Blog | Travers Insurance

Does Motorcycle Insurance Include Hospitalization?

Posted on January 20, 2023January 30, 2023 by admin

If you own a motorcycle, it’s essential to have motorcycle insurance coverage. Motorcycle insurance offers a different kind of protection than auto insurance. If you’re interested in securing top-quality motorcycle insurance, you can trust the experts at Travers Insurance, proudly serving the residents in and around the Webster Groves, MO area.

Motorcycle Insurance Protection

Because motorcycle insurance differs from auto insurance, it’s essential to understand what is and isn’t covered. For example, hospitalization insurance is not included if you secure motorcycle insurance protection.

If you need to purchase motorcycle insurance and want to understand better the terms and conditions and what is covered, our insurance agents can help. We work closely with each individual to ensure they know the ins and outs of the policy they choose. Additionally, we help submit documentation for coverage, assist with any changes during the policy’s lifetime, and assist with any claims. We provide superior customer support before, during, and after the insurance purchase.

Before choosing a motorcycle insurance policy, you should sit down with one of our team members to determine your current needs and receive professional assistance with policy recommendations and terms and conditions details.

Reach Out Today

If you’re in the market for reliable motorcycle insurance coverage, the experts at Travers insurance can assist you. We are proud to serve the residents in and around the Webster Groves, MO area. Call or stop by our office today to speak to one of our helpful insurance agents. You can also schedule a consultation to shop for insurance policies and ask any questions. Don’t wait to get the insurance protection you need for your motorcycle. We are standing by, ready to provide you with the help you need.

What Perils are Often Included in Condo Insurance?

Posted on December 19, 2022December 19, 2022 by admin

Condo insurance is similar to homeowners, with one key difference. There will be a master condo insurance policy that the association purchases and the individual policy that you will obtain are separate.

Condo Insurance: What You Need To Know

The areas that the master insurance covers will vary according to the selected terms, and it’s important to inquire about this before supplementing this coverage. Typically, it will extend to the roof, exterior walls, and all common areas so that you are responsible for the protection of your own unit. Your Travers Insurance agent can go over the particulars of your policy to let you know exactly what would be included.

In the greater Webster Groves, MO community, the master coverage is required by law and will usually come out of your condo association dues. In contrast, your own indemnification is not a legal mandate. Your lender will usually compel you to have this protection, however.

Covered perils are generally extended to events related to the weather, such as wind storms, lightning strikes, power surges, and damage caused by snow.

You can experience water damage due to heavy rains when the roof leaks or your condominium could experience a fire that razes it to the ground. Your property can be in need of repairs or replacement due to smoke exposure or saturation by a sprinkler system.

In addition, your personal belongings, such as electronics, clothing, and jewelry should typically also be protected. Theft can sometimes be an issue, as can vandalism, and people hurting themselves on your premises should all fall under the purview of your coverage.

Travers Insurance Wants to Help

We specialize in providing Webster Groves, MO residents with the various insurance coverage they need, including condo indemnification. We invite you to contact us to discuss your specific situation, and you can call us by phone, reach us online, or stop in at our office.

Life Insurance Protects Your Family’s Future

Posted on November 30, 2022November 30, 2022 by admin

In the event of your passing, does your family have enough money to protect them for years or decades? Don’t leave them without the security a life insurance policy could provide. Travers Insurance, which provides insurance services in the Webster Groves, MO area, can answer any questions you may have about life insurance.

What is life insurance?

It is a contract between the policyholder and the insurance company, in which they agree to pay the designated beneficiaries a sum of money at the death of the policyholder. Depending on the contract, other things such as severe illness can also force payment of the policy. The policyholder pays a monthly premium, either in one lump sum or monthly. Final expenses can be paid with this benefit.

The individuals who need the greatest amount of life insurance would be those with a very high income to replace their income in the event of their death.

The benefit could be used for childcare for younger children, so the surviving spouse can continue to work, go back to work, or increase their number of working hours. Home cleaning and maintenance duties that were shared between the two of you could be difficult for one person to handle. Hiring someone to perform these services would be possible.

Get Life Insurance Today Outside Of Your Job

If you have a job that currently provides life insurance coverage, what would happen if you lost that job? The life insurance coverage will be lost too.

