st louis vacant home insurance

We serve all 114 counties for vacant homeowners insurance and vacant building insurance in Missouri. From St. Louis all the way to the other end of the State in Kansas City, and all the tiny towns in between, we are the only experts you will need for vacant homeowners insurance in Missouri. Vacant Home Insurance now is the leading expert on vacant home insurance and landlord tenant policies. Missouri residents should understand that if a home or occupied building is expected to be empty or vacant for over 30 to 60 days you need to look into a vacant home insurance policy in Missouri. For a vacant home insurance quote tailored to your Missouri home, property or building, please fill out the quote form at www.selectinsuranceteam.com and one of our representatives will get back to you quickly. We will use the information you provide to help find the best insurance coverage for your situation.

wind and hail insurance

When selecting adequate insurance for your home, consider such perils as natural disasters (like what has happened in the St. Louis, MO area this past week). In case you purchase property in an area that is prone to tornados or floods, it is vitally important to have sufficient coverage to protect a home or real estate investment from considerable damage. Wind and Hail Insurance will cover the cost of rebuilding your home in case tornado damages the building. This coverage will protect you against wind, wind gusts, hail, rain, tornadoes, or cyclones caused by a hurricane. These disasters may result in direct physical loss or damage to property. Hailstorms may not result in the catastrophic damage often associated with windstorms or fire, but are still likely to result in significant damage to the roof of the building.

If your property is located in one of the coastal counties, your policy may exclude coverage for wind and hail damage. In this case, to be protected, you will need to obtain Wind and Hail coverage separately from something like the Texas Windstorm Insurance Association (TWIA), or special insurance pool. Your property will have to pass a windstorm inspection and can qualify for association coverage only in case it meets certain windstorm-resistant building standards.

Make sure your Homeowners or Commercial Property coverage is current and that it will pay the full replacement cost of your property should the property be damaged by windstorm or hail. Consult with a real estate or insurance professional to choose the best option available. Learn what your policy's limits are. Remember that you may have to purchase separate policies to cover wind, hail, and flood damages. Homeowners can purchase Wind and Hail Insurance with a deductible based on a percentage of possible damages, which will increase as the amount of damages increases, or with a fixed "all peril" deductible, which is considered to be the best option in case of considerable loss.

Note that there are certain ways that can help reduce damage in the event of wind and hail. Such areas as the roof, the windows, and the doors of your home can be improved to help mitigate losses in the event of a hurricane and prevent a structure from being penetrated by the wind, water, sand etc. For instance, it is very important to keep the doors and windows sealed shut and keep the roof intact. The condition and materials of the roof covering and proper angling of the roof can considerably improve the impact resistance.

Get your quote here. It's free, simple, fast and imposes no obligations upon you.

Steve Ludwig
President/CEO
Select insurance Group
1-855-GET-SELECT (438-7353)

Delivering Pizzas? You may need Drive Commercial Auto

Do you or your teenager earn a little extra spending money using your car - maybe delivering pizzas or other products? Many people don't realize that their Personal Auto policy won't cover vehicles when they're used to earn money, including making deliveries.

Be sure to check with your agent or broker to see whether you need a Commercial Auto policy to get the protection you need.

call me at 1-855-GET-SELECT (438-7353) for your FREE auto insurance consultation.

Steve Ludwig
Select Insurance Group
President/CEO

Marriage+Car Insurance=Lower Rates !

In this day and age, every single penny matters and whenever you are getting married and you are looking to gain some discounts on your car insurance, you have to know some of the steps and some of the guidelines. Your age is one of those guidelines – if you are under 25, you most likely will get a discount on your car insurance if you get married.

The reason for this is because the insurance companies believe that if you are married, you will be less likely to be a reckless driver. While you might not be ready to get married when you are under 25 years of age, just remember that there are big discounts in there on car insurance.

Let’s say that you do get married and you are under the age of 25 but both you and your spouse have a really bad driving record. Well, that is something that can definitely hinder a lot of the discounts that you can get as your driving record does follow you around.

However, if you have a bad driving record and your spouse has a good one, you can definitely get on their insurance as a secondary driver and that – alone will let have all sorts of discounts and will certainly ensure that you are saving a ton of money.

Finally, you want to make sure that you are working with a broker as well, that way you can ensure that you are getting the best deal out there and not being stuck filling the quotas for your good-neighbor captive agent!

Call me at 1-855-GET-SELECT (438-7353) for more money-saving tips!