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Watchdog Insurance Group

423 Woodlawn Ave
O'Fallon, MO 63366

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Home Insurance FAQs

Buying home insurance from Watchdog Insurance Group is a safety net for your Cottleville, MO home. Home insurance, also known as homeowners insurance, protects you and your home from various perils.

Is home insurance mandatory?

Home insurance isn’t mandatory in Missouri. However, if your home is mortgage-financed, your lender may require you to purchase home insurance until you pay off the loan facility.

What does home insurance cover?

Home insurance protects you and your home against several perils. Below are common coverages provided by home insurance:

  • Liability protection: Home insurance pays for bodily injury and property damages for losses caused to other people. For instance, if someone slips and injures their neck in your swimming pool, home insurance pays for the emanating medical expenses.
  • Home structure coverage: Home insurance protects your home structure and other structures within your property against perils like theft, vandalism, fire, windstorm, and so forth.
  • Personal property coverage: This protects your assets like clothing, electronics, and furniture against damage or loss.
  • Additional living expenses (ALE) coverage: If your home becomes uninhabitable, home insurance could pay for bills above your average living expenses.

What determines my home insurance cost?

The value of your home and the coverage options you choose will impact your home insurance rate. Other factors include:

  • The crime rate in your location
  • Claim history
  • Credit history
  • Home-based business
  • Replacement cost and deductibles
  • Amenities like swimming pool
  • Proximity to a water body 

What isn’t covered by home insurance?

While home insurance protects against various perils, it won’t save the day in the following instances:

  • Flood and earthquake damage
  • Regular wear and tear
  • Structure damage by pests and mold

Your home insurance also provides limited coverage to high-value items like jewelry, fur, and silverware. As such, speak to your agent to buy extra protection. 

Do you need home insurance for your Cottleville, MO home? Please contact Watchdog Insurance Group for a personalized and affordable quote.

Commercial insurance FAQs

Whether you have 5 employees or 5,000, commercial insurance provides needed protection to your business. Owning a business comes with risks. Doing a risk assessment will give you the information you need to see where your vulnerabilities are and what type of commercial insurance can offer the protection you need. At Watchdog Insurance Group in Cottleville, MO, customer service is key. We strive to create a lasting relationship with our customers and offer them the many choices available to an independent agency.

Do I need to have commercial insurance in Missouri? 

The only commercial insurance mandatory in the state of Missouri is workers’ compensation. If your business has 5 or more employees, either full-time or part-time, you must cover them with workers’ compensation. The construction industry is an exception; you must have workers’ compensation if you have one or more employees.

While commercial auto insurance is not required, auto insurance is, and it is recommended if your business owns any vehicles. They are covered with commercial auto insurance. 

What is a Business Owners Policy (BOP)?

Two of the most common lines of commercial insurance are commercial property insurance and commercial liability insurance. In a business owner’s policy, these two lines are combined into one policy. The benefit is the rate will usually be better than if they are purchased separately.  

Do I need commercial insurance for a home business?

Having a business based in your home is a popular option. You already have home insurance, and you may believe the protection will extend to your business. It may offer limited protection of a home office but not enough to replace everything, including inventory and electronics. Your home insurance liability will likely not cover business-related injuries that occur or a business-related lawsuit. It could be a very costly mistake to rely on home insurance to protect your business. 

Contact Watchdog Insurance Group in Cottleville, MO, for your commercial insurance needs.

Who Can Benefit from Umbrella Insurance?

If you own a home, car, or boat in Cottleville, MO, chances are you have liability insurance coverage to protect you against accidents for which you’re found at fault. But what if the damages of an accident exceed the limits of your home, auto, or boat coverage? That’s where umbrella insurance comes in. Umbrella coverage from Watchdog Insurance Group provides extra liability protection to cover the costs of injuries or property damage beyond the limits of your current policies.   

Who Can Benefit from Umbrella Coverage?

