Does Commercial Insurance Cover Product Losses Caused By Damage to the Roof?

The agents of Walker-Winter Insurance are available to help business owners in the Columbia, MO area. There are several types of commercial insurance policies that can be used to help protect a business owner from loss. Loss can take many forms including shoplifting, vandalism, wind damage, as well as tornado and storm damage. When the roof of a business is damaged, it can result in potential loss of property inside the building. The cause of the damage to the roof will determine whether or not the loss will be covered by the company’s commercial policy.

If the damage to the roof is caused by general wear and tear, odds are property damage to items inside the building will not be covered. If the damage to the roof is the result of a natural disaster, the damage to property inside the building will more than likely be covered. Properly maintaining the roof will help to reduce the damage caused by storms but it will not eliminate it altogether. If you own a business in an area that is prone to strong winds and heavy storms, it is important to make sure you have enough commercial coverage to protect your business and your livelihood. Do not undermine the potential hazardous that can occur from accidents beyond your control.

In Columbia, MO, the agents of Walker-Winter Insurance are available to answer your questions about commercial insurance and what is covered when it comes to storm damage. Contact the insurance office and speak to a licensed agent to have your policy reviewed and brought up to date. A few minutes of your time can protect your business from a devastating loss.

Which types of vehicles need insurance?

It’s common knowledge that the bare minimum insurance for operating an automobile is liability coverage, but insurance requirements for other forms of personal transportation can be a bit murky. Luckily, we can clear up the Columbia, MO legal requirements for you with this short guide from Walker-Winter Insurance.

Which other vehicles have to be insured?

Recreational vehicles and motorcycles are similar enough in use to automobiles that the insurance laws are nearly the same. Both will require full coverage if financed, while RVs also need it if they count as a motor home. Otherwise, if you plan on driving down a road that’s not on your property, then you’ll need liability coverage to avoid receiving a citation.

Can other vehicles be insured?

You are not required by law to have liability coverage for a boat, but repairing even a moderate amount of damage could cost as much as an automobile would cost.

All-terrain vehicles are also exempt from coverage requirements and are less likely to need liability due to operating away from other vehicles, but the rough use they are put through absolutely warrants purchasing collision insurance to mitigate the cost of repairs – especially if you have teenagers who operate them.

These are policies beyond your regular auto insurance. At Walker-Winter Insurance, we want to provide you with the information, so you are not confused with your coverage plans.

Do I have to purchase these policies from different companies?

For residents of Columbia, MO, you can find affordable insurance for every automobile in your fleet from Walker-Winter Insurance. Just stop by our office or give us a call toll-free at 1-800-516-3322 to compare quotes on any of your auto insurance needs.

Columbia MO Insurance Tips

Smack dab in the middle of the state of Missouri, is Columbia, MO, one of the bigger city centers in the state itself. Because of the higher population and the location of Missouri itself, there are a number of insurance policies people may need based on their specific situations. Below are some basic tips for Columbia MO residents when trying to figure out what they need to insure in their lives, ideally through a local broker like Walker-Winter Insurance, who serves the greater Columbia area and knows it’s resident’s needs quite well.


Being in Missouri, which has a real vulnerability to storms like tornadoes throughout the year, insurance against storms if you are a home or business owner is an absolute must. There is always a chance a storm could come up in this very active region of what is known as tornado alley and drop a cyclone town to ravage a section of the town. If you don’t happen to have storm insurance when this happens, you could lose everything in minutes. Due to the location of Columbia, this is a critical policy to have in place.


Due to the higher population of Columbia and the fact that it is on Interstate 70, there is a lot of traffic, meaning accidents are more common for all drivers. So auto insurance, beyond the minimum liability insurance that protects other drivers when you are at fault, is recommended. Having a policy that not only covers liability but also collision, medical care for those involved in the accident and protection against a possible lawsuit from the accident are also a good idea if you can afford it and don’t want to be financially vulnerable in the event of a bad crash. Talk to your broker about what is best for you.

Factors that Affect Policy Needs

Your auto insurance policy is as unique as you and a policy that works well for one driver may have none of the things that you seek in a policy. It is for this reason that you should understand some of the basic factors that affect how much coverage you might need for your particular policy. For those in the Columbia, MO area, the agents with Walker-Winter Insurance can help you custom make a policy that fits your individual needs.

One factor that affects your coverage needs is first and foremost the car that you are insuring. Value of the car, safety features of the car, the loan that you hold on the car, the make, model, and year, can all make a difference in the overall coverage that you need. Another factor that changes the needs of coverage are the drivers that are on your policy. Younger drivers have the potential to run up the amount of coverage that you need as do older drivers.

