Missouri Insurance All Your Needs in One Place

Homeowners insurance in Missouri provides the same core protections as policies across the country. These include:

• Personal property: Your personal belongings, like furniture, clothing, etc. are protected by homeowners insurance from perils like fire, theft, lightning, and more.
• Personal liability: If you get sued by a third party for claims of personal property damage or bodily injury, this coverage can reimburse for legal expenses related to the lawsuit.
• Dwelling: The structure of your home is protected by this coverage against numerous hazards, including hail damage, fire damage, falling objects, and more.
• Additional living expenses: If your home gets damaged or destroyed by a covered peril like a fire, this coverage can help reimburse the extra costs of living elsewhere while repairs are underway.

Talking to an independent insurance agent in Missouri is the best way to find a home insurance plan that works for you.

Car insurance in Missouri includes the same coverages as policies across the country, like:

• Collision: This covers physical damage to your vehicle after an accident you're at fault for. 
• Comprehensive: This covers physical damage to your vehicle caused by threats other than collision, including accidents with large animals, theft, storm damage, and more.
• Medical payments: This covers the treatment of injuries to the driver or their passengers after an accident they were at fault for.

Missouri also requires these specific types and amounts of car insurance coverage for all drivers in the state:

• Bodily injury liability: Missouri requires drivers to carry at least $25,000 per person and $50,000 per accident of this coverage, which pays for the treatment of injuries to other drivers and their passengers after an accident that you were at fault for.
• Property damage liability: Missouri requires drivers to carry at least $25,000 per accident of this coverage, which pays for the costs of repairs to another person's property (or car) that you damage with your vehicle. 
• Uninsured motorist coverage: Missouri requires drivers to carry at least $25,000 per person and $50,000 per accident of this coverage, which can reimburse for the costs of an accident with another driver who doesn't carry any or enough insurance of their own.

If you want to find a plan, talk to an independent insurance agent local to your area.

Business insurance in Missouri covers the same basics as policies across the country. But depending on your business's niche and specific needs, you may need to add more coverage to your policy to cover all your risks.

• Commercial property: Inventory and other business property, as well as the business's physical structure, are covered against numerous threats, including fire, vandalism, and more.
• Commercial general liability: Your business is covered against third-party lawsuits for claims made against it related to personal property damage or bodily injury.
• Commercial vehicle insurance: Business vehicles, or personal vehicles used for business purposes, are covered against numerous threats, including theft, fire damage, liability, and more.
• Workers' comp insurance: Company employees are protected by this coverage against injury, illness, and even death due to job duties or the work environment. All businesses in Missouri with five or more employees are required by state law to have this coverage.

Talking to an independent insurance agent in Missouri is the best way to find a business insurance plan that works for you.

Workers' comp insurance in Missouri protects a business's employees against incidents that result in injury, illness, or death. To be covered, these incidents must have occurred due to job duties or the business premises' risks. In return, employees are exempt from being able to sue the business for such incidents. Workers' comp provides reimbursement for medical treatments necessary to treat injuries and illness, and can contribute towards funeral costs if an employee dies due to their job. Businesses in Missouri must provide this coverage if they have five or more employees. 

Contact an independent insurance agent to find a workers' comp plan that fits your business needs.

Commercial vehicle insurance in Missouri covers legal costs related to lawsuits involving a business vehicle and a third party. Suppose a third party sues your business for claims of personal property damage or bodily injury caused by a company vehicle. In that case, this coverage can reimburse for attorney, court, and settlement fees. It also covers physical damage to company vehicles caused by a number of threats, including collisions, fire damage, etc.

You can find a good commercial auto plan that fits your business needs by talking to an independent insurance agent in Missouri.

Restaurant insurance in Missouri covers all the same aspects as a business insurance policy does, with a couple of additions. A business insurance policy tailored to a Missouri restaurant's needs will typically include:

• Spoilage: This covers lost inventory (and food) spoilage caused by covered disasters like power outages.
• Equipment breakdown: The large appliances used by your restaurant, including boilers, are covered against many hazards including fire damage and more.

Finding restaurant insurance through an independent insurance agent in Missouri is one of the easiest ways to get proper coverage.

Umbrella insurance in Missouri works by extending the existing liability coverage limits on policies like homeowners insurance and auto insurance. Commercial umbrella insurance can also be purchased by businesses and added to commercial general liability insurance or commercial vehicle insurance. This coverage increases liability limits in increments of $1 million or more. If a major lawsuit exhausts a policy's liability coverage, the umbrella policy's liability coverage can kick in and cover the difference.

You can find an umbrella insurance plan in Missouri by talking to an independent insurance agent.

Renters insurance in Missouri operates very similarly to homeowners insurance, covering the following:

• Personal property: Your belongings, like clothing and more, are covered against many threats, like fire damage and theft, up to your policy's limits.
• Liability: If you get sued by a guest or other third party for personal property damage or bodily injury, this coverage can reimburse for lawsuit costs.
• Additional living expenses: If your unit gets damaged or destroyed by a covered peril like a fire, this coverage can pay for the costs of your living somewhere else, like a hotel, while repairs are made.

Talk to an independent insurance agent in Missouri to find renters insurance that fits for you.

There's no such thing as a one-size-fits-all insurance policy. With a wide variety of products and options at your disposal, you might need help from a professional to choose what you really need.

Independent insurance agents in Missouri can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best insurance companies in Missouri to find you the right coverage at a great price.