Google fonts script Blog Archives - A Jay Meier & Associates

Understanding the Difference Between Flood Insurance and Sewer Backup Coverage

Flood Insurance and Sewer Backup Insurance – Not the same thing.

Flood Insurance in St. Louis, MOFloods are the most devastating natural disaster in the United States each year causing billions in losses and displacing thousands. While flooding is a common concern for those near rivers and streams, all homes in the United States can be caught off-guard by floods. When it comes to flood insurance, it is important to understand what flood insurance is and what is covered. Many people think flood insurance is anything to do with water in their home. This is far from the truth. Floods are defined as surface water that enters your home from the outside – not to be confused with a leaky roof or a broken pipe, loose toilet or other plumbing related issue. Another issue altogether is sewer backup with may or may not be covered depending on what caused it to occur.

Let’s take a closer look at these policies:

Flood Insurance: Flood insurance covers your property and contents from damages that occur when water from outside the home enters the home. Beit a heavy rainstorm, a clogged drain in the street or even a hurricane that causes a tidal surge that backs up streams and rivers.

  • Cost: According to floodsmart.gov, the average flood insurance policy costs around $700 a year. Depending on your area and whether you’re in a flood prone area, your costs can be higher or lower.
  • What’s covered: The typical flood insurance policy will cover your building and the contents. Be sure to discuss contents coverage with your agent to ensure you have enough coverage. The price of the policy will be largely determined by how valuable your items are and how much coverage you need.
  • When to buy: Flood insurance requires a 30 day waiting period. The best time to buy a flood insurance policy is as soon as you decide you want it.

Water & Sewer Backup Coverage: Sewage backup insurance is not included with a standard homeowner’s insurance policy. Sewage backup occurs for many reasons, but ultimately, what is happening is there is a blockage that causes water to reverse course and push up into your sinks, bathtubs or other outlets. This can be a smelly, filthy event and one you want to be sure to discuss with your agent. Believe it or not, this is a somewhat common occurrence.

  • Cost: Cost always varies, but typically a sewer backup endorsement will run you under $100. Be sure to ask your agent about different policy options.
  • What’s covered: You purchase specific amounts of covers, such as $10,000 or $15,000. This helps cover the cost of cleaning the damage caused from the backup as well as replacing carpets, drywall, and even cleaning or replacing ducts.
  • When to buy: Water and sewage backup occurs everywhere. There is no real good indicator or when this event will occur, so protecting early is critical.

We understand insurance is confusing, so if you still have questions, feel free to call one of our licensed agents and ask to speak about flood or sewage backup coverage.

Established in 1972, A Jay Meier & Associates helps you evaluate your insurance, educate you on your coverage and communicate with you throughout the time you have insurance through their St. Louis, MO office. Because they’re a financial representative as well as insurance broker, they can help you with anything from your auto and home insurance to your annuities and life insurance. Check out their insurance website 24/7 and request to speak to an agent.

Summers Mean Backyard Grilling- Safety!

 

gallery-thumbnails.jpg
gallery-thumbnails.jpg

Just like hamburgers and hot dogs, a sizzling grill is a symbol of summer and grilling isn’t just about great food. Backyard barbecues often create treasured memories with friends and family.

Keep in mind, however, that when you grill, you’re literally playing with fire. Thousands of residents each year learn this the hard way, suffering damage to their homes or even serious injuries in grilling accidents.

There’s good news, though: You can prevent grilling accidents by taking some simple precautions. The tips below can help ensure you cook only your burgers — and not your house — the next time you fire up the grill.

TIPS FOR ALL GRILLS

Your grill, whether gas or charcoal, should be on a level surface outdoors, away from anything that could be ignited by flames (bushes, fences, etc.).

NEVER use a grill indoors. Odorless carbon monoxide fumes could kill you.

Keep your grill clean and well-maintained. Check parts regularly to determine if replacements are needed.

Never leave a hot grill unattended or let children play near it.

 

CHARCOAL GRILL TIPS

From Kingsford.com

Do not add lighter fluid directly to hot coals. The flame could travel up the stream of fluid and burn you.

Never use gasoline or kerosene to light a charcoal fire.

Use flame-retardant mitts and long-handled barbecue tongs, as coals can reach up to 1,000 degrees.

To dispose of coals, allow the ashes to cool for at least 48 hours before disposal in a non-combustible container. If you cannot wait 48 hours, carefully place coals individually in a can of sand or bucket of water.

