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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

Is Your Car a Classic Car?

You don’t treat a classic car like any other set of wheels. You don’t use an antique car for your morning commute, and you don’t use your muscle car to pick up the kids after soccer practice.

Neither do you insure your classic car like any other car. At Swartz Premier Group Insurance, serving all of Missouri, we find that our customers who want classic car insurance look for three things:

  • As classic cars only become more valuable with time, customers want to insure their cars for an agreed value.
  • Customers seek coverage for spare parts and related memorabilia.
  • Since classic car owners put quite low mileage on their cars, they prefer policies that account for this low usage.
  • Customers who take their cars to shows want coverage in the United States and worldwide.
  • A growing number of our classic car insurance customers seek unique medical coverage that insures against accidents at shows.

Do you own a classic car? Your car may be considered a classic if it is:

  • At least 25 years old or 20 years old with collectible value. Some companies factor in newer models like Corvettes and Ferraris.
  • Stored in an enclosed, climate-controlled garage.
  • Strictly limited in annual road miles (excluding transportation to and from shows),
  • It’s not your primary vehicle, meaning you have another vehicle or vehicle for daily use.
  • Not used for racing.

There are also other requirements for classic car drivers. You must have maintained a clean driving record for at least the last five to ten years. You must not have had an accident or a moving violation in the past three years.

If you own a classic car in Moberly, MO, or anywhere else in the state, let your agent at Swartz Premier Group Insurance review your policy to ensure you have the coverage you need. Call us today!

Is Condo Insurance a Good Investment?

Condo living provides the perfect combination of community and amenities that many people crave. It’s a great way to simplify your housing arrangements and get many services, such as maintenance. However, condo renters still should consider investing in condo insurance. At Swartz Premier Group Insurance, serving Moberly, MO, and the surrounding areas, we want to help condo owners and renters make the best insurance choices. Let’s look at a few reasons why condo insurance is a good investment. 

Peace of Mind

One of the main advantages of purchasing condo insurance is the peace of mind that it’ll provide for you. Although the condo management or owner will have insurance on the property, this type of insurance doesn’t provide any coverage for your personal belongings. It often doesn’t cover the interior of the condo, either. It’s your responsibility to get insurance coverage for these things. This way, if there is an event such as a fire or natural disaster, your possessions and the interior of your condo will be covered. 

Future Financial Security

Another reason to consider condo insurance is because it can help your future financial security. If something happens to your condo and you don’t have insurance, you’ll be responsible for paying out of pocket to replace your possessions and possibly to repair the condo’s interior. Paying these significant expenses out of pocket suddenly could create a financial hardship for you. Investing in condo insurance provides a layer of protection for your future financial stability. 

If you’d like to learn more about condo insurance or any of our other insurance products, please contact us at Swartz Premier Group Insurance. We serve Moberly, MO, and the surrounding areas. We are here to help with your insurance needs.

Insurance Coverage for New Electronics You Store Inside Your Rental

Consider how vulnerable your electronics are. Then, choose insurance coverage that will pay for repairing or replacing the electronics you own.

Potential Damage

Your electronics could become damaged while you are actively renting your apartment or house. Accidental drops or spills could lead to electronic issues. A natural weather event or criminal activity could also result in damage that would make your electronics unusable.

Electronics To Cover

Review the following list. These are some common products that you may plan on storing inside your rental. These items, plus additional types of electronics, can be added to your existing renters’ insurance policy.

  • Laptops
  • Tablets
  • Gaming consoles
  • Digital media devices
  • Home theater equipment
  • Smartphones 
  • Fitness trackers


Take a walk through your rental unit or home. Take note of any electronic equipment you consider a large investment.

Your assessment results should include the make and model of each piece of electronic equipment that you plan to add to your renter’s insurance policy. A description of each electronic item should also be documented.


Select the amount of coverage that you need for the electronics you own. The amount should coincide with the true value of each piece of electronic equipment.

If you own valuable items, it can be beneficial to purchase an increased amount of insurance coverage.

The coverage amount you select should be assessed in the future. If you purchase new electronics, you should plan on updating your existing renters’ insurance policy.

Contact Swartz Premier Group Insurance

Meet with an agent who represents Swartz Premier Group Insurance. An agent who serves Moberly, MO will inquire about the electronics that you would like to add to your renters’ insurance policy.

Can Motorcycle Insurance Help to Replace a Stolen Motorcycle?

At Swartz Premier Group Insurance, Moberly, MO, we commonly address inquiries regarding the provision of motorcycle theft coverage within our insurance policies. While policies differ based on specific terms and conditions, this blog elucidates standard responses to these queries. For personalized information concerning your motorcycle policy and its potential coverage of theft instances, our agents are ready to provide precise clarification.

Can Motorcycle Insurance Facilitate Replacing a Stolen Motorcycle?

