Chesterfield Missouri Insurance Agency

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Alternatives Insurance® of Chesterfield Is The Right Choice

Chesterfield MO Insurance Agency | Alternatives Insurance® of Chesterfield | (636) 449-1213Often times our agents meet potential customers who have had an insurance agent for years and whom they have never met, nonetheless have visited their office.  It is shocking to me that people put their life in the hands of a stranger and have no personal connection or relationship with their Chesterfield Missouri Insurance Agent. The Chesterfield Missouri Insurance Agency of Alternatives Insurance® prides ourselves on the fact that we take great interest in our clients’ and their family’s well-being. It is important that our clients trust the staff and licensed agents of our agency.

Alternatives Insurance® Chesterfield Missouri Insurance Agency staff meets one-on-one with our clients to provide a comprehensive account review and make sure they have the best protection.  We explain the coverage options, benefits, and potential risks based off their needs versus current their current insurance coverages. We take the time to walk our client’s through every step of the decision process to make their experience as educational and informative as possible.

Alternatives Insurance® of Chesterfield opened in 2007 as a full service Independent Chesterfield Missouri Insurance Agency and a proud member of Alternatives Insurance® Group. Alternatives Insurance® Group is an organization of insurance agencies located in the local St. Louis area; founded in 1992. The agents of Alternatives Insurance® of Chesterfield are licensed producers with Missourire than 60 years combined experience. The agency is dedicated to providing every client with protection products that are tailored to fit their individual needs. Whether it’s personal or business insurance, we provide the tools, resources, and superior customer service.

Year after year, our team continues to review, improve, and renew our products in addition to maintaining relationships with our valued carrier partners.  Our exceptional efforts and commitment ensure our clients’ fundamental insurance needs are met completely, competitively, proudly, and locally, by the staff at Alternatives Insurance® of Chesterfield.

You can find dozens, if not hundreds, of local Chesterfield Missouri Insurance Agency in your telephone book or on the internet. Thanks to the internet you can also go directly to many insurance companies and get a quote. If you like the quote you can often buy a policy by filling out a few Missourire forms, right on the spot. This is where the customer relationship has a disconnect.  While we also offer quick quote button on the right of this page, we take the time to contact you personally.  We schedule an appointment to meet in person, get to know you and listen.

So why not do business with a local Chesterfield Missouri Insurance Agency, who can very likely get you a better deal than you can get for yourself.  Alternatives Insurance® of Chesterfield serves all of Saint Louis County Missouri, including Chesterfield, Ballwin, Manchester, Creve Coeur, Glencoe, Wildwood, Town and Country, Frontenac, Ellisville and Des Peres. We proudly represent many of the industry’s leading national and regional Missouri insurance companies offering competitive rates through Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and dozens Missourire.

The licensed professionals at our agency have the ability to quickly check prices and coverages with dozens of different insurance companies. We can handle all of your insurance in one place and shop hundreds of carriers for you to get you the best protection, at the best price.  We conveniently offer an entire solution for all your personal insurance and business needs.  Our agents are licensed to sell and are knowledgeable in many areas of the insurance industry, including the following products:

PERSONAL INSURANCE

  • Auto Insurance
  • Homeowners Insurance
  • Life Insurance
  • Missouritorcycle Insurance
  • Boat & Watercraft
  • Flood Insurance
BUSINESS INSURANCE

  • General Liability
  • Commercial Auto
  • Workers Compensation
  • Commercial Building Property
  • Business Personal Property
  • Business Umbrella Policies

 

Alternatives Insurance® of Chesterfield is a supporting member of the Missouri Association of Insurance Agents and committed to the TrustedChoice® Pledge.

  Chesterfield MO Insurance Agency | Alternatives Insurance® of Chesterfield | (636) 449-1213

As a Trusted Choice® agency, we are dedicated to you and are committed to treating you as a person, not a policy.

The agents of Alternatives Insurance® of Chesterfield are fully licensed and comply with the Missouri Bureau of Insurance requirements.  Once our Chesterfield Missouri Insurance Agent receives a license we ensure they comply with continuing education requirements and complete courses approved by the Missouri Insurance Department.  All of our agents throughout the company are compliant and ready to work for you.

Alternatives Insurance® of Chesterfield agents are advisors you can trust.  

Alternatives Insurance

Alternatives Insurance

Here are the top three reasons to choose a Chesterfield Missouri Insurance Agent with Alternatives Insurance® of Chesterfield:

  1. Personal service – Agents are trained to assess your needs, offer unbiased advice and support you should the unexpected happen.
  2. Peace of mind – Your auto insurance agent is a member of your local community and can handle your full range of insurance needs all in one place.
  3. Value – Your independent agent can access insurance coverage from multiple carriers – such as Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend and Chubb –  to provide you with the best mix of savings and pricing.

