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Senn Insurance Agency Blog

Auto Insurance: Comprehensive and Collision Basics for Missouri Drivers

Missouri motorists enjoy driving on scenic roads in a picture-perfect state that offers breathtaking views of majestic sights like the mighty Mississippi. 

The guide below explains how savvy motorists are fully protecting their auto investments with comprehensive and collision insurance from Senn Insurance Agency! 

Get Beyond Basic Protection with Comp and Collision!

Local car owners who want to protect their automobiles with the highest level of protection choose comprehensive and collision insurance as a step up from liability-only policies, which satisfy basic state minimums. 

Why Drivers Choose Comprehensive and Collision Insurance for Total Protection 

Missouri drivers who want to satisfy basic state minimums by investing in liability policies that protect their finances and other drivers from legal liability claims, personal injury claims, and claims for medical damages can opt for basic insurance coverage. 

Drivers who want to protect their investments totally from auto accidents, animal collisions, automobile theft, and natural disasters can get comprehensive and collision coverage to satisfy these extended insurance requirements. 

Full coverage insurance benefits protect local motorists from various collision and non-collision-related incidents. 

Comprehensive policies also have add-on options like emergency roadside assistance, towing, and umbrella insurance extensions. 

Be Proactive and Get an Auto Insurance Quote Today! 

If you’re worried about having full coverage insurance for your auto and don’t know where to begin, contact our office. A licensed insurance agent can offer tips and advice on choosing the best comp and collision policies to meet your driving needs. 

Please don’t wait until a costly automobile accident leaves your vehicle and your finances in shambles. Be proactive by contacting the licensed and knowledgeable agents at Senn Insurance Agency in O’Fallon, MO, and get a comprehensive insurance quote today! 

Is Your Home Insurance Enough? What to Consider

Home insurance plays a vital role in rebuilding and repairing when a covered event damages your home. Home insurance may pay to fix a roof when a tree falls on your home or clean up the mess if a vandal damages your home’s siding.

While getting home insurance is an important first step, reviewing your policy regularly is also important. At Senn Insurance Agency, servicing O’Fallon, MO, we offer home insurance that covers a range of perils and help homeowners review their policies when the time comes. Below are some things to consider when deciding whether your home insurance is enough. 

When was the last time you reviewed your home insurance policy?

Home insurance should go through a review process every year. During the process, you should look at your coverage amount and determine whether it’s enough to replace or repair your house when damage occurs. It may have been enough when you got the policy, but building materials can go up in cost, as can home prices themselves. Reviewing your policy gives you a chance to rectify this problem. 

Have you made significant home improvements since you reviewed your policy?

Did you add a room to your home or increase your home’s square footage by finishing your basement? This is the kind of information you should consider when you’re reviewing your home’s insurance policy. 

Contact your insurance agent to review your policy today. 

If you’re unsure whether your home insurance coverage is adequate, the professionals at Senn Insurance Agency servicing O’Fallon, MO, can help. We can review your policy and recommend updates to ensure that you have sufficient coverage to protect your home. 

What Is Term Life Insurance?

One of the decisions you’ll have to make when shopping for life insurance is choosing between term life insurance and permanent life insurance. To make an informed decision, it’s important to understand both insurance types. This blog focuses on term life insurance with insights from the experts at Senn Insurance Agency serving O’Fallon, MO.

What Is Term Life Insurance?

Term life insurance provides coverage for a specific term or period. Young individuals often prefer term life insurance to ensure that their loved ones are protected financially if they were to pass away. It can help cover mortgage payments or other day-to-day expenses incurred after the insured’s death.

How Does Term Life Insurance Work?

A typical term life insurance policy mandates a medical exam before activation. The policy pays out a set amount if the insured dies during the term. Some policies decrease the payout each year, while others maintain a consistent payout throughout the term. Some term life insurance types can be extended without undergoing an additional medical check.

Who Needs Term Life Insurance?

Term life insurance is mostly suited for individuals who have dependents, like young children, and want to ensure their financial stability in case of their death. At Senn Insurance Agency serving O’Fallon, MO, we are always ready to help you decide if term life insurance fits your needs best. Reach out to us today.

What could happen in Missouri if I don’t have auto insurance?

Owning a car is a good idea for those living in the O’Fallon, MO area. When you have a car here, you will be able to get around the community and experience all that it has to offer much more efficiently. When you choose to buy a car, you need to have insurance. If you do not have insurance, you can face various potential consequences. 

Penalization

One consequence of not being insured properly is that you can face penalization. If you choose to drive a car and do not have insurance, you will be in violation of state law, which, at a minimum, requires you to carry a certain level of liability insurance. If you are caught driving without it, you can be fined or even lose your privilege to drive a car for a period of time. 