The theft of your motorcycle can be stressful, especially when you have to contemplate how you will finance the replacement. Considering the high costs involved in purchasing a new motorcycle, seeking viable alternatives to prevent dipping into your savings or reallocating other financial resources is essential.

Therein lies the significance of motorcycle insurance. Confirming whether your policy encapsulates conditions for replacing a lost or stolen motorcycle is important. While specific policies may not support claims related to motorcycle theft, others may include these provisions. As insurance policy terms can be complex to comprehend independently, our professional agents can help you navigate your coverage’s inclusions and exclusions.

Ensuring Adequate Coverage upon Motorcycle Purchase

It is critical to secure comprehensive motorcycle insurance coverage from the moment of your purchase to mitigate potential challenges. For more details on the motorcycle coverage options we offer here at Swartz Premier Group Insurance, Moberly, MO, get in touch with our office today.

Why do small businesses need commercial insurance?

The U.S. Small Business Administration indicates that small businesses account for 45% of Missouri employees, so small businesses are vital to the Show Me State’s economy. Due to the role of small businesses, it is crucial to recognize the role commercial insurance plays in enabling them to meet their legal and contractual obligations. If you are a small business owner, our Swartz Premier Group Insurance team, serving Moberly, MO, will help you understand your commercial insurance options and structure coverage to meet your needs.

Commercial Insurance Overview

Small businesses lack the financial backing of larger organizations and can be vulnerable to unforeseen events. However, like larger organizations, they can gain protection by adequately insuring themselves against the hazards of their industry and other factors.

Almost every small business needs protection through business property and liability insurance and can bundle it into a Business Owner’s Policy (BOP) along with the appropriate industry-specific add-ons. Likewise, workers’ compensation and product liability insurance can be part of the BOP. 

Small business owners should also acquire commercial insurance rather than mistakenly rely on their home or personal auto policies for protection. For example, business owners who keep office equipment, inventory, or tools at home should recognize that home policies typically cover only up to $2,500 worth of business assets. A commercial insurance policy should cover those assets. Likewise, owners take significant risks when allowing employees to make deliveries using the owner’s vehicle when covered by a personal policy rather than commercial vehicle insurance.

Working with Swartz Premier Group Insurance

The Swartz Premier Group Insurance, serving the Moberly, MO, small business community, will help you customize an insurance plan to protect your business and personal assets. Give us a call today at 660-263-8900 to discuss your commercial insurance options.

Life Insurance at your Age? Yes!

Life insurance is one of the most important policy types on the market but is, unfortunately, something that Swartz Premier Group Insurance sees too many people passing up on in their lives. If you live in Moberly, MO and feel like you’re not the right age for life insurance, read on to learn more.

You’re Not Too Young For Life Insurance 

When you’re young and finding your place in the world, you might think life insurance is unnecessary. But what happens to your loved ones if you, heaven forbid, pass away? They’re going to be stuck with very costly end-of-life expenses that could be nearly impossible for them to cover.

After all, you might be at the point where you’re looking to start a family. Your partner and little ones deserve that extra protection. Even if you’re not planning a family, your loved ones should have a policy that keeps them safe if you suddenly pass away and are the main earner in the family.

Nor Are You Too Old

On the flip side, you might think that it’s too late for you to get a beneficial life insurance policy. Maybe you’re in your 50s or 60s and think no insurance is available. That’s thankfully not the case. These days, life insurance options for people in their senior years are very beneficial.

For instance, it can provide you with comprehensive coverage based on your age and your health concerns. You’re not blocked out of a policy if you have a chronic or persistent health issue. That’s something to consider if you’re worried about getting older and need help staying strong.

We’re Here to Help!

The thing about life insurance is that it’s never too late or too early to get a policy! The right age for protection is always "now," so please call us at Swartz Premier Group Insurance to find a policy. We have helped many Moberly, MO residents find the coverage that makes the most sense for them.

Is There a Limit to the Number of Claims You Can File Against Homeowners Insurance?

Being a homeowner comes with many responsibilities. You must ensure that the house remains in tip-top condition by maintaining the home’s exterior, making repairs, and more. Another responsibility as a homeowner is to ensure that you always keep homeowners’ insurance. While you might be lucky and never need to file a claim against your homeowners’ insurance, you never know when you might need to file one. One thing that many homeowners wonder is, do insurance companies limit the number of claims a Moberly, MO homeowner (or homeowners elsewhere) can make against the policy? 

Each Insurance Company is Different

Each insurance company is different and has its own rules, but it’s safe to say that there is a limit to the number of claims a person can file against their homeowners’ insurance. The average limit is between two and five per year. To find out what the limit is with your insurance company, you will need to contact them directly. 

You Could Pay More for Insurance in the Future

If you file excessive claims with your homeowners’ insurance company, you could end up paying a higher rate in the future, as you could be seen as a high-risk homeowner. Therefore, you should make every effort to keep the number of claims you make to a minimum. 

