What Does Umbrella Insurance Cover?

If you have been searching for a way to add an extra layer of protection for your assets, such as your home or auto, you have found the answer in an umbrella insurance policy. Our agents at Focus Insurance, serving the Eureka, MO area, want you to have all the insurance protection you need to give you the peace of mind you deserve.

What is Umbrella Insurance?

Umbrella insurance is a type of liability insurance that provides an additional layer of coverage beyond the limits of your primary insurance policies. It acts as a safety net to protect your assets and finances in case you face a lawsuit or claim exceeding your other policies’ coverage limits.

What Does Umbrella Insurance Cover?

Umbrella insurance can protect you and your family members from personal injury claims, including bodily injury and wrongful death if you are found responsible for causing harm to others. This can include most types of accidents that can occur on your property or at another location.

Umbrella insurance includes an extra layer of property damage liability insurance. For example, if you accidentally damage someone else’s property, umbrella insurance can cover the costs to repair or replace the damaged property beyond your primary policy.

If you ever have to face a defamation lawsuit due to statements you made or published and are accused of libel or slander, umbrella insurance can help cover legal expenses and potential settlement costs.

Your umbrella insurance can even help you cover legal defense costs from a lawsuit.

Contact Focus Insurance

To create an umbrella insurance policy that is best for you and your situation, contact our agents at Focus Insurance, serving the Eureka, MO area, to get your policy started today!

Fresh Out of College? Reasons to Consider Life Insurance

As a young person fresh out of college, you may think you do not need life insurance. Your primary focus may be finding a good job and establishing your career. However, getting life insurance when you’re young could be a smart investment for your future. Here’s how a life policy from Focus Insurance in Eureka, MO can benefit you after college graduation.

Pay Off Student Loans

Like many college students, you may have sponsored your education with private student loans. If a family member cosigned for your loan, they will be responsible for repayment if you pass on unexpectedly. Life insurance can be used to repay this debt, so no one has to bear this financial burden after you’re gone.  

Cheaper When You’re Young

Life insurance is cheaper when purchased at a young age. You can lock in a good price after graduating from college and keep your policy active for the future when you get married and start a family. Your Focus Insurance agent can guide you to the right policy to meet your needs. 

Financial Security

If you’re married or already have a family, life insurance offers financial security for your spouse and children in the event of your sudden demise. No one knows what the future holds. You can, however, prepare for the unexpected with a life insurance policy so your family will have financial support to carry on. If you’re single, a life policy can help support elderly parents or younger siblings after you’re gone. By planning, you can know that those you love will be cared for after you’re gone.

Where to Get Life Insurance

To learn more about life insurance options and costs, give your Focus Insurance agent in Eureka, MO a call.  

What To Do After a Car Accident

Getting into a car accident can be a stressful experience. In the aftermath, it’s hard to remember what to do. We all hope an accident never happens, but here at Focus Insurance, we want to ensure you’re not unprepared.

Here are five actions you should take after a car accident:

  1. Get to a safe location, and turn off your car. Make sure it’s safe to exit your vehicle. Then, turn your vehicle off, as a gas leak could lead to a fire.
  2. Contact the local police. They can file an official incident report and collect information from everyone involved. If you’ve crashed in an area where it is unsafe to exit your vehicle (like a highway), the police can also help you get to a safe place.
  3. Get information from the other driver(s) and police. This includes the driver’s name, driver’s license, vehicle make/model, insurance company and policy number, address, and contact information.
  4. Take photos of the damage and write down every detail. At the scene, take photos of your car and any others involved, including vehicle license plates. As soon as you get home, write down all the details you can remember about the accident.
  5. Contact your insurance agent to file a claim. Don’t wait! If you’re involved in a car accident in Eureka, MO—or anywhere in the world—call your insurance company to report the incident as soon as possible.

However, the most important step you can take before an accident occurs is to ensure you have sufficient car insurance coverage. This simple step will give you peace of mind.

Have questions about car insurance coverage? Contact us at Focus Insurance today so you’re prepared for tomorrow. We are proud to serve the Eureka, MO area.

Tips to make your house more energy efficient

If you’re looking for ways to reduce your energy usage and make your home more energy efficient here in the Eureka, MO area, there are plenty of options to get you started. Here are some helpful tips from us at Focus Insurance:

1. Upgrade Your Appliances – Invest in energy-efficient appliances like refrigerators, washing machines, air conditioners, lighting fixtures, and other household items that can use less electricity and help lower your monthly utility bills.

