Missouri Insurance

The Show Me State, Missouri, has a lot to offer its residents. Missourians can enjoy a St. Louis Cardinal's game, a plate of Kansas City barbecue, and the Missouri, Mississippi and Ohio Rivers that intersect the state. Residents can also access top notch Missouri insurance coverage through the Trusted Choice® network of independent insurance agents.

With 580 of Missouri's independent agents within reach, you are likely to find the kind of insurance coverage you need at an affordable price. With one local agent for every 10,000 residents, Missouri ranks as the 13th highest state in agent-to-population ratio. So in the spirit of the Show Me State, ask a member agent to compare several insurance companies and policy options for you, to find you great coverage at an affordable rate. Contact a local agent now to get Missouri insurance quotes chosen just for you.

Independent Agents Provide Unbiased Advice and More Options

There are two kinds of agents in the insurance business. Captive agents work for a specific insurance company and only sell that company’s set of products. Independent agents, on the other hand, can access policies from many different insurance companies.

This means the captive agent, who can only sell you one company’s insurance and options, is less able to offer unbiased advice. But an independent agent can go to many insurance companies and find almost any type of insurance product on the market.

An independent agent in the Trusted Choice network can create a customized insurance program that meets your specific needs. These agents can also shop for the most affordable price for that coverage, while a captive agent would be locked into one insurance company's pricing. For example, if you need a business or home insurance product with certain specialized options, the local independent agent can find the insurance company that offers the best and most economical coverage with those options.

Missouri Car Insurance Protects Your Vehicles

In Missouri, someone is injured in a car accident every 10.3 minutes, and dies as a result of a vehicle crash every 11.1 hours. These accidents cause over $3 billion in economic losses each year. As you can see, car insurance is an important part of your overall insurance coverage because you're at risk every time you get behind the wheel of your car or truck. 

Missouri requires all motorists in the state to carry vehicle liability insurance and uninsured motorist coverage. Liability protects you against claims made by other drivers. If you cause damage to someone else's vehicle, or injury to others, liability insurance covers you. Uninsured motorist coverage covers you if you have an accident with someone who does not have the legally required liability insurance. Uninsured motorist coverage pays for damage to your car and medical expenses related to any injuries you suffer.

In addition to mandating this insurance, Missouri requires minimum coverage limits:

• Minimum liability:
  • $25,000 per accident for injury to one person
  • $50,000 per accident for injury to two or more persons
  • $10,000 per accident for damage to another's vehicle
• Minimum uninsured motorist:
  • $25,000 per accident for injury to one person
  • $50,000 per accident for injury to two or more persons

Even though Missouri law does not require you to carry car insurance above and beyond these minimums, most financial experts agree that higher limits and collision and “other than collision” coverages are also a fundamental part of every car insurance policy.

If you cause an accident and your vehicle is damaged, you are covered by your collision insurance. If your vehicle is damaged by an incident other than collision, you are covered by your comprehensive insurance. Typically, these include falling objects, theft, fire or accidents involving animals. 

Protect Your Home with Missouri Homeowners Insurance

Your house is one of your most important investments, so protecting it is vital. Not only do you have to protect your home, you also need to protect yourself in case you are found responsible for injury to someone while that person is on your land, or you are found responsible for damage to another person's property while that property is on your premises.

Here’s an overview of what your homeowners policy needs to cover.

• Property damage: This insurance covers the structure of your house, landscaping, garages, sheds and any other outbuildings on your property.
• Contents damage or loss: This insurance protects your personal belongings, such as furniture, appliances, electronics, computers, clothes and more. Typically, the contents are covered up to a specific dollar amount. You may need to add an additional endorsement or separate higher dollar amount policy for special items like jewelry, collectibles, or fine art.
• Liability claims and lawsuits: This coverage protects you in the event of a lawsuit or liability claim, when you are at fault.

Most standard homeowners policies do not cover certain risks, such as earthquakes or floods, so be aware of any exclusions. You can obtain flood insurance through the National Flood Insurance Program. You can also get special disaster coverage, like hurricane and earthquake insurance, as a separate policy or as a rider on your homeowners policy.

Protect Your Business with Missouri Business Insurance

If you’re a business owner, you also need to insure your business from the risks it faces. To do this, you may have to combine separate policies. An independent agent can help you find all the right business insurance, even if the agent must use more than one insurance company. Because of this ability to customize coverage, Trusted Choice agents write more business insurance policies than any other brand. 

The cornerstone of your insurance program is business owners property insurance, also called a BOP. This coverage is designed for small business owners and includes general liability, professional liability, property damage, loss of business income and commercial vehicle coverage. If you have five or more employees, you’ll also need a workers compensation policy. You can also insure specialized equipment, equipment and materials in transit, and other specific business risks with added endorsements or separate policies.

Missouri Life Insurance Covers Your Family

It may be hard to think about, but life insurance may be the most important part of your insurance portfolio. In the unfortunate event of your death, life insurance proceeds can provide for your family, help send your kids through college, pay off your mortgage, and meet a number of other necessary obligations.

Life insurance comes in many forms and each has its purpose and strategy. An independent agent from the Trusted Choice network can listen to your wants and needs, help you figure out your strategy, and find you the best life insurance policies to accomplish your goals.

You may want the lower cost premium of a 20- or 30-year term life insurance policy, or you may prefer a permanent life insurance policy that will cover you until you die. You also might want to use your life insurance as a part of your retirement plan. A permanent life insurance policy, such as whole life or universal life, can offer you this option, and can be used as loan collateral, or to accrue cash value to be used in case of emergency.

Minimize Your Medical Expenses with Missouri Health Insurance

Health insurance is quickly becoming one of the most complex insurance products around. With new laws and regulations on the horizon, many insurance companies are restructuring their coverage, businesses are changing their employee plans and private insurers are offering innovative new products.

You probably don’t have time to figure it all out on your own, and you don’t have to. An independent agent can help you sort through the details and locate the best plan for yourself and your family. Local agents understand HMOs, PPOs and HSAs and can explain them to you in a clear way.

Protect Your Watercraft with Missouri Boat Insurance

Whether you’re taking a lazy ride down one of Missouri’s three great rivers on a pontoon boat or shooting across the Lake of the Ozarks on your speedboat, Missouri is a boater’s paradise. But to have the most fun, you need to know your insurance coverage will protect you and your boat if anything goes wrong.

Boaters insurance can cover boat damage, protect you from liability claims, and tow you to safety if you get stranded on the water. And you can also find insurance for your personal watercraft, such as WaveRunners, Sea Doos and Jet Skis.

Get the Coverage You Need Now

Life is full of risks, but, with the right MO insurance, you can find the peace of mind you need to live with gusto. You'll be amazed at how good you'll feel knowing your car, home, family, business and more are protected with a strong Missouri insurance program.

Now is the time to contact one of the 580 Trusted Choice agents in Missouri. You'll get a local agent with access to hundreds of insurance companies and coverage options. The agent will review your insurance coverage and make sure you have full protection, as well as find you any new insurance coverage you need. Contact an independent agent now, to get Missouri insurance quotes and coverage.