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O'Fallon, MO 63366

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Senn Insurance Agency Blog

Will my homeowners’ insurance pay for the repair/rebuild of my she-shed?

Homeowners’ insurance creates peace of mind for many people. This type of insurance contains different types of coverage to cover a wide variety of situations that homeowners may face. Many homeowners would be unable to financially handle unexpected events, accidents, and damages to their homes or property. The Senn Insurance Agency team is dedicated to helping O’Fallon, MO homeowners understand the benefits of homeowners insurance.

What is homeowners insurance?

Homeowners insurance is designed to provide a wide variety of coverage for your home. It’s designed to provide liability coverage and coverage for your home and belongings. Your homeowner’s insurance covers your home’s exterior, interior, foundation, personal belongings, and any other structures on your property. Of course, your insurance has specific terms regarding what types of circumstances and incidents your policy covers. If your home, personal belongings, or structures become damaged, you can file a claim with your homeowner insurance for repair or replacement. Depending on your homeowners’ insurance terms, you may or may not need to pay a deductible. 

My she-shed burned to the ground. Will my homeowners’ insurance pay for the repair/rebuild?

Yes. Your homeowner’s insurance will pay for the repair or rebuild of your shed if the incident/damage is covered. The repair or replacement of your she-shed is covered by "other structures coverage." However, any personal belongings damaged in the fire are (covered) replaced or repaired by personal property coverage. Understanding homeowner’s insurance can be confusing. A licensed insurance agent can help you explore your homeowner’s insurance policy. If you have questions, call us. We’d happily answer your questions and help you explore your options.

Who should get a life insurance plan in Missouri?

Everyone in the O’Fallon, MO area should take their personal insurance needs seriously. One type of coverage that many overlook is life insurance. While someone may not consider their life insurance needs, it is a very important form of coverage everyone should consider getting. There are various scenarios when someone wants a full life insurance plan.

When Trying to Provide Financial Coverage

A situation when someone will want to have a life insurance plan will come when they are trying to provide financial coverage for those that they care about. One of the main benefits of having a life insurance policy is that you can build and customize it to provide your dependents with financial support if you pass away in an accident. Having life insurance will allow you to ensure your dependents have the financial assistance they need to maintain their current lifestyle. 

Alternative Investment

A whole life insurance is a good tool for those who want to save for the future and receive life insurance support. With a whole life insurance policy, some of the payments you make each month will go into an account that grows in the future with interest and can be liquidated. At the same time, you will receive life insurance support. 

It is very important for those in the O’Fallon, MO area always to have life insurance. If you are comparing policies for this type of coverage, it can be helpful to start the search by calling us at Senn Insurance Agency. When you call our Senn Insurance Agency team, you can receive beneficial guidance that will inform you about your options and help you select an ideal policy. 

Safe driving tips for new drivers

Safe driving is a skill that all drivers should continually practice and perfect. New drivers, especially, need to be aware of the potential dangers of the road and know how to stay safe.

Here are a few tips from us at Senn Insurance Agency for new drivers to keep in mind when behind the wheel here in the O’Fallon, MO area, and everywhere: 

  1. Always be aware of your surroundings. Pay attention to what other cars do around you—especially when turning or changing lanes. 
  2. Don’t speed or drive too fast for the conditions. Remember, even if you are within the posted speed limit, driving that quickly doesn’t mean it is safe—especially in bad weather or heavy traffic. 
  3. Follow the rules of the road and always obey traffic signs and signals. This includes stopping at stop signs and red lights, signaling before turning or changing lanes, and yielding to pedestrians at crosswalks. 
  4. Always wear a seatbelt and make sure all passengers are buckled up too! Seatbelts save lives and help protect drivers from serious injury in the event of an accident. 
  5. Avoid distracted driving activities such as texting while driving or eating behind the wheel (or any other activities that take your eyes off the road). Focus on driving safely! 

New drivers should focus on mastering these tips early on so they can stay safe on the roads for years to come! For more information, or if you are a new driver and need auto insurance, call us at Senn Insurance Agency today. We are proud to serve the O’Fallon, MO area and would be happy to help you find a policy that meets your needs and budget.

Tips for Protecting Your Home While On Vacation

Most people look forward to their vacation months in advance as it is often one of the few opportunities to catch a few consecutive days of stress-free living. Before leaving on vacation, the insurance professionals at Senn Insurance Agency offer these protection tips for your property or home in and around the O’Fallon, MO vicinity.  

Lock Doors & Windows

Make sure the property is secure. Consider extra security like a deadbolt.  

Install a Home Security System

Home security is now more affordable than ever. You can have alarms on windows and doors.

