LCM Insurance Agency, Inc.

Life is unpredictable, and you never know what could happen to the things that you value. You can depend on us to protect your home, automobiles, personal property, business, farm equipment, livestock and more!

June 8, 2021

Side by sides have become a very popular recreational activity. Is your side by side insured? We offer some great UTV policies to protect not only your machine, but also you and your passengers in case of injury. Give us a call to discuss your options!

May 5, 2021

Do you own a lawncare company? Do you have commercial general liability insurance? If you answered no to the second question, give us a call! We offer affordable general liability policies to protect against injuries to your clients and damage to their property.

April 27, 2021

Summer is right around the corner which means BBQ season is near too. Keep yourself safe this grilling season with these safety tips:

🌭Keep your grill at least 10 feet away from your house
🌭Clean your grill regularly
🌭Check for gas leaks
🌭Keep decorations away from your grill
🌭Keep a fire extinguisher within a couple steps of your grills
🌭Never turn on the gas while your grill lid is closed
🌭Never leave your grill unattended
🌭Never use your grill in your garage or under a porch

April 19, 2021

Did you know that Spring is the best time to buy or sell a house? The experts say that Spring brings out the most buyers because the longer days and warmer weather make people want to get out and look at homes. They also say that many buyers start searching in Spring expecting to close no later than the Summer. This gives families an ample amount of time to get acclimated to their new neighborhood and school district before the start of the new school year. If you are searching for a new home, we would be happy to give you a quote for insurance!

April 15, 2021

Traditionally, April 15 is tax day. However, the IRS has announced that they have pushed the federal income tax filing due date back to May 17, 2021. If you have been putting your taxes off, you still have one more month to get them done!

April 11, 2021

If you are planting a garden this summer, this is a helpful list on when to plant!

March 23, 2021

March 23, 2021 is National Ag Day. Today we would like to say THANK YOU to everyone who works in acres, not hours; spends the freezing cold days and the blistering hot days caring for animals; and all of those who dedicate their life to feeding the world. We appreciate you each and every day for all that you do!

March, 17, 2021

The first St. Patrick’s Day celebration in the United States was held in Bostin in 1737. Check out these other interesting facts about St. Patrick’s Day:

🍀 The color of St. Patrick’s Day was originally blue
🍀 Beer is one of the most widely consumed beverages on St. Patrick’s Day
🍀 Legend says that each leaf of the clover has a meaning: Hope, Faith, Love, and Luck
🍀 Your odds of finding a four leaf clover are 1 in 10,000
🍀 Chicago dyes the river green in celebration of St. Patrick’s Day

March 11, 2021

March 11 is National Worship of Tools Day. This is a day to go out to the garage, shed, or wherever you keep your tools; clean them, reorganize them, make something new with them, or maybe go buy a new one. Even better, call your insurance agent to ensure your tools are covered on your policy!

February 23, 2021

Take a minute to look up on a windy day. Are your shingles clapping? Are your gutters dangling? Is your siding clapping? If you can answer ‘yes’ to any of these questions, that is a sure sign that you need maintenance on your home ASAP or you will risk water damage. Take the extra step to prevent a loss!

February 8, 2021

With the cold weather officially set in, don’t be a victim to frozen pipes. Use these tips to prevent your pipes from freezing.

January 26, 2021

Equipment Breakdown coverage is now available through your home insurance! Equipment Breakdown coverage protects you against unexpected repair or replacement costs due to electrical, mechanical, or pressure systems breakdown. Equipment Breakdown coverage is only $48 per year and covers the following items:

👕 Washers and dryers
💻 Computer equipment
🍽 Dishwashers
🍗 Freezers
🥐 Garbage disposals
🔥 Heating and air conditioning units
📷 Home security systems
🥛 Refrigerators
💡 Lighting and home environment monitoring
🥓 Microwaves
🍕 Ovens
🔌 Sump pumps
🖥 Televisions
🎙 Sound systems
🏝 Swimming pool equipment
💦 Water heaters
💧 Well pumps

Talk to your agent about adding this to your policy!