Another factor that might affect your coverage needs is your neighborhood. If you park on the street, live in a very populated city, live in an area where car break ins are common, or if you live in an area that is secluded or that has little traffic, these are all factors that change what coverage you need. It is important that when you are creating your policy, you take all possible factors into consideration to get the best policy possible.

A great agent will work with you to determine just what policy factors you have and what coverage is going to work best for you each and every time you have a claim. A very specific policy is the best way to go. For those that live in the Columbia, MO area, the agents with Walker-Winter Insurance can help.  

3 Things to Consider When Buying Home Insurance

Whether you just moved to Missouri or a native resident, you will want to make sure you protect your living space with home insurance. Walker-Winter Insurance provides home insurance options for the greater Columbia, MO area. These are some of the most important factors to consider before deciding on your home insurance policy.


Price is often the first thing people consider when reviewing policy options. However, it is also important to understand that there are certain factors that go into the price of your premium. When comparing rates, consider the type of home you have. For example, homes with standard frames usually are more expensive to cover under a home insurance policy when compared to homes made from brick. Insurance companies may also consider the age of your home before determining insurance options for your home. These factors will play a part in the price of your home insurance premium.

What’s Protected

You will also want to make sure you understand what is covered in your home owner insurance policy. Most insurance policies are intended to cover the cost of the home itself, but you will also want to protect your personal belongings or assets. Consider how much you can afford to pay out of pocket to protect your personal belongings. All it takes is one natural disaster or catastrophe for your items to be destroyed in a matter of moments.

Reputable Company

It is important that consumers work strictly with companies that have a good reputation for their services and are reliable. Walker-Winter Insurance is a reputable insurance company that serves the Greater Columbia, MO area and Kansas communities. Since insurance laws vary by state, talk to one of our trusted agents to see how Walker-Winter can work for you.

Understanding Insurance Coverage for a Home Business

Many homeowners assume that their home business is automatically covered under their home insurance. Although adding a business endorsement to your homeowner’s insurance policy may cover some aspects of your home business, you will likely need more coverage than what a home policy has to offer. By talking to a Walker-Winter Insurance agent in Columbia, MO, you can get a clearer picture of the type of insurance you should invest in to cover your home business needs.

Options for Home Business Coverage

Before starting a home business, review your homeowner’s insurance to refresh your memory on the coverage your current policy has to offer. Most home policies won’t cover business risks such as loss or damage to costly business equipment, third party business related injuries or loss of business income due to floods, fire, storms, etc.  

Depending on the nature of your small business, you may be able to add an endorsement to your current home policy to protect your business assets. An endorsement may suffice for a home business that doesn’t receive customers at home, has no employees (other than yourself) and doesn’t require the use of expensive equipment – all of which needs extra insurance protection.  Otherwise, you should consider obtaining business insurance to cover your business protection needs.

Business Insurance Coverage Options

With a business insurance policy, you can protect your home business from a number of risks to include:

  • Property damage (computers, goods, signage, etc.)
  • General liability (accidents, injuries, negligence)
  • Business interruption (loss of business due to fire, natural disasters, etc.)
  • Compromise of data (hacking, data theft) and more.

If you’re planning to start a home business in the near future, take time to discuss insurance options with a Walker-Winter Insurance agent in Columbia, MO, to ensure you get the full business protection coverage you need.  


What Criteria will Influence a Home Insurance Rate?

Most people understand that a home is expensive. For many people, a home is the most expensive purchase that they will ever make. It is only appropriate that this valuable asset is protected with home insurance. Everyone understands that home insurance will come with a cost but many people wonder what factors will influence the premium on their home insurance? Some of this important information is discussed below.

One of the first factors that will influence the rate on a home insurance policy is the location. Location determines property values, real estate taxes, and a host of other factors. If the insurance company believes that property located in a certain area is more valuable, they will charge a higher home insurance rate because they are providing coverage for valuable property. The location is one of the most important factors that influence home insurance rates and is a factor that everyone should consider before purchasing a home.

Next, insurance companies will also ask a customer what kind of coverage they would like. Some people might be interested in investing in natural disaster coverage. Other people will want additional protection for their personal belongings. Other people will be interested in living expenses coverage. The more coverage someone wants, the higher their home insurance rate will be.

Finally, a company will also take into account the claims that have been filed against a certain property. If a property has had claims in the past, it is more likely to have claims int he future. Therefore, the home insurance rate will be higher to hedge against this risk. 