2. Weatherproof Your Home – Check for any drafts or openings in windows, doors, or other areas where outside air can enter your home and increase the amount of energy needed to heat or cool it. Seal drafty windows with caulk or weather stripping and install insulation in attics, basements, and crawlspaces to maintain a comfortable temperature inside all year round. 

3. Install Solar Panels – A great way to save on energy costs is by installing solar panels on the roof of your house, which will generate free electricity from the sun and can help power your entire home. 

4. Change Your Lightbulbs – Swap out traditional lightbulbs for LED bulbs, as they use up to 80% less energy than incandescent bulbs, last longer, and come in various shapes and sizes, depending on where you need them in the house. 

5. Use Natural Resources – Get creative with natural resources around your home, such as trees that provide shade or wind turbines that capture wind power to help cut down on electricity costs. 

By making these small changes around your home, you can reduce your energy usage significantly and potentially save a lot of money each month! For more tips, give us at Focus Insurance a call today. We are proud to serve the Eureka, MO area.

Should all people get boat insurance in Missouri?

The Eureka, MO area can be a great place to live or visit in the summertime. During this time of the year, the local lakes are filled with boaters, swimmers, and others trying to have fun and stay cool. When you are looking to enjoy this part of Missouri as much as possible, investing in a boat can be a great idea. Along with your boat purchase, you also need to get a proper insurance plan for it. There are various reasons all people here should get boat insurance.

Ensure the Boat is Covered

A reason for all owners to have a boat insurance plan in Missouri is to ensure their boat is covered. When you are looking for a new boat, you will want to know that your purchase is protected so you can enjoy the boat for a long time. When you get boat insurance, it will provide the coverage that you need. 

Offset Liability Risks

Getting boat insurance to mitigate your liability concern can also be a beneficial idea. There will always be a risk that you could create property damage or injuries in a boating collision. If this happens, you will want to know you have appropriate insurance protection. This coverage will help cover these costs, which otherwise can be costly and lead to significant financial setbacks.

If you want to buy a boat in the Eureka, MO area, it is essential that you get the right insurance for it. When you are looking for a new insurance plan in this region, calling our professionals with Focus Insurance can be ideal. When you call us at Focus Insurance, we will give you the guidance you need to build a plan that protects you and your boat. 

Why You Need Umbrella Insurance With an Inground Pool in Eureka, MO

Having a pool in your backyard can be great fun and entertainment for the whole family. But it also comes with risks, so having the right insurance coverage is essential. If you have an in-ground pool in Eureka, MO, umbrella insurance can provide additional protection beyond your standard policies’ limits.

What Is Umbrella Insurance?

Umbrella insurance provides extra liability coverage that goes beyond the limits of typical policies such as homeowners and auto insurance. It helps protect you from claims and lawsuits related to bodily injury or property damage caused by you or someone else on your property. It can also cover legal costs if you are sued for libel or slander.

How Does Umbrella Insurance Help Protect Your Pool?

Umbrella insurance can help protect your pool from potential liabilities associated with owning a pool. For example, if someone gets injured while swimming in your pool, umbrella insurance can help cover medical expenses and other costs related to the incident. It can also provide coverage if someone’s property is damaged due to your pool or if someone sues you for libel or slander related to your pool.

Focus Insurance can help you find the right umbrella coverage to fit your needs. Our team of experienced agents will work with you to determine a policy that fits your budget.

What Are Some Other Benefits of Having Umbrella Insurance?

In addition to providing extra protection for your pool, umbrella insurance can help protect you from other liabilities such as dog bites, rental properties, watercraft, and more. It can even provide coverage if you are sued for libel or slander outside your home or business premises.

Don’t wait until it’s too late – contact Focus Insurance today to learn more about our umbrella insurance solutions and how they can help protect you from potential liabilities associated with owning an in-ground pool in Eureka, MO!

How much life insurance do I need?

The amount of life insurance you need will vary depending on your individual circumstances. It is vital to consider things like your current income, the number of people who rely on you financially, and any debt you have. In general, we at Focus Insurance recommend that your life insurance policy should cover at least ten times your annual salary for people in the Eureka, MO area. This should ensure that your family’s financial needs are handled in the event of your passing. 

Investing in future expenses like a mortgage or college tuition for children is also important. When assessing how much life insurance coverage you need, it’s best to consult with an expert who can evaluate your situation and make tailored recommendations for your specific needs. 

Whole life insurance is designed to provide coverage for the policyholder’s entire life, while term life insurance provides coverage for a specific period. Whole life insurance policies typically have higher premiums but come with additional benefits such as a cash value component and the ability to build equity over time. Term life insurance policies generally have lower premiums but only provide coverage for the duration of the policy term. Whole life policies are usually better suited to those looking for lifetime protection, while term-life policies may be more suitable for people who only need short-term coverage or prefer more affordable premiums.