 

GAS GRILL TIPS

From the National Fire Protection Association

Check your grill’s hoses for leaks before using it for the first time each year. Apply a light soap and water solution to the hose. A propane leak will release bubbles. If you have a leak, and it will not stop after the grill and gas is turned off, call the fire department. If the leak stops when the grill and gas are turned off, have your grill serviced by a professional.

If you smell gas while cooking, immediately get away from the grill and call the fire department. Do not move the grill.

Do not keep a filled propane tank in a hot car or trunk. When getting containers refilled, make that your last stop before going home.

Store propane tanks in an upright position, and never indoors.

 

From all of us at A Jay Meier & Associates, happy grilling, and stay safe this summer!

 

Jewelry in the house? Protect it!

Stock Photography: Pearls in jewlry box
Stock Photography: Pearls in jewlry box

 

 

 

It’s exciting to receive jewelry from a loved one — or to give it as a gift. Not to mention romantic. But if you’re lucky enough to have some new jewelry in your

home from Valentine’s Day, you should take a few minutes to think about something you probably don’t find exciting or romantic: insurance.

 

Don’t know where to turn? Don’t worry. At A. Jay Meier & Associates, we think it is exciting to help our customers protect what’s most important to them — so we’re ready to help and can answer all of your questions.

 

Things to consider when insuring jewelry:

 

You may need to purchase additional coverage. Your homeowners policy covers valuable items such as jewelry only up to set amounts. If the cost of replacing your jewelry exceeds that limit, you will want to purchase scheduled personal property coverage. You can check your policy or give us a call at 314-968-4444.

You might want to reconsider your deductible amounts. As always, this impacts your policy premium. It’s a good idea to take a look at your deductibles whenever you make a change to your policy.

Do you need an appraisal? You may need to have an independent appraisal if the insurance company requires it or if you don’t know the value of your jewelry. Each item should be listed with a description and value on paper.

What kind of coverage is offered? You’ll want to determine if items are covered no matter where they are, whether they’re in {cities-you-focus-on}, or on an international trip, and if the policy offers full replacement cost. You also should ask if you will be required to replace your jewelry if lost or stolen, or if you can simply keep the cash settlement.

Pictures can be helpful. Lost or stolen pieces of jewelry sometimes can be recreated if the jeweler has a good photograph to work from.

Should I go with a company that specializes in jewelry insurance? There are companies that specialize in jewelry insurance. Whether you choose one of these, or a company that we represent, you’ll want to make sure they are reputable and stable.

Is the value of your jewelry mainly sentimental? Is an item irreplaceable? If the answer to either of these questions is “yes,” you might consider foregoing insurance. But please, talk to us at 314-968-4444 before making that decision. That’s what we’re here for.

 

Of course, it’s important to store your jewelry securely when it’s not in use; a safe in your home or a safe-deposit box is best. We want your jewelry to be replaced if it’s lost or stolen, but we’d rather your sentimental and valuable pieces stay with you and your family for years to come.

 

 

Contact Us!

For further questions and assistance, please contact Jeanine Devine  at 314-968-4444. or jdevine@FIRSTHEARTLAND.COM

Content provided by Safeco Insurance

 

 

 

“Personal Offense” What’s That?

 Caption: Hispanic woman using laptop on table Release: MODEL RELEASED Photographer: JGI/Tom Grill/Blend

Caption: Hispanic woman using laptop on table
Release: MODEL RELEASED
Photographer: JGI/Tom Grill/Blend

This is a great optional coverage for a nominal price that can be added to your homeowner’s policy.  With all the social media craze these days it would be wise to make that extra step to cover you while you are on Facebook, Twitter and the like.

Here is an example of what is “personal offense:”

“Personal offense” means injury arising out of one or more of the following offenses:

(1) false arrest, detention or imprisonment;

(2) malicious prosecution;

(3) wrongful eviction or wrongful entry;

(4) oral or written publication, in any manner, of material that slanders, libels or defames the character

of a person, which occurs in any manner; or

(5) invasion of privacy, which occurs in any manner.

Contact me  for a free no obligation quote for your homeowners with this coverage.

Need New Tires For the Winter?

 Caption: Man working on broken down car in snow Photographer: Caia Image/Blend Show keywords

Caption: Man working on broken down car in snow
Photographer: Caia Image/Blend
Show keywords

You know it’s here. Snow and slush. Freezing rain. Maybe even black ice.

But do you know if your tires are ready for all of that?

