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

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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

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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.

Three challenges you may face when you buy motorcycle insurance

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If you are a motorcycle owner in Moberly, MO, we can insure you at Swartz Premier Group Insurance. Call us for a quote, and we’ll walk you through the process of getting the coverage you need for your bike.

You might face some challenges when you’re insuring your bike.

Here are three challenges you may face when you buy motorcycle insurance:

Choosing the types and amount of coverage you need

Selecting the right types and amounts of motorcycle insurance is vital for comprehensive protection. Factors like your bike’s value, your riding habits, and local regulations play a role. Balancing coverage options, deductibles, and premiums ensures you’re adequately protected so that you can ride confidently.

Understanding any limitations of your coverage

Understanding the limitations of motorcycle coverage is essential to avoid surprises in times of need. Policies may have exclusions for certain modifications, off-road riding, or other scenarios. Clear comprehension of these limitations allows you to plan effectively, ensuring that you’re prepared for any situation you may encounter while riding.

Being a young rider without a long riding history

For young riders without an extensive riding history, finding suitable motorcycle coverage can be challenging. Some insurance companies will not offer motorcycle insurance coverage to new riders.

While getting covered might be more challenging if you don’t have a long riding history, you should be able to find coverage if you do your research and shop around. Researching options, considering safety courses, and working with insurers who understand your unique situation can help you find the coverage you need.

Consult With Us

Rev up your ride with the protection it deserves! Our motorcycle insurance at Swartz Premier Group Insurance offers the coverage you need for thrilling adventures. Contact us for a motorcycle insurance policy quote so that you can insure your bike in Moberly, MO. 

How To Prevent Slip and Fall Accidents at Your Business

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There’s a lot that goes into running a successful business. From managing staff to overseeing financials, the list of responsibilities can seem endless. One responsibility that you should not overlook is making sure that your company is safe. Slip and fall accidents make up a large portion of all workplace injuries, so it’s important to take the necessary steps to prevent them. At Swartz Premier Group Insurance, we help Moberly, MO business owners get what they need.

Preventing Slips and Falls At Your Business 

  • Keep floors clean and dry – Make sure to keep your floors free of debris, liquid spills, grease, and other liquids. Cleaning and drying up any spills immediately is key.
  • Well-lit walkways- Clear visibility is important for all workers. One step in the wrong path can cause a nasty fall. Invest in good lighting and make sure pathways are clear of obstructions to avoid accidents.
  • Proper training- It’s important to invest in quality training for every employee. For instance, having a proper ladder safety training program and ensuring that all employees follow the appropriate protocols can help reduce accidents.
  • Routine safety inspections– It’s critical to have attention to detail for every part of the workplace. Have a regular inspection of the premises to make sure all safety features are in place and functioning properly.

Coverage For Your Business

Commercial insurance can help cover any expenses related to slip and fall accidents. Swartz Premier Group Insurance provides comprehensive coverage for businesses in Moberly, MO. Our experienced agents can help you get the right coverage for your business. Contact us today to learn more about our commercial insurance products. With our help, you can rest easy knowing that your business is protected from dangerous slips and falls!

The difference between whole life insurance policies and term life insurance policies

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Whole life insurance policies and term life insurance policies are two different types of life insurance policies that offer different coverage and benefits here at Swartz Premier Group Insurance.

Whole Live vs. Term Life

Whole life insurance is a type of permanent policy, meaning it covers you for your entire life and provides lifelong protection whether you are in the Moberly, MO area or anywhere else. It also accumulates cash value, so you can tap into the funds if needed.

On the other hand, a term life insurance policy is a temporary policy that provides coverage for a specific period of time. Term life insurance does not accumulate any cash value, and after the specified term ends, the coverage ends as well. 

Both types of policies have their own advantages and disadvantages depending on your needs. Whole life insurance offers lifelong protection plus an accumulation of cash value over time but tends to be more expensive than term life insurance in the long run due to added features like cash value accumulation. Term life insurance is ideal for short-term protection since it’s less expensive than a whole-life policy and doesn’t require any additional investment from you, however, there’s no guarantee that you’ll receive anything after the specified term has ended. 

