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Lindenwood Agency Commercial Personal Insurance St. Charles St. Peters Missouri

1112A First Capitol Drive

St Charles, MO 63301

(636) 946-6133

Serving the commercial and personal insurance needs of St. Charles, St. Peters, O'Fallon and St. Louis for over 50 years!

  • Best Insurance Agent St. Charles

Condo Insurance

We specialize in providing comprehensive business & personal insurance plans with competitive pricing to St. Charles, St. Peters, O'Fallon, St.  Louis, and surrounding areas. We are fully licensed and accredited and work with all major insurance companies to get you the best rates possible. Send us a message or give us a call, we can handle all of your insurance needs!

Condo Insurance

Condo insurance has components from both homeowner and renters insurance. With Condo insurance, generally for the dwelling you are typically only insuring the internal structure or the drywall itself. In most situations, there is a condo association with a “master policy” for the outside of the dwelling.

 

Important Features

• Dwelling: As noted above, usually Condo Insurance is for the drywall or studs in. Typically dwelling coverage would cover cabinets or flooring that has been installed in the home. Generally the condo association covers the outside of dwelling.  

 

• Personal Property: Condo insurance is a great product to have. Unlike homeowners insurance, condo insurance doesn’t generally cover the actual outside structure or dwelling. The purpose of condo insurance is to have coverage for your personal property. One of the great things about condo insurance is the affordability it offers. To insure all of your belongings it is relatively cheap under a condo policy. 

 

• Liability: This coverage is designed to protect you and your assets if someone is injured or their property is damaged under your care. When choosing your coverage level, it’s important to remember the assets you need to protect in case someone decides to sue you. 

 

• Medical Payments: This coverage is in place to cover medical expenses of a guest that is on your property should they be injured. 

 

• Loss of Use- Being displaced from your dwelling after a loss can be very frustrating. Thankfully there is coverage that helps find temporary shelter. Loss of use coverage is designed to pay for your lodging while your home is under repair. 

• Loss Assessment: Loss assessment coverage is in place to protect the condo owner when an event damages the outside of the condo. Loss assessment coverage is there to cover the large deductibles of the “master policies”. At time of the loss, the condo association may levy assessments to all members to pay for the deductible. This coverage eases the burden placed on the condo owner. 

 

Schedule a consultation with Lindenwood Agency in St. Charles

Lindenwood Agency specializes in providing comprehensive business & personal insurance plans with competitive pricing to St. Charles, St. Peters, O'Fallon, St. Louis, and surrounding areas. We are fully licensed and accredited and work with all major insurance companies to get you the best rates possible. Once we understand your insurance needs we will use every resource to secure the proper coverage at the most competitive prices available.

If you have any questions or want to set up an appointment, contact us or give us a call- 636-946-6133!

Types of Insurance We Offer

  • Business Owner's Insurance

  • Business Property Insurance

  • General Liability Insurance

  • Business Income Insurance

  • Workers Compensation Insurance

  • Commercial Umbrella Insurance

  • Commercial Building Insurance

  • Business Inland Marine Insurance

  • Business Personal Property Insurance

  • Business Surety & Fidelity Bonds

  • ...and more!

 

  • Homeowners Insurance

  • Auto/Car Insurance

  • Personal Umbrella Insurance

  • Renter's Insurance

  • Condo Insurance

  • Landlord Insurance

  • Personal Articles/Possessions

  • Personal Inland Marine Insurance

  • RV/Boat/Trailer Insurance

  • Flood Insurance

  • ...and more!

 

We've Served the commercial and personal insurance needs of St. Charles, St. Peters, O'Fallon and St. Louis for over 50 years!

WHAT OUR CLIENTS THINK

As a fine art company with a lot of high priced inventory moving around and being stored, we had a lot of unique questions and circumstances. The Lindenwood Agency was quick to answer and address any concerns we had. At the end of the day, they delivered a policy to fit our exact needs and left no doubt in our mind about coverage. You could tell they genuinely cared about getting us the proper coverage, they were looking out for things we had not even considered. We would wholeheartedly recommend Lindenwood Agency for any business that values personal attention and vast insurance knowledge.

Ryan, Lucks Fine Art

Ryan and the Lindenwold Agency have been nothing but helpful the past 2 years helping with my home insurance.  As a first time homebuyer I was, and still am, a bit overwhelmed at keeping up to speed with keeping my insurance and paperwork up to date.  Ryan and his team have always been available to walk me through the process and make sure I’m up to date getting the best deal on my insurance.  Overall the biggest key is trust, and I believe I’m in good hands at Lindenwood! 

Mike, St. Louis