Welcome to Mid-America Specialty Markets

• Personal Auto Insurance - Auto insurance provides you with several different types of coverage. Most state governments have established minimum limits for certain auto insurance coverage. The typical coverage available in a personal auto policy include liability, medical payments, under-insured motorist, uninsured motorist and optional other than collision and collision. Many personal auto policies also offer a myriad of additional coverage types including, towing and labor, rental reimbursement even replacement cost for a vehicle!
  
  
• Homeowners Insurance - Usually a package policy that includes coverage for the structure, contents or personal property, loss of use of the home and other structures on the premises. These policies also include personal liability and medical payments. Homeowners policies also include a multitude of add on coverages ranging from scheduled jewelry, firearms and collections to home-business. Policy provisions may include actual cash value basis or replacement cost. In most cases flood and earthquake exposures must be specifically addressed for coverage to apply.
  
  
• Farmowners - Farmowners policies are similar to homeowners policies but address additional exposures typical to a farm operation. Outbuildings, barns, farm service buildings are some or the other structures found on a typical farm. Farm equipment, tractors, combines, trailers are specifically addressed. Livestock, cattle, horses and sheep are provided with certain types of coverage. Grain and hay in storage are also specifically addressed. The typical farm policy is anything but typical! All farm exposures identified can be addressed under the farmowners policy.
  
  
• Rental Property / Dwelling Fire - For those who own rental property it's important to have the right coverage. Generally rental property coverage is a policy that includes structure or dwelling coverage for the house, some contents coverage and loss of rents coverage. Some rental property policies may include liability and medical payments, however many do not leaving the liability to be coordinated with the primary insurance.
  
  
• Identity Theft Protection - Everyone is a target for identity theft. If your identity is stolen the clean up period can be daunting. Without professional help victims are often forced to spend more than 20 work days trying to recover. With Identity Theft Protection you will have a team of professionals on your side to help. Let the experts do the work for you. Contact our agency for more information on how we can help you recover from identity theft.
  
• Life Insurance - Maybe the most important insurance coverage you may ever purchase! Life insurance policies come in many forms and varieties. It's basic use is to help your family pay the bills in the event of your death. Through life insurance you can provide a continuation of lifestyle for your family. You can fund your childrens future by securing the money needed for their college education. Just think of this as income replacement for your family. An agent can help walk you through the many options. Do you have enough life insurance?
  
  
• Recreational Vehicles - If you own a recreational vehicle you need a special policy to protect your investment. RV's, ATV's, Travel Trailers and Motorhomes all require special attention. Separate physical damage coverage, liability, medical payments and contents coverage are all available for all your recreational vehicle needs.
  
  
• Boats - From your 17' bass boat to your 100' yacht, from your hobie cat to your jet ski, watercraft demand special attention. Physical damage for your boat, liability for property damage or bodily injury you cause are all coverages found in a watercraft policy.
  
  
• Motorcycles - Special protection for your new Harley! Motorcycle policies provide liability and medical payments along with uninsured and under-insured motorists coverage. Comprehensive and collision coverage may also be available to cover your bike and additional equipment attached. Optional coverage available may include passenger liability. Contact your agent to find out what you need for all your motorcycle cruising insurance needs.
  
  
• Vacation Homes - Vacation homes and secondary residences are more common today than in the past. These properties while similar to your home are different. They present special risk exposures. If your home is located on a lake you may have specific issues with coverage for your dock. Is your dock protected from collapse due to the weight of ice and snow? Many people in Mid-Missouri found the answer to this question last year at significant personal cost. Do you have a cabin on acreage you use for hunting? Do you lend or rent your cabin or vacation home to others? We'll help you secure the coverage you need for your vacation home.
  
  
• Flood and Earthquake - Did you know that your homeowners insurance does not cover damage caused by flood? You must purchase flood coverage separately. If you live within certain flood plains you will be required by your mortgage company to purchase flood insurance. We have all witnessed the devastation caused by flooding in and around New Orleans. There is no doubt some areas around Mid-Missouri are exposed to the same potential for loss. If you live outside of a high risk flood zone you may still want to consider the purchase of flood insurance to protect your home and property. Earthquake coverage is another special coverage. It must be added to your homeowners policy if you wish to have earthquake protection. Earthquake coverage may not be available in certain high risk areas such as Southeast Missouri. We find many insurance companies backing away from providing this coverage. Please contact your agent with any questions about flood or earthquake.
  
  
• Individual Health - So many choices! Health insurance can be at best very confusing. There are so many choices for a consumer to make. HMO plans are the most restrictive requiring you to see only approved physicians while being the least expensive for individuals. PPO plans are a combination plan that works similar to the HMO while allowing you to see providers outside of the plan. From HMO to Indemnity Plans you have a broad spectrum of coverage types, areas and pricing. Let your agent help you with the many options at your disposal for this important coverage.
  
  
• Disability - This insurance helps you keep paying the bills while you are unable to work over an extended period of time. In the event you are temporarily disabled due to medical circumstances the short term disability policy will pay you a percentage of your lost income over a certain amount of days subject to a waiting period usually 30-90 days long.
  
  
• Personal Umbrella - A single insurance policy that will increase your personal liability protection. These policies are generally purchased in increments of $1,000,000. They provide extra liability protection in that they will respond after the underlying liability limits of your home or personal auto policies have been exhausted by a liability claim. This insurance is used to provide high liability protection. Personal auto and homeowners liability limits are usually written up to $500,000. If you require additional liability protection the personal umbrella policy will fill that need.