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124 Triad Center W,
O'Fallon, MO 63366

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Senn Insurance Agency Blog

Safe Driving Tips for Teens

That’s your child behind the wheel, all grown up and anxious to embark on their latest adventure. They have the keys in their hand and a grin that won’t stop spreading. You’ve taught them well, and you trust them to make sound decisions, but a little last-minute review never hurts. Senn Insurance Agency has the 411 on what you need to discuss with your teen driver before they ever back down the driveway:

Buckle Up

In O’Fallon, MO,  law enforcement can’t stop your teen driver simply because they aren’t wearing their seat belt. This means that seat belt enforcement needs to come from Mom or Dad. Set serious penalties for teens who refuse to buckle up because six out of ten people who died in Missouri car crashes in 2016 were not wearing their seatbelts. 

Keep the Phone in the Glove Compartment

O’Fallon, MO has a ban on cell-phone usage while driving for anyone under the age of 21. This is good news for parents, but without follow-up at home, it probably won’t be enough incentive for your teen. Make sure the phone stays in the glove compartment. Be sure to model that same example when you’re behind the wheel as well, because your teen is likely watching.

Leave the Car for Lunch

No eating or drinking in the car while driving. Not ever. No excuses. Require your teen to leave the car for lunch, or to at least park somewhere safe before chowing down. Most people don’t realize it, but eating and drinking behind the wheel is a form of distracted driving that can lead to serious injuries, especially for rookie drivers.

At Senn Insurance Agency, we have the answer to your teen driving questions. Give us a call today for more information. 

 

 

The Basics of Homeowners Insurance

Homeowners’ insurance covers a multitude of items, but most people only think of it as related to covering repairs. Senn Insurance Agency of O’Fallon, MO wants you to understand how important this policy is to your home and finances. It does cover property damage to the home from numerous perils, but also for liability if somebody gets hurt on the property, damage to other structures on the property and the contents of the home. It also covers losses from theft, one of the most common forms of property damage.

A standard homeowners policy covers common natural hazards, called perils in the insurance industry. These include fire, hail, wind damage, tornado, theft, and frozen pipes. There are things that homeowners’ insurance does not cover also. These include flood, earthquake and, in Florida and Texas, hurricane damage. These require a separate policy for coverage. Flood insurance comes from the National Flood Insurance Program. You can obtain earthquake and hurricane, sold as wind insurance, from regular insurance carriers.

Some insurance carriers cover sinkholes under their homeowners’ policies, while others do not. It’s a more common problem than one might think. While they can occur almost anywhere, according to the US Geological Survey, the states experiencing them most frequently include Florida, Texas, Alabama, Missouri, Kentucky, Tennessee, and Pennsylvania.

Because of the wide range of protection it provides to your property, lenders require you to carry homeowners’ insurance while you carry a mortgage on the home. Call or visit Senn Insurance Agency of O’Fallon, MO to learn more about how homeowners’ insurance protects your home and your home business financially. Learn more about protecting your home on our website.

What Is Universal Life Coverage?

Universal life coverage is a specific type of insurance that will give out a certain amount upon death. This may sound like general permanent life insurance, but there are a few differences. Senn Insurance Agency wants the people of O’Fallon, MO to understand the benefits of this coverage before deciding whether it’s for them. 

The Savings Component 

Like permanent insurance, there is some degree of savings with universal life coverage. The funds that fall under savings are invested under a fixed interest, which can help the insured predict precisely what will happen month after month. People who opt for this plan typically do so because it’s one of the more flexible types of life insurance. If any drastic changes occur, it’s often easier to alter the terms of a universal plan than a permanent plan. For example, if a person wants to switch funds between the life insurance and the savings portion, it’s a relatively simple process. 

Understanding Universal 

The insured is allowed to make changes to their policy, but they do need to be aware that this can ultimately change the death benefits. These changes may even affect the cost of the premium as well. Otherwise, this plan comes with more than a few perks for its holders. For one, people have some certainty in knowing that everyone will be financially protected (regardless of external events). Even if the benefits change, there’s no mystery behind the final number. Also, all money earned within the policy is tax-deferred. The same interest rate can be applied to the ever-accumulating cash value without being interrupted by taxes. 

If you want to learn more about the benefits of universal life coverage, call Senn Insurance Agency in O’Fallon, MO today. We’re here to explain the critical types of coverages so you can understand your options. 

Ways to Protect Your Home in the Summer

There are a number of ways to protect your home in O’Fallon, MO during the summer months.

Insulate: Many people think of insulation for the winter but it’s equally as important in the summer. Just as cold air creeps in, so too does hot, sticky air. To beat the heat, start in the attic. Inspect every part of your home to make sure insulation is installed correctly to not let the cool air out.

Combat Direct Sun: Wooden decks can be dried out by the intense summer sun, which can lead to cracks and shrinkage. Ultraviolet rays will break down wood fibers so be sure to add a UV protected sealer to an outdoor deck. If you want to use a stain, know that the darker the stain, the better protection it can offer your wood.

Choose the Right Paint: Bad weather can be dangerous to the exterior of your home. Harsh UV rays can cause the paint to peel, fade, or chip. Rainy and humid conditions can help mildew and mold take root. Extreme temperatures will force the exterior to expand and contract and shorten the life of the paint.

Seal Leaks: The rainy season can wreak havoc on a home and you want to make sure it’s waterproof. Check your gutters to make sure there aren’t any crack left over from winter. Make sure downspouts are pointed away from the home so water doesn’t flow into the foundation and endanger the basement. Look in the interior to see if there are any signs of water damage on ceilings and walls.

Check Your Home Insurance: You should be checking your home insurance yearly and summer is a great time to do it. Let your agent at Senn Insurance Agency know if you have had any major home improvements to figure out if you need any additional coverage.

Contact Senn Insurance Agency, serving O’Fallon, MO, to get a quote on home insurance.