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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.

Posted in RV InsuranceTagged Travers Insurance, Webster Groves MO

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.

Posted in Motorcycle InsuranceTagged Travers Insurance Webster Groves MO

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.

 

Posted in Boat/Watercraft InsuranceTagged Travers Insurance, Webster Groves MO

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!

 

Posted in Flood InsuranceTagged Travers Insurance, Webster Groves MO

The main benefits of umbrella insurance for your company

Posted on March 31, 2022April 14, 2022 by admin

Travers Insurance understands how hard business owners in the greater Webster Groves, MO area work to sustain and grow their companies. We want to help our local business community members protect their hard work and dedication.

Umbrella insurance benefits.

The benefits of umbrella insurance are manifold. The main benefit, of course, is that it slots into place when your primary insurance policy coverage is exhausted. Don’t be caught unaware of your property insurance policy limits. With an umbrella insurance policy in place, your business can be protected, even if you suffer a substantial loss.

Covered event damages can exceed your policy limits. And, once your primary commercial or property insurance policy has been exhausted, it may fall upon the company or its principal to pick up any remaining liability.

If you don’t want to be held responsible for your firm’s financial obligations, it is worth looking into umbrella insurance. Understanding the many available insurance options becomes much easier with a local insurance partner at your side. There is no reason to go it alone to secure the insurance protection your company needs.

Find out more about how umbrella insurance can provide your company with its protection. There’s no reason to wait until your primary policy has been exhausted to learn more about supplemental coverage. 

Find out more about umbrella insurance today!

Here at Travers Insurance, our team aims to serve the business community of the greater Webster Groves, MO area. Call us today if you would like to know more about how umbrella insurance can help protect your business.

Posted in Umbrella InsuranceTagged Travers Insurance, Webster Groves MO

Who is responsible for damage to your condo unit?

Posted on February 15, 2022February 3, 2022 by admin

Owning a condo in the Webster Groves, MO community is a great way to create a home with less maintenance and stress. However, if there is an incident at your condo unit, Travers Insurance is here to protect you.

Understanding condo damages and protection

When you own a condo you probably enjoy a less stressful lifestyle than homeowners. Even with this lower level of maintenance, it’s important to know what your responsibilities are in the event of damage.

Your condo board will carry insurance that covers the building structure and all of the common areas. You will be responsible for any damage that occurs in your unit. 

It is important to review your condo regulations and familiarize yourself with your responsibilities. In many buildings, you are responsible for any damage that occurs in your unit, even if you did not cause the damage.

For example, if your neighbor has a flood in their unit that leaks into your unit and causes damage, you may be responsible. Double-check your condo rules to see if you are responsible for all damage that affects your unit. There may be extenuating circumstances in some situations, but it’s key to learn what your responsibilities are.

Don’t be caught off-guard! Now is also a great time to review your current policy for completeness. Having an appropriate policy with adequate coverage levels can make dealing with any damage-causing situation much less stressful. Don’t wait until it’s too late and find out after an event that your condo insurance policy does not provide the protection you need.

Give us a call today!

If you would like to find out more about the condo unit policy options available in the Webster Groves, MO area, give Travers Insurance a call today.

Posted in Condo InsuranceTagged Travers Insurance, Webster Groves MO

What Are The Most Common Myths About Life Insurance?

Posted on January 24, 2022February 3, 2022 by admin

Life insurance is one of the most undervalued types of insurance, and many people prefer not to buy it. However, life insurance is worth it, especially if you have beloved ones who depend on you financially. There are many myths about life insurance, and here is a list of the most popular ones that should be debunked: 

Myth 1: Life Insurance Is Not For Young People

Many people do not purchase life insurance until they have financial dependents, such as spouses and children. For this reason, young people believe they do not need this type of insurance at all. However, the truth is that it is better to consider life insurance once you reach adulthood because it is cheaper when you are young. 

Myth 2: Life Insurance Is Too Expensive

The truth is that life insurance is one of the cheapest types of insurance, and it is very affordable. The cost of life insurance also depends on certain factors, including your age, lifestyle, profession, type of insurance (whole life insurance or temporary), and some others. 

Myth 3: You Cannot Get Life Insurance If You Have Health Issues

In fact, there are some policies built specifically for people with certain health conditions, including cancer and diabetes. It is recommended to consult an insurance agent to make sure you are applying for the right life insurance policy that provides you with the right coverage. 

Travers Insurance In Webster Groves, MO – Your  Trustworthy Insurance Provider In Missouri

If you live in Webster Groves, MO or any other surrounding town in Missouri, and you are shopping for life insurance, you should contact Travers Insurance. Our company specializes in all types of insurance, including life insurance as well. Our insurance agents will help you find a good policy based on your personal needs, health issues, and life circumstances. Feel free to give us a call if you have any questions or want to know more about the insurance options. 

