Every year, riders drop $40,000 or more on a machine like the Polaris RZR Pro R — then call the first “1-800-Cheapest” number they find for insurance without ever asking what that policy actually covers. On a machine that size,…
A recent Wall Street Journal investigation into how insurance companies treat policyholders included a detail that surprised a lot of readers: several major carriers, including State Farm, now require every member of your household to be listed on your policy…
A sub tells you they’re covered. You get a certificate of insurance. Everyone moves on with the job. Then someone gets hurt, and you find out the certificate was outdated, the policy had lapsed, or worse — it was never…
One of the most common questions we hear from small business owners is whether they need to carry workers compensation coverage on themselves. If you own an LLC in Missouri, the answer has a few layers — you’re generally allowed…
What Missouri Contractors Need to Know Before Buying One. If you’re a sole proprietor or independent contractor in Missouri, there’s a good chance a general contractor has asked you for a certificate of insurance proving you carry workers compensation coverage.…
You did the smart thing. You talked to your attorney, formed an LLC, and deeded your rental property into it. You put your rental in an LLC, but the insurance is still in your name. The whole point was separation…
Thinking about changing homeowners insurance companies but worried your mortgage will complicate things? Good news: switching is completely allowed, fairly simple, and often saves real money. Your lender doesn’t care which insurance company you use — they just require that…
What’s the Difference — and When Do You Need Each? Building a new home is exciting — but many future homeowners in Missouri and Arkansas are surprised to learn that a standard homeowners policy is not designed to protect a…
It’s the question every homeowner should ask and most never do — until after a fire or a tornado, when it’s too late to fix the answer. Whether you have enough coverage to completely rebuild your home comes down to…
Getting a home insurance quote is easier than most people expect — but the quality of your quote depends on the quality of the information behind it. At MBG Insurance, we shop your home across multiple carriers, and the more…
