, MO, to get a quote on condo insurance.

Considerations When Selecting Your Medical Insurance

There are many factors to consider before selecting a medical plan. While many people have coverage through an employer, you may pay for your own medical insurance. Either way, you want the best options you can afford, including prescription, medical, and emergency care, such as ambulance transportation. Ask your Nieroda Insurance Agency representative for more information. In the meantime, here are some tips to get you started selecting your medical insurance in Saint Charles, MO.

General Practitioner Coverage

Some healthcare policies have a pre-approved network of doctors. If you want to keep your current physician, check whether they accept the health care plan you’re purchasing. To choose a new doctor, check out the directory provided by your insurer or ask for a recommendation.

Refer to the American Medical Association for reviews and complaints. Make sure the office hours match your availability.

Emergency and Hospital Care

Figure out what hospitals and emergency rooms your plan covers. It’s important to check the fine print on this portion of your coverage since various plans have unique definitions of what constitutes an emergency. Something that seems obvious to you may not be covered, for example. 

Prescription Drugs

Prescription drugs can be very expensive to pay out of pocket. If you have a monthly prescription, you need to choose a health care plan that covers that. Also, consider whether the coverage is mail order or pick up from a pharmacy and choose the plan that best suits your requirements.

Contact Us

Contact Nieroda Insurance Agency for all your insurance issues. Feel free to ask any questions about obtaining health insurance in Saint Charles, MO or make an appointment for a quote.

 

 

Life Insurance: Is It Really Necessary for Your Situation?

Do you need life insurance?

A lot of people need it but don’t have it. Others have it, but they may not need it. Like other forms of insurance protection, there are many options for how much coverage to get and what type of policy you should have. The Nieroda Insurance Agency serves the Saint Charles, MO area, and can advise you on the kinds of life insurance policies available. Then you can work with an agent to choose the policy that’s best for you, and decide what level of coverage you need and want to have.

With life insurance comes peace of mind, for you and your family. That allows you to be protected, and helps to make sure your family will also be protected if something should happen to you. Especially if you’re the main supporter of the household, having life insurance can make a difficult situation a little bit easier. But there are some cases where it may not be necessary, or where a high level of coverage isn’t practical. In those cases, it’s better to have options and to be an informed consumer so you can make the right choice for your needs.

Reach out to us at the Nieroda Insurance Agency today, and let us help you find the policy that’s going to be the right choice. We proudly serve all of the Saint Charles, MO area, and have helped many customers just like you get the policy that fits their situation and needs. Contact our offices to speak with an agent and learn more about the benefits of a life insurance policy as well as the options we provide. We can help you get a quote and walk you through the life insurance process.