If you live in the Saint Charles, MO area, you live in a known flood plain. Most of the city is located in close proximity to the Missouri River, which puts all of St. Charles in a high-risk flood area. Nieroda Insurance Agency reminds you that you can never be too cautious when it comes to preparation. Expect the best, but always plan for the worst by protection your financial condition so you can rebuild in the event of a disaster.

Estimating Potential Damage

With a large body of water located so close to the town, how do you estimate the approximate damage that a flood can do? You can only estimate! Towns have been washed away in hours from what seemed to be a moderate flood because of broken levees, creeks that merged with rivers, increasing the amount of saturation and current, and other factors. 

As a rule of thumb, the average cost to clean up flooding within only a 200 square foot area of space is equal to about $3700. And 200 feet is only the beginning in a large flood.

Damage that can occur includes:

• Water retention in buildings and out buildings
• Furniture damage from hours of water contact
• Electronics ruined or badly damages
• Plumbing contamination and unsafe drinking water (compromised system)
• Damaged underfloor fixtures and walls
• Paint damage, wood destroyed and weakened by flooding

And these are just a few examples!

What to Do if you Live in a Flood Area

It’s scary when you think about what can happen in a flood plain. Without much warning, disaster can strike. Sometimes the water is even powerful enough to wash entire homes or cars away.

The only thing you can do is to make sure you are ready if the unthinkable does happen. If you live in the Saint Charles, MO area, call on Nieroda Insurance Agency for all of your flood insurance needs. Using accurate, up-to-date statistics, they can estimate what the worst-case scenario would be and offer you sound protection from floods. So you can move on with your life if your home or property is damaged.

The Saint Charles, MO area has continued to be a popular place for people to move to. As you are looking to move to this community, getting a condo can be a top housing option. With a condo, you will get plenty of ownership benefits without the same responsibility. Along with your condo, you also need to get the right insurance. A condo insurance plan is a good investment for a few reasons. 

Protection for Assets

An important reason for anyone to get an insurance plan for their condo is so they can protect their asset. Your condo purchase may be one of the most significant of your life. To ensure that this investment pays off in the long run, you need to have proper insurance. A condo insurance plan will give appropriate coverage if it is damaged and needs significant repairs. 

Liability Risk Mitigation

You should also get condo coverage as it offers great liability insurance protection. Condo owners have a variety of liability risks. As your condo is located near other units in the same property, there is always a chance a leak or small fire could cause damage to other owner’s property. Further, you are responsible if a guest is injured while in your home. A condo insurance plan will give coverage to mitigate your liability risk. 

As you are evaluating your condo insurance needs in the Saint Charles, MO area, it would always be helpful to get support from someone that you can trust. When looking for your next plan, calling the Nieroda Insurance Agency to discuss your insurance needs would be beneficial. Nieroda Insurance Agency can help you by giving the guidance and support that is needed to pick a new plan and ensure it provides the right coverage for your situation. 

Warehouse insurance is necessary if you are a third party that stores goods in a warehouse. The business is known as a bailee. This means they are entrusted with another’s property, and liable for physical damage to property in some circumstances. At Nieroda Insurance Agency in Saint Charles, MO, we offer warehouse insurance. 

Business Insurance

There are several types of insurance warehouses should have. First, the owner should have general liability and property insurance. This covers the building and owner’s property, including business equipment. General liability provides coverage if a nonemployee is injured on the property and damage to other’s property. 

Warehouse Insurance

Since the focus of a warehouse’s operation is storing goods for a third party, specialized insurance is needed to cover these goods. Warehouse insurance is also known as "warehousemen’s legal liability insurance" or "warehouse operators legal liability insurance,"

If the third party’s goods get damaged as a result of improper maintenance or negligence by the warehouse owner or employee, warehouse insurance will cover the damage. Most policies don’t cover damage due to natural causes including flood and fires, although these events may be covered by property and liability insurance.

Improper handling and storage by employees is one example of gross negligence. If an employee is moving goods with a forklift, and the box slips off and falls to the ground, this would be improper handling and storage. If the items are temperature sensitive and climate control isn’t maintained, this would also be negligence. A fire caused by negligence, including an employee smoking in an unapproved area, would also be considered negligence. 

Nieroda Insurance Agency Warehouse Insurance

If you need warehouse insurance in Saint Charles, MO, contact us at Nieroda Insurance Agency. We will work with you to determine the best policy to fit your needs. 

Ask anyone about life insurance, and they will give you answers relating to dependents. But is life insurance all about dependents? Do people living without spouses or children need life insurance? Nieroda Insurance Agency of Saint Charles, MO, is here to explore why you may need life insurance even if you are single. 

To take care of your funeral expenses

Research shows that Americans don’t have enough savings to pay for their funeral expenses. Without life insurance, the funeral expenses burden is usually left with the loved ones. With the average cost of funerals costing about $8,000, this is a significant amount to let your dear ones handle when undergoing a difficult time mourning your demise. The good news is that when you have invested in life insurance, your loved ones can use the proceeds to finance your funeral expenses.

Your circumstances could change

There are chances you won’t remain single forever. At some point, you could marry, have children, or adopt kids. Either way, it’s actually to your advantage to purchase life insurance when you are young. Life insurance premiums may be cheaper when you buy life insurance at a young age, given that factors like age and health condition are considered when computing your premium. 

Even if you are not aspiring to have children or get married in the future, your aging parents or siblings could become your dependents, benefiting from your life insurance plan.

Your debts have cosigners

Some debts could be discharged when you die, while others can be covered by assets you leave behind. Unfortunately, if you have cosigned debts, your cosigners will remain on the hook for the outstanding debts when you die. However, when you purchase life insurance, the death benefit can be used to clear your debts. 

