Sailboats can be sizable investments, so you should have adequate insurance to protect them from risks and losses. If you have a sailboat and would like to learn more about boat insurance, you can count on the experts at Nieroda Insurance Agency to provide the residents in and around Saint Charles, MO, with options that meet their needs.

Boat Insurance Coverage 

Many states require a specific level of coverage to operate a motorized boat on open waters. Sailboats usually don’t have motorized capabilities. However, a few states may require sailboats to carry insurance. Check with your insurance provider to learn the specifics of your state. 

Even if you aren’t required to carry Insurance in your state, it would be highly beneficial to have an insurance policy in place that can protect against events such as theft, fire, or vandalism. If you would like to learn more about the products we carry to help boat owners protect their investments, our team can give you detailed information about how they can help. We can review each policy’s terms and conditions and fine print to help you be an informed consumer. Once a policy is selected, we can also assist with submitting documentation and details to help you get covered immediately. If you need assistance with any policy changes or claims in the future, we will support you.

Contact Us Today 

Call or stop by our office today to schedule a consultation with one of our knowledgeable insurance agents. Nieroda Insurance Agency is proud to offer top-quality insurance products and services to the residents in and around the Saint Charles, MO, area. You can work with us to find out how we can provide a complete blanket of protection and give you peace of mind.

Many people who rent their house or apartment are under the false assumption that their landlord’s insurance will pay for the personal belongings and appliances they have purchased if some disaster occurs. The agents at the Nieroda Insurance Agency serving Saint Charles, MO area want renters to know that they need to have their own insurance policy to cover their own items since the property owner’s insurance only covers the structure in which they live.

What Does Renters Insurance Cover?

Renters insurance will cover your personal property if you rent your home. Personal property includes furniture, clothing, appliances, electronics, and other valuable items if damaged or lost due to a fire, natural disaster, vandalism, or even theft. Renters insurance is a type of insurance policy designed to protect individuals renting a property. While landlords typically have insurance to cover the structure of the building, renters insurance focuses on protecting the personal belongings and liability of the tenant. 

Renters’ insurance also offers liability protection. If someone is injured at your house or apartment, they can sue you for medical expenses and other costs that your renter’s insurance will help with.

Renters insurance can also help with additional living expenses if your home becomes unlivable due to one of the covered events listed above. It can help you cover hotel bills, meals, or even the rental of another property until your original property is repaired.

Contact Nieroda Insurance Agency

To start your renter’s insurance policy, contact the experienced and trusted agents at the Nieroda Insurance Agency serving the Saint Charles, MO area today!

At the Nieroda Insurance Agency in Saint Charles, MO, we offer you flood insurance and have extensive knowledge of the Flood Insurance Program. In July 2022, St Charles received 12 inches of rain, and the Dardeene Creek overflowed 20 feet, causing flooding for homeowners, apartment buildings, and offices. Many residents were evacuated from their homes, and the damage was extensive. Repairing flood damage takes several months, and not having flood insurance means you will not get coverage for the damage you deserve.

What to Do In a Flood Disaster? 

When you live in a high-risk area, having an emergency plan concerning flooding for you and your family makes sense. Contact a family member or a neighbor to discuss emergencies and stay for a short while with them in an emergency until emergency housing is found. Have a list of agencies in Saint Charles that help with flooding, such as The Red Cross, United Way, The Salvation Army, food pantries, shelters,

The Missouri Department of Health and Senior Services can provide information on services when a flood is determined a disaster. They will help you with information on housing assistance, disaster grants, and loans for your home and businesses.

Call your insurance broker, who can help provide the information and documents you need to repair your home or business. Our agency can provide you with a list of organizations assisting you and local food pantries and shelters. We suggest you contact Community Development to inspect the damage and permits needed to complete the work.

Our local United Way and Red Cross can help with housing. The Missouri Department of Natural Resources will have information on organizations and ways for you to dispose of household goods, hazardous materials, and other debris.

