How do I Insure My AirBnB or VRBO Property?
Short term rentals through hosting sites like AirBnB or VRBO are increasingly more common in our area. As they should be! We've got a little slice of heaven down here in SWMO and it needs to be shared. But, will that homeowners or condo policy you bought for your new investment property ACTUALLY cover you in a claims scenario?
Licensed, Bonded, and Insured... What does "Bonded" mean??
You may have heard the phrase “licensed, bonded, and insured” in a business advertisement, especially for a contractor. The ‘licensed’ and ‘insured’ part—those make sense right off the bat for most of us. But do you know what ‘bonded’ means? There are many types of bonds that this could be referring to, but one very important one is called a “Surety Bond”.
Builders Risk Insurance 101
Builder’s risk insurance is most commonly used for commercial purposes, such as new construction. Its purpose is to protect the project as well as the materials and supplies on site. This is a short-term insurance policy designed to protect for the duration of the project; meaning you need to know when the policy ends
One Must Have Coverage That Your General Liability Insurance Won't Cover
PLI insurance is a specialty coverage for claims against a business or their employees for negligence, misrepresentation, or inaccurate advice (none of which are covered under general liability insurance policies). This is an insurance that should be strongly considered if you or your business use expertise in a specific field to offer professional services directly to customers or you regularly give advice to clients.
RV and Motorhome Insurance 101
The abbreviation “RV” stands for “recreational vehicle” because it is a motor vehicle (or trailer) that includes living quarters which are designed for recreation accommodation (recreation accommodation sounds like it could be in a jingle!). There are different types of RVs, including motorhomes, campervans, caravans (which are also known as travel trailers or camper trailers), fifth-wheel trailers, popup campers, and truck campers.
Missouri Boat Insurance Basics
While owning a boat can be a wonderful (and sometimes necessary) thing, it should still be treated with the same amount of care as owning and operating a car. Boating accidents can be a serious matter; from personal injury or death to damage sustained or caused by the boat, boat owners need to be prepared for boating gone bad. For that reason, boat insurance is essential.
Things to Know When Buying Homeowner's Insurance
In these (sorry in advance) unprecedented, uncertain, trying times, our homes have become much more than just an answer to “where is your heart?”. They’ve become our offices, our schools, and more pressingly, the place where families fight over the last roll of toilet paper (or whatever household good is in short supply at the moment) and where the family dog can be seen dealing with newfound separation anxiety. Just those two scenarios alone could spell absolute destruction for your home…
What is General Liability Coverage and Why Can 4x4 Crocs Cause a Claim???
If you saw the last blog post, you might have read that commercial general liability insurance is “an absolute must-have for all business owners.” I stand by that statement, and in fact, I want to reiterate that statement one more time. Commercial general liability insurance is an absolute must-have for all business owners.
I Own A Business...What Insurance Do I Need??
If you are unsure about the types of insurance that your business needs, call up a local Town &Country Insurance Agent, and insure your peace of mind. We know how hard small businesses work, just as well as we know our hometowns; let a local independent insurance agent go to work for you.
Who is Town & Country Insurance? And Why Start a Blog?
Buckle your seat belts and keep all arms and legs inside the vehicle because we are launching the brand new Town & Country Insurance blog! We hope this will serve as a vehicle for us to provide greater value to our current and soon to be customers.