Buy life insurance today!

As you can see, you don’t only need life insurance if you have dependents — other circumstances in life necessitate you to purchase life insurance. If you are looking for life insurance in Saint Charles, MO, and its environs, you can’t go wrong with Nieroda Insurance Agency. Contact us today for an affordable quote. 

Business owners have a special responsibility to their selves, their employees, and their customers. You have invested a great amount of time and money into your company. If you want to protect this investment, the best place to start is through a solid commercial insurance plan. At Nieroda Insurance Agency Saint Charles, MO we know that in order for you to make the best insurance choices, you need the best insurance information available. This is why we make it a priority to provide our clients with great insurance info. Please keep reading to find out what you need to know about commercial insurance and how it can help to protect your business. 

What is Commercial Insurance?

Commercial insurance is a special type of insurance product which will help to protect the important investments of time and money which you have put into your company. Your company operates on my levels with many moving parts, and all of those parts need protection. We can provide you with one simple policy to cover everything that is important to you so that you can focus more of your time and energy on your business. 

What Does Commercial Insurance Cover?

Your commercial insurance policy can be customized to meet your specific needs, but in general, a commercial policy will cover the following areas:

Property Damage- This type of coverage will provide for repairs or replacement of equipment or facilities lost or damaged due to fire, natural disaster, or burglary. 

Auto Coverage- If you operate vehicles in your company we can provide you with the necessary insurance. 

Liability Coverage- If someone is injured at your facility or because of your goods or services, liability insurance will cover any medical bills or legal fees which could result. 

If you would like to learn more about our services, please contact Nieroda Insurance Agency, serving St. Charles, MO. 

At Nieroda Insurance Agency, we provide motorcycle insurance policies to riders in Saint Charles, MO. We can answer questions you have about motorcycle insurance coverage in Missouri. 

The following are three of the most important things to remember when you’re selecting a motorcycle insurance policy.

Purchasing both collision and comprehensive coverage offers the most complete coverage for your bike.

As a rider, one of your priorities is likely to be protecting your bike. If you want to make sure you protect your bike as much as possible, it’s best to invest in both collision coverage and comprehensive coverage.

When you invest in both of these types of coverage, you’ll be covered for damage from fire or theft in addition to accident damages. 

Investing in added liability coverage is a good idea.

It’s not a good idea to just buy the minimum liability coverage amount that’s required by law. If you invest in added liability coverage, you’ll have more security. You’ll be less likely to end up in an accident that costs more than your liability coverage limits. This protects you financially and gives you more peace of mind. 

Paying upfront is a good idea. 

For most motorcycle insurance policies, you’ll have the option of paying upfront or monthly. Paying upfront is the best idea if you have the money to do so. For one thing, you won’t have to worry about forgetting to make a payment if you pay upfront. Also, many providers will offer a discount to policyholders who pay their full premium upfront. 

Let us help you find motorcycle coverage to meet your needs in Saint Charles, MO. Contact us at Nieroda Insurance Agency to learn more. 

In the Saint Charles, MO area, people are going to continue to enjoy warm weather that can exist for much of the spring, summer, and fall. If you are in this area of Missouri, one great investment to make that will help you to enjoy it is by getting a boat. If you are going to purchase a boat here, you do need to get proper insurance for it. There are several reasons that you may need to get boat insurance here.

Insurance is a Requirement for Use in Some Areas

One reason that you should get boat insurance in this area of Missouri is that it can be a requirement for use in some areas. If you want to use certain marinas or waterways, you are going to need to carry insurance. This is often a local necessity as it will ensure that you can pay for any damages that you cause during any type of accident. 

Insurance Protects Asset

You will also want to get boat insurance as it will be able to protect your asset. Buying a boat is a big investment that you need to protect. When you get a full boat insurance policy, you will receive the coverage that you need. This insurance can give you protection against the risk of theft or damage from an accident. 

There are many reasons that you may need to get boat insurance when you are in the Saint Charles, MO area. When you are looking for your next policy, it would be a good idea for you to call Nieroda Insurance Agency. If you do call the team at the Nieroda Insurance Agency, you will get to learn more about how boat insurance can protect you and your asset. 

If you don’t own your home, it’s still important that you carry insurance on your belongings so that you’re protected in the event of a fire, theft, or natural disaster. Rental insurance can help replace anything that you lose in these situations, ensuring that everything inside of your rental unit is insured in case an adverse event occurs. Individuals who need rental insurance can contact the Nieroda Insurance Agency, serving the Saint Charles, MO area, to learn more about how to obtain appropriate coverage. 

Student Housing
If you live in student housing, be sure to protect your belongings against fire, theft, or loss. There are often specific policies designed for college students, and your insurance agent can speak to you about the type of policy that’s best for you. This will help ensure that you have the right amount of coverage for your belongings and aren’t carrying more coverage than you need. 

Apartment Dwellers
Individuals or families living in apartments should also consider purchasing rental insurance. Often it is a stipulation of your lease that you carry this type of policy, protecting your landlord from liability in the event of theft, fire, or natural disaster. An insurance agent can review how much you have in your rental and help you select the policy that’s right for you and your family. 

Senior Living Facilities
If you’re living in a senior living facility, it may still be important to carry rental insurance on your belongings. Some independent senior facilities, like condos or townhomes, provide you with quite a bit of space. It’ll be important to protect your personal items with an insurance policy. 

Rental insurance is often overlooked but is extremely important. If you don’t own the property that you reside in, contact Nieroda Insurance Agency in Saint Charles, MO to learn more about this type of insurance. They can assist you each step of the way, helping you to decide on the policy that’s perfect for you and your family.