If you don’t own your home, it’s still important that you carry insurance on your belongings so that you’re protected in the event of a fire, theft, or natural disaster. Rental insurance can help replace anything that you lose in these situations, ensuring that everything inside of your rental unit is insured in case an adverse event occurs. Individuals who need rental insurance can contact the Nieroda Insurance Agency, serving the Saint Charles, MO area, to learn more about how to obtain appropriate coverage. 

Student Housing
If you live in student housing, be sure to protect your belongings against fire, theft, or loss. There are often specific policies designed for college students, and your insurance agent can speak to you about the type of policy that’s best for you. This will help ensure that you have the right amount of coverage for your belongings and aren’t carrying more coverage than you need. 

Apartment Dwellers
Individuals or families living in apartments should also consider purchasing rental insurance. Often it is a stipulation of your lease that you carry this type of policy, protecting your landlord from liability in the event of theft, fire, or natural disaster. An insurance agent can review how much you have in your rental and help you select the policy that’s right for you and your family. 

Senior Living Facilities
If you’re living in a senior living facility, it may still be important to carry rental insurance on your belongings. Some independent senior facilities, like condos or townhomes, provide you with quite a bit of space. It’ll be important to protect your personal items with an insurance policy. 

Rental insurance is often overlooked but is extremely important. If you don’t own the property that you reside in, contact Nieroda Insurance Agency in Saint Charles, MO to learn more about this type of insurance. They can assist you each step of the way, helping you to decide on the policy that’s perfect for you and your family. 

Based in Saint Charles, MO, Nieroda Insurance Agency assists the community by offering residents different types of insurance coverage. We are committed to helping our clients through every step of the process, so that they can find insurance coverage that fits their individual needs.

Flood Insurance

Several areas in Missouri are prone to high-risk flooding. Severe flooding has the potential to cause serious damage. As a Saint Charles, MO resident, consider the benefits of flood insurance. Flood insurance protects your property if it is damaged due to severe flooding. The policy also covers your personal items if they are damaged as a result of severe flooding. Flood insurance provides a safety net if a disaster should arise.

If you have any luxury items such as antiques in your home, you may have to amend your policy in order to fully cover those items. Also, make sure that your home has been appraised before you research different policies. This will give you an accurate projection of the true value of your home. That should benefit you while you are searching for the right policy.

If you plan to renovate your home and install new carpeting or a new sink, make sure that you have amended your policy to cover these projects. Do not assume that flood insurance will cover these new items. You can also add extra coverage to protect you if any outdoor structures are seriously damaged due to flooding. This is helpful is your garage suffers extensive damage. You may have to add extra coverage to protect you if your outdoor fence or patio is impacted.

Consult With Nieroda Insurance Agency

We will use our extensive knowledge of the NFIP to help you find coverage. Visit our website today to learn more information.  

If you love your condo, you’ll want to make it the best it can be. By upgrading your abode, you can make it a special place for you and your family. Before remodeling your Saint Charles, MO condo, talk to an agent from Nieroda Insurance Agency to see how upgrades will affect your condo insurance. If you own an older condo, here are a few good reasons to upgrade.

Improve Its Appearance

Upgrading your condo can improve its appearance, making it a more inspiring place to live. It also gives you a chance to create an ambiance that reflects your personality. Even small home improvements like new carpeting, modern light fixtures, or a fresh coat of paint on the walls can transform a condo, making it a more personal and unique living space for your family.  

Improve Home Safety, Security and Function

Upgrading your condo’s windows and exterior doors will not only enhance curb appeal, but it will also improve your condo’s safety and security. If you live in an area where crime is a risk, this is a worthy investment to protect your family. By investing in new appliances, you can enhance the function of your condo to make it a more comfortable place to live.

Increase Condo Value  

Major upgrades like a kitchen or bathroom remodel, adding a new guest room, or increasing storage space can increase the value of your Saint Charles, MO condo. If you decide to sell in the future, these upgrades will enable you to get a better price. Modernizing your condo will give it greater appeal to buyers and make it a more marketable property.

Once you’ve completed your projects, don’t forget to update your condo insurance to add these upgrades to your coverage. For quality condo coverage at affordable costs, contact Nieroda Insurance Agency.

Nieroda Insurance Agency assists the Saint Charles, MO community through helping residents find coverage. We have partnered with a large network of Missouri carriers to make sure that our clients find the insurance coverage that they need regardless of their situation.

Warehouse and Logistics Insurance

If you are a business owner who relies on a warehouse as part of your operation, warehouse and logistics insurance can be a major asset. The policy covers warehouse storage operations. The policy recognizes that one business assists another business by managing the property of the other one. The business that stores and transports the cargo is covered in the event that any issues arise regarding storage, labeling, or packing. The coverage helps prevent businesses from being held liable for any issues with the cargo while it’s in transit. You can also add liability coverage to cover you in the event that property inside the warehouse is stolen or vandalized.