Alternatives Insurance® of Chesterfield is committed to outstanding customer service.  We start by offering the best insurance products at a reasonable price. But it’s the Alternatives Insurance® of  Chesterfield team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

Our team is committed to professionalism.  Our dedication to superior client service comes from a culture of professionalism and respect. All of our associates at Alternatives Insurance® of Chesterfield have strong credentials and all of our policies are presented to you in a consistent and professional manner.

You can depend on us to solve problems quickly.  Alternatives Insurance® of Chesterfield has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

Our agents have a strong work ethic and are committed to earning and maintaining your trust.  We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

Any questions?  Contact one of our professionals and we’ll be happy to spend the time with you in person!  Our service to you is number one priority. We thank you in advance for your trust, and rest assured we will earn it!

Chesterfield Missouri All-Terrain Vehicle Insurance Coverage

Chesterfield Missouri All-Terrain Vehicle Insurance Coverage is Very AffordableChesterfield Missouri All-Terrain Vehicle Insurance Coverage by Alternatives Insurance® of Chesterfield  (636) 449-1213

Many people own ATVs (all-terrain vehicles), whether they’re used for work or play.  Unfortunately, many of ATV owners are not covered by their Missouri Home or Auto Insurance policy.  If their ATV is stolen or badly damaged it may not be covered.  Alternatives Insurance® of Chesterfield can help you get the Chesterfield Missouri all-terrain vehicle insurance coverage you need to protect you and your investment. 
 
Many states require ATV insurance for vehicles operated on state-owned land, and your homeowners policy might not cover you, or other riders on your ATV, if you ride off your own property. That’s why Chesterfield Missouri all-terrain vehicle insurance coverage  is especially important.
 

There are several types of ATVs and Alternatives Insurance® of Chesterfield can help you get the correct Chesterfield Missouri all-terrain vehicle insurance coverage you need.   The types of all-terrain vehicles include:

Chesterfield Missouri Off-Road Utility Vehicles

A “Utility vehicle” is “any motorized vehicle manufactured and used exclusively for off-highway use which is sixty-three inches or less in width, with an unladen dry weight of 1,850 pounds or less, traveling on four or six wheels, to be used primarily for landscaping, lawn care, or maintenance purposes.”

  • Utility vehicles do not meet the definition of a motor vehicle or ATV, and will not be titled and registered.  Examples of off-road utility vehicles include, but are not limited to:
    • Minicab,
    • Mule,
    • Gator,
    • Max/Buffalo, Etc.
  • Utility vehicles cannot be operated upon the highways of this state unless they are:The operator must have a valid driver license, but does not have to be motorcycle qualified.
    • Owned and operated by governmental entity for official use,
    • Operated for agricultural or industrial on-premise purposes, or
    • Operated by handicapped persons for short distances on secondary roads.
  • Cities/counties are allowed to issue special permits for utility vehicles to be used on county roads within the county or on highways within the city to licensed drivers for a fee of $15. The fee is to be kept by such city/county.
  • The seller of a utility vehicle is responsible for collecting and remitting all applicable state and local tax on new utility vehicles.
    • Utility vehicle owners may qualify for a “farm use” tax exemption.

Chesterfield Missouri All-Terrain Vehicle Insurance Coverage by Alternatives Insurance® of Chesterfield  (636) 449-1213Chesterfield Missouri Recreational Off-Highway Vehicles

A “Recreational Off-Highway Vehicle” is “any motorized vehicle manufactured and used exclusively for off-highway use which is sixty-four inches or less in width, with an unladen dry weight of two thousand pounds or less, traveling on four or more nonhighway tires, with a nonstraddle seat, and steering wheel, which may have access to ATV trails.”

  • Recreational off-highway vehicles do not meet the definition of a motor vehicle or ATV, and will not be titled and registered.

Alternatives Insurance® of Chesterfield offers a variety of ATV insurance coverages, including:

Chesterfield Missouri ATV Comprehensive Insurance Coverage

In most circumstances, Comprehensive ATV insurance coverage pays for damage to your ATV if it’s caused by an event other than a collision. For instance, if your ATV is damaged by fire, theft, vandalism, flooding, or an animal, Comprehensive coverage will likely apply. You just pay the deductible you selected, and your ATV insurance will cover the rest.

Chesterfield Missouri ATV Collision Insurance Coverage

Collision pays for significant physical damage to your ATV if you hit another ATV, a tree, a parked vehicle, a big rock, a stump, a fence post, or other obstacle. You just pay the deductible you selected, and your Collision coverage will pay for the rest. Due to the rough nature in which many ATVs are used, Collision does not provide coverage for scrapes, scratches, minor dings/dents, and other cosmetic/non-structural damage.

