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Where to Learn more about Home insurance in Chesterfield MO

Understanding Your Options For The Best Protection

Where to Learn more about Home insurance in Chesterfield MO | Alternatives Insurance® of Chesterfield | (636) 449-1213Alternatives Insurance® of Chesterfield knows it is important to help home owners understand their options and how to best protect their family and belongings in case of a loss.  Our agents are here to help home owners know where to learn more about home insurance in Chesterfield MO.

There are many coverage options you can have in your policy.  On your declaration page you will see several terms; including dwelling coverage and personal property coverage.  The word dwelling in your home insurance policy actually refers to your home itself and attached structures, such as an attached garage.  One of our experienced agents can run a cost analysis that calculates the cost to rebuild your home. If you don’t adjust the amount of insurance for your dwelling appropriately, you may not have enough insurance to replace your home if disaster strikes.

Your personal property includes all your personal items, such as furniture, clothing, electronics, appliances, etc.  Your personal property limit is usually 70% – 75% of your dwelling limit.  However, you can adjust this upward if you need more protection, discuss your options with us. We’re here to help!

Detailed information about home owner insurance and how to contact us can be found on our website.

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Where To Learn More About Business Insurance In Chesterfield MO

Insurance Resources for Business Owners

Where To Learn More About Business Insurance In Chesterfield MO  |  Alternatives Insurance® of Chesterfield  |  (636) 449-1213Alternatives Insurance® of Chesterfield knows how important it is to help business owners understand insurance options and how to best protect business assets in case of a loss.  Our agents are here to help business owners know where to learn more about Business Insurance in Chesterfield MO.

There are many business issues that equally apply to sole proprietors and to large corporations.  Responsible business owners typically have a business license, pay their business taxes, have employees, and a payroll.  If business is good, then perhaps an accountant to manage the bookkeeping.   All of these items have one thing in common…. INSURANCE.

Do you rest well at night knowing your assets are protected?  Have you thought about the potential losses you would incur if something unfortunate would happen to your business?  Owning the right business insurance makes good business sense.

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Chesterfield Missouri Insurance Agency

Searching for a “Chesterfield Missouri Insurance Agency”?

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 MO Home Insurance

Six Primary Coverages That Are Included in Your Home Policy

Chesterfield MO Home Insurance | Alternatives Insurance® of Chesterfield | (636) 449-1213Have you been searching for ”Chesterfield MO Home Insurance,“ and you’re not quite sure what home insurance coverages are necessary to protect you, and one of your most valuable assets? Many of us have been in a situation where we need insurance and depend on our mortgage company or shop online, to find the least expensive home insurance coverage. Have you considered if something happens to your home whether your insurance policy will actually cover the damage?  Will it pay for ALL of it?  As a homeowner, there are many risks our agents can help you avoid.

For most people, insurance is confusing. Homeowners may not understand the liabilities that come with being a homeowner and the protection of having the right coverages in the insurance policy. Homeowners in Chesterfield Missouri should be aware that the majority of mortgage lenders require homeowners insurance.  This article, Chesterfield MO Home Insurance, will explain the primary insurance coverages that are included in your homeowners policy what they mean, what is not covered and additional coverages available to you.

CHESTERFIELD MO HOME INSURANCE:  DEFINITION OF DWELLING

The word Dwelling in your home policy actually refers to your home itself.  It includes attached structures, such as an attached garage. The Amount of Insurance (Dwelling Limit) listing on your Declarations page indicates the maximum amount your insurance company will pay to replace your home if it’s destroyed by a covered claim. But,is it enough?

Don’t make the mistake of thinking your homeowners insurance covers everything just because you have an insurance policy!  Among other issues, you must make sure your Dwelling Limit is enough to rebuild your home.

Contact Alternatives Insurance® of Chesterfield and one of our experienced agents can run a cost analysis that calculates the cost to rebuild your  home.  Be sure to adjust the amount of insurance for your dwelling appropriately.  If you don’t you may not have enough insurance to replace your home if disaster strikes.

Some policies include built-in protection above the stated Dwelling Limit – usually a percentage of the Dwelling – just in case the estimate is too low. We will make sure to discuss this with you as an additional protection feature.  It’s probably worth having.

