Things home insurance won’t cover

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Home insurance is a very valuable type of coverage. Your home is such a significant investment, and you need to feel secure in the protection you have against a multitude of hazards. At Focus Insurance in Eureka, MO, we make sure that we provide you with the information you need to feel comfortable with the home insurance you are getting. But we also encourage you to read your policy to be aware of any exclusions. 

Earth movement

It isn’t a good thing if you feel the earth move under your feet. Earth movement is excluded from your home policy, whether a sinkhole, a landslide, or an earthquake. If it damages your home, your home insurance won’t pay to repair the damage. 

Flood

Floods are one of the most devastating natural disasters, and they are becoming more common every year. They are not covered by traditional home insurance, and you need to purchase a separate policy from the NFIP if you have even the slightest worry that your home could be damaged. 

Owner neglect

Owner neglect may be something you have never thought much about when it relates to your home. But, if you haven’t been treating your home for termites and get termites, the damage is your fault, and your home insurance won’t pay for the repairs. You need to keep your home in good repair at all times. It’s your responsibility. 

Damage due to war or nuclear hazard

These are the extremes and something that most people never even think about, but in the world we live in today, it is good to know at least what is covered and what is not. 

Contact Focus Insurance in Eureka, MO to talk to a member of our experienced team about home insurance coverage and exclusions. 

Protect Yourself With Boat Insurance in Eureka MO

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Boat insurance isn’t a legal requirement in Eureka, MO, but that doesn’t mean you shouldn’t have it. Many things can go wrong when you’re out on the water. Here are some of the top reasons you should invest in boat insurance.

Liability Protection

Boat insurance can help protect you financially if you’re ever sued after an accident. One of the biggest reasons to get boat insurance is for liability protection. If you injure someone or damage their property while operating your boat, you could be on the hook for a significant amount of money.

Another reason to get boat insurance is for protection from uninsured boaters. If you’re in an accident with an uninsured boater, you could be stuck paying for the damages yourself.

Repairs and Replacement

If a collision, storm, or vandalism damages or destroys your boat, insurance can help cover repairs or replacement costs. The right policy can be a lifesaver if you have an expensive boat. How much protection you need often varies by the value of your boat. Your Focus Insurance agent can help you find the right policy for your needs.

Medical Coverage

If you or your passengers are injured in a boating accident, medical coverage can help pay for the medical bills. Having the policy to cover injuries to you, a passenger, or a pedestrian can be a great comfort. And if you’re injured far from shore, it can save you money.

For example, you may need to be airlifted to a hospital for treatment, which can cost thousands and not be covered by standard health insurance.

There are many reasons to get boat insurance in Eureka, MO. Make sure you’re protected by contacting Focus Insurance today. We can help you find the right policy for your needs.

Should I Bother with Umbrella Insurance?

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Umbrella insurance comes to your rescue when faced with significant claims exceeding the limits of your auto, boat, or home insurance. But is umbrella insurance worth it? Focus Insurance of Eureka, MO has the answer.

Who should bother with umbrella insurance?

Not sure why you should invest in umbrella insurance? Umbrella insurance can save the day when you least expect it. Here is why you need umbrella insurance:

To protect your assets

If you are starting your career, you don’t need umbrella insurance. However, umbrella insurance starts making sense after accumulating assets, like a home or vehicle.

Suppose you are at fault for a car accident that results in significant property damage and injuries to other people on the road. While you have auto liability insurance, it certainly doesn’t have a sufficient limit to cover the ensuing third-party costs. Your properties, including your home and future earnings, will be at stake with insufficient insurance. See how one event can ruin your finances?

Luckily, if you have umbrella insurance, it takes over from where your conventional liability coverages leave off. It protects your assets and future earnings when significant liability claims come calling. More so, umbrella insurance isn’t for individuals only. Umbrella insurance can step in when your general liability coverage runs out if you have a business.

Lawsuits can strike anytime.

You might think that lawsuits are a preserve for certain people, but anyone can be sued in America. We live in a litigious society where you can virtually be sued for anything. Regrettably, when legal cases aren’t judged in your favor, you can quickly slump into financial turmoil. However, when you have umbrella insurance, it can protect you when sued by third parties.

Umbrella insurance in Eureka, MO

Are you looking for affordable umbrella insurance in Eureka, MO? Please get in touch with Focus Insurance for a reasonable quote.

What Is Survivorship Life Insurance?

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Survivorship insurance is designed for very specific purposes. It is important to understand all of the details in order to determine if it is right for you. Focus Insurance is here to help you with this decision if you live near the Eureka, MO area.

When it comes to life insurance, there is an abundance of options from which you can choose. Life insurance is not a one-size-fits-all product. You need to choose coverage based on your specific needs. While most people are aware of the differences between whole life and term life, many are not aware of the benefits provided by survivorship life insurance.

How It Works

Survivorship insurance is essentially life insurance that covers two people. Both people on the policy must die before any benefits are paid.