Choosing between these two types of policies boils down to what type of coverage works best for your individual needs and budget. If you need lifelong protection with some added financial security, then whole life may be right for you, but if you only need short-term coverage at an affordable rate, then term life may be best suited for your needs.

Reach Out To Us

For more information, give us at Swartz Premier Group Insurance a call today. We are proud to serve the Moberly, MO area.

Does Home Insurance Include My Artwork?

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As art enthusiasts, we understand the importance of protecting your favorite pieces. Every Moberly, MO homeowner wants to ensure that their belongings are covered in the event of an unexpected loss or damage. At Swartz Premier Group Insurance, we are frequently asked whether or not artwork falls under the category of a covered belonging in a standard home insurance policy. 

What Does Home Insurance Cover?

Before determining whether your artwork will be covered under your policy, it’s essential to understand what a standard homeowners’ insurance policy generally covers. Home insurance usually includes coverage for the structure of your home, personal property, personal liability, and additional living expenses.

Does It Cover Artwork?

Usually, standard home insurance policies cover artwork up to a specific limit. However, it’s essential to understand that these limits can vary depending on the value of your artwork, so it’s always best to speak with your insurance agent about your specific policy.

What About High-Value Artwork?

If you have a collection of high-value artwork that exceeds the limit of your policy, it may be necessary to purchase additional coverage to ensure that your artwork is fully protected. Swartz Premier Group Insurance offers different policies specifically designed to protect high-value artwork.

How Can We Help?

Our expert agents at Swartz Premier Group Insurance in Moberly, MO can help you determine the value of your artwork and adjust your policy accordingly, so you can rest assured that your most prized possessions are adequately protected.

Standard homeowners’ insurance policies typically cover artwork up to a specific limit. However, reviewing your policy and speaking with your insurance agent is essential to protecting your artwork. Contact Swartz Premier Group Insurance for assistance in determining the value of your artwork and adjusting your policy accordingly.

Common Classic Car Insurance Myths Debunked

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If you’ve just bought a classic car, you’re probably passionate about the vintage automobile industry. Like any significant purchase, you need to get the vehicle insured. Swartz Premier Group Insurance in Moberly, MO can help you navigate this important coverage.

We’ve debunked some of the most common myths to make finding a policy easy:

Classic Car Insurance Covers Everything

Unfortunately, this is not the case. Policies vary widely on the insurer and the specific policy, with some offering limited coverage for parts, modifications, and accessories. Therefore, it’s crucial you read your policy and know what won’t be covered. 

You Only Need to Insure Show Cars

Classic car insurance policies might be designed for rarely driven vehicles or ones used for car shows or exhibitions, but there are also policies for cars driven regularly. Many car enthusiasts want to drive their vehicles, and policies are designed with that in mind.

Classic Car Insurance is Expensive

A common pitfall is believing this type of insurance is more money than regular auto insurance. Your classic car insurance policy can be tailored to meet your and the vehicle’s needs, meaning lower premiums. Insurance companies even offer discounts for things like safe driving and having multiple policies.

Classic Car Insurance is Only Available Through Specific Insurers

Some specialty insurance companies offer classic car insurance, but your options aren’t limited to those. Many traditional insurance companies offer policies for classic cars. 

Reach Out To Us

At Swartz Premier Group Insurance in Moberly, MO, we know how important it is to find the best policy for your classic vehicle. We will work with you to find coverage that meets your specific needs, so your classic car is protected, no matter what. 

Why All Condo Owners Need Condo Insurance

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When it’s time to buy a condo, it’s also time to get a condo insurance policy. Every owner of a condo needs condo insurance for several reasons. It is excellent coverage that protects you against a wide range of events that can happen and damage your condo. However, it’s also generally required for condo owners to have it. Your condo board and lenders will each require it. If you need to arrange for a condo policy to take effect, call us at Swartz Premier Group Insurance in Moberly, MO to get started. 

Why Condo Insurance?

