frequently asked questions
If you have other questions that are not listed in the FAQs below, or would like more information, you can ask Aleena by clicking on Aleena FAQs below or contact our local agents here at Naeger Family Insurance. We’re happy to help !
Looking for answers about home, auto, or renters insurance in the St. Louis area? Below you’ll find helpful information on common coverage questions, including storm and hail protection, bundling discounts, and what renters need to know.
1. Does homeowners insurance cover hail and wind damage in Missouri ?
Yes. Most homeowners insurance policies in Missouri cover damage from hail and wind, including roof damage, siding, and other exterior damage. Coverage details and deductibles can vary by company, and some policies have separate wind/hail deductibles. It’s important to review your specific policy or have a local agent at Naeger Family Insurance check it for you.
2. What should St. Louis homeowners know about storm and hail coverage ?
St. Louis and Eastern Missouri experience frequent hail and severe storms. Standard homeowners policies usually cover this type of damage, but claim handling, roof depreciation rules, and deductibles differ significantly among insurance companies and policies. Working with a local independent agency like Naeger Family Insurance helps you get the appropriate coverage and support when storms hit.
3. Does a standard homeowners policy cover flood damage ?
No. Standard homeowners insurance policies do not cover flooding. Flood insurance is a separate policy, usually available through the National Flood Insurance Program or private insurers. Even if you are not in a high-risk flood zone, heavy rain and flash flooding can still cause damage in the St. Louis area. Check to see if you are near a creek or other body of water that may overflow and potentially cause damage to your home. Many flood losses occur in areas that are not higher risk flood zones like A, E, and AE.
4. What is the difference between replacement cost and actual cash value ?
Generally speaking, replacement cost coverage pays to repair or replace damaged property with new items of similar kind and quality. Actual cash value pays only the depreciated value of the item. Most homeowners prefer replacement cost coverage for their personal belongings and, when available, for the dwelling itself.
5. How can I lower my homeowners insurance premium without losing important coverage ?
Common ways include raising your deductible, bundling home and auto policies, maintaining a good claims history, and making sure you receive all available credits. The age of the roof can have a significant impact on the premium you pay for your homeowners policy. A local independent agent at Naeger Family Insurance can compare multiple companies to find better value rather than simply reducing coverage.
6. What auto insurance coverage is required in Missouri ?
Missouri requires drivers to carry liability insurance with minimum limits of 25/50/25. This means $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. Many drivers choose higher limits and add comprehensive and collision coverage for better protection.
7. Does bundling home and auto insurance usually save money ?
Yes. Most insurance companies offer multi-policy discounts when you bundle home and auto (or renters and auto). In addition to the discounts, bundling often makes claims and customer service simpler because you work with one agent here at Naeger Family Insurance.
8. Will my auto insurance rates go up if I file a comprehensive claim ?
Not always. Comprehensive claims (such as hail, theft, animal damage, or falling objects) are treated differently than at-fault accident claims by many companies. Some insurers are more forgiving of comprehensive claims than others. Your local Naeger family Insurance agent can help you understand how a potential claim may affect your policy before you decide whether or not to make that claim.
9. Do I need renters insurance if my landlord has insurance ?
Yes. Your landlord’s policy covers the building, not your personal belongings or your personal liability. Renters insurance helps protect your furniture, electronics, clothing, and other belongings, and it also can provide liability coverage if someone is injured in your rented home.
10. Does renters insurance cover my belongings when I’m away from home ?
Renters insurance policies can include some off-premises coverage for your personal property. This can protect items stolen from your car, damaged while traveling, or taken from somewhere away from your residence, subject to policy limits and conditions.
11. How much renters insurance do I typically need ?
A good starting point is to estimate the cost to replace all of your personal belongings. Many renters choose coverage between $20,000 and $50,000, but the right amount depends on what you own. One of our local agents at Naeger Family Insurance can help you create a simple inventory to help keep you from being underinsured.
12. Can I get a home and auto insurance quote online from a local St. Louis agency ?
Yes. Naeger Family Insurance, a local independent insurance agency in the St. Louis area, offers online quoting tools with a chat option that lets you start the process quickly. Once you complete the online chat with Aleena, one of our agents will review the quotes for coverage and accuracy, then send you customized quotes within 1 to 2 business days. Your agent can help you go through the quotes to help make sure that you are properly covered at the best price. To start, you can click here: https://naegerfamilyinsurance.com/aleena3
13. What is the advantage of using an independent insurance agency instead of a direct writer ?
Independent agencies work with multiple insurance companies, so we can compare coverage and pricing options for you. Direct writers usually only offer their own products. As an independent agency, Naeger Family Insurance can help you find the company that best fits your needs and budget and we can review your policies at renewal to help you determine if another option would be best for you.
14. How quickly can I switch my home or auto insurance ?
In most cases, new coverage can be put in place within 24 to 48 hours, and sometimes the same day. Naeger Family Insurance can help coordinate the start date of your new policy with the cancellation of your old one so you don’t have a gap in coverage. Usually, there is a discount for shopping ahead of time, so, in most cases, the earlier we can get started on your quotes, the lower the premium will be.
15. What should I do after a hailstorm or severe weather damages my home or car ?
First, make sure everyone is safe. Then document the damage with photos, prevent further damage if possible (for example, tarping a roof), and contact your insurance agent promptly. Our local agents here at Naeger Family Insurance can help assist you through the claims process and help you understand your coverage.
This is general information only and is not a personalized recommendation. For advice specific to your situation, please speak with a licensed agent at Naeger Family Insurance.