CHESTERFIELD MO HOME INSURANCE:  OTHER STRUCTURES

The most common Other Structures are sheds, stand-alone garages (known as “detached” garages in insurance terms), barns, pool houses, etc.  These structures are not directly attached to your home, that are referred to as the “dwelling”.  Other Structures have their own protection limit – the most your company will pay to rebuild them will be stated on your Declarations page.  This limit will be significantly less than the dwelling limit … typically 10% – 20% of the dwelling amount.  For most people that’s plenty of insurance for other structures.  But not for everyone.  You need to know what it would cost to rebuild or replace those structures if they’re destroyed.  Discuss it with the licensed professionals in our office. You can buy more protection for your other structures if you need it.

CHESTERFIELD MO HOME INSURANCE:  PERSONAL PROPERTY

Your personal property includes all your personal items, such as furniture, clothing, electronics, appliances, etc. Similar to other structures, personal property has its own protection limit stated on your Declarations page.  And, again, this amount is the most the insurance company will pay to replace your personal property. You can also add a Ryder to your insurance policy that will cover jewelry; so long as you have the proper documentation like an appraisal from a qualified jeweler.  Your personal property limit is usually 70% – 75% of your dwelling limit.  However, you can adjust this upward if you need more protection,  Discuss your options with us. We’re here to help!Chesterfield MO Home Insurance | Alternatives Insurance® of Chesterfield | (636) 449-1213

Regardless of the protection limit for your personal property, there’s a very important question you must get answered.  How is your property protected?  It is determined by the “actual cash value” or “replacement cost”?  The difference is huge!  In very basic terms, if your property is protected on a replacement cost basis the insurance company will replace your old stuff with new stuff.  For example, if your 5-year old TV is destroyed in a covered claim, the company will pay for a brand new TV.  That’s a good deal for you.

But if your property is protected on actual cash value basis, an “allowance for depreciation” is applied to the cost of a new TV based on the age of your destroyed TV.  The result is you get a settlement amount less than the cost of a new TV.  To buy a new TV you’ll have to come up with the difference out of pocket.  Not as good of a deal for you.

Clearly, insuring your personal property on a replacement cost basis is a better advantage than actual cash value.  Sometimes it costs a bit more, but not always.  We can help you understand how how your policy works and can check the price both ways, to help you make the right decision.

 

CHESTERFIELD MO HOME INSURANCE:  LIABILITY

Your liability coverage pays if someone sues you for their injuries due to a covered claim.  When we think of such accidents we most commonly think of injuries that occur on your property – someone slips and falls, a dog bite, etc.  However, the liability protection under your home policy extends beyond your property to your everyday life.  Liability Insurance helps protect you against the financial burden arising from injury (or property damage) that you or your family may cause to other people. It typically even covers injuries whether they happen on or away from your property.

Liability insurance is all about protecting your assets from someone who sues you.  So, you should have at least as much liability insurance as your financial worth.  However, more than that may be prudent, and you should discuss your needs and risks thoroughly with a licensed agent at Alternatives Insurance® of Chesterfield.  Your current liability limit will be stated on your Declarations page.

CHESTERFIELD MO HOME INSURANCE:  MEDICAL PAYMENTS TO OTHERS

This coverage pays medical bills for a guest who is injured on your property or in another covered claim.  The idea is to do the right thing for someone – pay their medical bills – and then hope they don’t sue you.  This protection is inexpensive, but could save you major hassles by preventing a lawsuit.

CHESTERFIELD MO HOME INSURANCE:  LOSS OF USE

Loss of use coverage provides monies for alternative living if your home is badly damaged and are you not able to live in it while it’s being fixed or replaced.  That means you may have to pay rent somewhere or staying in a hotel while you’re also paying your mortgage.  The Loss of Use coverage on your home policy pays those additional expenses for you.

Your Declarations page may state a dollar limit for this coverage, or it may state a time limit.  If there is a dollar limit, this is the most the insurance company will pay for these expenses.  If there’s a time limit, your insurance will pay all covered expenses regardless of the amount but only for the specified period.