Umbrella insurance can benefit anyone who wants or needs extra liability protection against the unexpected. Here are a few reasons to consider umbrella coverage.

You Have Significant Financial Assets

The more assets you have, the greater your chances of being sued for damages if you’re held responsible for a home, auto, or watercraft accident. Umbrella insurance kicks in when the liability limits of your other policies have been exhausted, so you don’t have to pay for extra expenses out of pocket.

Your Property Poses Greater Risk of Accidents

If your Cottleville, MO home has a pool, trampoline, or other feature that poses a greater risk of accidents, you could be a candidate for umbrella coverage. Even a dog poses a risk of someone getting bitten and suing you for damages. Umbrella insurance acts as a “safety net” to protect you from serious liability claims that can exceed your home policy’s limits.  

Your Job or Lifestyle Puts You at Risk of Lawsuit   

If your profession or lifestyle puts others at risk of injury, you’re more prone to being sued for damages. Some examples are landlords, sports coaches, and people who travel extensively. Umbrella insurance can give you peace of mind that you’re protected against unforeseen events that can cost you financially.  

To purchase your umbrella policy, call or visit us at Watchdog Insurance Group.

When should you review your life insurance coverage

Life insurance is such a personal thing. You buy it with your loved ones in mind. It isn’t a buy one and be done kind of product. It will ebb and flow as your life changes and should be reviewed when your life situation evolves. Watchdog Insurance Group in Cottleville, MO is a locally owned independent insurance agency, which means we have a good selection of carriers and insurance products.

When you get a benefits package

When most people get their first full-time job, it comes with a benefits package. In that package may be a life insurance policy. You may be able to decide the amount. Before you throw all your insurance eggs in that basket, ask yourself how long you plan to stay with this employer. If this is just a stepping stone in your career, you need to talk to HR about what happens to the policy when you move on. Can you take it over? Is it a good value for money? 

When you buy a home

One reason for purchasing life insurance is to make sure you don’t leave debts for your family to pay if you pass away. A mortgage is a significant debt, and you should have enough life insurance to pay it off. 

When you get married 

When you get married, you will need to talk to your insurance professional about changing your beneficiary on your policy and adding your spouse to other policies you may have. This is a perfect opportunity to discuss the amount of insurance you have and if it is enough. 

When you grow your family

This is probably the most important time to review your coverage. Having children changes everything, and making sure they are provided for takes much more life insurance. 

Contact Watchdog Insurance Group in Cottleville, MO with any questions you have about life insurance. 

How much auto insurance do I need in Missouri

In the state of Missouri, having auto insurance is not optional. It is required by law. Unfortunately, not all drivers are responsible. Every year many accidents are caused by drivers who either don’t have insurance or have inadequate insurance. Auto insurance is one area where you need to look out for yourself. Make sure that no matter what the situation and who is involved, you are protected. At Watchdog Insurance Group in Cottleville, MO, we take your insurance coverage seriously. Our ultimate goal is to make sure the right insurance covers you. 

The auto insurance mandated by the state is liability coverage. It protects other people from you in an accident. The amount you are required to have is 25/50/10. For injuries, you must have $25,000 for a single person and $50,000 for an accident. The 10 is $10,000 in property damage. You also must carry uninsured motorist coverage of 25/50. This is minimum coverage. If you are a homeowner and have assets, this isn’t going to protect you. It would be best if you had much higher liability limits and probably umbrella insurance as well. 

Is a vehicle a basic necessity for you? It is for most people. How would you get to work or the grocery store without one? If you have a car loan or lease, you will need to carry collision and comprehensive auto insurance. These two coverages protect your vehicle from a bunch of hazards, including accidents, thefts, windstorms, hail, and vandalism. Glass coverage is something everyone can appreciate. If you have a vehicle of any value, you need to have these insurance types to feel safe. 

Contact Watchdog Insurance Group in Cottleville, MO for any questions about how much auto insurance you need in Missouri. We are independent agents who work for our clients, not one particular insurance company.