No Coverage

Another consequence of not having insurance is that you will not have coverage or support. If you are at fault in an accident, the cost to cover damage to your vehicle and the other driver can be significant. If you neglect to carry this insurance, you will not have any support and will have to cover all such costs out of your own financial resources. 

When buying a car in the O’Fallon, MO area, you also need to get the right insurance. When shopping for a new plan here, you can get all the guidance you need by contacting our team at the Senn Insurance Agency. We can answer any questions you have and help ensure you get into a plan that is right for your situation. 

What New Homeowners Should Know About Buying Their First Home Insurance Policy

Buying Your First Home Insurance Policy: A Guide for New Homeowners in the Greater O’Fallon, MO Area

If you have recently purchased a home in the greater O’Fallon, MO area, having a home insurance policy is a critical step towards safeguarding your investment. Senn Insurance Agency offers some key factors to consider during this process.

Understanding Coverage Options

Typically, home insurance policies offer various types of coverage, including dwelling (covering the structure of your home), personal property (covering your possessions), liability (covering legal expenses if there’s an injury on your property), and additional living expenses (covering temporary housing if your home is uninhabitable). Understanding these coverage types will help you select a policy that best suits your needs.

Determining Coverage Limits

When deciding on coverage limits for your home insurance policy, it’s essential to consider the replacement costs of your home and possessions. If you underestimate, you could risk being underinsured in the event of a claim. Conversely, overestimating could lead to needless premium costs. Consulting with an experienced insurance agent can help you determine suitable coverage limits.

Considering Additional Coverage

New homeowners may need to consider additional coverage for specific risks not covered in standard policies, such as flood or umbrella insurance. Assessing these potential risks and discussing them with your insurance agent ensures comprehensive coverage.

Reviewing Policy Exclusions

Taking a careful look at the exclusions and limitations of your home insurance policy is vital. Regular exclusions could include damage caused by earthquakes, floods, or certain types of personal property. Knowing these policy exclusions can inform your decisions about seeking additional coverage options.

Purchasing your first home insurance policy is a crucial undertaking for new homeowners in the greater O’Fallon, MO area. If you need help understanding the available coverage options or selecting the right policy for your needs, contact Senn Insurance Agency today.

How do I know which kind of life insurance is best, depending on my age?

No matter how old someone is, they could benefit from having a life insurance policy. There are different kinds of life insurance, though, and you may get better benefits from one or another based on your age. If you are looking for life insurance in O’Fallon, MO, Senn Insurance Agency can help you look at all your options.

The Younger, the Better

The younger you are, the smaller your premiums will be. The premium is the monthly payment to maintain your policy.

Term life insurance is popular among young people because of the lower premium prices. If you choose a term life policy, you will decide how long you want your policy to last and how much insurance you want.

Term life insurance usually lasts between 10 and 30 years and is the less expensive option. The only benefit is that there is a death benefit paid out if the person who holds the policy dies. Some people add a term life policy to a whole life policy during certain financial situations, such as buying a new home.

Whole Life Insurance

Whole life insurance lasts forever or as long as you keep paying your premium. Unlike term insurance, there is a cash component where the policyholder can borrow money against the policy.

Many people choose whole life insurance after the age of 30 because it provides long-term financial security. For instance, older people can carry a policy that will help provide for the children, pay off the mortgage, and pay burial expenses.

Your circumstances are unique, and what might be best for you wouldn’t work for someone else. If you live in O’Fallon, MO, Senn Insurance Agency can help you assess your current situation to make an informed decision. Call today.

Three Important Steps to Take Following an Accident

Senn Insurance Agency, here in O’Fallon, MO, is proud to serve our community. If you have questions about insurance, our team is here to answer them. The right auto insurance policy can help you when you need it most. Let us help you with all your insurance needs, from auto to homeowners to life. 

Steps to Take Immediately After an Accident

If you are involved in an auto accident, there are a few steps to take immediately. The first of which is to get to a safe place. If you need to wait for a tow truck because your vehicle is inoperable, be sure to find a safe spot while you wait for them to arrive.

You’ll also want to seek medical help, even if you feel fine immediately after the accident. The most common injuries that occur due to an accident affect soft tissue areas like your neck. This type of injury can take hours or even days to show symptoms. It’s essential to have a medical check-up to ensure that you haven’t experienced this type of injury.

The next step is to call your auto insurance carrier to begin the claims process. You’ll want to start the process as soon as possible and get back on the road. Depending on the accident’s severity, you might also need to file a police report. Your local agent is an excellent resource during this time and can provide further direction as needed.