The policy covers damage to physical tools, such as forklifts, trucks, and computers while they are being transported. Businesses have protection in the event that any of their important data is destroyed or compromised while in transit. The policy also covers any physical issues related to lighting or damage to the warehouse. You can amend the policy to cover the removal of excess debris in the warehouse. If the warehouse suffers an equipment failure that causes damage to the stored property, you will also be covered. Warehouse and logistics insurance ensures that your business, as well as the other business, is covered through the entire transportation process.

Nieroda Insurance Agency Will Help You Find Coverage

For more information on warehouse and logistics insurance policies, stop by our office in Saint Charles, MO. We will assist you.

When faced with the task of purchasing life insurance policies many people will struggle to decide if the benefits of the policy are worth paying the premiums every month.  Nieroda Insurance Agency can help people in the Saint Charles, MO area to better understand the basics and benefits of a life insurance policy. Their agents will assist in making the right decision for you and your intended beneficiary.  There are two basic types of life insurance and each has its own benefits. There are whole life insurance policies that cover you for your entire life whether you live to be 40 or 115; while term life insurance policies only cover you for the term of the policy which can range from one year to twenty.  

Most people see the biggest benefit of whole life insurance as the fact that these policies last the insured person’s entire life.  Whole life policy premiums don’t increase during the life of the insured.  This means that premiums, the amount of money you pay each month to keep the policy in effect, will be higher than a term life policy when you first start to pay on it. The extra premium money becomes the cash value for the policy.  The insured can borrow this money or withdraw it early.  Of course, you must repay the loan and continue to make premium payments as well.  Your beneficiary will not pay tax on the death benefit money when they receive it.  However, the beneficiary is only paid the amount of the policy.  They will not receive any cash value money there may be.  

The benefit of term life policies is that premiums are lower at the beginning of the policy.  If the insured dies within the term of the policy then their beneficiary will receive a tax free cash payout. Most insurance companies require that the potential policyholder be examined by a doctor to make sure they do not have any serious health problems.  It can be seen as a benefit that the doctor’s exam is only required in the first term.  Premiums often increase every time the policy is renewed and as the policyholder ages.  The death benefit does not increase, however, unless the policy is changed.  The higher the death benefit the higher the premiums usually.

Understanding the benefits of each type of life insurance will help you decide which is best for you and your beneficiary.  In the Saint Charles, MO area please visit the website for Nieroda Insurance Agency to begin your search for the right life insurance. 

Commercial insurance is not just one insurance. It is many different insurance protections. The type of commercial insurance that you need to cover your business should be tailored to your particular business. At Nieroda Insurance Agency in Saint Charles, MO our experienced agents know the questions to ask in order to determine which types of commercial insurance would be a benefit to your business and which ones would not. 

Some commercial insurance is more generally beneficial to many different types of businesses in many different locations. Others are specialized to fit particular types of business. These are three important commercial insurance coverages. 

Commercial Property Insurance

Commercial property insurance is something that almost every business needs whether you own your property, rent, or work from home. It covers the physical assets of your business. This includes things like machinery, office equipment, inventory, and even the sign outside your business. Common hazards covered are fire, explosion, vandalism. bursting pipes and theft. Exclusions include floods and earthquakes which may be covered under separate policies. 

Workers’ Compensation

In Missouri, employers are mandated to carry workers’ compensation insurance. Most businesses must have 5 or more employees to be required to carry the insurance but in the construction industry, only one employee is necessary. 

Commercial Liability

Commercial liability insurance can be the difference between staying in business and closing your doors. In the event that a lawsuit is brought against you and a judgment won, it will help to pay that judgment up to the amount on your policy. Having to pay this out of pocket could cost you your business. 

At Nieroda Insurance Agency in Saint Charles, MO we think that every business should have a commercial insurance policy that fits their business. Come in or give us a call to make an appointment to sit down with a knowledgable member of our team to discuss your needs. 

Nothing else is quite like hitting the open road on a motorcycle. It offers an unparalleled sense of freedom. Missouri has a lot of roads, it is number 7 in the nation for state highway miles at 33.838. Add to that 28,292 miles of minor roads and you realize that you have years of pleasure ahead of you. But these are not the only statistic that the Missouri Department of Transportation provides, 5.5 million registered drivers will be sharing all those roads with you. Understanding motorcycle insurance is something that the team at Nieroda Insurance Agency in Saint Charles, MO understands and can help you understand. 

All drivers in Missouri including those who drive motorcycles are required to carry liability insurance. Missouri is a 25/50/10 state. That means that you must have $25,000 in bodily injury per person and $50,000 per accident with $10,000 for property damage.  This is the minimum allowed, the minimum is not right for everyone. Before you decided to get just the insurance that is required you should consider what insurance you need to have peace of mind.

