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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

Landlord 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!

Landlord Insurance

Property investments are a great way to earn additional income for your family or business, but protecting yourself and your investment is the key. The policy to do this with is called a Dwelling Fire or Landlord policy. There are several different levels of these types of policies, but here at the Lindenwood Agency, we like to sit down with our customers and put together the best program for your needs. Dwelling Fire policies are very similar to homeowner policies, except not as comprehensive. Landlord policies can be owner occupied, but the majority of them are for tenants. The key to these policies is protecting the landlord or owner of the property. 

 

Levels of Insurance Coverage

• DP1: This form of dwelling fire policy is the most basic form. The DP1 is a named peril policy that provides just a few basic coverages. In case of a loss, for coverage to be provided the loss must be covered under these named perils. Another key factor with DP1 dwelling fire insurance is that the coverage is based on an Actual Cash Value level. 

 

• DP2: This form of dwelling fire policy is similar to a DP1, except it’s on a broad named perils basis. In essence, it names the perils, but the list of covered exposures is more inclusive than that of the DP1. Also, this coverage is on a replacement cost basis. 

 

• DP3: This form of a dwelling fire policy is the most comprehensive policy for a landlord. This policy offers the most possible protection for the landlord. This type of dwelling fire policy is on an open peril coverage basis. The only way a loss would not be covered under this policy is if it is listed under the exclusions portion of the policy. This policy is also a replacement cost policy which provides much more coverage than that of an actual cash value policy. 

 

Important Features

• Dwelling Coverage- This coverage is designed to repair or rebuild the physical home in the event of a loss. Common causes of loss are tornados, hail, or fire. 

 

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

 

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

• Contents- Your rental home is full of your belongings, ranging from clothing to expensive televisions and furniture. In the event of a theft, fire, or any other covered loss, this coverage will replace your lost or destroyed items depending on the form of policy that is written.

 

• Loss of Rents- Landlords depend on rental income for their properties. This coverage provides the loss of renters in case there is a loss and the dwelling is not livable. Generally this coverage will pay out until the dwelling is able to be inhabited again. 

 

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.

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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

Just wanted to let you know how Happy we are with the service you provide us. The Work Comp especially, we call for Certificate of Insurance and you guys get it done quick and efficiently. We have sent a lot of installers to you over the years and it seems that they are all happy with your service. Just wanted to let you know that I appreciate it. These days it’s hard to get people to do what they say they will.  Thanks!! 

 John Dickherber - Wholesale Flooring USA

Lindenwood Agency is one of the best insurance companies we have dealt with in our day to day business. Melodie Smith is our go to girl and is quick to respond and help out with any questions or concerns we may have. She is always willing to help with our last minute requests and walk our borrowers through the insurance process. We love the way Lindenwood’s certificates are designed, making it easy for us as a lending company to understand and follow. Melodie is always on top of the renewals on all of our files which helps us out tremendously. 10/10 would recommend working with Melodie Smith at Lindenwood Agency.

 Sarah Maxon, Longhorn III Investments, LLC