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Swartz Premier Group Insurance

208 West Rollins St
Moberly, MO 65270

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204D Peach Way
Columbia, MO 65203

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Missouri Insurance Blog

What Is Dwelling Coverage for Home Insurance?

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Dwelling coverage in Moberly, MO is likely what comes to mind when you think of home insurance. This essential coverage pays for the cost to rebuild or repair your home if a covered event damages it. However, at Swartz Premier Group Insurance, we understand that dwelling coverage can be easily misunderstood, especially when it comes to what it doesn’t cover. Here, we’ll help you ensure your policy protects what matters most.

What Does Dwelling Coverage Cover?

Dwelling coverage is the part of your policy that pays to restore the physical structure of your home if a covered event damages it. While coverage varies by policy, common covered events include fire, smoke, wind, and vandalism. For instance, if a windstorm causes a tree branch to fall onto your roof, you can file a claim to have your roof repaired.

What Does Dwelling Coverage Exclude?

Dwelling coverage in Moberly, MO does not cover personal property, meaning you can’t file a claim under this coverage if items like your TV or laptop are damaged by smoke from a kitchen fire. Additionally, standard policies typically exclude events like flooding or earthquakes, which require separate coverage. Dwelling coverage may also exclude other structures on your property, such as detached garages or sheds.

Is Dwelling Coverage Subject to a Deductible?

Yes, dwelling coverage is subject to a deductible, which you’ll need to pay according to the terms of your policy.

If you have questions about dwelling coverage or how it fits into your current home insurance policy, it’s helpful to get expert advice. At Swartz Premier Group Insurance, we’ll guide you through the specifics of your options, so you can confidently file a claim for wind damage to your newly built porch. Contact us today to learn more about our policies!

Classic Car Insurance vs. Auto Insurance: What’s the Difference?

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Classic car insurance differs from standard auto insurance in how it views and protects older automobiles. While auto insurance focuses on keeping your car operational and safe on the road, classic car insurance prioritizes preserving the vehicle’s pristine condition off the road and maintaining its financial value. Both types of insurance offer protection, but they do so in different ways.

What Does Classic Car Insurance Offer That Auto Insurance Doesn’t?

Classic car insurance in Moberly, MO, is tailored for older vehicles, typically 20 years old or older. Unlike auto insurance, which treats all vehicles the same, classic car insurance recognizes the increasing value of older cars. Auto insurance depreciates vehicles over time, while classic car insurance appreciates their value. Premiums for classic car insurance are often inexpensive due to the car’s age and value. Additionally, the add-ons are as unique as the car itself. At Swartz Premier Group Insurance, we offer specialized options, including:

  • Original parts coverage
  • Restoration coverage
  • Specialized roadside assistance
  • Memorabilia/automobilia coverage

In contrast, auto insurance add-ons focus more on general driving needs and lack the specialization offered by classic car insurance.

What Does Classic Car Insurance Lack Compared to Auto Insurance?

Classic car insurance treats vehicles on its policies as secondary vehicles. These cars are typically driven less than 5,000 miles per year and must be stored in an enclosed indoor area. Securing classic car insurance can be challenging, as drivers must have a satisfactory driving record, and the car must be in good condition. Auto insurance does not have these restrictions, making it more accessible for everyday vehicles.

If you’re wondering whether your car qualifies for classic car insurance, an agent at Swartz Premier Group Insurance can help. We’ll search our list of carriers to find a policy that fits your vehicle. While some carriers have strict guidelines for what constitutes a classic car, others are more lenient. Not every policy requires your vehicle to be a collector’s item to qualify. There’s a classic car insurance policy for you. Contact us in Moberly, MO, for more information on classic car insurance.

Does Your Policy Cover You for Guest Injuries in Your Condo?

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Hosting friends or family in your condo is one of the joys of homeownership. Whether it’s a casual dinner or a weekend gathering, you want your guests to feel safe and comfortable. But what happens if someone slips on a wet floor or trips over a rug and gets injured? At Swartz Premier Group Insurance in Moberly, MO, we understand how important it is to know exactly what your condo insurance covers—especially when it comes to guest injuries.

Personal Liability Coverage: Your Safety Net

Most condo insurance policies include personal liability coverage, which is designed to protect you if someone is injured while visiting your home. This coverage typically helps pay for medical expenses, legal fees, and even potential settlements if you’re found legally responsible. It’s a safety net that can make a significant difference in a stressful situation.

Understand Policy Limits and Exclusions

While liability coverage is standard, it’s crucial to understand your policy’s limits. Every policy has a maximum payout amount, and if the costs exceed that limit, you may be responsible for the remaining expenses. Additionally, not all incidents are automatically covered. For example, injuries caused by pets or unsafe conditions you were aware of might be excluded from coverage.

Review Your Policy and Be Prepared

The last thing you want is to be caught off guard when an accident happens. Taking a few minutes to review your policy now can save you time, money, and stress in the future.

If you’re unsure about what your current coverage includes or think it’s time to reassess your policy, contact Swartz Premier Group Insurance in Moberly, MO. We’re here to help you feel confident and covered—no matter who comes knocking at your door.

