Owning real estate is a good option for those in the Moberly, MS area. If you want to own a home here, but do not want all of the maintenance obligations, purchasing a condo can be a good idea. Along with looking to buy a new condo, you should also start looking for a new insurance policy.
Having this insurance support will be needed for a few reasons:
A primary reason to get any type of insurance is to protect your assets. If you are a condo owner, a condo insurance plan can provide very valuable support. With this type of coverage, you will have protection for both your condo as well as your personal assets within it. This can be quite helpful if you incur a loss due to bad weather, fire, vandalism, or even theft.
Comply with Insurance Requirements
When you are a condo owner in this state, it is very likely that you will be required to carry some form of condo insurance. Most likely, you will be part of a larger home association that will have very specific insurance rules. Further, you will have standards that need to be met to comply with your mortgage lender. With a proper condo insurance plan, you can stay in compliance with all of these requirements.
Give Us A Call
If you want to purchase a condo when you are in the Moberly, MS area, spending time assessing your insurance needs is important. As you are looking for a policy in this region, you should start the process by speaking with Swartz Premier Group Insurance. There are many choices to make and Swartz Premier Group Insurance will give you the support you need to choose a plan that is ideal for your situation.
Renters insurance is vital to protecting your belongings, whether you’re a first-time renter or have been living in apartments for years. But what happens if you have bad credit? Can you still get renters insurance?
The answer is yes – but it may be more difficult and more expensive. Swartz Premier Group Insurance in Moberly, MS provides with expert insurance advice on navigating this important coverage. Here we discuss how bad credit can affect your ability to get renters insurance, and we’ll also provide some tips on how to make it happen.
Can Bad Credit Affect Your Eligibility for Renters Insurance?
Bad credit won’t necessarily disqualify you from getting renters insurance, but it can make it more difficult. Insurance companies use credit scores to help determine premiums, and if your score is low, you may be seen as a higher risk.
This means that you may have to pay more for your coverage or you may only be able to get coverage from a limited number of insurers. If you’re looking for renters insurance and have bad credit, you need to talk to a reputable company like Swartz Premier Group Insurance in Moberly MS.
What You Can Do If You Have Bad Credit
There are a few things you can do to try to get around the issue of bad credit:
- Look for companies that don’t use credit scores when determining premiums
- Shop around and compare rates from different companies
- Pay your premiums in full upfront to avoid finance charges
- Try to improve your credit score. This takes time, but if you’re able to do it, it can make a big difference in the cost of your insurance
Give Us A Call
Bad credit doesn’t have to be a deal-breaker when it comes to getting renters insurance. There are plenty of options available, but you may have to do some extra work to find the right policy for you. Swartz Premier Group Insurance in Moberly, MS can help you find the right renters’ insurance policy, no matter what your credit score is. Contact us today to learn more.
Basic motorcycle coverage is insufficient to provide adequate insurance for your riding needs. This is why it’s critical that you take the extra step of customizing your motorcycle insurance with add-on coverages. Here are some common riders you can add to your basic motorcycle policy in Moberly, MS.
Common Riders to Add to a Motorcycle Policy
1. Pillion Cover
Do you plan to ride your bike with a passenger at the back? Then, you will need to add a pillion cover rider to your motorcycle insurance. This will cover the passenger in case they get injured while on your bike. If you don’t take this coverage, you will be liable if your pillion is hurt while riding at the back of your bike.
2. Insurance for Modifications
Part of the fun of owning a motorcycle is being able to customize it. If you will be investing in modifying your bike, you will need to purchase insurance for modifications coverage to protect. Your standard motorcycle coverage will not cover any damage or theft of the modifications you do on your bike. At Swartz Premier Group Insurance, we suggest you review your insurance for modifications rider coverage anytime you add new modifications to your bike.
3. Helmet and Leathers
Motorcycle gear can be expensive to replace if it’s damaged in an accident. However, standard motorbike insurance doesn’t cover your gear, only your bike. Getting the helmets and leather coverage for your standard bike insurance will allow it also to cover your riding gear.
4. Breakdown Cover
Every biker fears having their motorcycle break down in the middle of nowhere. To be safe, you will need to get the breakdown add-on cover. This rider policy will cover the cost of roadside assistance and recovery if your bike breaks down on the road.
Are you seeking motorcycle insurance with useful rider coverages in Moberly, MS? Contact Swartz Premier Group Insurance today.
Many boat owners in Moberly, MS like to lend their boats to their friends and assume everything will be okay since the vessel has boat insurance. However, this might not necessarily be the case, depending on your insurance type and other factors.