Chesterfield Missouri ATV Bodily Injury & Property Damage Liability Insurance Coverage

ATV insurance coverage offers Bodily Injury and Property Damage Liability to pay for injuries to people or damage to property caused by your ATV. Liability coverage also protects your assets, up to the limits you choose.

Chesterfield Missouri ATV Uninsured/Underinsured Motorist Insurance Coverage

If the person at fault for an accident doesn’t have insurance – or doesn’t have enough insurance – Uninsured/Underinsured Motorist Bodily Injury will pay for injuries and damages you suffer that the at-fault party is legally liable for, such as medical treatment and lost wages. You simply select the amount of ATV insurance coverage you want, and you’re protected up to those limits.

Several factors can affect your ATV insurance rate. You may not be able to control them all, but there are a few things you can do if you have ATV insurance coverage and want to keep your rates low:

Ride Smart.  If you have violations on your driving record or claims on your ATV insurance policy, your rates will be higher.  Choose the right ATV for your needs. For example, if you race ATVs, those vehicles are considered more aggressive machines, and typically cost more to insure.

Similar to Chesterfield Missouri all-terrain vehicle insurance coverage, Alternatives Insurance® of Chesterfield offers recreational vehicle insurance, boat insurance, powersports insurance and motorcyle insurance coverages.  Owning additional ATVs on your policy will qualify you for multi policy discounts.  Please contact one of our insurance agents for any assistance. 

According to The Missouri Department of Revenue, you have 30 days from the date of purchase to title and pay sales tax on your newly purchased ATV.  If you do not title the ATV within 30 days, there is a title penalty of $25 on the 31st day after purchase. The penalty increases another $25 for every 30 days you are late with a maximum penalty of $200.

Resources:

Chesterfield Missouri All-Terrain Vehicle Insurance Coverage Resources by Alternatives Insurance® of Chesterfield  (636) 449-1213

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Why Choose Alternatives Insurance® of Chesterfield?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the Alternatives Insurance® of Chesterfield team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at Alternatives Insurance® of Chesterfield have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

Alternatives Insurance® of Chesterfield has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

Missouri Boat Insurance |Risks and Coverages

Bass Boat | Alternatives Insurance® of Chesterfield (636) 449-1213Missouri Boat Insurance

If you have a Missouri homeowners insurance policy, you may have some coverage for your watercraft, but it is very minimal and you may be at risk for personal liability in case of an accident.  Also, there may be some liability coverage in your policy, but it depends on the size of your engine — normally only outboard engines of 25 hp or less. A typical homeowners policy may pay up to $1,000-$1500 to repair damage to your boat, but — that damage has to occur while the boat is at your home.  Although helpful (e.g., a tree falls on your boat), this is not  the kind of Missouri boat insurance coverage you really need.  Alternatives Insurance® of Chesterfield works to ensure our clients are fully protected. If you do not have boat insurance, you’re risking losing your boat if it is severely damaged in an accident, your other assets if you are sued in civil court by the other party and if your boat causes property damage or bodily injury. How to Choose Missouri Boat Insurance There are three types of “boats.”

  1. Anything less than 16 feet long is usually called “personal watercraft” by most insurers. This includes Jet Skis and Waverunners.
  2. “Boats” are 16 feet to 25 feet, 11 inches.
  3. Anything at least 26 feet long is classified as a “yacht.”

The Missouri watercraft insurance that you will need depends on the size and type of watercraft and how it is used.   For example, if you use your watercraft for water-skiing, make sure you get coverage for this exposure as well. (Depending on the insurance company, it may not be automatically covered.)  Generally, your Missouri Boat Insurance policy should include coverage for injuries to you and your passengers, the craft itself, property and bodily injury liability (for damage and injuries to other crafts and people) and theft. You can also get coverage for the trailer(s) you use to transport the watercraft. The Missouri Boater Safety Handbook is an excellent  resource to learn more about Boating in Missouri.

Missouri Watercraft Insurance for Powerboats & Sailboats

Sail Boat | Alternatives Insurance® of Chesterfield (636) 449-1213 Insurance companies generally define a “boat” as 16 to 25′ 11″ powerboats and sailboats.  Standard policies for boats cover damage to the craft, including damage caused by fire, lightning, theft, vandalism, collisions, and windstorms.  The coverage is usually for the boat itself, outboard motor(s), the boat’s trailer and personal property on the craft that is part of the normal operation of the vessel. Many insurers offer separate coverage for other personal property such as fishing or diving equipment. Depending on the insurance company and the age of your boat, you may find a variety of claim settlement options in the event that your boat experiences a total loss.  The best coverage, usually available only on recently manufactured or newer watercraft, is “replacement cost” where the company will “replace” your loss with the same or similar new boat.  Other options include “agreed value” where you and the insurance company agree in advance what the settlement value will be in a total loss, and “actual cash value or ACV” where the insurance company will pay the fair market value of the boat at the time of the loss up to a specified rating base.e craft that is part of the normal operation of the vessel. The standard Missouri boat insurance policy also provides liability coverage, which is usually offered in increments of $100,000 to as much as $1 million.  Many also offer an boat umbrella liability insurance policy that will increase the liability limits into the millions.   Most boat policies also cover medical expenses incurred by you, your family and any other passengers on board.