How to Document Your Belongings for a Renters Insurance Claim

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When it comes to renters’ insurance, having proof of what you own can make all the difference during a claim. At Swartz Premier Group Insurance in Moberly, MO, we often hear from clients who wish they had taken the time to document their belongings before an unexpected event. While it may not be the most exciting task, it can save you time, stress, and money.

How to Document Your Belongings

Start with a Walkthrough

Grab your phone or camera and do a simple walkthrough of your apartment or rental home. Narrate as you go—mention the brand, model, or condition of items if you can. Don’t forget smaller valuables, such as jewelry, electronics, or collectibles. Even your kitchen gadgets and clothing can add up more than you might think.

Keep a Written Inventory

In addition to photos or videos, jot down a list of your items. Include purchase dates, estimated values, and serial numbers if available. You don’t need to be perfect—just be thorough. Apps and spreadsheets can help keep everything organized and make updates easy.

Store Your Records Safely

Once you’ve documented everything, make sure your records are stored securely. Cloud storage is a great option, and you may also consider emailing a copy to yourself or a trusted family member. If you prefer paper, keep it in a waterproof, fireproof safe.

Stay Up to Date

Any time you make a big purchase or get rid of something significant, take a moment to update your list. It’s a small habit that pays off in a big way if you ever need to file a claim.

To learn more about how renters’ insurance can offer extra protection, reach out to Swartz Premier Group Insurance in Moberly, MO. We’re here to help you stay prepared and protected.

Can I Bundle My Motorcycle Insurance?

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As a motorcycle owner in Moberly, MO, you might find the idea of bundling insurance appealing, particularly if you have other policies such as home, additional vehicles, or even renters’ insurance. Wondering about options for consolidating your policies to save on premiums and simplify insurance management possibly? Well, at Swartz Premier Group Insurance, we’re more than ready to help you navigate the process of finding suitable policies and bundles for your needs.

Which Policies Can You Combine?

Here are some examples of insurance policies that typically can be merged:

  • Motorcycle + Auto: If you drive your vehicle throughout the year and ride your bike usually between April and October (before winter), combining your auto insurance with your motorcycle’s coverage could be ideal for you.
  • Motorcycle + Home/Renters: This combination might be ideal for first-time homeowners and MACC students.
  • Motorcycle + RV/ATV/Boat: A useful combination if you’re a seasonal rider or if you enjoy various trails throughout the year.

The Benefits Of Bundling

  • Lowered Premiums: Bundle your policies to reduce your premiums potentially.
  • Single Deductible: Having a bundled policy means that with each claim you file, you can do so with a single deductible.
  • Manageable Billing: Simplify the process of reviewing, reassessing, and paying for your combined insurance policies.
  • Enhanced Coverage: If several policies are in force, you may be able to add OEM part replacements or increased medical coverage to your insurance.

It’s essential to understand your insurance options as a motorcycle owner, regardless of whether you ride your bike year-round or seasonally. Every time you intend to ride your motorcycle, ensure that you have comprehensive insurance for proper protection and tranquility. If you own a motorcycle in Moberly, MO, and you’re curious about the bundling options available to you (depending on your current policies), why not contact Swartz Premier Group Insurance for a consultation today?

The Importance of Reviewing Your Policy After a Business Expansion

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Expanding your business is an exciting milestone. Whether you’ve opened a new location, added more employees, or upgraded your equipment, growth brings new opportunities—and new risks. At Swartz Premier Group Insurance, proudly serving business owners throughout the greater Moberly, MO region, we often see business owners so focused on expansion that they forget to review their commercial insurance policies. That oversight can lead to costly gaps in coverage.

Growth Changes Everything

When your business grows, your risk profile changes. Maybe you purchased new machinery, hired additional staff, or started offering new services. All of these changes can impact your insurance needs. Your existing policy was designed for the size and scope of your business at the time it was written. If you haven’t updated it, it might not be enough to protect your expanded operations.

Don’t Wait for a Claim to Discover a Gap

One of the biggest mistakes business owners make is assuming their current policy automatically scales with their growth. Unfortunately, that’s not the case. For example, if you’ve added a second location but haven’t listed it on your policy, damages from a fire or theft at that site may not be covered. The same applies to new equipment or employees not accounted for in your current limits.

Let Us Help You Stay Protected

Taking the time to review your policy after a business expansion isn’t just smart—it’s essential. You’ve worked hard to grow your business; now make sure it’s properly protected. If you’ve recently expanded or are planning to, reach out to Swartz Premier Group Insurance, serving the community in and around Moberly, MO. We’ll help you review your coverage and make sure you’re set up for success—whatever comes next.

Which Family Members Most Need Life Insurance?

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Discussing which family members need life insurance can sometimes be difficult. However, viewing the topic as a financial decision rather than an emotional one can be helpful. Ultimately, you should make rational decisions about safeguarding your family’s financial well-being, even if you find the topic emotional. If you are considering life insurance and live in the Moberly, MO, area, contact the Swartz Premier Group Insurance for assistance.

