If you are a boat owner, there are many things that you have to do to keep up your boat. In addition to boat cleaning and maintenance, you need to have boat insurance to cover both yourself and your boat. Every state has its own rules about boat insurance, and some don’t require boaters to have it.

In Missouri, it is not required by law to have this coverage. However, every boater should have this insurance for important protection. You don’t want to be out on the water and completely uninsured. Accidents happen on the water, and everyone is at risk of them. If you have a boat, make sure that you take the precaution of covering it with an insurance policy.

To get started, call us at Nieroda Insurance Agency in Saint Charles, MO.

Why Boat Insurance?

Water Accidents 

Boats do have collisions on the water with other boats, and the accident you have maybe your fault. When this is true, you need to have the coverage that is needed to pay for the damages done to the other party. Having liability coverage for your boat can mean that the other party’s medical bills and property damage are paid for by the policy. Insurance is especially important when you are in an accident with a higher-end boat. These boats can cost an enormous amount, and any damage to them will be extremely costly. Bot insurance allows you to have confidence on the water instead of worrying every minute.

Boat Coverage Types

There are different kinds of coverage that you can get for your boat. The most important is to have plenty of liability coverage in your policy in case there is an accident that you are found to be at fault. When you have collision coverage, this pays for the damages to your own boat. You can also get comprehensive coverage that covers the boat against off-water incidents.

Get Your Boat Insurance

When you are a boat owner, you need to make sure that you’re well-covered with insurance. To get started, give us a call today at Nieroda Insurance Agency in Saint Charles, MO.

If you live in a rented apartment or home, you must understand how you can benefit from renter insurance. At Nieroda Insurance Agency, we think it’s vital that renters in Saint Charles, MO understand the problems they can avoid with renter’s insurance.

The following are three problems you can avoid if you invest in renter’s insurance. 

The loss of your personal belongings

If you rent a home, you may keep many valuable belongings in your home, including electronics, furniture, and jewelry. One of the great features of renter’s insurance is its coverage for personal belongings. 

With renter’s insurance, you can be compensated for the worth of your most valuable personal belongings if they are destroyed due to damage to your rental home. 

The need to pay for temporary housing if your rental apartment or home becomes damaged

If your rented home is damaged due to a natural disaster or another emergency, you might find yourself without a roof over your head. In this situation, the renter’s insurance can cover the costs of renting a temporary shelter while your rental home is repaired and made habitable once again. 

The liability expenses you face if someone becomes injured in your rental home.

One of the essential types of coverage renter’s insurance offers liability coverage. You could be liable for medical costs if a guest is injured in your rented home. Fortunately, the renter’s insurance can cover the resulting expenses. 

 At Nieroda Insurance Agency, we can help you find the renter’s insurance solution you need in Saint Charles, MO. Contact us today to learn more about our insurance policy offerings. 

The Saint Charles, MO area is a popular part of the larger St Louis metro area. This part of the state continues to be popular for those looking for a great place to live. One challenge that can come with living here is the risk of flood damage. If you own a property here, it is important to consider your flood insurance needs. There are various situations when this coverage will be a good idea. 

Those Looking to Protect their Home

A situation when someone in this state and area will want to have a flood insurance plan is when they are looking to protect their home. One of the biggest risks that someone could face is the risk of flood damage. If a flood damages your home, the costs to fix or replace your home can be quite significant. With a flood plan, you will know you have the necessary support to make these repairs.

Those Looking to Meet Standards

You may also need a flood insurance plan to ensure you can meet your mortgage lender’s standards. If you have a home located within a flood zone, there is always a chance that it could be a requirement for you to hold this insurance if you have taken out a mortgage. Sometimes, your mortgage lender could require you to have your monthly payments escrowed. 

Flood insurance continues to be a suitable type of coverage in the Saint Charles, MO area. When evaluating your options, it would be wise to call Nieroda Insurance Agency. There are a lot of choices to consider, and Nieroda Insurance Agency can give the support you need to select a plan and adequately cover your home. 

Condo insurance is a basic form of coverage for every condo owner. When you have a condo insurance policy, it gives you several different types of coverage. Owning a condo means you don’t need regular home insurance, as it covers the entire dwelling. Instead, condo insurance caters to condos and the portions of them that you own. When you need condo insurance for your home, give us a call at Nieroda Insurance Agency in Saint Charles, MO.