Reach Out To Us

If you’re interested in finding a new home insurance agent and you’re a Moberly, MO resident, you might want to check us out at Swartz Premier Group Insurance. At Swartz Premier Group Insurance, we pride ourselves on not only providing top-notch coverage but also excellent customer service. Give us a call today to be provided with a quote before we assist you with getting your policy started. 

Classic Car Insurance for New Collectors: Your Quick Guide

Our team at Swartz Premier Group Insurance can provide Moberly, MO area residents with the help that they need with a variety of insurance types. For instance, we can help you with classic car insurance that protects your investment. Here’s what you need to know about this policy type.

When Your Car is a Classic 

Here’s a tough question that we know you might not feel comfortable answering: Is your car truly a classic? Here are a few qualifications it has to meet to fall under classic status: 

  • At least 25 years or older 
  • If not that old, a new and exotic model (Aston Martin, Alfa Romeo, and such)
  • Popular antique favorites like Chevy, Ford, and Dodge classics
  • Replica cars that recreate a cool, old-style 
  • Specialized vehicles (hearses, fire trucks, school busses)
  • Used only for exhibition and club activities 
  • Stored in a locked and enclosed structure 

When getting this type of insurance, you typically get surprisingly low deductibles and an agreed-upon cover value, meaning that you get protection up to a point that we agree on. 

What Your Policy Covers 

When you get a classic car insurance policy, it covers a variety of concerns, including:

  • Liability issues, such as underinsured and uninsured motorists’ coverage
  • Personal injury protection and medical payment coverage
  • Towing and roadside assistance coverage 
  • Spare part coverage to help repair your vehicle 
  • Replacement cost of your vehicle if it’s damaged 
  • Restoration costs to improve your vehicle’s style

Why You Should Work With Us

At Swartz Premier Group Insurance, we take your Moberly. MO classic car seriously. We will work hard to find a policy that makes sense for you and will fight for your rights. It’s our goal to provide the high-quality and meaningful policy protection that you deserve. So contact us today to learn more!

What consequences can I face if I do not have condo insurance?

People who are living in the Moberly, MO area will find there are plenty of great housing options. One option to consider is to purchase a condo, which comes with many benefits of homeownership without all the costs of responsibilities. If you are going to live in a condo, you do need to make sure that you are insured. You could face various consequences if you do not have a full condo insurance plan. 

Penalization and Violation

One consequence that can come when you are not covered with insurance for your condo is that you can be penalized and face various penalties. A condo owner will likely be subject to various rules and regulations set by a condo association. Further, you will likely be required to carry insurance if you have taken out a mortgage. If you do not have coverage, either the association or lender could place you in default and charge penalties. 

No Coverage

More importantly, when you do not have insurance, you will not have any coverage. A condo insurance plan covers various assets and will offer liability coverage. When you are insured, this can provide very helpful support that will ensure you have financial protection against various risks. If you don’t carry a proper condo plan, you will not receive this coverage or support. 

Consult With Us

It is clearly important that you get a condo insurance plan for your home in the Moberly, MO area. When you are ready to start looking for a plan here, you can call our team with Swartz Premier Group Insurance to discuss your needs and build the right plan. Our professionals with Swartz Premier Group Insurance know the value of this coverage and will ensure you are able to build a plan that is ideal for your situation. 

The Benefits of Rental Insurance During Natural Disasters

Rental insurance is a valuable form of protection that allows you to transfer your risk and protect your belongings. While this coverage can offer you protection from many types of perils, one of the significant benefits it offers is protection from natural disasters. Once you contact an insurance company, such as Swartz Premier Group Insurance, you’ll be able to obtain the coverage you need to feel secure in the Moberly, MO area.

Protection for Your Property

When you obtain rental coverage, you can have your belongings covered. A few examples include your clothing, your jewelry, and your furniture. If a natural disaster happens, it could result in the complete loss of your belongings, so you would need to replace most of what you own. With rental coverage, you’ll know you’re protected from taking on the full financial brunt of such a significant loss.

Temporary Living Expenses for Your Family

When a natural disaster strikes a region, such as Moberly, MO, you can find your rental inhabitable. This would leave you and your family in need of temporary housing. With rental coverage, your temporary living expenses could also be covered. This coverage can cover your meals, transportation, replacement clothing, replacement hygiene products, and more.

Liability Protection for Your Assets

Rental coverage can also provide you with liability protection. If someone happens to get injured in a natural disaster or due to damage caused by a natural disaster to some of your property that ends up harming them, your coverage can take care of that party’s losses or damages. This can be a big help in the case of someone getting hurt and having substantial medical bills and additional losses. If you’re ready to discuss your rental coverage needs, you can contact Swartz Premier Group Insurance for information and assistance.