Give Senn Insurance Agency a call today!

If you live or work in the greater O’Fallon, MO area, you can count on the team at Senn Insurance Agency. Contact us today to learn more about how our services can help you. We look forward to helping you meet your insurance needs!

Preparing for a Home Insurance Claim: What You Need to Know

When the unexpected happens, having a solid understanding of the home insurance claim process can make all the difference. Being prepared can help you navigate the challenges of filing a claim and ensure a smoother recovery, whether it’s a burst pipe, fire, or structural damage. Here’s a list of the steps that you need to know:

  1. Document Everything: From the moment the damage occurs, document the situation with photos and videos. The more detailed notes you have, the better. This will serve as crucial evidence during the claims process, helping insurance adjusters accurately assess the extent of the damage.

  2. Go Over Your Policy: Understand the coverage limits, deductibles, and any particular requirements related to the type of damage you’ve encountered. This will empower you to make well-informed decisions throughout the claims process.

  3. Every Moment Counts: Don’t hesitate—time is crucial. If you encounter damage, quickly contact Senn Insurance Agency, serving O’Fallon, MO, and the surrounding areas, to report the incident and initiate the claims process promptly.

  4. Partner With The Adjusters: Insurance adjusters will assess the damage and determine the amount of compensation you’re entitled to. Cooperate fully during their inspection, providing any necessary documentation and answering questions truthfully.

  5. Temporary Repairs: If you need to make temporary repairs to prevent further damage, keep detailed records of all expenses. Your insurance policy may cover these costs, so providing accurate documentation for reimbursement is essential.

In times of crisis, being informed is crucial. Ensure you have a copy of your insurance policy readily available, and familiarize yourself with the claims process details. For added protection for your home, contact Senn Insurance Agency, which serves O’Fallon, MO, and the nearby areas. Contact us today.

Four common misconceptions about life insurance

At Senn Insurance Agency, we’re here to assist consumers in O’Fallon, MO with meeting their life insurance needs. 

Unfortunately, consumers sometimes have misconceptions about life insurance. Here are four of the most common misconceptions out there about life insurance. 

Life insurance is not affordable for most consumers.

It would be best if you didn’t make any assumptions about how expensive life insurance is. It would be best to get quotes on life insurance policies to be accurately informed about how much it will cost you and your family to get life insurance coverage. 

The life insurance coverage that you get through your employer is adequate.

Many employers offer life insurance coverage to employees. However, it’s important to know that the coverage offered by employers is not always adequate for a family’s needs.

It might be essential for you to invest in added coverage that goes beyond what your employer offers if you want to ensure your family is financially secure. 

You can’t get life insurance if you have a chronic health condition.

While it might be harder to get life insurance if you have health issues, it’s not impossible. If you’re worried about health issues, shop around, and you should be able to find a no-medical exam policy that meets your needs. 

You don’t have to worry about missing one life insurance premium payment. 

It’s essential for you to make every life insurance premium payment on time. If you miss a payment, your policy could lapse, and your family could be without coverage. 

If you need life insurance, you can get a quote on a policy from Senn Insurance Agency. We’re here to help consumers in O’Fallon, MO when it comes to meeting their life insurance coverage needs. 

Don’t Text and Drive

As of August 28, 2023, texting and driving in Missouri officially became illegal. Bluetooth and talk-to-text are acceptable, but hands on the wheel means hands off the phone. Previously, the law only applied to young drivers under the age of 21, but now it’s all drivers. For now, driving while texting is only a secondary violation, but starting in 2025, a first-time violation will lead to a fine of up to $150. This can increase to $500 for any repeat convictions within two years. Missouri is only the 49th state to ban texting and driving for all ages. And it’s about time. 

Don’t Get Distracted

Would you drive the length of a football field while blindfolded? You do that if you look at a text for 5 seconds while doing 55 mph. Driving is something that requires your full attention. Letting yourself get distracted can lead to disaster. Even if you get lucky and no one is killed or hurt, your car could be damaged, sued, and your insurance rates could go up. In every state but Montana, you could get arrested.

The Numbers Are Going Up

According to the National Highway Traffic Safety Administration, there has been a 12% jump from 2020 to 2021 in fatal car crashes that involve at least one distracted driver. There have been confirmed 3,522 people killed across the U.S. by distracted driving. Sadly, the numbers may be underreported. 

Senn Insurance Agency Serving O’Fallon, MO. 

We at Senn Insurance Agency hope you will drive safely. If you are in O’Fallon, MO, and need auto insurance, call us, and we’ll take care of you.