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MHQ Financial Services
, Osage Beach, MO (573) 348-2333
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Address 4824 Hwy 54 Ste 1 Osage Beach, MO 65065 Hours Monday 9 a.m. - 5 p.m. Tuesday 9 a.m. - 5 p.m. Wednesday 9 a.m. - 5 p.m. Thursday 9 a.m. - 5 p.m. Friday 9 a.m. - 5 p.m. Saturday closed Sunday closed Business Services Our Insurances:, Homeowners , Flood, Personal Auto , Boat & Yacht, Personal Watercraft, RV & Motorcycle, Renters, Personal Umbrella , Business Liability, Business Fleet, Individual/Family Health, Long Term Care , Life Insurance , Wedding Insurance
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Business Type: Choosing the right coverage is one of the most important decisions you will make.
At MHQ Insurance Services, we have answers for all your insurance needs. We offer to citizens and businesses a complete solution of insurance products to protect you and your family.
Why Choose Us?
When choosing an insurance agency, you want a company you can trust. We are an independent insurance agency. We do not work for an insurance company; we work for you! We work on your side when you have a loss and follow through to see that you get fair, prompt payment.
As an independent, full-service insurance agency, our duty is to our clients best interests. As your insurance agents, it is our responsibility to provide YOU the best service and the best coverage, at the best possible price.
Service
We are a little old fashioned, if you want something done quickly, we will do everything we can to assist. Customer service is of paramount importance to us. Our customers recommend us to their friends. Our expertise is based on well-trained experienced staff that can tailor a comprehensive insurance program for your specific needs. You will have the added benefit of working with agents who understand your needs. Finding the right policy is only the beginning.
When you become our client, you will receive:
• Practical and accurate information about your insurance policy and your insurance company.
• An agent who works for your interests.
• Personal service.
Whether you need to make a policy change, have a question about billing or need to report a claim our customer service representatives are the best in the business and will handle your request professionally and quickly.
We begin with a free analysis of your current policies, we will explain what coverage you currently have and make sure they meet your specific needs and budget. MHQ is not your typical insurance agency, we offer more than just one carrier. By having numerous carriers, we can provide you with multiple quotes to compare.
Our website is also available 24/7 to accommodate your busy schedule.
The FICO score is credit score developed by Fair Isaac Corp.
Question Why buy home insurance? Answer • Owners: To protect both your house and personal property.
• Tenants: To protect your personal property.
• Everyone: Protection against liability for accidents that injure other people or damage their property. Question How much home insurance do I need? Answer • Asset Protection: More coverage generally means you will have less to pay out of your own pocket if disaster strikes. You must determine the amount you can financially afford to lose. Depending upon your determination, more insurance may be the answer. You need enough liability coverage to protect yourself from lawsuits resulting from your possible negligence.
• Lender Requirements: Your lender may require you to cover the house for at least the amount of the mortgage. You are not required to purchase insurance from the insurer recommended by your lender.
• Policy Requirements: Insurers may impose some conditions for replacement cost protection, including insurance of the property to value. Question What affects home insurance prices? Answer • Type of Construction: Frame houses usually cost more to insure than brick.
• Age of House: New homes may qualify for discounts. Some insurance companies offer limited coverage or may not insure older homes.
• Local Fire Protection: The number of fire hydrants and fire departments and the availability of water are some factors that determine your area's fire protection class. If you reside in an area without fire protection, you will pay more for fire insurance. Answer A peril is a condition that can cause a loss. Three examples are fire, windstorm, and theft. Question What deductible should I choose? Answer The deductible applies only to the coverages on your house and personal property. It is the amount you have to pay out of your pocket on each claim. You can collect on your insurance policy once the deductible amount is exceeded. A policy with a $100 deductible will cost more than one with a $250 deductible. Higher deductibles also will result generally in fewer claims, at a time when insurers are nonrenewing if the number of claims is considered "excessive." Question What basic coverages are available? Answer The most common basic coverages are: property damage, additional living expenses, personal liability and medical payments. Question What does property damage cover? Answer Property damage coverage helps repair your home and personal property when damaged by such perils as fire, lightning, windstorm or hail. The perils of flood and earthquake are covered when the coverage is added to your policy. If you believe you need flood insurance and your insurance company will not provide it, you may obtain coverage through the federal government's National Flood Program ("NFP"). To learn more about the NFP, you can contact an insurance agent or contact the NFP at (800) 638-6620. You should carefully read your policy before you have a loss to determine exactly what types of losses will be covered. Question What does personal property insurance coverage include? Answer In general, the contents of your home and other personal belongings owned by you or family members who live with you are covered under the policy equal to 50 percent of the value carried on your dwelling. However, high-valued personal property such as jewelry and cameras should be listed on the policy so that you are adequately protected. Question What does additional living expense or loss of use cover? Answer Most home insurance policies cover extra costs you incur if your home is damaged by an insured peril and you cannot live there while repairs are made or if you are denied access to your home by government order. The coverage is generally subject to duration limits and commonly covers any expense incurred by you so that your household can maintain its normal standard of living. In some instances, this coverage may include the costs of a motel, eating in a restaurant or storing some property. Question What is personal liability insurance coverage? Answer Personal liability coverage protects you and all family members who live with you against a claim or lawsuit resulting from (non-auto and non-business) bodily injury or property damage to others and for which you become legally obligated to pay. Defense costs are included, but the insurance company has no duty to defend you after the limit of liability on the policy has been exhausted.
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