How can a Missouri commercial insurance policy protect me?

When you are in the St. Charles County, MO area, you may find that the local area offers many advantages to small business owners. This can be a great place to grow and develop a company between a good population base and local business support. If you are going to start a company here, it is vital that you get a proper commercial insurance policy. A full Missouri commercial insurance policy can protect a company in a variety of ways. 

Protects Business Assets

One way that your insurance policy can protect your business is by providing you with coverage for your business assets. Any company will need to purchase assets for their company, including equipment, furniture, inventory, or any other items. When you get commercial insurance, you will receive the coverage and protection that you need for these assets to ensure you are reimbursed if the assets are stolen or damaged.

Gives Liability Coverage

Another way this insurance can protect you is by providing you with liability insurance. Any company today is going to take on liability risk frequently. If you are at fault for an accident, you will need to pay for damages, which can be expensive. When you get liability coverage, you will receive coverage to offset this risk. 

As you are shopping for a commercial insurance policy in the St. Charles County, MO area, you should reach out to the team at the Watchdog Insurance Group. When you speak with the Watchdog Insurance Group team, you will learn a lot more about all of the benefits that come with commercial insurance. The team here can also help you choose a policy that protects you and your organization the right way.

How can a Missouri commercial insurance policy protect me?

When you are in the St. Charles County, MO area, you may find that the local area offers many advantages to small business owners. This can be a great place to grow and develop a company between a good population base and local business support. If you are going to start a company here, it is vital that you get a proper commercial insurance policy. A full Missouri commercial insurance policy can protect a company in a variety of ways. 

Protects Business Assets

One way that your insurance policy can protect your business is by providing you with coverage for your business assets. Any company will need to purchase assets for their company, including equipment, furniture, inventory, or any other items. When you get commercial insurance, you will receive the coverage and protection that you need for these assets to ensure you are reimbursed if the assets are stolen or damaged.

Gives Liability Coverage

Another way this insurance can protect you is by providing you with liability insurance. Any company today is going to take on liability risk frequently. If you are at fault for an accident, you will need to pay for damages, which can be expensive. When you get liability coverage, you will receive coverage to offset this risk. 

As you are shopping for a commercial insurance policy in the St. Charles County, MO area, you should reach out to the team at the Watchdog Insurance Group. When you speak with the Watchdog Insurance Group team, you will learn a lot more about all of the benefits that come with commercial insurance. The team here can also help you choose a policy that protects you and your organization the right way.

What Homeowner’s Need to Know About Home Insurance

They say that home is where the heart is, and for this reason, your home should feel like one of your most important investments. Not only will your house be a huge financial investment, but it is also the place where your family calls home. You want to protect this investment in the best way possible. At Watchdog Insurance Group, serving St. Charles County, MO, we take your insurance education very seriously. Keep reading to find out what you need to know about homeowner’s insurance. 

Why is Home Insurance Important?

You have invested a lot of time and money into your home. For this reason, you need a means of protecting that investment. Home insurance is an insurance product that will help you protect the financial investment and make it possible for you to protect the sense of security that your home provides. You always want to feel that you can provide a secure home for your family. Home insurance makes this possible.

What Does Home Insurance Cover?

Home insurance policies can be customized to meet each family’s unique needs, but in general, home insurance will cover the following three areas. 

  • Property Damage – Property damage is usually one of the most well-understood aspects of home insurance. If your home is damaged or lost because of fire, a natural disaster, or even because of a burglary, your home insurance policy will kick in to help pay for expenses. 
  • Liability – Liability coverage is a crucial aspect of home insurance. Suppose someone is injured while on your property or in your home, there could be large expenses associated with this type of incident. These expenses could include medical bills as well as legal fees. Liability insurance will help pay for these expenses so that you are not left financially vulnerable. 

If you would like to learn more about home insurance, please contact our staff at Watchdog Insurance Group, serving St. Charles County, MO. 

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