The Missouri Environmental Protection Agency will have information on how to deal with contaminated drinking water because flood water becomes contaminated after significant flooding.  

Contact Nieroda Insurance Agency About Flood Insurance 

Saint Charles has areas that are at substantial risk for flooding. When you have flood insurance, it will protect you and your family. Call the Nieroda Insurance Agency in Saint Charles, MO to learn more about the type of flood insurance that is right for you. Do not wait for disaster to happen to your home or business.

A unit policy from Nieroda Insurance Agency is essential to a master condo policy, as it provides more specific guidance and regulation for individual condos here in the Saint Charles, MO area. A master condo policy outlines the general regulations that apply to all units in a condominium building, such as common areas, parking rules, and pet policies. However, these policies are often too broad to provide for each unit’s unique needs. A unit policy can help fill in the gaps by providing more detailed rules that pertain only to certain units or owners.  

For example, a master condo policy may not address noise levels between units or how balconies should be used. A unit policy could outline the acceptable noise levels between neighbors and detail what types of furniture or items are allowed on balconies. Additionally, a unit policy can provide homeowners with more flexibility when making improvements to their units. In some cases, homeowners may request permission from the building’s board of directors before making changes, but if they have an established unit policy, they don’t need this approval. 

Having both a master condo policy and a separate unit policy is beneficial for all parties involved – it ensures that all owners understand their rights and responsibilities while also protecting each individual homeowner from unfair regulations or violations of their rights. Unit policies give everyone peace of mind that their home and privacy will be respected while ensuring everyone follows the same set of guidelines.

For more tips, give us at Nieroda Insurance Agency a call today. We are proud to serve the Saint Charles, MO area.

As a business owner, it’s necessary to protect your assets, including the warehouse utilized for storage and other company purposes. Warehouse insurance is a specific type of policy that covers damages, losses, and liabilities that occur within a warehouse. At Nieroda Insurance Agency, located in Saint Charles, MO, we understand how important it is to have insurance coverage for your storage facility. That’s why we offer options to meet the needs of your company. Review some of the top features of a warehouse insurance policy and how it will help keep you protected.

Coverage for Physical Damage

One of the fundamental components of warehouse insurance is physical damage coverage. It covers losses to the building, equipment, and inventory kept inside the structure itself. It includes losses caused by natural disasters like storms, fires, and earthquakes and damages caused by humans like accidents or theft.

Liability Coverage

Liability coverage is another component. It covers any legal expenses or settlements that may arise from a lawsuit, like a slip and fall a customer suffers while in the building. Liability coverage may include coverage for product liability. That’s coverage for any losses incurred from a defective product.

Business Interruption Coverage

In the event of an unexpected disaster, it’s possible your warehouse may be temporarily shut down, resulting in lost income and greater expenses. Business interruption coverage will help handle the costs and provide the financial support you would otherwise be missing out on.

It’s important to understand the basic components of warehouse insurance to make certain your business and your bank account are protected. By working with Nieroda Insurance Agency in Saint Charles, MO, you’ll feel confident and comfortable that your structure is safe and your business and investments are secure.

Call to Set Up an Appointment Now!

If you’re in need of insurance coverage for your warehouse, don’t hesitate to contact us at Nieroda Insurance Agency in Saint Charles, MO. Our team of experts will work with you to understand your specific needs and provide you with the coverage you need to protect your business. Contact us today to learn more!

Choosing the right life insurance policy can be a daunting task. Working with a reputable insurance agency with experience in providing life insurance policies in Missouri is essential.

The Nieroda Insurance Agency is a trusted life insurance provider in the Saint Charles, MO, area. They can help guide you through choosing the right policy for your needs.

Following are some tips on choosing the right life insurance policy for Missouri residents.

