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Home Insurance

Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Coverage availability and prices may vary by company. We can help you determine which of several companies we represent will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Depending on the company you choose, you can get discounts for:

  • Having a burglar alarm,

  • Having a newer home,

  • Being claim free in the past

  • Insuring your vehicles with the same company.

Other advantages you could enjoy include:

  • Repair Guarantees,

  • 24-Hour Claims Hotline,

  • Flexible billing -including coordinating with your mortgage company,

  • Living expense if your home becomes uninhabitable due to a claim.

Valuable items coverage basics

Valuable Items coverage supplements coverage for possessions of higher monetary value, such as a diamond engagement ring, your grandfather's pocket watch, artwork, or a valuable collection. While most homeowners policies have limits on the dollar amount and type of loss that can be recovered, Valuable Item coverage will provide the protection you need for your most valuable possessions in the event of loss through theft, accident or natural disaster.

Auto Insurance

The right auto insurance policy can help get you back on the road quickly. If your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We can help you determine the best coverage for your needs.
How much auto insurance is right for you?
Our team of insurance professionals understands the Missouri & Illinois car insurance needs of our customers.
Auto insurance requirements vary by state. In some states, to drive you must carry:
  • Liability coverage to pay for losses you cause others
  • No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault
  • Both liability and no-fault coverage.
We write insurance in Illinois, Missouri, & Texas. We would be happy to help you, ensure you have the right car insurance coverage. Even in states where coverage isn’t required, by law drivers must be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:
  • Collision Insurance
    Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
  • Comprehensive Insurance (Other than Collision)
    Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will probably need it if your car is financed.
Every person is unique – talk to us today to find out how to get the best price and value on car insurance. 618-792-5900

Boat & Personal Watercraft

We can offer a wide variety of coverages and options for your boat, jet ski or personal watercraft. Some boats or smaller watercraft may even be covered under your current homeowners policy. The size, type and value of your boat, personal watercraft or jet ski will be part of the determining factors in evaluating your insurance coverage needs.

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  • Physical Damage Coverage - Adding this coverage to your policy protects your boat while in storage and during transport. This covers your boat as well when out of the water, including but not limited to: fire, lightning, vandalism or theft. You can also obtain emergency service reimbursement for expenses related to towing, labor or supplies.

  • Liability Coverage - This coverage will assist you in the event of a collision with another boat, dock or other boaters.

  • Personal Liability - protecting you or family member if you have an accident that causes injury to another person.

  • Medical Payments - covering medical expenses if you or someone in your boat is involved in an accident.

  • Property Damage - damage that may be caused to another persons property while operating your watercraft.

Motorcycle policies that bring you peace of mind.

As with auto insurance, motorcycle insurance policies are made up of several components, some of which are legally required while others are optional, but a smart buy.

Which coverages are legally required?

The absolute minimum coverage you’ll need when it comes to motorcycle insurance is liability insurance, which covers costs you have to pay to other people after an accident that’s your fault–including their medical bills and repairing or replacing their vehicle. Your state’s laws will set a minimum amount of coverage for liability insurance, but you may want the peace of mind of getting a higher coverage limit.

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Optional coverages designed to protect your ride.

Other optional extras worth considering include specific coverage for custom motorcycle parts such as GPS or trailers that you’ve added to your bike and aren’t necessarily included in your standard policy. You can also get coverage that pays your costs if you’re involved in a collision with an uninsured driver or rider. Finally, don’t forget roadside assistance, which will get you to a repair facility if your bike has a mechanical breakdown or you suffer a flat tire.

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ATV & Powersports Insurance

All-Terrain Vehicles (ATV) are becoming increasingly popular, and they come in a variety of different models. Depending on the vehicle type, most insurance companies have a different set of rules for providing coverage for ATVs.

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ATV insurance is very similar to motorcycle insurance.

All-terrain vehicles are three, four or six-wheeled buggies used off-road. 4×4 insurance has the same basic coverages included in the motorcycle insurance policy, modified for the needs of off-road enthusiasts.

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Get the specialized coverage you need for your specialized vehicles. We can help you protect your investment and let you focus on having fun.

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Classic & Collector Cars

You know what’s best for your classic car under the hood, but what about the best classic car insurance? Whether it’s a muscle car, hot rod or a fully restored 1960s van, The Merchants Choice is appointed with top companies like Hagerty and others to keep you covered with collector car insurance designed for the unique needs of classic car collectors. In the event the vehicle is damaged, on a Classic Car Policy you can take the vehicle to the shop of your choice and the Insurance Company will pay the repair bill ( no hassle over shop rates and custom parts ).

Standard Equipment Included in Every Policy:

* Agreed Value Coverage
* Choice of Repair Shop
* Towing / Roadside Assistance
* Spare Parts Coverage
* Trip Interruption Coverage
Expert Claim Service & Peace of Mind.

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