If you have survivorship life insurance, no money is paid when you die. Instead, your survivor continues to make the premium payments. Once the survivor dies, then the benefits will be paid to a beneficiary.

Why Invest in Survivorship Life Insurance?

Since the policy will only pay once both parties named on the policy have died, there are specific purposes for the use of those benefits. The benefits will provide your beneficiary with a way to pay for estate taxes without having to liquidate any assets. It will provide financial support if you have a child with special needs. You can leave a legacy by donating the proceeds to a charitable organization that is important to you.

These are just the basic details about survivorship life insurance available in Eureka, MO. If you have questions and are interested in learning more about survivorship life insurance, feel free to reach out to the experts at Focus Insurance. Give us a call today. We are here to guide you through the process of choosing the life insurance products that best meet your needs.

Who needs to have auto insurance in Eureka?

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Owning a vehicle in the Eureka, MO area continues to be a necessity for a lot of people. If you are looking for a vehicle when you are here, it is important that you carefully assess your personal responsibilities as well. One responsibility that you will have is your need to get insurance. There are various reasons why you need to have auto insurance coverage when you are here. 

Coverage is Needed for Those with Loans

A reason that you need to get auto coverage is that it could be required if you have taken out a loan. Due to high vehicle costs and low-interest rates, now is a great time to finance a vehicle. If you choose to take out a loan, your lender will always require that you get proper insurance coverage. This will often include requiring you to have collision and comprehensive coverage until you have paid off the full balance of the loan. 

Coverage is a State Requirement

You should also get an auto coverage plan to comply with state requirements. Those that want to drive a car in Missouri will need to carry insurance at all times. If you drive a car on a public road and do not at least have liability insurance, you could find yourself in violation of the law and can face various penalties. 

Those that are in the Eureka, MO area will always want to ensure they have proper insurance coverage. For vehicle owners that are looking for a new plan, calling Focus Insurance is a great option. There are a lot of choices that go into picking auto insurance and Focus Insurance can make it easier for you. The team here will help you assess your needs and options and build a quality plan. 

Which Auto Insurance Policy is Right For You?

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When you are shopping for auto insurance, what factors do you consider? When buying auto insurance, it’s usually a balancing act between needs, preferences and cost.  While there exist several auto insurance coverages, how do you know the ones suitable for you? How do you choose coverages that answer your specific needs? If you are unsure which auto insurance is right for you, Focus Insurance in Eureka, MO, is here to guide you.

Understanding different types of auto insurance coverages

Even if you are a seasoned motorist, buying auto insurance calls for some research. And as you build your auto insurance know-how, you must first understand the below car insurance coverages:

  • Liability insurance: This coverage protects you when you cause bodily injury or property damage to other people. This coverage is mandatory in many states, including Missouri.
  • Comprehensive coverage: It covers your vehicle from physical damage caused by non-accident perils like fire, theft, and natural disasters.
  • Collision coverage: It covers your vehicle from physical damage of collision with stationary objects or other motorists.
  • Medical payments / Personal Injury Protection (PIP): It covers medical expenses for you and your passengers following an auto accident.
  • Underinsured/uninsured motorist coverage: This insurance plan covers you when you collide with a motorist carrying no or insufficient auto insurance. Besides, it covers hit-and-run scenarios.

The above are typical auto insurance coverages. You can also consider the below add-ons to boost your auto insurance policy.

  • Roadside assistance
  • Spare parts coverage
  • Engine protect
  • Zero depreciation
  • Consumables coverage
  • OEM endorsement

At Focus Insurance, we usually recommend you choose auto insurance coverages you can afford comfortably. Consider your financial situation, too. Do you own many assets? If yes, you need higher liability coverage. Also, when deciding about deductibles, think about your cash flow position – settle on a deductible amount you can afford.

Learn more about auto insurance in Eureka, MO

Would you like to get more information about auto insurance? If so, don’t hesitate to get in touch with Focus Insurance to get more insights on auto insurance.

3 Home Insurance Tips for First Time Homebuyers

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Buying a home can be exciting and tiring as well. There are several processes you ought to complete, one of them being getting home insurance.

Buying home insurance should be considered a necessity rather than a luxury. You don’t know about tomorrow, and as much as we hope that nothing goes wrong, sometimes things act against our hope. The best thing is to gear up and have a plan of what to do in case something unpleasant happens. Focus Insurance offers insurance plans to homeowners. If you reside in Eureka, MO, you can check out the various plans we have and protect your home against unforeseen happenings.

Below are some insurance tips for first-time homeowners.

Do Your Research

Do some research on various insurance companies and choose the best. Research more on how they handle claims, and you can also look for some information regarding their financial strength. This gives you confidence that in case of damages, they’ll compensate you without problems.

Understand Coverage Levels      

Always read the policy before committing to ensure you understand the coverage levels. This helps you decide whether you’ll be fine with a particular plan or whether you need to make additions to the premiums. Understanding coverage levels keeps you safe from getting bad surprises in the future.