People in Columbia, MO looking for home insurance should contact an experienced insurance agent with Walker-Winter Insurance serving Columbia, MO for more information. A professional agency will provide everyone with the home insurance to meet their needs.

Winter Home Checklist

Winter weather in Columbia, MO can get cold. You can bet we will have snow and ice this winter season. It is important during this time of year to take precautions to protect yourself and your home. At Walker-Winter Insurance, we hope our customers and their families are warm, cozy, and well-protected all winter long. If you haven’t prepared your home for the cold weather yet, you can still do so, but do not delay. Use this checklist to get your home ready.

Things to do for the Outside of Your House

The exterior of your home needs a little TLC to prepare for winter so make sure you have done the following maintenance tasks:

  • Examine the chimney and exterior bricks and repair any mortar joints that need to be fixed. Look for bird nests and debris that need to be removed from it.
  • Examine the roof damaged shingles or flashing. Both can be sources of water leaks during a strong storm so get them repaired promptly.
  • Clean debris from the gutters.
  • Clear yard of debris and branches.

Things to do for the Inside of Your House

While exterior maintenance serves as a good deterrent for trouble, there are also things to do inside to keep you and your family safe and warm.

  • Check the insulation in the attic. If you can see ceiling joists, add more insulation.
  • Check and replace the batteries in smoke and radon detectors. Buy extras to keep on hand.
  • Examine windows and doors for air leaks. Caulk windows and replace weather stripping on exterior doors to block cold air.

While Columbia, MO winters can get cold, routine winter maintenance will keep your home safe and warm. If something does happen and you need assistance, contact your agent at Walker-Winter Insurance for help. 

Prepare Your Home for Fall

Fall is a beautiful time of year. In Columbia, MO, you can see the leaves begin to change color and the air become a little cooler. Now is the time to get ready for fall. It’s a good idea to start cleaning your home and preparing it for the pre-winter season.

Dust is Not Your Friend

Dust gets everywhere. It crawls into spaces that you would never believe. It lives in corners and under beds. Start by wiping down all visible spots where dust can occur. The tops of tables, televisions, doorways, ceiling fans, chairs, and window treatments should be carefully wiped with a microfiber cloth. Go through your home and vacuum wooden floors, rugs, couches, and pillows. Any member of the family with allergies will appreciate the effort.

Use Water When Needed

If you don’t want to use special cleaners, a bucket of hot water can take the place of chemical treatments when you have tile and wood flooring. Glass and mirrors can also be cleaned with hot water and a microfiber cloth. Microfiber cloths leave fewer streaks on reflective surfaces than other cloths.

Deep Clean the Refrigerator

Although you may clean your kitchen regularly, it is time to add a more thorough touch. Pull out the refrigerator and vacuum the area using the attachments. Remove all of your food and wash each shelf with mild soap and water.   

Test Your Alarms

According to FEMA, smoke detector batteries should be replaced at least once a year. If you don’t have one, install it along with a carbon monoxide detector. Test them once a month. These alarms can save you and your family’s lives.

The team at Walker-Winter Insurance serves the Columbia, MO area. They are independent insurance agents that can offer you information about your home, auto, commercial, and other insurance plans. Check out Walker-Winter Insurance to start a new insurance policy or add coverage to your current one.

Home Insurance and the Average Buyer

Home insurance can be complicated but with the help of an insurance agent like those at the Walker-Winter Insurance in the Columbia, MO area you can find the policy that works best for you and for your home. Insurance policies can differ from one or two things or can be completely different policies that may not resemble one another at all. Knowing how to choose the right policy can make a world of difference.  

When you look at a basic policy for homeowner’s insurance there are going to be a few different aspects that are going to be universal across most policies. Most homeowner’s policies cover fire for instance. Most policies also cover the cost of the contents of your home based upon an estimated sum of money. Many policies also cover things like damage associated with a break in or theft, damage associated with wind and storm damage, damage associated with ice and winter storms, and more.

Damage as a result of a storm, wind, or winter weather is going to be classified as “An Act of God” and are going to be covered because they cannot be prevented by the homeowner. Fire, however, is going to be investigated to rule out arson and to protect both the homeowner and the insurance company. Your home is going to be insured for a specified amount of money that covers the cost of rebuilding if the house is totaled.

This is going to be a sum of money that is going to help you rebuild should your home be damaged. When it comes to home insurance most people find that they have enough coverage from a basic policy. You may need to increase coverage if you live in an area where flood is common or where earth quake is common as well.

For more information, if you live in the Columbia, MO area you can contact Walker-Winter Insurance for all your insurance questions.