INSURANCE BLOG

If you have earthquake insurance or are thinking of purchasing it, it’s essential to understand how this specialized insurance functions, including the deductible. Here’s what you need to know from the pros at Lang Insurance, independent agents serving the state of Missouri. — Who Needs Earthquake…

Most insurance policyholders are confident their Missouri home and auto insurance will cover them no matter what. But they may not be aware they have gaps in their coverage that could leave them vulnerable to legal and financial risk. In today’s rapidly changing world, there are a couple of ways…

The July-August 2020 edition of CDS Review, a publication of the Chicago Dental Society, features an article by Mike Terrell, national program director for Cincinnati’s dentist, veterinarian and optometrist programs. His article describes the differences between occurrence and claims-made insurance…

If you’re feeling like your home and auto insurance policies are costing more than they should, we have good news! There are loads of ways to save on your insurance when you know how. Here are seven pro tips to get you started. — Consider Bundling Your Policies — When you have multiple types of…

Are you confused about replacement cost versus market value when it comes to a home insurance policy? Not to worry — we explain what they mean and review the advantages and disadvantages of each, so you can choose the home insurance coverage that’s best for your needs. — What Is Replacement Cost? —…

If you’ve had damage to your Missouri home, you may be wondering if you should file an insurance claim. The answer isn’t a clear-cut “yes” or “no.” Read on to learn more about when it’s best to file a claim and when it’s better to take care of the problem on your own. — When You Should Cover the…

Water damage from sewer backups and burst pipes makes up a large portion of home insurance claims in Missouri every year. These claims are particularly costly to insurance companies and property owners because of the extent of damage. However, you can use loss mitigation strategies to reduce your…

Severe weather events are increasing in frequency across the country, especially in Midwestern states like Missouri. You or someone you know has probably experienced a major storm, flood, or fire recently. — Unfortunately, extreme weather may affect your home insurance rates. Here’s what you should…

If you’ve been putting off getting home and auto insurance because you’re not sure what’s needed, we explain it all here for you. Read on to see our most frequently asked questions about preparing to get a quote. — What does my insurance agent need to give me a home insurance quote? — Our…