What Happens if I Have Standard Liability Coverage?
Most boat owners go for basic liability coverage for their boats because they want some protection for their vessel, and it’s cheaper. This provides coverage for physical damage against your vessel, passengers, and other items listed in your policy. However, this policy ceases to provide coverage if the person who was driving the boat at the time of the incident isn’t named in your policy. Therefore, if you loan your vessel to someone and they get into an accident, and the boat has standard liability coverage, you will have to take care of the damage out of pocket.
What if I Have Umbrella Coverage?
An umbrella policy covers you and anyone you can loan your boat. This policy will cover damage resulting from an accident whether you, your family members, or anyone else was driving the vessel. At Swartz Premier Group Insurance, this is the coverage that we recommend that you get.
Keep in mind that although you have an umbrella policy, your claim will be denied if the person you lend your boat was driving the vessel;
- Without an appropriate boating license
- They were running a business or taking part in a commercial transaction
- Paid you, or you paid them to use your boat
- They were drunk beyond the legal limit
- They didn’t have the necessary safety equipment like a first aid kit and life jacket
- They weren’t wearing a life jacket
Do you need to get umbrella insurance for your boat in Moberly, MS? Call us at Swartz Premier Group Insurance for the best umbrella boat insurance offer.
Having an auto and a home insurance policy is important for protecting your assets. However, they may not be giving you the financial protection that you need. These policies are often low on liability coverage, and this can put you at financial risk if your insurance can’t pay for all of the medical bills that result from a serious accident. That’s where umbrella insurance can come in and keep you from having to pay thousands, or more, in medical expenses. Call us at Swartz Premier Group Insurance in Moberly, MO today if you need umbrella insurance.
What Is Umbrella Insurance?
Extra Liability Coverage
If you already have a home and auto policy, you have some protection against liability in each of them. Many of these policies come with low liability coverage, and this can cause you to have to pay all of the leftover medical bills when the auto or home policy maxes out. With umbrella insurance, you get a new layer of liability coverage laid over the coverage you get from those other two policies. The maximum payouts of umbrella policies are very high, allowing for a deep layer of coverage against even serious accidents.
Paying After an Accident
When an accident occurs, your auto or home policy will assess the situation and pay the resulting medical bills- up to its limit. Then, the umbrella insurance comes in and tackles the bills that are left over after that limit. And with its much-higher limit, the umbrella policy will usually be able to pay for all of the rest of the bills. This keeps you from having the risk of a serious accident that you can’t pay for.
Get Umbrella Coverage for Your Financial Risks
If you don’t have an umbrella policy yet, call us now at Swartz Premier Group Insurance in Moberly, MO.
Swartz Premier Group Insurance is an independent agency. We assist the Moberly, MO community. We are committed to helping our clients find the coverage they need to protect their assets. We have partnerships with multiple carriers throughout the Midwest. This allows us to provide flexible coverage options that adapt to life’s changes.
Common Commercial Insurance Mistakes
As a Moberly, MO business owner, you are constantly looking for ways to stay ahead of the competition. A strong commercial insurance policy is a great start. Commercial insurance covers your business against various risks associated with operating a business. Liability insurance is the foundation of your policy. Your business is covered if a customer alleges that your products caused them harm or if they suffer an injury while visiting your business. Worker’s compensation covers your business if your employees are injured on the job. The policy allows you to cover their medical treatment. All of your inventory is covered if it’s stolen or accidentally destroyed. As you look over your policy, avoid these common commercial insurance mistakes.
Neglecting Commercial Auto Coverage
If you provide a delivery service, the only way to stay fully protected is by adding commercial auto insurance. Many business owners assume that they can rely on their personal auto coverage to protect them against damage to their commercial vehicles. If something happens to your commercial vehicle, you will be left exposed if you don’t have the proper protection.
Thinking Your Business Is Too Small For Coverage
This is a common mistake many business owners make. If you have a small business, that’s even more of an incentive for you to get insured. If your small business suffers a significant loss, you likely wouldn’t have the resources to cover it with insurance.
Swartz Premier Group Insurance Will Help You Protect Your Investment
Visit our website to learn more information about commercial insurance.
Swartz Premier Group Insurance serves the Moberly, MO community. We are an independent agency. We offer our clients multiple types of coverage to ensure that they are protected regardless of life’s challenges. Providing strong customer service is a priority. We sit down with you and go over your insurance needs. Through our extensive experience in the industry, we are confident that we can help you find a custom policy to navigate life’s risks.