Posted in Life InsuranceTagged Travers Insurance, Webster Groves MO

What does my Webster Groves, MO condo insurance cover?

Posted on December 13, 2021December 9, 2021 by admin

Condo insurance seems like a luxury. In reality, it’s a necessity.

While an association has its own plan, these policies are often limited. Travers Insurance wants to ensure you’re prepared. Located in Webster Groves, MO, the agency shares four types of coverage found in most condo insurance policies.

Building property protection

An owner’s policy covers only the structure of the building itself. Condo insurance fills in the gap, protecting the inside of the unit. This insures flooring, cabinets, walls, and other permanent fixtures. If any of these is destroyed, damaged, or stolen, condo insurance will pay for replacements up to the policy limit. Consult your association agreement to determine what areas may be deemed your responsibility.

Personal possessions coverage

Fortunately, your belongings are safe too. Like other items inside your dwelling, condo insurance will chip in to help cover any loss or damage. Every policy will identify protected events, like water or fire damage. Theft and vandalism are also usually listed.

Personal liability insurance

Most all insurance policies include liability protection. If someone is injured while inside your residence, this coverage is necessary. It reimburses any expenses incurred as a result of the incident, such as medical bills. Liability also pays for related legal costs if you are sued.

Loss of use coverage

While it seems unlikely, accidents do happen. If your condo becomes uninhabitable after a natural disaster or other extreme incident, loss of use is important. Sometimes referred to as "additional living expense coverage," this provides payments for additional costs associated with temporary relocation.

Contact agent serving Webster Groves, MO

If you rent or own a condo, Travers Insurance can help. Their trusted agents can create an individualized policy to protect you and your home. Call to set up an appointment today.

Posted in Condo InsuranceTagged Travers Insurance, Webster Groves MO

When should you review your life insurance?

Posted on November 29, 2021December 9, 2021 by admin

The life insurance that is right for you when you are 25 is probably not the life insurance that is right when you are 45 or 65. From time to time during your life, it is important to look at the type and amount of coverage you have. At Travers Insurance in Webster Groves, MO, we have 70 years of experience that we are happy to share with our customers. 

Your employment changes

You may have a life insurance policy with your employer. If you decide to move on or you get laid off, what will become of that policy? Will you be able to keep it and take it with you? If you don’t know, you are not alone. Do you really want to let your employer control any of your life insurance decisions? Employer life policies are a nice bonus, but you need to have your own insurance that you control. 

You get married

When you get married, you should take a look at your life insurance and perhaps change the beneficiary. You also need to consider whether your partner needs any support from you to survive. A working spouse can probably manage on their own, but if you have a mortgage, it might be too much to support on only one salary. 

You have children

Children change everything. They are a long-term investment. You need to consider how they will be supported if you are not there to provide that support. Do you want to make sure the money is there for them to attend college? How young are your children?  Experts say having between 7 and 10 years of income in life insurance is the best figure, but that may not be enough or too much for you. 

Contact Travers Insurance in Webster Groves, MO when you are ready to review your life insurance. 

Posted in Life InsuranceTagged Travers Insurance, Webster Groves MO

State minimum auto insurance requirements for Webster Groves, MO

Posted on October 15, 2021October 11, 2021 by admin

What kind of auto insurance does one need to carry when traveling through Webster Groves, MO? The answer there lies in the state minimum requirements as setting up by the state of Missouri. Luckily, those are posted and readily available for all to see. The state of Missouri requires a minimum of $25,000 of coverage per person in the vehicle, $50,000 per accident, and $25,000 for physical damage to the other vehicle. Those are just the minimums, and one may choose to purchase additional coverage in the Webster Groves, MO area if they choose. 

Travers Insurance focuses on helping people get their hands on the policies they need to keep themselves safe and legal out on the road. They have looked at the minimum requirements for the state of Missouri, and they understand how to create an auto insurance policy that meets those minimum requirements. Basically, they are all about helping people to get the coverage that they need without spending a penny more than what is absolutely necessary to do so. It is all about getting the right policies in the right hands, and Travers Insurance has managed to do that very well through its innovative creation of a variety of insurance types. 

People in Webster Groves don’t want to worry about getting hurt or hurting someone else in the course of just going about their day-to-day business. Most people assume that they will never be in this position. However, we know for a fact that some people will be involved in accidents at some point, and that is why we just can’t assume that everything will just work out okay. We have to prepare ourselves for the reality that we need protection in case our number is called, and we are the ones who end up having to pay for an auto accident. 

Posted in Auto InsuranceTagged Travers Insurance, Webster Groves MO

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