Property and Casualty

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Although auto insurance policies vary, they typically offer several types of coverage, including: 

• Liability insurance—Liability insurance can cover third-party injury or property damage costs if a policyholder is at fault for an accident. For example, if you hit another vehicle, your liability coverage may cover the other driver’s hospital bills and vehicle repairs. 
• Collision insurance—If an insured vehicle collides with another vehicle or object, collision insurance may help repair or replace the vehicle. 
• Comprehensive insurance—Comprehensive insurance can pay for vehicle damage caused by hazards not covered by collision insurance. For example, it may help repair or replace insured vehicles following fires, theft, vandalism or severe weather. 
• Uninsured/underinsured motorist (UM/UIM) insurance—Following a hit-and-run or an accident involving an uninsured or underinsured driver, this coverage may help you cover your injury costs. In some states, it also pays for your vehicle repairs. Please note, while uninsured and underinsured coverage is a single coverage in some states, in others, the coverages are separate. 
• Medical payments (Med Pay) coverage—Med Pay coverage can help insured drivers and their passengers cover their medical costs if they are injured in an accident. 

Other coverage, such as roadside assistance, rental car reimbursement and gap insurance, may also be available. To learn more about how different types of coverage may protect you and your vehicle, speak to one of our agents. 

Most Missouri drivers are required by law to carry at least a minimum amount of auto insurance. If your vehicle is financed, you may be subject to additional coverage requirements. For more information about coverage requirements affecting your auto insurance needs, speak to an agent.   

 Home is your safe haven. It’s where you raise your family and create memories that extend generations. 

We are committed to helping every client get quality insurance benefits that will protect them in all parts of their lives. If you are a homeowner or are embarking on the journey of buying your first home, then you should adequately insure the property with a home insurance plan that is customized to fit your needs.  
 

Homeowners' insurance policies offer a diversity of benefits, each designed to offer targeted protection for a diversity of unexpected, unavoidable issues. These include:  

• Structure protection: This insures your house in the event of damage from fires, weather, theft, vandalism, or other hazards.
• Detached structures coverage: Other buildings on your property – such as fences, carports, gazebos, and detached garages - will have coverage.
• Possession insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.
• Liability coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents both on and off your property.
• Additional living expense protection: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills.

Plus, because your home is unique, you can further tailor your benefits with more unique options like:

• Scheduled items riders
• Replacement cost value possessions coverage
• Umbrella liability insurance
• Flood insurance
• Earthquake and windstorm endorsements
• Pet liability insurance

We will always customize your plan by helping you tailor your deductibles and overall coverage limits.  

Most mortgage lenders require homebuyers to purchase homeowners insurance before they approve loan applications. Generally, they will require you to obtain at least enough dwelling coverage for your home’s replacement cost value.  

Regardless of any coverage requirement, you should always carry this benefit as part of your comprehensive personal insurance package.