Dwelling Coverage

One of the most important types of coverage that come with a condo policy is coverage for the dwelling. This covers the condo portions that you own against a wide range of risks such as accidents and certain disasters. There will be many different types of risks outlined in the policy that tells you what will be covered. When a damaging event happens and causes damage to your condo, you would be responsible for all of the repair bills without a condo policy. When you’re covered, the policy pays for the repairs and protects you financially. 

Possessions Coverage

It isn’t just the condo itself that can get damaged. It’s also everything inside it. When those items are damaged in the event, your condo policy can also pay to have those possessions replaced. This is essential coverage when you consider how much it would cost to replace the things in your home. 

Liability Coverage

Another form of coverage that you get from these policies is for liability. This protects you in case someone enters your condo and has an accident there with injuries. The policy can pay for the medical bills that result from this accident, so you don’t have to. 

Get Condo Insurance Today

When it’s time for a condo policy, call us at Swartz Premier Group Insurance in Moberly, MO. We are here to help!

My landlord has insurance. Do I really need renters insurance as well?

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Being a tenant of a rental property in the Moberly, MO area comes with a certain set of responsibilities. Knowing that your landlord has insurance is reassuring, but it’s also important for renters to consider their own insurance needs as well.

Why Renters Insurance?

Even though your landlord may have coverage in place, you’re still responsible for any damage or loss that may occur within the premises. This means that if something like an appliance or piece of furniture gets damaged due to wear and tear, you could be held liable. 

For this reason, it’s always a good idea to look into renter’s insurance policies at Swartz Premier Group Insurance. Renters insurance will provide financial protection in the event of a loss or accident involving your possessions. It can also offer liability coverage if you are found responsible for an injury or damage to someone else’s property while at the rental unit. 

Renters insurance provides protection against vandalism, theft, and fire damage as well as covers replacement costs if such events were to occur. While this kind of policy isn’t typically needed by everyone, it might be worth looking into if you live in an area with higher crime rates or frequent natural disasters such as hurricanes and earthquakes. 

Reach Out To Us

Although your landlord may have insurance in place, it’s important to know what kind of coverage they have and what additional protection you need on your own behalf as a renter. When considering whether or not renters insurance is necessary for yourself, take into account where you live and how much risk there is for theft or other damages outside your control—this will help determine how much coverage you need from an insurance provider.

For more tips, call us at Swartz Premier Group Insurance today. We serve the Moberly, MO area. 

Safety tips for motorcycle riders

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Riding a motorcycle can be an incredibly thrilling experience, but it’s important to remember that safety should always come first. In order to stay safe while riding, Swartz Premier Group Insurance has a few safety tips for riders in the Moberly, MO area. 

Safety tips for motorcycle riders

One of the most effective safety tips for motorcycle riders is to wear protective gear at all times. This includes a helmet, gloves, boots, and a reflective jacket to help increase visibility when riding at night. Wearing protective gear keeps riders safe from potential injuries in case of an accident. 

It’s also important to make sure the bike is in good condition before each ride. This means checking the brakes, tires, and chain tension before every ride, as well as making sure the lights are working properly. Doing these simple maintenance checks can help ensure a safe ride and reduce the risk of breakdowns or accidents on the road. 

Another key tip for motorcycle riders is to always remain aware of one’s surroundings while riding. Riders should make sure they can see at least two seconds ahead of them while on the road, so they have enough time to react if something unexpected happens on the road. It’s also important to watch out for other drivers who may not be paying attention or are driving recklessly. 

Finally, it’s important for motorcyclists to always follow all traffic laws and regulations when riding on public roads. Obeying speed limits and signaling properly when turning will help ensure a safe ride and reduce the chances of getting into an accident with another vehicle or pedestrian. 

Make Sure To Get Motorcycle Insurance

By following these simple safety tips, motorcycle riders can enjoy their rides without worrying about unnecessary risks or dangers on the road. For more safety tips, call Swartz Premier Group Insurance today! We proudly serve the Moberly, MO area and will be happy to provide you with motorcycle insurance and answer any concerns. 

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