Overall, the amount of life insurance you need is highly individualized and depends on many factors, such as current income, debts, dependents, and future expenses. For more tips, or if you have any questions about your policy, call us at Focus Insurance today. We are proud to serve the Eureka, MO area.

How to prepare your car for winter weather

Winter is coming, and it’s time to prepare your car for the cold weather. Whether you drive an old beater or a brand-new luxury vehicle, some essential steps must be taken to ensure your car runs smoothly throughout winter. From checking fluids and changing tires to stocking up on emergency supplies and testing batteries, this blog post will provide helpful tips on how to get your car ready for winter weather. So don’t wait until it’s too late—start prepping now with these tips from us at Focus Insurance so you can stay safe while driving in cold Eureka, MO temperatures!

The first step is to check your car’s fluids. Ensure the engine oil, coolant, brake fluid, and power steering fluid are all at adequate levels and that you have the right oil for cold weather. It’s also vital to examine your tires and ensure they are correctly inflated—this will ensure better handling in icy conditions. If possible, it may be wise to switch out summer tires for winter tires with a greater grip on snow and ice.

In addition to checking your car’s mechanical parts, it’s also a good idea to stock up on emergency supplies such as blankets, flashlights, flares, a shovel, a bag of kitty litter (for traction if you get stuck), and a small tool kit. Having these items on hand can make a big difference if you’re ever stranded in the cold.

Before heading out, testing your car battery and checking its voltage level is important. Cold weather strains batteries, so make sure yours is strong enough to handle the winter season. 

For more winter driving tips, call us at Focus Insurance today. We proudly serve the Eureka, MO area. 

Auto Insurance is Mandatory – Don’t Be Caught Without It

Are you a licensed driver living in or near the Eureka, MO area? If so, the Focus Insurance professionals can provide the necessary insurance to ensure you drive legally.

Why is car insurance so important? Quite simply, it provides financial protection. Suppose you are the cause of a car accident. In that case, you will be held responsible for any expenses associated with it, including legal costs, the injured party’s medical expenses, and their lost income if they cannot work. The liability portion of the policy will cover these costs.

Insurance is important. It helps you live with peace of mind knowing that you will receive financial help if an accident occurs. The most obvious benefit of car insurance is the payment of losses. Maintaining the correct type of coverage protects you from other drivers who do not have or have inadequate insurance. Without it, you could suffer a disastrous financial setback leaving you with expensive repair costs and medical bills to pay.

One of the most important things to consider when purchasing car insurance is your state’s minimum liability and property coverage amounts. Simply put, you need to maintain an auto insurance policy so you remain legal to drive. This insurance is mandatory in 48 out of 50 states. Without it, you risk losing your license and possibly paying hefty fines without it.

The three main types of car insurance coverage are:

  • Collision coverage protects your car if you hit another vehicle, person, or non-moving objects, such as a tree or fence.
  • Comprehensive coverage protects you from things that liability and collision do not cover. Theft, vandalism, fire, or weather events will be covered under this coverage.
  • Liability coverage is the most important thing every driver needs to drive legally. It protects you if you cause damage to other drivers.

Make sure you are not driving illegally. Contact Focus Insurance today for a no-obligation quote. You will be glad you did.

When does a Eureka homeowner need to have home insurance?

Being a property owner can be a great housing option if you are in the Eureka, MO area. As you are looking for a property in the region, it is essential that you also assess your insurance needs. There are multiple situations when someone in this region should obtain a home insurance plan, especially when they are looking to purchase a property. 

When Taking Out a Mortgage

A situation when a property owner will need to have home insurance is when they finance their home with a mortgage lender. If you have taken out a loan that is secured by your property, the lender undoubtedly will want to know that your asset is covered. This will include ensuring that you have the right insurance for it. In most cases, you will also have to escrow payments for coverage each month.

When Trying to Protect Themselves

Property owners will also need and want this coverage to protect themselves. If you choose to buy a home, you will want to know that this significant investment is protected and covered by insurance. Further, you will want to know that your personal liability risks are mitigated. A home insurance plan can help with both of these issues. 

Owning real estate can be an excellent idea for those in the Eureka, MO area. If you are going to purchase a property here, it is helpful to call someone that you can trust. The team with Focus Insurance continues to be a great group to call. Focus Insurance will help you identify your various insurance needs and options. This assessment is an excellent step in helping you build a great insurance policy for your home.