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MedInsure Group

14567 N Outer 40
Suite 300
Chesterfield, MO 63017

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3 Reasons You Need Umbrella Insurance

Umbrella insurance is an additional form of insurance and extends your limits beyond a policy you already have in place. The purpose of umbrella insurance is to give you added protection and help cover costs that your policy does not. The instances where you would need umbrella insurance are frequently those you would never even think of. Read on to learn about three scenarios where you’d be thankful you have umbrella insurance in Chesterfield, MO.

1. Someone Falls Down the Stairs

Whether you have neighborhood kids coming in and out of the house all summer long or you love to throw dinner parties, there is the possibility that a guest could get injured on your property. If someone were to fall down your stairs and get seriously injured, they might decide to sue. Litigation costs add up fast. However, when you have umbrella insurance, this kicks in to help you cover the costs of litigation and protect your assets in the process.

2. A Car Accident with Multiple Vehicles

Getting into an accident with one vehicle is scary enough, but imagine a wreck with many cars – and it’s your fault. If this were to happen, your auto policy might not be enough to cover all the damage and injuries. That’s when your umbrella insurance kicks in to help.

3. Your Dog Bites Someone

Spot gets loose and runs down the road. He bites someone. That person or their guardians decide to sue. In this scenario, your homeowner’s insurance may not cover the liability costs. Again, this is when you’ll be thankful you have umbrella insurance to help with the associated costs. 

To learn more about umbrella insurance in Chesterfield, MO, contact the Medinsure Group, where all your questions and concerns will be answered. Medinsure Group can help you get a quote and find you a policy.

 

 

Tips for Determining if You Need Flood Insurance

As homeowners, there are many concerns about how to protect your investment in your home and property.  The best way to guard against various hazards is to have the right insurance in place.  Flooding is a question many have questions about.  Luckily, it is easy to get coverage for this threat.  The team at Medinsure Group work with homeowners in Chesterfield, MO to put the right policies in place.  They can help you, too.

Flooding is the most prevalent natural disaster that threatens homes.  So much so that Congress created the National Flood Insurance Program (NFIP) in 1968 to help citizens recover quickly.  Home insurance policies do not cover flood events.  If the home has a mortgage, the lender may even require that flood insurance be carried. So, how do you determine if your home is in a flood plain or assess the home’s level of risk for flooding, go to FEMA and enter your address?  There you will find information about the risk level for your home. 

For homes in high-risk areas, the additional coverage of flood insurance makes sense.  But what if you are in a moderate risk area?  This is something you may want to talk with your agent about because flood events can be devasting financially.  As an example, a foot of water in a 1,000 sq. ft. residence causes an estimated $27,150 in damage.  Given the potential for this level of damage causes many in moderate risk areas to include flood insurance in their portfolio.  Renters can also carry flood insurance to protect their personal possessions. 

The agents at Medinsure Group work with homeowners in Chesterfield, MO area to get the coverage that they need.  They can help you decide whether the addition of flood insurance is right for you.  Don’t wait to get protected.  Visit them today!

Does My Condo Insurance Cover Theft Of Property?

We know you have a lot of questions about your condo insurance. At Medinsure Group, we dedicate ourselves to answering your questions and making sure that you understand everything there is to know about your insurance product. Located in Chesterfield, MO, we welcome your business as well as your interest in the various types of insurance that we offer.

Condo Insurance is written as a specific instrument to protect your vulnerability as regards your condominium purchase. Your agent will speak with you about the various types of protection that you require as your condominium insurance policy is being crafted.  It is not in automatic facet of your condo insurance to cover theft of property. In order to have theft, the property includes in your condo policy you’d have to discuss it with your agent. In fact, the insurance product gets extremely specific if that’s what you require. If you own certain items that are of great monetary value and you want to make certain that they are protected you can stipulate that in your policy.  

The insurance line is called a personal property coverage item.  Some comprehensive coverage policies will cover theft but you must make certain with an agent. Condominium insurance generally covers anywhere from $100,000 to $500,000 as a generic range. That’s why it’s so important to contact a professional agent to add any personal property that you may want to protect to your policy. Your condominium and your lifestyle are not generic. Therefore, we welcome the opportunity to give you the particular insurance lines that you need on your specifically crafted condominium insurance policy. 