Don’t risk your family’s security. A life insurance benefit can ensure their future for years to come. And you can rest easy knowing that they will not have to be concerned about where the mortgage payment, car payment, or any other financial responsibility will come from.

Give Us A Call

Our team of experts at Travers Insurance in Webster Groves, MO will answer any questions you have or provide you with a quote to get you started. Contact us today. We’ll be glad to help.

Buying a new car? Don’t forget to upgrade your auto insurance!

Posted on October 28, 2022October 31, 2022 by admin

Travers Insurance is here to help the greater Webster Groves, MO community with all of its insurance needs. Buying a new car is a very exciting experience and one that may change your auto insurance needs. Call our office today to find out more.

Upgrade your auto insurance if you buy a new car

When you buy a new car, your auto insurance needs will likely change. Because of the speed at which new vehicles depreciate, it’s important to have adequate protection. In the event that your vehicle is stolen and never recovered, or is declared totaled in an accident, you will need robust protection.

If a new car is deemed unusable due to an accident or theft, the insurance carrier will assign a value to the vehicle. This amount that is paid out to the policyholder can be less than the amount that is still owed to the lender. Unfortunately, this situation occurs quite frequently.

To avoid having to owe your lender money for a car you can no longer use, be sure to upgrade your auto insurance policy to have this gap protection. Without it, you could find yourself in an unwanted financial situation. This is one example of why it is beneficial to work with a local insurance agent. Sitting down with someone to review your needs is very helpful when you are looking for the right auto policy for your needs. Find out more about auto insurance today!

We are here to help

Residents in Webster Groves, MO and the surrounding area can rely on the team at Travers Insurance. If you have questions about auto insurance, we are here to help answer them. Give us a call or come by our office today to learn more.

Who needs to get a commercial insurance plan in Missouri?

Posted on September 16, 2022September 16, 2022 by admin

The Webster Groves, MO area continues to be a good place to run a business. When you are an owner of a company here, the strong economy and population offer a lot of opportunities. As you are looking to build a business here, it is also important that you appropriately consider your insurance needs.

There are various situations when a business here will need to have a commercial insurance plan:

Businesses Raising Capital

A situation when a business in Missouri will need to have a commercial insurance plan is when they want to raise capital. If you are going to run a business, you need to have access to capital. This can come in the form of a loan or money raised from investors. In either situation, the party providing the capital will want to protect their investment. Due to this, they will typically require the business to have a full commercial insurance plan.

Businesses Looking for Coverage

Even if you do not have a direct obligation to carry commercial insurance for your business, having coverage is still beneficial and a good idea. With the right coverage, you can properly cover your business. If you have a commercial plan, it will provide support to replace your core business assets if you incur a loss due to theft or accident damage. It also will offer valuable liability support if your company is named liable in an accident resulting in a loss.

Get Commercial Insurance Today

Commercial insurance continues to be a necessity in the Webster Groves, MO area for many businesses. As you are looking for coverage here, calling the team with Travers Insurance can be helpful. There are a lot of important factors to consider when looking for coverage and Travers Insurance can help you build an ideal policy.

3 Reasons Why Renters Insurance is Beneficial for Your Home

Posted on August 29, 2022September 2, 2022 by admin

Whether you’re renting an apartment or a home, investing in a renters insurance plan is beneficial for you. Burglaries and fires happen all the time in homes and without renters insurance, it will be tough to finance the repairs. Fortunately, we at Travers Insurance serving Webster Groves, MO do offer renters insurance and could provide the right coverage for your needs.

It Covers your Belongings when Travelling

Anything can happen to your items while traveling. They could be stolen or damaged. Your renter’s insurance plan could help cover the loss of your possessions due to this happening. Other covered losses during your traveling journey could also be covered. Your insurance agent could give you more information on what’s considered "other covered losses."

Liability Coverage is Included

Another benefit of renters insurance- it protects when someone is injured in your home. Liability coverage is another aspect of renter’s insurance. It protects you against potential legal claims you may be obligated to pay. It could also cover unintentional damage caused by you to the landlord’s property. However, it doesn’t cover any negligence or intentional acts that you caused.

It’s an Affordable Policy

Of course, it doesn’t hurt that renters insurance won’t break your bank, too. The National Association of Insurance Commissioners (NAIC) shows that the average renter’s insurance policy is between $15-$30 a month in 2022. In the state of Missouri, the average premiums are between $8-$21 per month. That’s not bad for insurance that’ll cover all of your stolen or damaged belongings.