Covering Your Dwelling

An important part of condo insurance is the coverage for your condo. The policy will cover the inside of the condo and exclude the outside walls and portions you don’t own. Often, that means coverage for the inside of the condo up to the inside portion of the outer walls. With this coverage, a damaging event to your condo can be covered so that the policy will pay for the needed repairs. This can save you tens of thousands on repair bills or even more. 

It Covers Your Belongings

Next to your home, your possessions are likely your most significant investment. With condo insurance, everything inside your home is covered. A damaging event that happens and destroys your belongings won’t mean you have to start all over again without anything. The policy can pay for you to replace what you lost. 

Liability Protection

Another type of coverage that you get with condo insurance is coverage for your liability. If a third party came into your home and had an accident that injured them, your policy would pay for the resulting medical bills. 

Get Your Condo Policy

It’s important to keep condo insurance to protect yourself in several ways. Call us at Nieroda Insurance Agency in Saint Charles, MO when you need this insurance.

     

If you are a warehouse owner in the Saint Charles, MO area, you can rely on Nieroda Insurance Agency for your specialized insurance needs. We provide the protection you need to keep your clients’ inventory safe. Give us a call today.

Specialized warehouse insurance

If you own a warehouse, it is likely that you will provide storage space for other companies. Warehouse storage is typically a way for other businesses to manage their inventory. With the right policy, you can protect your warehouse structure, any equipment that you may have therein, and any inventory that you may be storing for a third party. 

For example, if there is a fire at the warehouse and all of its contents are destroyed, there can be liability issues. With the right policy in place, you can protect your company from this liability. There are warehouse policies available that will provide comprehensive protection.

This means that your building and all of your equipment are protected. It can also mean that your clients’ inventory is also covered. You will not be held liable for this loss. The inventory replacement cost can be covered if you have the right policy. Storing other companies’ inventory requires that you fully protect yourself.

Sitting down with an agent who understands the intricacies of this type of specialized insurance is the first step. Finding the right warehouse policy can be a complicated undertaking. 

We can help you find the right warehouse insurance policy today

Nieroda Insurance Agency is here for the Saint Charles, MO business community, and we can help with all of your commercial insurance needs. Call our office today and schedule a consultation to learn more about how insurance can protect you from liability. We look forward to working with you!

Operating your business in the online space is cost-effective and convenient to reach your customers in almost every corner of the earth. While e-commerce is a great way to do business, it doesn’t mean that your business is free from risks. You may not have a physical office, but you face risks just like any other business. For persons operating online businesses, Nieroda Insurance Agency in Saint Charles, MO is here to break down the insurance coverages you need to consider for your business for optimal protection.

Liability coverage

Most, if not all, online businesses should invest in general liability coverage. Suppose your defective products injure a customer. Or you fail to deliver a product or service, resulting in a breach of contract. In both cases, your business can suffer financial losses, especially when sued. Given that liability claims aren’t uncommon in the business world, invest in liability coverage to be on the safe side.

Property insurance

While you may not have a physical office, you probably have other assets, including IT equipment, inventory, stores, delivery vehicles, and so on. Invest in property insurance to protect your assets against theft, fire, vandalism, and other risks.

Worker’s comp insurance

If you have any employee in your business, you must invest in worker’s comp insurance. This coverage is not only mandatory but also protects your employees against illnesses and work-related injuries.

Cyber liability insurance

Your e-business suffers significant losses after a few minutes of server downtime. Now, imagine the financial loss if your IT infrastructure is compromised for hours or days! Given that cyber-attacks are a real threat to e-businesses, you must invest in cyber liability insurance to help your business recover after an online attack.

Ready to get started with business insurance in Saint Charles, MO? You are on the right track. All you need now is to contact Nieroda Insurance Agency for an affordable quote.

One of the best ways to see the beauty that Missouri has to offer is to travel by motorcycle. If you own a bike and use it as your mode of transportation to work, on the weekends, or on long road trips, motorcycle insurance is essential for your safety, the protection of your bike, and the safety of other drivers. 