When driving in St. Louis Mo in the wintertime, your tires just might be the most important safety feature on your car. The right ones can get you to your destination safely. The wrong ones? Well, just look over in the ditch during the next storm

So how do you figure out what’s best for your vehicle? Here are five things to know about winter tires

  1. Winter tires really are different than regular tires. Winter tires have deeper tread, along with siping (slits in the tread blocks). This increases the number of edges that touch the road, resulting in better traction and handling. They also stay softer than other tires do in cold weather, thanks to special rubber compounds designed specifically for winter use. That helps increase traction as well.
  2. If your area regularly drops below 45 degrees, you probably need winter tires. Winter tires don’t just perform better in snow and ice. They are better for cold weather in general. So if you get some chilly days where you live, consider a set – a full set. Installing just two winter tires can cause handling problems.
  3. There are two main categories. Studless snow and ice tires are designed for extreme conditions. They are better in deep snow than performance winter tires, which are for light snow and ice. What about studded tires? Well, they give you great traction on ice but also damage roads. And some experts say chains do just as well.
  4. You still need to check the pressure — once a week. If your tires are underinflated, they are at risk of failing. In winter, if they’re overinflated, your traction will be significantly reduced.
  5. You still need to check the tread, too. An inexpensive tool found at auto-parts stores can be used for this, or you can use a penny. Stick the coin into the groove of the tire, with Lincoln’s head down. Is some of his hair hidden? Good. Can you see all of Abe’s hair? It’s time for new tires. Right now.

 

We here at Jay Meier & Associates  know that nobody wants to spend too much time thinking about tires. The good news is you don’t have to. Just a little bit of preparation, along with some routine maintenance, will keep you driving in  St.Louis ,Mo  all winter long.

 
Don’t forget to give us a call at 314-968-4444.

 

 

Dangers of night driving

Basarab bridge, Bucharest, Romania - stock photo

 

A little extra caution can go a long way while driving at night

 

Summer has ended, and while fall and winter have their own pleasures — including {favorite local winter activity} — longer nights mean increased danger on the roads.

 

You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23% of vehicle miles traveled, more than 50% of fatalities for vehicle occupants 16 and older occur between 6 p.m. and 6 a.m., according to the National Safety Commission (NSC).

 

Because we’re big advocates for safety at A. Jay Meier & Associates, we thought it would be helpful to take a look at why night driving is more dangerous, and what you can do to decrease that danger.

 

What’s dangerous about night driving?

  1. Decreased vision. We won’t go into all the biological details, but different parts of the eye (such as iris, pupil and retina) work differently at night. Your peripheral vision is actually slightly improved, but it’s more difficult to focus on objects ahead of you. And traveling between well-lit areas and darker roads creates issues as well.
  2. Driving too fast for your headlights. Depending on vehicle speed and headlight setting, many people “over-drive” their headlights. That means, by the time they see something on the road, it’s too late to stop in time to avoid it.
  3. Impaired judgment. Whether due to drowsiness or the use of alcohol or drugs, it appears that drivers at night often don’t use good judgment. According to the NSC, 66% of fatalities at night involve vehicle occupants who weren’t wearing seat belts.

 

So what do you do?

Sometimes, there’s no way around driving at night. So here are some tips to help you make a safe trip — whether you’re just running to the store, or you’re headed all the way to {local getaway spot}

  1. Make sure your vehicle’s lights are in good working condition. And not just headlights, but turn signals, taillights, etc.
  2. Avoid speeding. Leave a bigger cushion between you and other cars than you would during daylight hours. Leave yourself more time for the trip.
  3. Be more aware of your surroundings. You shouldn’t be using your phone, messing around with the radio or trying to find something on the floor while you’re on the road anyway — and distractions are even more deadly at night.

 

Of course, if you’re not comfortable driving at night, the best thing is to avoid it altogether if possible. There’s nothing wrong with asking for a ride from a trusted safe driver or waiting for the sun to come out!

 

Sidebar:

We’re open all day!

When you’re driving around during the day, stop in to A. Jay Meier & Associates  for a review of your coverage. We won’t keep you after dark, we promise. Just give us a call at 314-968- 4444. We’re here to help!

 

Contact Us!

 

Content provided by Safeco Insurance

 

 

 

 

 

 

 

Boat winterization Tips

Image: 'Sea Doo' http://www.flickr.com Found on flickrcc.net
Image: ‘Sea Doo’
http://www.flickr.com
Found on flickrcc.net

                                     Tucking your boat in for the winter?

 

For boat enthusiasts everywhere, the end of boating season can be disappointing because on-the-water adventures are about to come to an end and the task of winterization is about to begin.

 

As you know, taking the time to protect your watercraft through the winter requires an investment of time, labor and money. While winterization is an absolute imperative that can help prevent irreversible damage, think of the process not as a chore, but a chance to dream about next spring when you’ll be ready to go afloat {local-lakes-and-rivers-good-for-boating}.