If you are involved in an accident with a driver without insurance or who is underinsured it can be a problem if you don’t have coverage. Motorcycles and their riders are more likely to be the not-at-fault party and you need to be sure that you carry enough insurance to make sure that you can have your bike repaired or replaced. A quality bike is a major investment and you need to protect that investment. Uninsured/underinsured coverage, as well as collision and comprehensive, can help keep you covered. 

At Nieroda Insurance Agency in Saint Charles, MO we will sit down and discuss motorcycle insurance with you in terms that make sense. As an independent agency, we offer products from different carriers and can find one that fits your particular needs. Give us a call or stop by for a no-obligation quote. 

Getting out on the water in a boat or other watercraft is a hobby people enjoy all around the world, and Saint Charles, MO residents are no exception. When you are ready for a day on the water, the last thing you want to have to worry about is insurance coverage. Instead, learn about boating insurance requirements now.

Boating insurance is not required by Missouri law. However, that does not mean you do not need it. If you are currently making payments on your boat, the lender most likely requires that you carry insurance until you pay the boat off. This is so that their investment is protected in case of an accident. Take a look at your contracts or give your lender a call.

Additionally, the docks or marina you choose to boat in may require that you carry insurance in order to use their facilities. Before getting your boat on the road, call around to see who requires insurance so that you are prepared.

Even if you are not required to have boat insurance, you should consider obtaining it anyway. Your boat is an asset. In the case of an accident, could you afford to have it repaired and get it back out on the water? If the answer is no, a boat insurance policy can benefit you tremendously.

You should also take the value of the boat into consideration. The higher the value, the more important insurance coverage is. If your boat is already on its last leg, you may choose to forego insurance. No matter what you decide, be sure you have thought it through. Nieroda Insurance Agency can discuss your options with you and help you make a wise decision.

If you are a Saint Charles, MO boat owner and are considering boat insurance, Nieroda Insurance Agency can help you get the coverage you need, so stop by or give us a call today. 

 

t’s exciting to rent a new apartment and begin exploring your new neighborhood.  You need to get rental insurance to protect your assets though.  Disasters such as fires and severe weather can harm apartment buildings.  Apartment owners maintain property insurance just for this.  However, their policy does not cover the contents of any of the apartments, just the physical structure.  Our agents at Nieroda Insurance Agency work with apartment dwellers throughout the Saint Charles, MO area to get the right coverage. 

As a very affordable policy, renters’ insurance provides many benefits.  It covers all of the contents of your apartment including furniture, clothing, and electronics.  This extends to items, such as laptops, that are stolen or damaged when you are away from home. The policy also covers items damaged by faulty pipes or electrical issues.  It does not, however, cover items that are damaged due to neglect or flooding.  When you began considering coverage, create a detailed inventory of your possessions.  This will help you and your agent decide the amount of coverage that you realistically need. 

In the Saint Charles, MO area, our agents at the Nieroda Insurance Agency can help you decide which renter’s insurance policy is best for your situation.  They can help you maximize your coverage without paying more than you should.  To get started, visit our website for general information.  When you’re ready, call or come by our offices to talk with an agent.  We can answer any questions you have and explain your policy options.  For a few moments of your time, you can protect all of your possessions.  Your furniture, electronics, and household items are important for your comfort and ability to get work done.  That’s why the investment in renter’s insurance is an important one.  Don’t wait until its too late.  Come by today!

Floods can be a nightmare for many homes particularly when it comes to damages. They disrupt, damage and isolate communities and households. If you live in a flood zone area, the chances are that you have been taught important flood management tips.

If you live around Saint Charles, MO, you can purchase flood insurance as early as possible to help you stay financially protected in case the worst happens.

At Nieroda Insurance Agency, we always recommend having home insurance, umbrella insurance, and flood insurance. Here are a few tips to keep in mind while managing and recovering from floods:

• If you are not home, wait for the emergency services to announce whether the place is all clear before entering the affected zones.
• If your home is affected, contact your insurance provider the earliest possible to help hasten the claim process. Do not enter the affected home until cleared by the authorities.
• If the home is unlivable, take what you can with you and vacate till it is safe. Make sure your electricity and gas supplies are turned off, all taps are closed, and lights out  
• Never use cigarette lighters, matches or any form of naked flame, and wear leather, or rubber gloves and shoes to protect your skin from the contaminated floodwater.
• If you have pets,  find them and take them to a safe place. 
• Encourage your family and loved ones or anyone who was present during the incident to talk it out with neighbors and friends.
• Get and only rely on information provided by the authorities. 

We cannot always prevent the damage that floods can cause, but we can always manage to stay informed and be safe. For all your insurance needs contact Nieroda Insurance Agency serving Saint Charles, MO.