Need Automobile Insurance? We can help.
Your auto insurance coverage can be confusing at best. When you are in an accident or there is damage done to your vehicle, you need your claim settled by an insurance company that understands the importance of getting the best settlement possible. This happens by understanding the coverage limits you have and what is important to you.
HALO Insurance can help you find the best auto insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.
Note: if you are looking for insurance for a classic vehicle, you cannot use traditional automobile insurance. You need a “specialty” policy which we can also help you with.
It’s important to understand that no two automobile insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements and riders, and have different conditions and limitations.
St. Louis Automobile Insurance
If you’re not using an independent agent in St. Louis like us, it can be hard, if not impossible to tell the difference between two automobile insurance policies.
Personal Property — this covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically anything that would fall out of your house if you turned it upside down and shook out the contents.
Loss of Use — this covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.
Medical Expense —this covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Family/Personal Liability — Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.
Scheduled Personal Property — there are some situations where you might want special coverage for valuables, or collectibles like jewelry, guns, collectibles, rugs, etc..
How to get started with your homeowners quote:
Every home is unique, and therefore requires a carefully crafted policy.
If you’d like us to review your current policy and provide you with no obligation quotes, call our office, enter some basic information in the fields below to get started online. Either way, we make the process super simple!