 

To help you get started, we at  A. Jay Meier & Associates Insurance Agency have compiled two essential steps to follow.

  1. Find the best storage place indoors or outdoors
  • If possible, find a place to have your boat spend the winter out of water and well out of the way of inclement weather.
  • If you are storing your boat outdoors, check on the level of security. For example: Is there security personnel on duty? Is it a locked facility?
  • And if your boat will be exposed to the elements over the winter, make sure it is shrink-wrapped by a professional.
  1. Be thorough in winterizing or find a pro

If you’re a do-it-yourselfer, the steps to winterizing your boat can be easily found via many online resources.

 

Your boat’s owner’s manual also could be a great help, as most will include detailed winterization instructions.

 

Regardless where you get the details, you will ensure a better start come next boating season if you follow a comprehensive checklist now to get your boat ready for winter.

 

If you’re opting out of the do-it-yourself category and instead trusting the pros, you’ll want to find a shop that specializes in winterization. Get an appointment well in advance of the assault of inclement weather. To find the best option, consider getting a reference from a fellow boating enthusiast.

 

Regardless of how you choose to prepare your prized watercraft for the frigid days of winter, we at a. Jay Meier & Associates Insurance Agency hope you enjoy the cooler season as you await the return of spring!

 

Contact Us!

 

At ,A. Jay Meier $ Associates Insurance Agency, we  can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at {agency-phone-number} or send us a note at {agency-email-address}. We want to help you meet your goals, and make sure what’s important to you is protected!

 

Content provided by Safeco Insurance

 

 

How to protect your most cherished possessions

Stock Photography: Pearls in jewlry box
Stock Photography: Pearls in jewlry box

 

If you’re like most people, there are certain items you own that you can’t imagine ever losing—possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or simply because they’re irreplaceable.

While your homeowners insurance is invaluable for covering the loss or destruction of many of your belongings (as well as damage to your home’s structure), your policy might provide only partial coverage for your most cherished items.

 

The good news is that you can still protect the things that matter to you most, even if they’re not fully covered under your homeowners, with a scheduled personal property endorsement that is tailored to meet your specific needs.

 

Not an easy name, but it can help you sleep better at night

A scheduled personal property endorsement is not something that everyone talks about, but we at {agency-name} can help you determine if it would be a good fit for you. The first step begins with you. Look around your home and make a list of your cherished possessions. Be sure to consider the following:

  • Jewelry
  • Antiques
  • Art
  • Collections
  • Musical instruments
  • Silverware/China
  • Autographed items
  • Rare or one-of-a-kind items

 

Once you have taken an inventory, make the time to talk with us. We are always here to help you determine whether if your prized possessions need more coverage than your current policy provides.

Please keep in mind that it is wise to complete an inventory every year or so, because it’s easy to acquire new items over time that should be added to a scheduled personal property endorsement. It could be tragic to find yourself in a situation rendering you unable to replace what matters most to you.

.

Contact Us!

 

At A.Jay Meier & Associates, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 314-968-4444 or send us a note at www.meierassociates.com. We want to help you meet your goals, and make sure what’s important to you is protected!

 

Stock Photography: Pearls in jewlry box
Stock Photography: Pearls in jewlry box

 

Here’s what customers are saying about Safeco Insurance®

I’ve never had to file a claim with an insurance company before…I was certain that the whole thing was going to be a big hassle. I’m extremely pleased to report that my experience has been shockingly efficient, painless and dare I say it, pleasant. These days, one has such low expectations of customer care that when one genuinely feels cared for as I have, I felt compelled to share this feedback from a satisfied customer.”

Safeco customer, J. F.

 

Content provided by Safeco Insurance

Curious if we can save you money. Get a quick quote here

 

 

Disclaimer (AGENCY, PLEASE READ. DO NOT PRINT IN NEWSLETTER)

 

This content is provided for your convenience only.  You should review this content carefully, because you are ultimately responsible for the accuracy of information that you provide through our website.  Every agent and broker is responsible for knowing the guidelines and laws that govern rating, underwriting and claims handling in their states.  Safeco provides you with a limited, non-exclusive, non-transferable license to display and use this content, and to make and display derivative works from it, so long as you are appointed with Safeco.  By using this content, you agree to defend, indemnify, and hold Liberty Mutual Group, Inc., and its affiliates, including Safeco Insurance, harmless from any loss, claim, or damages arising from your display, or use, of the content or of any derivative works.

–>