Alternatives Insurance of Fenton (AIF) launches Volume Two of their monthly, insurance educational series with Missouri Home Insurance Coverages. Missouri Homeowners need to understand the many home insurance coverages and the variety of options. The differences between what a homeowner has versus what they should have could be detrimental if a disaster occurs. The AIF Homeowner Educational Series will provide specific definitions for homeowner insurance coverages, define deductibles, and more. Additional resources for Missouri Home Insurance Coverages can be found on Alternatives Insurance of Fenton website.
The following are summaries on a few topics that will be covered in the AIF Missouri Home Insurance Coverages educational series. Homeowner policies must have the basic Missouri Home Insurance Coverages in place; including Property Coverages for dwelling, other structures, personal property and loss of use, Liability Coverages. The insurance educational series with Missouri Home Insurance Coverages also provides the breakdown of Insurance policy deductibles and the amount paid by a policyholder before any claim is paid by the insurance company.
Alternatives Insurance of Fenton suggests homeowners to contact their mortgage lenders who may require homeowners to insure the home for the amount borrowed. With the help of a professional, licensed insurance agenct, the homeowner needs to determine how much insurance is necessary to replace the damaged property. Extended Replacement Cost Coverage pays a specified percentage over the limit to rebuild a home.
There are many Optional Missouri Home Insurance Coverages and not all carriers offer the same options, so it is important to talk with a licensed agent who has the expertise. A licensed agent can help consumers determine if specific options are necessary. Options such as Equipment Breakdown coverage, scheduled personal property, water backup, business property, identity theft, sports equipment, yeard and garden, and electronic data.
There are many ways to save on home insurance in Missouri with discounts. Homeowners should discuss the following discounts with their agents: Multi-policy discount, EFT Payment discount, Paper Free Billing discounts, Claim-free discounts, Advance Quote Discount, Home buyer discount, Safe home discount, 55 and retired discounts, and others.
Homeowners beware of homeowners insurance policy exclusions. It is very important for homeowners to discuss the conditions and special limits with a licensed agent and purchase the right protection. Contact Alternatives Insurance of Fenton for more information.
About Alternatives Insurance of Fenton. Alternatives Insurance of Fenton is an Independent Insurance Agency that provides Auto, Home, Business, Life, Motorcycle, and Boat Insurance. They offer competitive rates through Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and dozens more. Service area includes Saint Louis and Jefferson counties including Fenton, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills, Crestwood, Manchester and St. Clair.
Release ID: 101925