Use Light Timers

Set timers for lights or TVs/Radios to deter potential thieves.

Have a Friend/Family Member Keep an Eye on Your Empty Home.

Ask someone to check the property regularly while you are away.

Hold Mail & Newspapers

A pile of folded and unread newspapers is a sure sign the residents are not home. Put the mail on hold or ask your neighbor to get it.  

Lay Low on Social Media

Vacations are exciting, so people share their experiences with friends and family live and online. Avoid these pots until you are home to avoid tipping off a potential burglar.  

Secure valuable items

Consider storing valuable items in a safe or other safe location. Finding an appropriate safe can protect your items from storms, fires, and theft.

Don’t Leave a Hide-A-Key

This method is not secure and may increase the chance the property is burglarized.

Install an Outdoor Senso- Light

These lights switch on when sensing any movement.

The Take Away

The last thing you want after a vacation is to come home to an issue that may have been preventable by being cautious. For information on further protecting your home and family in the greater O’Fallon, MO area, call the professionals at Senn Insurance Agency at 636-987-7798 or online.

Who Should Be My Beneficiary on My Life Insurance Policy?

Choosing a beneficiary is an essential step in purchasing a life insurance policy. Here at Senn Insurance Agency, serving O’Fallon, MO, and the surrounding areas, we intend to help walk you through these types of important insurance decisions. Keep reading to learn more. 

Understanding Beneficiaries 

When you purchase a life insurance policy, one of the most important decisions you’ll need to make is who to name as the beneficiary. The beneficiary is the person to which life insurance benefits will be paid in the event of your passing. You should carefully consider who you are naming in this role on the policy. 

Common Beneficiaries 

You have the right to name anyone you would like as a beneficiary. However, some common beneficiaries are often chosen. For instance, married people often choose their spouse to be their beneficiary. Most married people purchase a life insurance policy to provide financial assistance to their spouses should they die. Another common person to name would be a child or children. 

If you do not have a spouse or children, you will want to consider another option. 

Things to Consider When Choosing a Beneficiary 

If you are not choosing a spouse or a child, you will want to consider who would use the insurance benefits properly carefully. The beneficiary on a life insurance policy is often responsible for paying for your final expenses if you have not pre-paid for those already. If there are other things that you would wish for the money to be used for, you should make sure you choose someone who is trustworthy and will carry out your wishes as you have requested. 

If you want to learn more about life insurance, please get in touch with us at Senn Insurance Agency, serving O’Fallon, MO, and the surrounding areas. 

 

Options for Covering a Car in Long-Term Storage

What Are Your Options for Coverage of a Car in Long-Term Storage?

When you’ve decided to store a vehicle long-term without driving it, you might be tempted to go without insurance or keep paying your regular insurance premium until you resume driving it. At Senn Insurance Agency in O’Fallon, MO, we help our customers with various unique vehicle insurance situations. They can range from long-term storage, including military deployment situations, to classic cars driven for special occasions and valuable vehicles kept as an investment.

Your Car Has Value that Needs Protecting

Things can happen, even to a car in long-term storage. Without insurance, it’s up to you to manage repairs or accept the loss. Maintaining some form of comprehensive insurance can protect your vehicle from a wide range of risks and ensure that your investment is not inadvertently lost or reduced. Even if the problem is with the storage facility, having your own carefully selected coverage is wise.

Do You Need Liability Coverage if You’re Not Driving the Vehicle?

There may be options to adjust, pause, or modify liability coverage to get the desired protection without unnecessary extras. If your car is registered, though, the state of Missouri expects it to have at least minimum liability insurance coverage and provides penalties if not. At Senn Insurance Agency in O’Fallon, MO, we can help you coordinate registration and insurance issues together. Also, a full lapse in coverage can increase premium when coverage is resumed.

Storing your vehicle doesn’t have to mean continuing your full insurance coverage, but adjusting coverage is something you should consider doing with our experienced help. Give us a call. Let’s talk about your plans and how we can help!

 

Tips to prepare your house for a storm

As winter progresses, so do storms and the potential for more severe weather in the O’Fallon, MO area. Preparing your home for a storm can help to minimize damages and protect your family from harm. Here are some tips from us at Senn Insurance Agency to help get you started:

  1. Secure outdoor furniture, decorations, and any other items that may be thrown around in strong winds. It’s best to store these items away in a safe place until after the storm passes. 
  2. Clear gutters of debris and leaves so that water can flow freely away from the house during rain storms. Additionally, trim any bushes or trees near windows, so they don’t become projectiles in high winds. 
  3. Check windows and doors for cracks or gaps which could let water or wind into the house. Apply caulk or weatherstripping to seal these areas up tight before the storm hits. 
  4. Ensure your home is equipped with surge protectors for electronic devices should lightning strike close by. This can minimize power spikes which can cause damage to delicate electronics like computers and televisions. 
  5. Ensure an emergency kit is ready with items such as flashlights, batteries, bottled water, first aid supplies, and non-perishable food items in case of prolonged outages or if assistance is needed from emergency services during the storm. 

