Blog Articles

Summer is prime time for home enjoyment. It’s also when certain property risks sneak up unnoticed. While we’re all focused on cookouts, vacations, and keeping cool, the sun and heat can quietly be taking a toll on your property. Staying aware of these risks isn’t just about prevention. It’s about protecting the investments you’ve worked hard for.

1. UV Damage Isn’t Just for Skin

That relentless summer sun can degrade more than you think. Shingles, siding, decking, and outdoor furniture can all suffer long-term wear from intense UV exposure. This kind of deterioration isn’t generally covered on your policy, but ignoring the signs can lead to extensive and cascading damage. Make sure you’re keeping tabs on how your exterior holds up through the season.

2. Vegetation Can Be a Fire Hazard

Missouri summers bring heat and growth. Trees and shrubs that get too cozy with your siding, fencing, or outbuildings can increase your fire risk. The combination of dry branches, dead leaves, and summer heat is no friend to your property. Vegetation also creates easy entry points for pests, and can block ventilation systems and outdoor unit access.

3. Outdoor Kitchens Need More Than Good Recipes

Grills, smokers, and outdoor appliances add flavor to your summer, but they also bring real risk if not used and maintained safely. Check for cracked hoses, frayed wiring, or improperly stored fuel. And don’t forget your coverage. Some outdoor fixtures may require specific language in your policy or a special endorsement to be fully insured.

4. The Vacation Home Vibe Comes with Risk

If you have a second home or a vacation rental, summer might be its busiest and riskiest season. These properties often sit unattended, making them a target for theft or vulnerable to unnoticed damage. The right insurance protection should include seasonal occupancy clauses and clear documentation of assets kept on-site.

Summer Property Risk Checklist:

• Inspect roof and siding for UV damage or warping
• Trim all trees and shrubs at least 5 feet from structures
• Check and clean grill components before every use
• Secure and document outdoor fixtures like pergolas and kitchen appliances
• Review your vacation home coverage for fire, theft, and occupancy changes
• Update your property inventory with photos included for all locations

Staying cool this summer isn’t just about comfort. It’s about taking a proactive approach to summer risk prevention. Your property faces unique exposures in July and August. Now’s the time to review your policy, inspect your space, and talk to your agent about where you may need extra protection. We’re here through all the seasons and all the reasons you need us!

As the temperature rises and summer days stretch longer, backyard pools become the centerpiece of fun for many Missouri families. Whether you’re planning pool parties, enjoying a quiet float, or watching kids dive in with excitement, there’s more to pool ownership than fun and sunscreen. There are serious liability risks and potential gaps in insurance coverage that every homeowner should understand.

Pool Ownership: More Than Just Water and Sunshine

Owning a pool adds value and enjoyment to your home, but it also introduces risk. Every insurance provider has its own underwriting guidelines regarding pools, so coverage may vary depending on the type, features, and safety measures in place.

A few factors that could influence your coverage:

• In-Ground vs. Above-Ground: Some carriers may cover one and not the other. Others might require additional documentation or endorsements.
• Fencing and Gates: There are state, county, and municipal requirements in most of Missouri regarding the safe enclosure of pools. Insurance carriers have underwriting that typically looks for self-latching, lockable gates and barriers that meet local codes and more.
• Diving Boards & Slides: These fun features often come with added risk. Their presence could limit your ability to obtain coverage and even require additional endorsements.
• Pool Parties & Guests: Injuries to visiting friends or family could open the door to liability claims. A guest slipping on wet concrete or diving into shallow water may result in costly litigation.

Safety First: Protecting People and Property

To help reduce the risk of accidents and protect your home and guests:

• Install and maintain proper fencing, with a locking gate
• Use pool covers when not in use
• Keep rescue equipment nearby
• Never leave children unattended near water
• Post visible pool rules for guests
• Regularly inspect diving boards and ladders for safety

So, Is Your Pool Covered?

The answer depends on your policy and provider. Some carriers may require prior approval before insuring a home with a pool. Others might exclude pools with certain features, or require additional liability coverage. The best way to know? Schedule a policy review with your agent before the season gets into full swing.

A quick conversation could help you:

• Identify any exclusions or limitations in your current policy
• Understand how your pool affects your liability risk
• Determine if an umbrella policy could provide the peace of mind your family deserves

Don’t Let Coverage Gaps Sink Your Summer

Having a backyard pool is a joy, but only when it’s paired with safety awareness and proper insurance coverage. Take the time to check in with your local agent and ensure your policy is in shape for the season.

Through all the seasons and all the reasons, LCM Insurance Agency Inc is here to help protect what matters most.

Understanding the Basics of Water Damage Coverage in Your Missouri Home or Farm Policy

Water can be one of the most destructive forces for your home or farm, and when it gets inside, the damage can be costly. Whether you are protecting your primary residence, rental property, seasonal home, or outbuildings, it is important to understand how your insurance policy may respond to water damage.

The challenge is that coverage depends on what caused the water to get in. Not all water-related losses are treated the same. Some situations may be covered under your homeowners or farm insurance, while others are likely not.

Here are a few examples to help clarify the differences.