At Nieroda Insurance Agency, we’re proud to serve the residents of Saint Charles, MO, and the surrounding areas. If you’re looking for a quality motorcycle insurance plan, we’re here for you.

Here are a few ways motorcycle insurance can best serve and protect you in Missouri. 

Liability coverage for your bike

This is the only coverage required by Missouri law, but we highly recommend investing in additional liability coverage that protects you and your bike in the event of an accident. Additional coverage simply means you’ll have a greater chance of being entirely covered in any scenario, and won’t have to pay anything out of pocket.

How to protect your bike

Protecting your motorcycle is likely very high on your priority list. If it’s your primary mode of transportation, this is definitely true. Protecting your bike can be done through collision coverage and comprehensive coverage, which covers accidents, damage, and theft. 

We can’t stress enough the importance of insuring your motorcycle here in Saint Charles, MO. If you have questions or concerns about the best motorcycle insurance plan, don’t hesitate to reach out to Nieroda Insurance Agency today. Our team has years of experience in auto, home, life, and recreational insurance. We’re happy to help you select the best plan suited for your lifestyle that will provide you with the security that you and your bike are both safe.

When you are considering boat insurance or thinking of renewing your boat insurance policy, it can be very easy to get confused by the terms and jargon. Bodily injury coverage is one of those terms.

At Nieroda Insurance Agency, we want Saint Charles, MO boaters to have all the coverage that they need. We can help you to understand all the terms that are coming your way when you are looking at your boat insurance policy.

Bodily Injury Coverage

There are different kinds of medical coverage when it comes to your boat insurance policy. There is Medical Pay coverage and bodily injury coverage. Because there are different medical coverages, in addition to your own health care coverage, understanding the differences can be confusing.

Medical pay coverage refers to the coverage you make claims on when you need to make an injury claim for something that happened to you on your boat. Medical payments also covers accidental death.

Bodily injury coverage is liability coverage. This coverage refers to the coverage that you claim when you are at fault for an accident or injury. If something happens to someone else on your boat, your bodily injury coverage will pay for that.

Bodily injury coverage will have a cap. This will cover any expense to an accident that happens to someone else when you are at fault or liable in an accident. Bodily injury coverage may not just include their medical coverage. It can also include any lost wages.

Get a Quote

If you want to update your boat insurance to include more bodily injury coverage or renew your boat insurance policy, give us a call. At Nieroda Insurance Agency, we want Saint Charles, MO residents to feel secure with their boat insurance coverage. Call us for a quote today.

Most people don’t know about the importance of renters’ insurance. It’s a type of coverage that shields renters in an apartment after a covered loss. While it’s mandatory for all tenants, this protection is necessary for protection against future occurrences. Nieroda Insurance Agency provides renters in Saint Charles, MO with quality insurance services. The following are some of the commonly asked questions about renters insurance.

What are things covered in renters insurance?

Renters’ insurance caters for more than just reimbursements in cases of theft or fires. If someone suffers a personal injury while in your house, you can file a claim with your insurer. In cases where you move away from your rental for repairs, the accommodation costs are also covered.

What common events does renters insurance cover?

Different policies cover the different events. The most common ones covered by renters insurance are riots, explosions, fire and lightning, hail and windstorms, vandalism, smoke damage, appliances damage, and theft.

Who needs renters insurance?

Any renter owning possessions that are costly to replace or repair needs renters insurance. There are many unforeseen expenses in thefts and calamities, and if you can’t foot the bill for damaged things, it’s wise to get insured.

Can my landlord ask me to buy renters insurance?

Renters insurance isn’t mandatory or a legal requirement in any state. However, landlords sometimes ask renters to get their rentals insured as a condition of signing the lease. Don’t get shocked when you file a rental application and the landlord asks you to buy a renters insurance policy.

Will renters insurance cover my roommates?

Every occupant in a rental needs to get their stuff insured in separate policies. These policies ideally cover family members, but they may not cover roommates. In cases where insurers allow roommates to use a single policy, renters agree on a coverage level.

Renters insurance helps cover estimated potential damage in Saint Charles, MO. Disasters strike without warning, and you need to be prepared for the eventuality. Contact Nieroda Insurance Agency for a renters insurance plan.

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.