Popular Add Ons To Auto Insurance
Operating a vehicle is unpredictable. You have to deal with unique variables such as the ever-changing road conditions and the behavior of other drivers. Auto insurance helps protect you on the road, as an accident could occur at any time. Liability coverage protects you if your vehicle is responsible for causing an accident. Collision coverage protects you if you are not at fault for the damage caused to your vehicle through impact with another driver. Comprehensive coverage protects you if you are a victim of theft or your vehicle is damaged in unique ways, such as an accidental fire. One of the unique features of auto insurance is the ability to add special types of coverage to the policy. Here is a closer look.
Emergency Roadside Assistance
Perhaps you are traveling out of Moberly, MO and your vehicle shut off. Your vehicle has a dead battery. Emergency roadside assistance covers you in this situation by dispatching urgent towing service or jump-starting your battery.
If your vehicle is seriously damaged in an accident, rental coverage provides a safety net. You can find another vehicle to drive until your vehicle is repaired.
Uninsured Motorist Coverage
Uninsured motorist coverage protects you if your vehicle suffers damage in a collision with a driver who doesn’t have insurance. This coverage alleviates a lot of potential stress.
Swartz Premier Group Insurance Will Help You Protect Your Assets
Visit our website to learn more information about auto insurance.
Life insurance should be a part of financial planning for anyone who will be retiring someday. Life insurance is something you purchase looking ahead to the future in the hope of protecting your dependents. How can you have financial planning without that? In Moberly, MO, Swartz Premier Group Insurance is your local independent insurance agent. We work for our clients, not the insurance companies. It is our goal to make sure every client has the protection they need.
When you are planning for your future financial security, it begins early. When you are young, life insurance is at its most affordable. It is the right time to begin by making sure you have a secure future. Whole life is a way of providing that security. It is life insurance that lasts for your lifetime and the cost never rises. In addition to providing a death benefit in the event that you pass away, your beneficiary will reap the benefits of the insurance policy. But if that doesn’t happen, the policy will earn dividends and continue to grow. The value can be borrowed against for needs you may have.
Term life insurance provides the security you need financially as you are growing your family and at the times in your life when your financial needs are at their greatest. It is affordable and can be purchased the larger amounts that may be necessary to guarantee the future of your family if you should be taken away.
When the term of your policy is up, there is no financial benefit, but what you pay for is the death benefit and the protection it provides. As you age, the need for large amounts of life insurance diminishes. Your whole life can be kept for protection or cashed in for its value.
Contact Swartz Premier Group Insurance in Moberly, MO, to discuss your life insurance needs.
Home insurance is a legitimate treaty between an insurer and the policyholder that offers protection against any loss or damage caused to the policyholder’s property. Swartz Premier Group Insurance is an insurance company that covers private residences in Moberly, MO. It is commonly referred to as homeowner’s insurance. If you are a homeowner in Moberly, MO, worry not. Don’t hesitate to contact our charismatic agents at Swartz Premier group Insurance and get home insurance matching your needs and budget.
How does Home Insurance Protect Someone?
If you are buying a home in Moberly MO or already own a home, you need to be familiar with all the coverages available for your home. Swartzpremier Group Insurance offers home insurance coverages that protects you from the following;
- Dwelling coverage. In case of any hazards, this policy covers all structures of your home, including the floor, walls, built-in appliances and ceiling, and any other attached structures. It also covers perils like fire, theft, vandalism, and hail. In case of a total loss, the policy also helps to rebuild your home. In the short term, dwelling coverage should equal your home’s replacement cost. Your garage and gazebo are also insured under dwelling coverage, as long as it is attached to your home.
- Liability Coverage. This policy covers bodily injury or property damage affecting a guest while in your home or elsewhere. Also, it chips in if your property is damaged as a result of a covered accident.
- Content Coverage. The coverage covers contents like clothing and furniture in your home when there is a covered hazard. In Moberly MO Swartz Premier Group Insurance gives the insured funds for the value of damaged items.
- Additional living expenses coverage. The insurance company is in a position to cover your expenses if there is a need to move and live elsewhere. This can happen due to a fire outbreak or any other disaster where your home needs to be reconstructed. The extra costs can include the hotel bill, restaurant meals, and emergency clothing. However, it is vital to note that this does not happen whenever you need a vacation. The insurance company has to figure the issue out and finally conclude that your family needs to live somewhere else as they work in your home.
Are you a homeowner searching for salient home insurance in Moberly, MO to protect your home and loved ones? Please get in touch with our agents at Swartz Premier Group Insurance to get detailed information about home insurance.