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SBInsure SBInsure is a local leader in offering personalized risk management to individuals and businesses in

SBInsure is a national leader in brokering the right insurance & risk management services for businesses in the United States. With location in Union, MO SBInsure also offers personal insurance services such as life, home, auto, and health. Visit us on our website at www.sbi.insure for more information.

A Franklin County homeowner can stay with the same policy for years. New roof, finished basement, fence added — and the ...
10/16/2026

A Franklin County homeowner can stay with the same policy for years. New roof, finished basement, fence added — and the coverage may not have been updated to reflect those changes.

One gap that can develop is between the dwelling limit and what it would cost to rebuild the home today. It's not necessarily a bad decision. Life changed and the policy didn't.

That's what an annual policy review can help identify. It looks at the home you have now, not just the one you insured years ago. We represent multiple carriers here in Union, MO, so if the current insurer isn't the right fit, we can compare available options.

No pressure. Just an honest look before the next renewal date.

Has your coverage kept up with your home's changes?

A Franklin County contractor finishes a kitchen remodel. Three weeks later, the homeowner calls — a pipe fitting failed ...
10/14/2026

A Franklin County contractor finishes a kitchen remodel. Three weeks later, the homeowner calls — a pipe fitting failed and the floor is ruined.

That is the kind of situation where general liability coverage may come into play, depending on what caused the damage and the policy's terms. Without applicable coverage, the business may have to pay the loss itself.

Commercial property or inland marine coverage can help protect tools and equipment, depending on where they're stored and how the policy is written. Coverage for tools stolen from a vehicle is not automatic.

A Business Owners Policy typically combines general liability and commercial property coverage into one package. It is not a promise that every jobsite problem is covered. Faulty workmanship and tools or equipment away from the insured premises may require additional or different coverage.

We represent multiple carriers here in Union, MO, so we can compare coverage options for the business you actually run.

What coverage layer do you think most local owners skip first?

October is when many employers may be preparing for or holding benefits enrollment for the next plan year. Health, disab...
10/12/2026

October is when many employers may be preparing for or holding benefits enrollment for the next plan year. Health, disability, supplemental — this is the period when many employees can make changes to their benefits.

Miss your plan's enrollment deadline and you may have to wait until the next enrollment period to make certain changes, unless you experience a qualifying life event such as marriage, birth or adoption of a child, or loss of other health coverage.

Deadlines are not the same for every employer. Check your employer's enrollment materials for the dates that apply to you.

We work with multiple carriers and sit down with Franklin County employers to explain their options in plain language. No confusing brochures. No pressure.

Is your current benefits package still the right fit?

Missouri's minimum auto coverage is not enough coverage. It is the legal floor.Here's what 25/50/25 actually means: if y...
10/09/2026

Missouri's minimum auto coverage is not enough coverage. It is the legal floor.

Here's what 25/50/25 actually means: if you cause an accident, the policy covers up to $25,000 per injured person, $50,000 total for everyone hurt, and $25,000 for property damage. One serious injury. One newer vehicle. Those limits can be gone before the bills are.

A higher limit is a choice. It is not free, and it is not automatic. We represent multiple carriers, including Progressive and Liberty Mutual, so Franklin County drivers can see the difference before a claim does it for them.

The review is the conversation. The gap, discovered after a claim, is the expensive way to learn it.

The price you paid for your Franklin County home is not the same thing as what it would cost to rebuild it. If a covered...
10/07/2026

The price you paid for your Franklin County home is not the same thing as what it would cost to rebuild it. If a covered loss destroyed your home tomorrow, would your dwelling limit be enough?

Market value and replacement cost are different numbers. Replacement cost reflects what it would take to rebuild with materials of similar kind and quality, and insurers may require a home to be insured to a certain percentage of its replacement value to receive full replacement-cost protection.

Here's another distinction worth knowing: replacement cost coverage generally pays covered repair or replacement costs without deducting for depreciation, subject to the policy's terms and limits. Actual cash value generally subtracts depreciation. Some policies can even settle certain components, such as an older roof, differently from the rest of the home.

Your dwelling limit also shouldn't simply be assumed to stay adequate forever. Changes in rebuilding costs, renovations, and the home's characteristics can affect how much coverage you need.