Always Review the Policy

It’s important to keep on reviewing the insurance policy from time to time. For example, if you make any addition to your home, you may be required to increase your premiums to avoid being underinsured. Some additions can also lower your premiums. Reviewing the policy ensures that you don’t pay an excess.

Buying a home is one of the most costly investments you’ll ever make. You want to make sure your investment will never go to the drain by insuring it against various risks. If you are a resident of Eureka, MO, Focus Insurance offers insurance plans for homeowners, tailor-made to suit your needs. Call us to discuss more about your home insurance needs.

Components of a boat insurance policy

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Components of a Boat Insurance Policy

Boat insurance doesn’t only cover structural damage to a boat. Similar to how auto insurance works, boat insurance offers a policy you can customize with other coverage available from Focus Insurance. For example, you can add collision or comprehensive to your liability insurance.

Boat Insurance Essentials

When you purchase the essentials of boat insurance, you get a policy with bodily injury liability, property damage liability, and physical damage coverage. These three coverage types protect you from:

  • paying out of pocket or going to court if you injure or kill another boater while operating your boat up to your policy’s limits,
  • paying out of pocket or going to court if you damage another’s boat or other property.
  • paying out of pocket for physical damage you cause to your boat or trailer whether the damage occurred on land or in the waters near Eureka MO or out of state.

Add-on Coverage

You can also add to the policy with comprehensive and collision coverage. Just as it does with auto insurance, a comprehensive component pays for weather or vandalism damage to your watercraft as well as covering when it gets stolen. The collision component pays for your boat’s repairs or replacement if you cause an accident. Other options include uninsured boater coverage. Each of these three options adds to your premium but also helps protect your watercraft investment and your financial security.

Contact Us

Contact Focus Insurance serving Eureka, MO today to learn more about how boat insurance can help you. Let one of our insurance representatives assist you in determining which coverage types your policy requires. Call us or use our online contact form on our website.

When should you review your home insurance policy?

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There is no place like home, home is where the heart is, and home sweet home are all ways to express just how important your home is to you and your family. Protecting the investment you have made is vital to your financial security. Home insurance is not the same for everyone. Making sure that the coverage you have fits your home and your situation. At Focus Insurance in Eureka, MO, we have more than 20 years of experience providing our clients with personal service and more choices.

When you get your renewal notice for your home insurance, you will have a declaration page with it. On the declaration page is all the information about your policy. The amount of property coverage you have, the amount of liability coverage, your deductible, and any endorsement that you have. It also shows any discounts that you get. You should review this page very carefully every year and think about what you need to change or keep the same. 

If you have made any major repairs to your home, you should review your home insurance to make sure that the amount of coverage you have reflects the current value of your home. If you have replaced your roof, you should let your insurance agent know so that they can see about finding a better rate for you. 

Have you added a dog to your family? A swimming pool or a trampoline? You should consider if your liability coverage is adequate for the increased risk. 

Have you added any safety equipment? A home security system or smoke detectors connected to the fire department? Make sure your agent is aware of these additions. Is your deductible right for you? These are all things that you should consider as part of your renewal. 

Contact Focus Insurance in Eureka, MO for all of your home insurance needs. 

How Does Umbrella Insurance Protect Someone?

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Have you toiled hard to create wealth in Eureka, MO? Umbrella insurance gives you catastrophic protection to a person or company against devastating financially crippling lawsuits warranting a significant amount of money to cater to damages. To feel secure about shielding your assets and your future, you may require the extra level of protection guaranteed by a prolific personal umbrella liability coverage. Umbrella insurance is an additional policy that cushions the current limits of your other insurance coverages like auto and home insurance get exhausted. Connect with us at Focus Insurance serving Eureka MO today. Our charismatic agents will explain to you the various umbrella insurance options available, guaranteeing your protection in various ways as stipulated below. 

 Bodily injury liability coverage: It pays for the cost of bodily injuries you inflict on other parties, and you are at fault. It caters to the cost of medical expenses or liability claims propagated by:

  • Falling of a visitor on your premises sustaining an injury
  • Engagement in a severe auto accident and you are found guilty
  • Harm propagated to others by your dog
  • Your neighbor’s child falls while playing in your yard

Property damage liability coverage: It reimburses the cost of physical destruction you cause to another party’s tangible property. It entails the cost of damage to cars and other property emanating from an auto accident where you are deemed liable.

Owners of rental unit coverage: It safeguards you from prevailing liability you may encounter as a landlord, such as your tenant’s dog biting someone, and you are deemed liable for the injuries.

Protection is provided if you get sued for:

  • Malicious prosecution
  • Mental anguish
  • False arrest, imprisonment, or detention
  • Libel
  • An injurious spoken statement(slander)

Magnificent coverage for you in Eureka, MO is unique. Contact Focus Insurance to establish how to protect yourself and your family with formidable personal umbrella insurance. Our helpful team will assist in tailoring coverage that suits your needs.