Missouri Yacht Insurance

Missouri Boat Insurance by Alternatives Insurance of Chesterfield (636) 449-1213If your watercraft is 26 feet or longer, you may need to buy yacht insurance, which provides basically the same coverage as Missouri boat insurance, but the policy terms are different. Under a boat policy, coverage for damage to the craft is called “physical damage.”   Under a yacht policy, the boat is referred to as ”hull.” Liability coverage under a yacht policy carries the name “property and indemnity,” which insurance companies  abbreviate as P&I.  As with boat liability coverage, P&I is available in increments of $100,000. Depending on the size of your craft, you can buy P&I limits from $300,000 to as much as $50 million. Although some terms are different and the coverage limits may be different, Yacht insurance coverage is basically the same as for a Boat.  There may be some differences depending on how and where used, etc….  Our Missouri boat insurance specialist can help you with the options to cover your risks properly. The cost of your boat or yacht policy is based on a variety of factors: horsepower; how fast it moves (it can cost as much as 50% more to insure a speedboat than it does a sailboat of similar size); where it is to be used; age of the craft and experience of the vessel’s operator. Missouri Boat Insurance Savings Tip:  Insurers often offer discounts of 5% to 20% to those boat/yacht owners who have taken an approved boating safety course.  Discounts are usually available from some insurers for newer vessels and protective devices (depth finders, ship-to-shore radios, burglar alarms). You can also save money on the policy by electing a higher deductible. Boating is not a cheap hobby or sport and carries with it many potential risks which is the main reason why Missouri watercraft insurance is not cheap. Therefore,  it really is important to assess your risks, define the coverages you need, and to find the companies that offer the best value for the protection you need.  This task not easy and generally requires the assistance from an insurance professional who has experience and knowledge of watercraft insurance.   There are a lot of different policies and coverage options available. Some policies might be significantly cheaper than others, but they may not offer the insurance coverages you need to cover your risks. Missouri Boat Insurance Shopping Tip:  Watercraft Insurance is a complex with many options.  Let our experience watercraft insurance specialist help you to assess your risks, define the coverages you need, and shop the Missouri Boat Insurance companies to find the best protection and value for you. We recommend the Missouri Boater Safety Handbook to learn more about boating in Missouri.   

 

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Why Choose Alternatives Insurance® of Chesterfield?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the Alternatives Insurance® of Chesterfield team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at Alternatives Insurance® of Chesterfield have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

Alternatives Insurance® of Chesterfield has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

CHESTERFIELD MISSOURI INSURANCE BLOG | MJM INSURANCE™

Thank you for visiting our Chesterfield Missouri Insurance Blog!trustedchoice-trans1

First, allow us to introduce ourselves….

MJM Insurance™ of Chesterfield is an established full-service insurance agency.  As an independently owned Chesterfield Missouri insurance operation, our licensed agents have access to several A+ rated insurance carriers such as Safeco, The Hartford, Travelers, EMC, Progressive, MetLife, and dozens more. 

Our professional agents assess the risks and exposures the consumer may be facing.  Our goal is to shop insurance for the consumer – a/k/a “you!”  We shop multiple carriers and find you the best protection at the best price.  We’ll help save time and heartache trying to figure out which specific coverage goes with which type of risk.

The insurance products we offer include automobile, homeowners, business, power sports, life, and other specialty lines.  During the client risk assessment, our agents review coverage and compare how you’re currently protected.   Then provide recommendations about how you should be protected. The coverage includes liability, property damage, bodily injury, personal property and much more.

So now you know!

It is our goal to ensure Missouri consumers are well-informed about insurance and protecting themselves and their families. Our agents offer the Chesterfield Missouri Insurance Blog to provide information and educational resources for drivers, homeowners, business owners and everyone in between!  This blog and our site are dedicated to providing Missouri consumers valuable information related to insurance products and risk management solutions. 

So, why purchase your Chesterfield Missouri Insurance from us?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance™ of Chesterfield team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance™ of Chesterfield have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

MJM Insurance™ of Chesterfield has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.