Better Choice Insurance Group
300 Cardinal Dr, Unit 220, St. Charles, IL 60175
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300 Cardinal Dr, Unit 220, St. Charles, IL 60175
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300 Cardinal Dr, Unit 220, St Charles, IL 60175
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2435 Dean St, Unit 2D, St. Charles, IL 60175
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225 Smith Rd, St. Charles, IL 60174
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451 Dunham Rd, Ste 600, St Charles, IL 60174
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40W222 LaFox Road, Ste E1, St. Charles, IL 60175
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1121 E Main St, Suite 200, St. Charles, IL 60174
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Learn about insurance coverage options specific to St Charles residents.
St. Charles insurance guide covering auto, home, and flood coverage. Learn about Missouri requirements, flood risks, and local rates. Get protected today.
Home InsuranceSt. Charles homeowners pay $2,800-$3,500/year for insurance. Learn about flood coverage near the Missouri River, tornado protection, and historic home needs.
Car InsuranceSt. Charles auto insurance averages $907/year. Learn about Missouri's 25/50/25 minimums, I-70 accident risks, and how to get the right coverage for less.
Yes, you should seriously consider it. Over 40% of St. Charles County is flood-prone, and one in three flood insurance claims come from moderate-to-low risk zones. Heavy rainfall can overwhelm drainage systems even if you're nowhere near the river. The average flood claim is nearly $60,000, and your standard homeowners policy won't cover it.
Probably not. Missouri requires 25/50/25 liability coverage, but medical bills and property damage from even a minor accident can easily exceed those limits. If you cause a serious accident and someone needs surgery or ongoing treatment, you could be personally liable for costs beyond your policy limits. Most experts recommend at least 100/300/100 coverage for better protection.
Missouri home insurance premiums have risen 43.7% over the past five years due to increased severe weather claims, rising construction costs, and inflation affecting replacement values. Even if you haven't filed a claim, these industry-wide trends affect everyone. Shopping around annually can help you find better rates, as different insurers adjust their pricing differently.
Most Missouri home insurance policies have a separate deductible for wind and hail damage, which is common in tornado-prone areas. While your regular deductible might be $1,000, your wind/hail deductible is often a percentage of your home's value—typically 1% to 5%. On a $300,000 home, that could mean paying $3,000 to $15,000 out of pocket before insurance covers tornado damage.
Yes, tornado damage is typically covered under the wind damage portion of your homeowners policy. However, you'll need to pay your wind/hail deductible first, which is often higher than your standard deductible. Make sure you understand what your wind deductible is and consider whether you want to change it to a flat dollar amount instead of a percentage.
There's typically a 30-day waiting period before a new flood insurance policy takes effect, so you can't wait until a storm is approaching. If you're buying or refinancing a home in a high-risk flood zone, your lender will require proof of coverage before closing, so start the process early in your home buying journey.
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