About Us

Meadow Park Insurance carries insurance for all aspects of your life including:

• Auto  • Property

• Toys (Boats, Cycles & RVs)  • Life, Health & Travel

Quick, comparative quotes from A-rated carriers are just a phone call or e-mail message away. We offer the best local service and have been providing it since 1965.

636-386-8815

Why an Independent Agent?

Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value.

With other agencies, you get one company that sells one brand of insurance. With an independent insurance agent, you get choices.

Why? Because independent insurance agents, like Meadow Park Insurance Agency, represent multiple brands, and can compare coverage and prices to find the best possible value for your individual circumstances. As independent agents, we are members of the Manchester community, and we’re committed to doing business face-to-face and being your advocate in times of need.

Serving Manchester and the state of Missouri

• We work for you when you have a claim.
• We are not beholden to any one company. This means you don’t have to change agencies as your insurance and service needs change.
• We are your consultants, working with you as you determine your needs.
• We are value-hunters who look after your pocketbook in finding the best combination of price, coverage, and service.
• We offer one-stop shopping for a full range of products, including home, renters, auto, business, life, health, and retirement plans.
• We can periodically review your coverage to keep up with your changing insurance needs.
• We are committed to customer satisfaction – it’s the key to our livelihood.
• We treat you like a person, not a number.
• We are licensed professionals with strong customer and community ties.

There is a difference. To find out how an independent insurance agent can help you find the right insurance coverage, please contact us today.

Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy also provides 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. Work with one of our experienced Account Managers to determine the best coverages for you.

Insurance for All Kinds of Vehicles!

Missouri – How much auto insurance is right for you?

Based in Manchester, our team understands the auto 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, or:
• 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, or
• Both coverages.

Even in states where coverage isn’t required, drivers must, by law, 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 insurance 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 coverage is very similar to collision coverage – the main difference is that comprehensive covers damage caused to your vehicle caused by any unknown party or “act of God”. Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive automobile insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.

Business Use Warning

If you’re planning to make a little money on the side plowing snow or if your kid is thinking about breaking into the pizza delivery business, you need to be aware of the dangers this may present. Most personal auto policies will exclude coverage for most business uses like these. Typically, an exposure like that will only be covered by a commercial auto policy.  Don’t find out the hard way what your policy doesn’t cover. Ask first. That’s what we’re here for.

Every person is unique – talk to us today to find out how to get the best price and value on auto insurance for you.

Home Insurance – Protecting Manchester

Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. We can help you find the insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Insurance for All Kinds of Homes

Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!

Missouri – What you need to know about homeowners insurance

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

 

Types of homeowners’ coverage

• Structural – Covers damage to your home or dwelling.
• Personal Belongings – Covers damage to items in or on your home or dwelling.
• Liability Protection – Covers your legal responsibility for injuries or damage to other people or property.
• Additional Living Expenses – Covers costs for temporary housing, meals, etc., while your home is being restored or rebuilt.

Structural and Personal Belongings coverages are available on an actual cash value (ACV) basis or at full replacement cost. ACV coverage considers the current market value of an item based on its age and condition. So, if you purchased a television for $400 four years ago, the value today would be significantly less than it was when you purchased it. ACV coverage would depreciate the item’s value to determine the current value. Full replacement cost considers the current cost to replace an item.

Protect the Things that Matter to You

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you.

Business Auto Insurance

Commercial Auto Insurance – Serving Manchester and the state of Missouri

Business auto insurance provides for bodily injury liability and property damage, as well as for injuries/damage the policyholder causes to someone else when operating a company automobile. Medical payments or Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder’s car are also covered.

Hired/Non-owned Auto Liability

This particular coverage provides a business with business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired) or a non-owned vehicle (employee using their own vehicle on company business). This can often be inexpensively be added to the business auto policy or in some cases a general liability policy.

Every business is unique – talk to us today to find out how to get the best commercial auto insurance service price and value.

Life Insurance

Life insurance is a crucial step in planning for your future and the future of your loved ones. It can fulfill promises made to your family if you are no longer around by providing a death benefit to your beneficiaries in return for premiums paid to the insurance company. Life insurance can also provide benefits while you are living.

Advantages of the Death Benefit

Provides income tax-free money to your named beneficiary(s) that can be used to pay funeral expenses, debt, tuition, estate taxes or virtually any financial need you leave behind.
Can provide business security by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.

Advantages of Living Benefits

The cash value growth of a permanent life insurance policy is tax-deferred¹, which means you do not pay taxes on the growth of the cash value unless the money is withdrawn.
Loans² or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.

1. Accumulated growth may be taxable upon withdrawal. If the policy is a Modified Endowment Contract (MEC), tax penalties may apply prior to age 59 1/2. Consult a tax advisor on your specific situation.

2. Policy loans and withdrawals reduce cash value and the death benefit and may be subject to other charges outlined in the contract.

Don’t leave your future and your loved ones to chance. Talk with us today to identify the best protection for you. We can help make sure your life insurance continually meets your needs.

Other Insurance

Based in Manchester, our team understands the business insurance needs of our customers. Every need is unique, which is why we provide many types of insurance. As independent insurance agents, Meadow Park Insurance Agency can help you find the coverage that best suits your particular needs and provides you with the greatest value.

Boat & Watercraft Insurance

We offer policies for a wide variety of pleasure boats. From sailboats to powerboats, we will recommend the protection that’s right for you.

Recreational Vehicle Insurance

No matter what kind of RV you own—motor home, trailer, or camper—knowing you’re covered will give you the peace of mind to relax and enjoy your journey.

Flood Insurance

Flood Insurance is offered through the National Flood Insurance Program. Although the government actually provides the coverage, our agency issues the policy and, in the event of flood damage to your insured property, would also service your claim.

Landlord Protection Insurance

Loss assessment protection is available to owners of residential property in condominiums, homeowners associations, and other planned communities. A wide array of options and coverages are available to fit your needs. Talk to an account representative today.

Personal Umbrella

Monetary damage awards from lawsuits continue to increase. Personal Umbrella policies provide you with an extra layer of liability coverage above and beyond what your auto, home or boat policies provide. Check with us to see if an Umbrella Policy makes sense for you.

Talk with us today to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets all your needs.

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