January 21, 2021

Did you know we have a fault line right here in Missouri?! According to the Missouri Department of Natural Resources, a sequence of earthquakes occurred near New Madrid, MO in 1811-1812 that included three of the most intense to ever occur in North America. Each year, about 200 shocks are detected near the fault line.

You have the ability to ensure that your home is protected in the event of an earthquake. Talk to your agent about adding earthquake coverage to your policy!

January, 8, 2021

If you are using alternative heating methods in your home this winter, ensure that you keep your family and your home safe by following these tips from the Missouri State Fire Marshal.
1. Never use your oven to heat your home
2. Keep anything that can burn at least three feet away from heating equipment
3. Have heating equipment and chimneys inspected every year
4. Never plug a space heater in to a power strip

December 29, 2020

Did you know that you can insure your home while it is under construction? Your property is important to us. If you are in the process of building, give us a call to learn about how you can insure your new build with our Builder’s Risk policies.

December 16, 2020

If you are felling like Clark Griswold this year, be sure that your Christmas lights and decorations are installed properly. According to the National Fire Protection Association, U.S. fire departments respond to an average of 780 house fires that are caused by Christmas lights. Follow these simple tips to avoid a fire:

🎄Inspect your lights before installing them
🎄Never overload a circuit
🎄Turn off all lights before leaving the house or going to bed
🎄Use heavy-duty extension cords

December 9, 2020

According to CNN, home burglaries are up by 13% in the month of December. If you are traveling this holiday season, consider these helpful tips to keep your home safe.

🔑 Never leave your keys outside. Give your house keys to a sitter or neighbor in person.
💡 Leave a light on. Make burglars think that you are home by leaving the kitchen or bathroom light on.
💰 Hide your valuables. Be sure to close your blinds so that your possessions are out of sight.
🎥 Use a security system. If a security system is out of your budget, put up a fake security sign in your yard.
📞 Notify someone. When making your plans to leave town, inform a trusted neighbor or family member and ask them to drop by periodically and scope out the property.

November 30, 2020

With winter approaching, is your shed covered in the case of a collapse from ice or snow? According to recent data from FEMA, it can take anywhere between 2-4 feet of snow to collapse a roof. Ensure you’re protected by contacting your agent to add Weight of Ice and Snow coverage to your outbuildings!

November 23, 2020

If you are a farmers, you know that tractor windows break more often than you would like. Did you know that you can add Glass Breakage to your insurance policy? Glass breakage coverage is only $9/year per piece of equipment and has a $0 deductible!

November 16, 2020

Winter is quickly approaching and a winter storm can approach just as fast. Don’t forget to equip your vehicle with necessary items in case you get caught in a snow storm. Use this checklist to ensure you are ready:
🩹First-aid kit
💊Necessary medication
🧰Small tool box
🧤Warm clothes, gloves, and blankets
🥜Nonperishable foods and bottled water
🔌Jumper cables
⛱Sand or kitty litter and a shovel

October 13, 2020

If you farm you know machinery and equipment is being moved around from one place to another frequently. Did you know, if you are towing a piece of equipment with a vehicle and an accidental collision or overturn occurs your equipment may not be covered? Protect your equipment from this risk by adding a Machinery Transportation endorsement to your policy!
September 14, 2020

It’s harvest season which means slow moving equipment must travel on public roads to move from field to field. This is a necessary part of harvest, but it can pose a serious safety risk for both motorist and farmers. Please remember to slow down, be patient and pass with caution when you see farm equipment on the road.

September 1, 2019

Outbuildings come in all shapes and sizes and all are not equal. Talk to your agent if your outbuilding has upgrades such as electric, insulation, special lighting, sheet rock, etc. It’s your investment, don’t lose your investment by being under insured, and a loss happens.

August 18, 2020

Ever heard of an “attractive nuisance”? Kind of an oxymoron…but you are looking at what some court cases involving pools call and “attractive nuisance.” It attracts children by having that “wow” factor. Insurance companies have underwriting guidelines in place depending on the type of pool, but our main goal is to protect children and animals from easy access and drowning. Thus keeping you out of a lawsuit and the courtroom. If you have a pool or are thinking of getting one, check with your insurance company to see which underwriting guidelines are there to help you stay safe.

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