While it’s not required that you get renter’s insurance as a Missouri resident, you will be safe rather than sorry when getting it for your home. If you’re in the Webster Groves, MO area, contact our Travers Insurance team today.

What Are The Different Types Of RV Insurance Coverage?

Posted on July 15, 2022July 15, 2022 by admin

If you’re an RV owner, it’s important to ensure you have the right type of insurance coverage. There are many different types of RV insurance policies available, and it can be difficult to know which one is right for you.

Travers Insurance offers this guide on navigating the types of RV insurance coverage available and help you decide which one is best for you.

RV Insurance Coverage: What You Need To Know

1. Liability Insurance

This type of insurance covers damages you may cause to other people or property while operating your RV. It is the most basic type of RV insurance and is required in most states.

If you are involved in an accident, liability insurance from Travers Insurance will cover the costs of repairs or replacements up to the limit of your policy. It’ll also cover the medical expenses of any injuries that you may cause to others.

2. Collision and Comprehensive Insurance

Collision insurance covers the cost of repairs to your RV if it’s damaged in an accident. Comprehensive insurance covers the cost of repairs or replacement if your RV is damaged by something other than an accident, such as a fire or theft.

Both collision and comprehensive insurance have deductibles, which is the amount you’ll have to pay out of pocket before your insurance coverage kicks in. Deductibles are typically higher for collision and comprehensive insurance than they are for liability insurance.

3. Full-Timer Coverage

If you live in your RV full-time in Webster Groves, MO, you’ll need to purchase full-time coverage. This type of insurance covers the same things as a standard RV policy, but it also provides additional coverage for things like contents insurance and emergency expenses. Full-timer coverage is more expensive than standard RV insurance, but it is worth it if you live in your RV full-time.

Give Us A Call

Now that you know the different types of RV insurance coverage available, you can start shopping around for the right policy for you. Make sure to compare rates and coverage levels before making a decision. We at Travers Insurance in Webster Groves, MO offer excellent RV insurance rates and coverage levels. Contact us today for a free quote.

What Motorcycle Insurance Protects With First-Time Drivers

Posted on June 30, 2022June 30, 2022 by admin

Buying your first motorcycle and learning how to ride is always a unique and exciting experience. However, we at Travers Insurance can help Webster Groves, MO residents understand their different insurance policy options and ensure that they are protected for their first drive.

What Your Policy Provides

Typically, motorcycle insurance includes a few different policy options: bodily injury and property damage liability. These are important for first-time drivers because you might end up getting in a crash during your early learning period and hurting other people.

These policies protect you in lawsuits by covering things like medical payments and replacing a person’s vehicle. However, there are other additional coverage options you may want to add to your policy. As a first-time driver, you may want to seriously consider:

Medical payments for any injuries you might experience
Collision and comprehensive policies to repair your bike after accidents
Total loss coverage if your bike is totaled in an accident
Personal belongings coverage to protect your personal gear
Motorcycle repair, roadside assistance, and towing options
Loss of income coverage to protect you during medical care

Each of these different add-on options will increase your premiums a little. However, it is often worth it if you’re learning how to drive a motorcycle and want to be protected. There’s no shame in spending a little extra money to ensure you don’t end up losing cash after an accident or incident.

Finding a Great Policy

As you can see, motorcycle insurance for first-time riders is an important investment that can keep you safe from many different concerns. Please contact us at Travers Insurance if you live in or near Webster Groves, MO and want to get the policy that makes the most sense for your needs as a person.

Is Boat Insurance a Worthwhile Investment?

Posted on May 25, 2022May 25, 2022 by admin

If you like enjoying your boat in the water, you might wonder whether you need boat insurance. After all, it isn’t a legal requirement in Missouri unless your boat is financed by a lending institution. Like car insurance, boat insurance is a must-have investment if you want to protect your prized asset in Webster Groves, MO. While boat insurance doesn’t come free, it’s often worth the price you pay.

Hereis why investing in boat insurance from Travers Insurance is a good idea.

Is Boat Insurance a Worthwhile Investment?

Protects your boat

Depending on the size of your boat, it can cost thousands of dollars. You can’t take chances with something expensive like your boat. Purchase boat insurance to ensure you are compensated if your boat is damaged or stolen. While boat insurance doesn’t prevent perils, it lessens your financial burden when perils strike.