That's why periodically reviewing your homeowners policy makes sense. An independent agent can review your current dwelling limit and compare available coverage options from the carriers the agency represents.

We do exactly that for homeowners in Union and across Franklin County.

When did you last have someone actually review your dwelling limit?

You've seen the headlines about homeowners in states like California facing nonrenewals and a difficult insurance market...
10/05/2026

You've seen the headlines about homeowners in states like California facing nonrenewals and a difficult insurance market. Missouri's market is different, but homeowners here have also felt the effects of costly severe-weather losses.

Insurers don't necessarily respond to those losses in the same way. Premiums, underwriting requirements, deductibles, and coverage options can vary significantly from one carrier to another.

As an independent agency in Union, MO, SBINSURE can compare homeowners options from multiple carriers it represents, including Progressive and Liberty Mutual. That doesn't guarantee a lower premium, and it doesn't mean every carrier will be an option for every home.

A policy review is about more than price. It's a chance to check whether your coverage limits, deductibles, endorsements, and insurer still fit your home and needs.

When did you last have your homeowners policy reviewed?

A captive insurance agent generally represents one insurance company. An independent agent can work with multiple insura...
10/02/2026

A captive insurance agent generally represents one insurance company. An independent agent can work with multiple insurance companies and compare options among the carriers the agency represents.

When we review homeowners coverage here in Franklin County, we can compare quotes from multiple carriers, including Progressive, Liberty Mutual, and others available through our agency.

Same house. Same homeowner. Different insurers can arrive at different premiums because each company uses its own rating and underwriting factors.

That's the point of working with an independent agency in Union. It doesn't guarantee you'll pay less, and no agency represents the entire insurance market. It gives you the opportunity to compare options from multiple carriers instead of seeing only one company's quote.

If you've never had a second look at your homeowners coverage, what's stopping you?

Most Franklin County families assume they're covered because their employer offers life insurance. That feeling of secur...
09/30/2026

Most Franklin County families assume they're covered because their employer offers life insurance. That feeling of security may not match reality.

According to the 2026 LIMRA Insurance Barometer Study, 38% of U.S. adults say they need life insurance or more of it. And a 2026 LOMA analysis found that almost none of those with coverage can say whether the amount is actually sufficient.

Here's the gap: a workplace policy typically covers one to two times your salary. If your family depends on your income, that rarely covers a mortgage, childcare, and years of living expenses.

September is Life Insurance Awareness Month — a good reason to sit down with us for a review. We represent multiple carriers, which means we shop coverage options across the market for Franklin County families, not just one company's offerings.

Do you know how much coverage your family would actually need?

09/28/2026

Update: We are back online! That's why you work with great local IT teams like NOC Technology!

Our team is experiencing technical difficulties this morning. If you tried calling and are getting a busy signal, we apologize! We will update you once we are back online.

Flooding can happen in Franklin County even when a home isn’t located in a FEMA-designated high-risk flood zone. We’d ra...
09/28/2026

Flooding can happen in Franklin County even when a home isn’t located in a FEMA-designated high-risk flood zone. We’d rather have that conversation before a loss happens.

Here’s what homeowners should know: your flood zone is one indicator of your property’s flood risk, and it can also affect whether a lender requires flood insurance. But being outside a high-risk zone does not mean there’s no risk. From 2014 through 2024, 29% of NFIP flood claims came from areas outside high-risk flood zones.

Most standard homeowners insurance policies do not cover flood damage. A separate flood policy is generally needed for losses caused by flooding.

Flood insurance is an added expense, but the cost varies by property and risk. Homes in lower-risk areas generally cost less to insure than comparable homes in higher-risk areas.

As an independent insurance agency, SBInsure represents multiple carriers and can help homeowners explore available flood coverage options. Our agency also offers flood insurance for properties that may be exposed to rising water.

And there’s a good reason not to wait until flooding is imminent: new NFIP policies generally have a 30-day waiting period before coverage takes effect, although exceptions apply.

If you’re not sure what your current policy covers when it comes to flooding, that’s worth a conversation.

Address

2 Williams Drive
Union, MO
63084

Opening Hours

Monday 8am - 4:30pm
Tuesday 8am - 4:30pm
Wednesday 8am - 4:30pm
Thursday 8am - 4:30pm
Friday 8am - 4:30pm

Telephone

+16365832313

Website

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