Coverage Exceptions

Imagine your home is damaged by a tree crashing through your roofChesterfield MO Home Insurance | Alternatives Insurance® of Chesterfield | (636) 449-1213.  You call your insurance agent to report the claim, and then you hear the worst news possible, “I’m sorry that’s not covered by your policy.”  Now, you have a real problem.

The unfortunate truth is no insurance policy covers you for everything that could possibly happen to you or your property.  However, with a little bit of understanding, you can make sure you have the protection you need, and you can rest easy knowing your claims get paid by the insurance company.

Just because you have an insurance policy, it does not mean everything and everyone in your home is covered.  Your home insurance policy does not cover you against every “cause of loss”. Examples of “cause of loss” include fire, high wind, and other “perils”.

A standard home policy excludes many causes of loss.  That is, it does NOT protect you from certain perils – like earthquake, flood, termite damage and many more.  That means if your home is damaged by one of these excluded perils your policy will not pay and you have no insurance against them.

You can purchase additional coverage to protect you from perils like earthquakes and floods.  However, some excluded perils are not insurable, such as insect damage.  Be sure to discuss your policy exclusions with an agent in our office and we’ll help you determine the best protection you need.  Don’t be caught by surprise after the damage is done.

CHESTERFIELD MO HOME INSURANCE:  SPECIAL LIMITS ON PERSONAL PROPERTY

As if your home policy wasn’t complicated enough already!  There are also “special limits” of protection for some of your personal property.  A “special limit” reduces the protection specifically available for certain types of property. Property subject to a special limit typically includes property used for business, cash & coin collections, jewelry & furs, guns, silverware, valuable art and more.

Additionally, some of these special limits apply only if the property is lost or stolen – making things just a little more confusing.  For example, the standard home policy typically includes $1,000 of protection for stolen jewelry. If your $2,500 diamond engagement ring is stolen, you will receive $1,000 from the insurance company.  Ouch!  And, if the stone falls out of the ring and is lost, there may be NO coverage at all!

It is very important you fully discuss these conditions and special limits with our agents and buy the protection you need.  Otherwise, you could find yourself with a very nasty surprise … an unpaid claim!

CHESTERFIELD MO HOME INSURANCE:  OTHER EXCLUSIONS AND OPTIONS

The standard home policy have exclusions for many reasons.  But then the insurance company gives you an opportunity to buy some of them back. So, you have the option of increasing protection where you personally need it.

There are literally dozens of optional coverages available in your home policy.  Here are some of the more common options available to you:

  • Identity Theft – many home insurers now offer protection for Identity Theft in their home policies.  This will help pay the expenses you incur to restore your identity if it’s stolen.
  • Water & Sewage Backup – the standard home policy excludes damage caused by a water or sewage system backup.  You can buy this protection if you want it.
  • Ordinance & Law – pays the increased costs of repairing or rebuilding your home that are required to be build in accordance to current building codes.
  • Packaged Endorsements – often times an insurance company will package the optional coverages people most commonly buy into a single endorsement for a lower price.

There are many more optional coverage and exclusion buy-backs our agents can explain to you. Its worth the time to spend with your Alternatives Insurance® of Chesterfield agent to understand the coverages available and make good decisions about your protection.


Alternatives Insurance® of Chesterfield has access to many insurance carriers and thousands of different products to choose from.  These insurance carriers allow us to tailor an insurance policy specifically to your needs and help cover your risks.

The Missouri Home Insurance Guide is a great resource to help you understand Chesterfield MO Home Insurance requirements.  Read through this guide and contact an agent with Alternatives Insurance® of Chesterfield to schedule a free consultation. (636) 449-1213

Fidelity National Insurance by Alternatives Insurance® of Chesterfield | (636) 449-1213 
Travelers Insurance by Alternatives Insurance® of Chesterfield | (636) 449-1213
Progressive Insurance by Alternatives Insurance® of Chesterfield | (636) 449-1213
Kemper Preferred Insurance by Alternatives Insurance® of Chesterfield | (636) 449-1213
The Hartford by Alternatives Insurance® of Chesterfield | (636) 449-1213

Hagerty by Alternatives Insurance® of Chesterfield | (636) 449-1213