By taking these steps, you will be better prepared when storms hit the O’Fallon, MO area and hopefully avoid major disasters or mishaps! For more tips on staying safe, call us at the Senn Insurance Agency today. We are happy to help!

The differences between term and whole life insurance

Whole life insurance provides lifelong protection and accumulates cash value over time. It generally provides a guaranteed premium, death benefit, and cash value component that collects tax-deferred with potential dividends. On the other hand, term life insurance is often the most affordable way for individuals to get high levels of coverage for a specific period (typically 10, 20, or 30 years). Since we get asked a lot, here are a few more differences from the Senn Insurance Agency.

The primary difference between whole life insurance and term life insurance lies in their duration. At the same time, you can have a whole life policy in force your entire lifetime—so long as you continue to make payments—term policies are much shorter in duration. The primary purpose of term life insurance is financial protection. Therefore, if you die during your policy term, the insurance company pays a death benefit to your beneficiaries. After the term expires, coverage ends, and there is no death benefit payable.

Whole life policies are more expensive than term life policies because they offer more features, such as investment options for cash value accumulation and guaranteed renewability for life—meaning you can’t be denied a renewal even if your health has changed. 

On the other hand, term life insurance can be a great choice if you only need coverage for a specific period. The premiums are much lower compared to whole life because it does not have the cash value component or guaranteed renewability feature. Moreover, term life insurance is often seen as a way for individuals who don’t want or can’t afford the higher premium costs associated with whole life policies to get coverage that will provide financial security for their families.

For more information, give us at Senn Insurance Agency a call today. We serve the O’Fallon, MO area.

Protect Your Driving Privileges – Get Car Insurance

Did you know that car insurance is mandatory in 48 out of 50 states? Are you driving legally? The Senn Insurance Agency, serving the O’Fallon, MO area, can provide the coverage you need.

You are a careful driver. Why do you need insurance? Because it offers financial protection if you cause an accident. You will be liable for any associated expenses. They include the medical costs of the injured party or their lost wages if they cannot work. Liability coverage helps to pay for these expenses.

In addition to liability coverage, collision and comprehensive insurance are recommended. Collision insurance will cover the cost of replacing or repairing your car if you are at fault in an accident or if the other driver’s insurance does not cover the cost of your repairs. Comprehensive insurance covers damage to your vehicle after a theft, vandalism, falling trees, rogue deer, floods, etc.

Law enforcement is not very forgiving to the uninsured motorist. The suspension of your license will not be lifted until you show proof of insurance coverage. Purchasing insurance on a suspended license is ridiculously expensive. It can cost from 150% to 400% of the cost of a standard policy. It is not worth the risk.

So, unless you live in Virginia or New Hampshire, where this coverage is not mandated, you should have it. It is not worth the ramifications if you drive without it.

Contact the Senn Insurance Agency today for a no-obligation quote or answers to any questions you may have. You will be glad you did.

Home Insurance and Your Rebuilt Car Project

You’re in the middle of a vast rebuild project on that old car you bought in O’Fallon, MO a few years ago. You’re about to start work on the engine, wondering, "does my home insurance policy cover my work in progress?"

The quick answer is no. Your home insurance policy does not cover vehicles being worked on, even if they are stored in your garage. However, there are some things Senn Insurance Agency can do to make sure you and your project are protected.

Getting the Right Coverage for Your Project Car

One option is to purchase a standalone garage policy explicitly designed for people working on cars in their garages. These policies typically cover things like tools and equipment and any damage that might occur to the vehicle itself while it’s being worked on.

Another option is to add an endorsement to your existing home insurance policy. This is usually more expensive than buying a standalone garage policy, but it can be worth it if you have many other valuables you want to keep under one policy. For example, adding a classic car you don’t drive but keep stored in your garage protects it in the event of a fire, theft, or other types of damage.

Regardless of your route, make sure you talk to an agent at the Senn Insurance Agency about how to protect your vehicle rebuild project best. We’ll be able to help you assess your needs and find the right coverage for your situation. And once your project is finished, we can help you update your coverage so that you’re only paying for the protection you need. Soon you’ll be showing O’Fallon, MO your new ride!