Determining Which Family Members Need Life Insurance

Your financial resources and other factors help determine the need to insure family members’ lives and the amount of insurance needed. Financially, the need for life insurance covering each family member depends on their family role, particularly the income and care they provide to support other family members. Those who earn income or provide care for others that would cost money to replace are most in need of life insurance.

Consider the following household roles and questions to evaluate the need for life insurance.

Income Providers

How much income does each family member contribute and how would the loss of their income affect the family’s finances?

Care Providers

How much would it cost to pay someone else for the child or adult care currently provided by a family member?

Genetic Health Concerns

Does the family have hereditary health issues that might affect a child’s ability to qualify for life insurance in adulthood?

Final Expenses

Is the family able to pay for a family member’s final expenses?

Family Business or Debts

Do family members co-own a business, share a mortgage, or have outstanding debts?

Working with Swartz Premier Group Insurance

Swartz Premier Group Insurance, serving the Moberly, MO, community, can help your family structure its life insurance plan. Call us at (660) 263-8900 today to schedule an appointment.

Why New Homeowners Should Take a Crash Course in Home Insurance

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Buying a first home often brings feelings of pride, accomplishment, and joy. It’s a step towards financial security and stability. However, homeownership also comes with increased responsibility and common concerns. That’s why many homeowners in the Moberly, MO area trust the professional and experienced team at Swartz Premier Group Insurance for their home insurance needs.

Understanding Home Insurance: A Must for New Homeowners

New homeowners often have questions about home insurance. The variety of policies (e.g., HO1, HO2, etc.) and coverage plans, such as actual cash value (ACV) versus replacement cost value (RCV), can be overwhelming. The insurance jargon can also be confusing for new homeowners. Therefore, it’s beneficial for new and prospective homeowners to familiarize themselves with the terminology and available home insurance options.

Home Insurance Solutions for Homeowners in the Moberly Area

The good news is that homeowners can turn to friendly and reputable agents, like the team at Swartz Premier Group Insurance, for all their insurance needs. If you live in or around the Moberly, MO area and want to learn more about home insurance, we’re here to help. Contact us to schedule an appointment with our knowledgeable team for the home insurance solutions you need and deserve at Swartz Premier Group Insurance today.

Can I Repair My Classic Car Following An Accident?

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As a classic car owner, you’ve invested significant time and money into ensuring your car looks its best and runs smoothly. You likely showcase your car at shows, share your knowledge about the vehicle, and take pride in using your expertise and skills to restore the car to its former glory. Recognizing the dedication of classic car owners, many insurance companies allow owners to work on their classic cars following an accident. If you’re looking for a classic car or other insurance and live in or around Moberly, MO, the Swartz Premier Group Insurance team is here to assist you.

Classic Car Insurance and Self-Repair

Every classic car is unique, just like its owner, which is why many insurance companies cater to the specific needs of classic car owners. While everyday vehicles are typically directed to preferred repair providers for work, these providers are often not equipped or trained to work on classic cars. Most classic cars are repaired at specialist shops that may charge higher prices, and owners have more flexibility when sourcing replacement parts due to the need for authenticity.

Some classic car insurance policies allow owners to repair their cars themselves; some even actively assist owners in locating the necessary parts. If you wish to repair your car in the event of an accident, discuss your needs with your agent so they can find a suitable insurance provider that allows you to carry out the repairs.

Working with Swartz Premier Group Insurance

The Swartz Premier Group Insurance team is here to help you find the right classic car insurance. If you live in or near Moberly, MO, call (660) 263-8900 or stop by today. Let us address all your insurance needs.

What is the difference between a condo insurance policy and a homeowner insurance policy?

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We understand that owning a home and a condo have many similarities at Swartz Premier Group Insurance in Moberly, MO. Both have mortgages, and you are considered the owner of the residence. However, when it comes to insuring your property, the differences between the two are significant and worth noting.

Understanding the Differences Between Condo Insurance and Homeowner Insurance

When you own a condo, you own the residence and its contents. However, the building structure and its property belong to the condo owner and association. Therefore, when purchasing an insurance policy, you are limited to insuring the interior of your particular home unit. You can insure your appliances and personal belongings.

With a homeowner policy, you get coverage for not only your belongings but also the home structure itself, other units such as detached garages or sheds, fences, trees (in some cases), and anything else on your residence’s property.

Due to the differences between the two, condo insurance typically costs less premium than a homeowner’s insurance policy.

In case of liability, you may obtain higher liability coverage for condo insurance since you are closely connected to others’ property. If you are liable for causing a covered peril (such as a fire), you could be more easily liable for aiding in the repairs of the structure of the condo outside of your personal dwelling.

Contact Us Today!

For more information on condo insurance and home insurance policies, what is covered, and how much coverage you may need, we would be glad to help. Call us at the Swartz Premier Group Insurance in Moberly, MO, at (660) 263-8900 to speak to one of our knowledgeable agents and get you and your family covered, whether you live in a condo or a traditional home.

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