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Life Insurance is One of the Easiest Policies to Start

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If you’ve ever dabbled in applying for an insurance policy for a car or a home in Eureka, MO, you know there’s a lot of paperwork involved. The property has to be identified, appraised, documented, and referenced with an independent source such as the state DMV or a county recorder’s office. However, when it comes to life insurance, the primary focus of attention is you. And that makes a big difference in setting up a policy.

Everyone should have a life insurance policy for a couple of reasons. First, it helps those left behind deal with your last arrangements, which can be costly with the price of funerals and memorials today. Second, if someone depends on you for financial support, such as family, a life insurance policy gives them a safety net for a while in your sudden passing and unexpected income loss. Finally, it’s your way of helping out specific people in your life you care about.

The actual process of setting up a life insurance policy is fairly easy. Focus Insurance, for example, can start a policy with a Eureka, MO consumer over the Internet or by phone. The necessary information required is easy to transfer by e-mail, and all that is usually required after the fact is a standard blood test. That’s usually handled by a trained and licensed sampler who comes out to your work or home, takes the sample, and closes the application with the medical information from the test. In comparison, it could take days and weeks for property insurance to get resolved, especially if the property is uncommon. To find out more or to get your policy started, give Focus Insurance a call or email today!

Who Covers the Damage If My Windshield Is Broken By Flying Gravel?

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The agents of Focus Insurance understand how frustrating it can be when you’re driving down the road and a piece of loose gravel hits your windshield causing it to chip and crack. If you live in Eureka, MO, your first step should be to contact your insurance company. Cracks and chips can be distracting, making it difficult to keep your eyes on the road so getting them fixed is imperative, but who will pay for it?

Loose Gravel 

In most cases, chips and cracks caused by loose gravel are simply considered a road hazard and are paid for by your insurance company if you have comprehensive insurance. If you have collision insurance or PL/PD coverage, you will be responsible for the damages. In most cases, it’s almost impossible to determine who is liable even if you know which car caused the gravel to hit your car.

Stay Away From Construction Trucks

One of the biggest causes of flying gravel is construction trucks. Entering a construction zone will always come with some level of risk. The best rule of thumb is to stay as far back as you can from dump trucks carrying gravel. If you are several yards away and still get hit, you may be able to turn the construction company’s information and the license plate of the truck into your insurance agent. They can contact the company to see if they will pay for the damages.

If your windshield has been broken or damaged by falling gravel or loose stone, call the agents at Focus Insurance. We are available to help Eureka, MO residents get their windows fixed as quickly and affordably as possible. Call our office today to talk to a licensed agent. 

 

Standard home owners insurance: What is covered!

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Focus Insurance’s homeowners’ insurance policies commonly come with certain essential types of coverage against losses brought about by theft, accidents, and disasters, but often at times, they can be customized to meet an individual homeowner’s unique needs. A standard policy, however, does not cover any damage caused by earthquakes, flooding, or regular wear and tear.

Standard homeowners insurance typically covers four critical types of hazards which include:

1. Coverage for the structure of your dwelling

In most cases, it is made up of coverage that may help pay to repair or replace your home and belongings damaged or destroyed by fire, accidents, theft or any other disasters listed in your policy. Most policies may also cover costs of accidental damage to another person’s property or detached structures such as a garage. It is important to purchase enough coverage to rebuild your home when purchasing a policy for your home structure.

2. Coverage for personal belongings

Homeowners insurance also offers personal property protection. These include your furniture and other personal items in case of theft or destruction by any other insured disasters. In order to determine how much of this coverage will be enough, it is important to conduct a home inventory. For expensive items like jewelry, consider purchasing a special personal property endorsement in order to insure their full value or it’s officially appraised value.

3. Liability protection

If someone is not living with you or lawsuits for bodily injury or property damage that your family members cause to other people are filed against you, then a typical homeowners insurance policy will provide liability coverage for you. You can deliberate purchasing an excess or an umbrella liability policy for extensive coverage and higher liability restrictions.

4. Additional living expense

This coverage pays for the additional cost of living away from your home in case you cannot stay there due to damages caused by one of the insured disasters. In most cases, it has limits, both time limits and cost limits.

If you are a homeowner in Missouri looking for insurance coverage for your home, then look no further. At Focus Insurance in Eureka, MO, our insurance agents will create a suitable policy to fit the unique needs of your home. Visit or call our offices in Eureka, MO to get a quote.