Medinsure Group can be contacted at 877-403-8584. Call us today to find out exactly what’s necessary to assure your condo is fully protected. If you are in the Chesterfield, MO area.  feel free to stop in today. 

3 Tips for Buying Auto Insurance in Chesterfield, MO

In Chesterfield, MO, it is required by law to carry auto insurance. Whether you’re a brand-new driver looking for your first policy or you want to find a new policy with a cheaper rate, there are three surefire ways to do this. Read on to learn about three tips that will help you find the right auto insurance coverage and save you money.

1. Compare Several Quotes

Not all auto insurance quotes are the same. A trusted agent from Medinsure Group will help you spot the differences in coverage for the cost associated. By comparing several quotes in fine detail, you will surely find the right auto insurance policy for your particular needs. For example, do you have a long work commute or do you rarely use your vehicle? Answers to questions such as these will help you find the right coverage.

2. Bundle Your Insurance Policies

Insurance companies love to reward loyalty. They do this by offering discounts when you bundle your insurance policies with them. Consider bundling your auto insurance, home insurance, life insurance, commercial insurance, and even recreational insurance under one company to get the most out of your money.

3. Work with a Reputable Agent

In order to find the right policy at the right price, it’s important to work with a reputable insurance agent who can help you compare quotes and determine which one is the best. Insurance agents will answer all your questions and concerns and set you on the right road to buying the auto insurance policy you need.

To learn more about buying auto insurance in Chesterfield, MO, contact the team at Medinsure Group, serving this area. 

Does Boat Insurance Cover Pets on Board?

Keeping your Pets Safe on the Water with Boat Insurance

Boat insurance covers more than you might imagine, and you might be able to get some money to help cover the medical expenses of pets that are injured in a collision while on your boat. For those that live in the Chesterfield, MO area, or around the state, the agents with Medinsure Group can help you find the policy that works best for you.

When it comes to pets and having them on board with you while you are boating, there are certain risks that you take. There is no way to specifically cover pets that are on board with you when you have an accident, but you may be able to get more in terms of liability coverage. You can then use that money to help pay for your pets medical costs. There is no right way to insure a pet specifically on a boat. If you are going to be boating very often with your pet on board, you may want to look into a pet insurance policy to help cover the costs of any issues that you have to take on.

For the most part, your boat policy is going to be geared toward paying the medical costs of people that were in the accident, the cost of repairing or replacing the boat or boats in question, and sometimes a monetary settlement as a result of a liability policy. If you have a pet that you are going to be boating with often, it is always best to look into more specific policies, even if it is a different type of insurance all together.

For those that live in the Chesterfield, MO area or around the state, the agents with Medinsure Group can help you find the policy that works best for you and your boat.

Common Types of Damage Covered by Homeowner’s Insurance

Homeowner’s insurance is the best way to protect against several unpredictable sources of damage that can happen to your house and property. Some common causes of damage routinely affect homeowners, but these can be mitigated with proper coverage. 

Severe Weather

Things like snowstorms, tornadoes, high wind, and hail events happen regularly, and homeowner’s insurance will usually factor the particular weather risks in your area into the policy. Some locations will require a separate policy for flood insurance. After a severe weather event, most providers will send an adjuster to your house to assess the damage and decide on an amount to provide for repairs. 

Vandalism and Theft

The possibility of being a victim of a crime is an unfortunate reality of daily life. Thankfully, if someone maliciously damages your home or steals your property, homeowner’s insurance will provide coverage for repairs and replacements after a claim is submitted. 

Fires

Whether caused by a cooking accident, faulty wiring, or nearby natural conditions, fires represent a significant source of risk to homes. This is why homeowner’s insurance policies specifically protect against fire damage. The process to make a claim for fire damage is similar to severe weather, with an adjuster assessing the amount of damage.

For more information about homeowner’s insurance in the Chesterfield, MO area, please contact Medinsure Group. Staff members are ready to answer any questions or concerns you may have about your insurance needs, and they can design a policy for you that takes risks specific to the Chesterfield, MO area into consideration. The Medinsure Group has extensive experience with helping customers just like you. 

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