Choose The Right Amount of Coverage 

The first step is to consider the amount of coverage you need. This will depend on various factors, including age, income, and overall financial situation. It’s essential to take the time to evaluate your current financial situation and future needs, including any potential debts or expenses that your loved ones may face in the event of your passing.

Term vs. Whole Life 

Once you have determined the amount of coverage you need, it’s time to consider the type of life insurance policy that is right for you. Most insurance agencies offer two primary types of life insurance policies to choose from. The most commonly used insurance policies include term life insurance and permanent or whole life insurance policies. 

• Term life insurance policies offer different options and provide coverage for a shorter period. In contrast, permanent life insurance policies offer coverage for your entire life.
• Whole life and permanent policies may offer features and benefits that allow policyholders to borrow against their policies in cases of emergency. 

Get Affordable Life Insurance in Missouri

The Nieroda Insurance Agency works with some of Missouri’s top life insurance providers, ensuring you have access to high-quality coverage that will provide you with peace of mind. 

Contact us for a free life insurance quote today! 

Business owners usually have many things to do to keep their businesses running. Those things can include inventory, taxes, and safety precautions, to name a few. One of the most important things business owners can do to protect themselves, and their business is to get commercial insurance. There are several different types of coverage that you can choose from to help protect your business. Let’s see if commercial insurance is right for you.

What types of commercial insurance coverage are available?

With the many types of coverage available, it is essential to know what they are to determine if they are suitable for your business needs. Commercial insurance coverage types include the following:

General liability:

If a customer gets injured at your place of business, general liability insurance can help cover the costs. General liability coverage also covers the potential offenses that might happen due to advertising and copyright infringement.

Property coverage:

You can never predict what might happen, so it is smart to be prepared with property insurance. This can protect your business property from damage due to fire, natural disaster, or theft so that you don’t have to cover those costs yourself.

Management liability:

Management liability helps cover a manager if they are sued for something while managing your place of business.

Employment practices liability:

If an employee files a claim for acts against the company or employer, employment practices liability insurance helps cover the costs of the claims against the company.

Worker’s Compensation:

If an employee gets injured on the job, worker’s compensation helps take care of the medical bills and possible loss of income due to the injury from work.

Commercial auto insurance:

If the company has company-owned vehicles, commercial auto insurance covers those vehicles and the drivers who operate those vehicles.

Business interruption coverage:

If something happens that makes it so the business cannot work effectively for a while, business interruption coverage helps with the financial burden and loss of income.

Crime coverage:

Crime coverage helps cover losses if a theft or other crime occurs.

Contact us

For more information about commercial insurance for your business, visit us or contact us at Nieroda Insurance Agency in Saint Charles, MO.

You’re cruising outside Saint Charles, MO on your brand-new motorcycle when you see a turn into private property. It’s a scenic route you’ve always wanted to take, so you exit the highway and start winding your way down the road. Suddenly, a deer jumps out in front of you, and you swerve to avoid it, crashing into a tree. The bike is totaled, and you’re hurt. Will your insurance cover the damage? Nieroda Insurance Agency has answers.

It’s a common misconception that motorcycle insurance only covers accidents on public roads. In reality, most policies will cover you for damages sustained in an accident on private property, assuming you have liability coverage. This type of coverage pays for damages to property or people you may be held responsible for in an accident. If you don’t have liability coverage, your insurance company will likely not pay for any damages incurred in an accident.

Of course, there are always exceptions to the rule. For instance, if you were racing your motorcycle on private property and crashed. As a result, your insurance company could argue that the accident was due to recklessness on your part and deny your claim. Or, if the property owners had posted signs prohibiting motorcycle riders from being on their land and you ignored those signs, they could potentially sue you for trespassing—and your insurance company would not be obligated to pay for any damages resulting from that suit. 

In general, you can rest assured knowing that your Saint Charles, MO motorcycle insurance policy will likely cover damages sustained in an accident on private property—as long as you have liability coverage. If you have more questions, contact Nieroda Insurance Agency. We are here to help!