Covers you against liability claims

While boating in the water is supposed to be fun, mishaps can happen while in the water. You may be at fault for an accident, which may cause bodily injury and property damage to others. Since these liability claims can be expensive, especially when sued, invest in boat insurance to cover such risks.

Provides medical assistance

While boat accidents are rare, they may result in injuries when they happen. Boat insurance covers medical costs for your and other occupants when involved in a boating accident.

It gives you peace of mind

If you want to have the best time on the water, investing in boat insurance is never a bad idea. Boat insurance calms your nerves, knowing that you, your passengers, and your vessel are covered when bad things happen.

Protect your boat today with watercraft insurance

Convinced that boat insurance is worth every dime? Please don’t hesitate to get in touch with Travers Insurance in Webster Groves, MO for all your boat insurance needs.

Debunking 5 Common Flood Insurance Myths

Posted on April 29, 2022May 11, 2022 by admin

It’s no secret that flood insurance is a vital part of protecting your home and property from the devastating effects of a natural disaster. But despite its importance, there are many myths and misconceptions about flood insurance that can lead people to make uninformed decisions about whether or not to purchase coverage. Travers Insurance in Webster Groves, MO seeks to debunk five of the most common myths about flood insurance.

5 Common Flood Insurance Myths

Myth #1: Flood Insurance Is Expensive

One of the most common myths about flood insurance is that it is too expensive to be worth purchasing. The truth is flood insurance can save you thousands of dollars in the event of a flood. The average cost of flood insurance per year is a small price to pay for the peace of mind that comes with knowing you and your property are protected.

Myth #2: My Home Is Not in A Flood Zone, So I Don’t Need Flood Insurance

Another common myth about flood insurance is that it is only necessary if your home is located in a designated flood zone. The truth is that floods can occur anywhere, and even homes outside of flood zones are at risk.

Myth #3: My Homeowners Insurance Covers Flooding

Many people believe that their homeowner’s insurance will cover damages caused by a flood. However, most standard homeowners policies exclude flood damage. That means if a flood damages your home, you will likely have to pay out of pocket to repair the damages.

Myth #4: The Government Will Help Me If A Flood damages my Home

While the government does provide some financial assistance to homeowners who suffer flood damage, this assistance is typically only available for major disasters and is often not enough to cover the full cost of repairs.

Myth #5: I Don’t Need to Worry About Flooding If I Live in An Area That Has Never Flooded Before

Just because your area has never experienced a flood does not mean it is not at risk. Flooding can occur anywhere, and even areas that have never flooded before can be at risk for future floods.

Need Flood Insurance in Webster Groves, MO?

Now that you know the truth about flood insurance, it’s important to take action and get covered. Travers Insurance is here to help you find the best policy for your needs and budget. Contact us today to get started!

Insurance Blog

Travers Insurance

Get a Quote, Instantly!

Motorcycle Insurance Protection

Reach Out Today

Condo Insurance: What You Need To Know

Travers Insurance Wants to Help

What is life insurance?

Get Life Insurance Today Outside Of Your Job

Give Us A Call

Upgrade your auto insurance if you buy a new car

We are here to help

There are various situations when a business here will need to have a commercial insurance plan:

Businesses Raising Capital

Businesses Looking for Coverage

Get Commercial Insurance Today

It Covers your Belongings when Travelling

Liability Coverage is Included

It’s an Affordable Policy

RV Insurance Coverage: What You Need To Know

1. Liability Insurance

2. Collision and Comprehensive Insurance

3. Full-Timer Coverage

Give Us A Call

What Your Policy Provides

Finding a Great Policy

Is Boat Insurance a Worthwhile Investment?

Protects your boat

Covers you against liability claims

Provides medical assistance

It gives you peace of mind

Protect your boat today with watercraft insurance

5 Common Flood Insurance Myths

Myth #1: Flood Insurance Is Expensive

Myth #2: My Home Is Not in A Flood Zone, So I Don’t Need Flood Insurance

Myth #3: My Homeowners Insurance Covers Flooding

Myth #4: The Government Will Help Me If A Flood damages my Home

Myth #5: I Don’t Need to Worry About Flooding If I Live in An Area That Has Never Flooded Before

Need Flood Insurance in Webster Groves, MO?

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