Sudden Pipe Burst – May Be Covered

A pipe that bursts without warning and causes immediate damage is typically considered a covered peril on standard homeowners or farm insurance policies. This kind of event is unexpected and accidental, which aligns with how most policies are written.

It is important to take preventive steps, especially during colder months in Missouri, such as maintaining indoor heat to help prevent frozen pipes.

Slow Leaks Over Time – Likely Not Covered

Damage from slow, continuous leaks that develop over time is usually not covered. For example, a small leak under a sink or behind a wall that goes unnoticed for weeks or months could be considered a maintenance issue. Insurance policies are not designed to cover wear and tear or neglect.

Sump Pump or Backup Failure – May Be Covered with Endorsement

If your sump pump fails and your basement floods, there may be coverage if your policy includes a specific sump pump or water backup endorsement. These endorsements often carry their own limits and must be added to your policy ahead of time, so it is important to discuss this with your agent before a problem occurs.

Surface Water or Groundwater – Likely Not Covered

Water that enters the home from outside, such as heavy rains that cause pooling or runoff into a basement, is usually classified as surface water. Standard homeowners and farm policies typically do not cover this type of damage. These situations may fall under the category of flood, which requires separate flood insurance coverage.

Flood insurance is available through the National Flood Insurance Program (NFIP) and is highly recommended for properties located near rivers, low-lying areas, or places prone to runoff. Our agents are able to facilitate the NFIP for you.

So, What Should You Do?

Protecting your property starts with two things: knowing what your insurance policy may cover, and taking steps to prevent water damage in the first place.

Regular home maintenance is a critical part of prevention. Here are some tasks every property owner should prioritize:

• Keep gutters cleared at least twice per year.
• Ensure downspouts extend far enough from your foundation to carry water away.
• Make sure the grade around your home slopes away from the foundation.
• Test your sump pump system twice a year.
• Check for signs of leaks under sinks, around appliances, and near water heaters.
• Always keep the number of a trusted mitigation expert on hand. Most of them have 24/7 emergency service. Waiting on water damage will lead to extenuating damage and potentially severe health risks.

Taking care of your home can help you avoid unexpected water damage and ensure that, if something does happen, you have the right coverage in place.

At LCM Insurance Agency Inc, we are here through all the seasons and all the reasons you need us. Our knowledgeable team is happy to review your current coverage and make sure it aligns with your needs—whether you are in town, on the farm, or somewhere in between.

Spring in the Midwest is a welcome sight—longer days, blooming trees, and the promise of warmer weather. But with the shift in seasons comes the perfect opportunity (and responsibility) to do a thorough spring cleanup around your home and property. At LCM Insurance Agency Inc., we believe preventive maintenance is one of the best ways to avoid costly claims—and protect what matters most.

As an insurance agency serving our neighbors with homeowners insurance, farm coverage, liability protection, and more, we’ve seen how a little attention in spring can prevent big problems down the line.

Here are some key spring cleanup tasks we recommend:

Home & Property Spring Checklist:

• Inspect tree limbs and branches for winter damage. Remove any that are broken or hanging precariously near your home, vehicles, or utility lines.
• Schedule HVAC maintenance to ensure your system is ready for the summer heat. A tune-up now can prevent breakdowns later.
• Check your roof for missing shingles, lifted flashing, or other signs of damage from snow, ice, or high winds.
• Examine your siding and gutters for any cracks or blockages that could lead to leaks or water backup.
• Look for standing water near your foundation. This could signal poor drainage, which may increase your risk of water seepage into the basement.
• Assess walkways, driveways, and patios for cracking or shifting caused by freezing and thawing cycles.
• Test outdoor spigots and irrigation systems for freeze damage.
• Review your homeowners insurance policy to ensure your coverage reflects your current needs—especially if you’ve made upgrades or plan to.

If you live on a farm or own tractors, combines, ATVs, or other implements, now is also the time to:

• Inspect all equipment for wear and tear before planting season.
• Check that your farm personal liability coverage is current and reflects the scope of your operation.
• Review your umbrella insurance or commercial insurance needs if your business is growing.

At LCM Insurance Agency Inc., we’re proud to be here through all the seasons and all the reasons you need us. Cathy Filsinger and Jeff Davis are always ready to help you understand your options, whether you’re reviewing your current homeowners insurance policy or looking into farm, auto, or rental property coverage.

Need a spring insurance checkup?

Contact us today to review your policies or ask about coverage updates that match your life today.

Missouri’s weather can change in an instant, making preparedness essential. From strong winds to damaging hail, severe thunderstorms can bring serious risks to homes, farms, and businesses. At Lincoln County Mutual Insurance Agency, we want to ensure you have the knowledge and coverage needed to protect your property, family, and livelihood.

Recognizing Severe Weather

Severe thunderstorms bring high winds, lightning, and hail, all of which can cause costly damage to homes, farm buildings, and vehicles. Hail size is often measured by comparison to everyday objects:

• Non-Severe: BB (1/8 inch), Pea (1/4 inch), Marble (1/2 inch)
• Severe: Quarter (1 inch), Walnut (1 1/2 inches), Golf Ball (1 3/4 inches)
• Significant Severe: Egg (2 inches), Tennis Ball (2 1/2 inches), Softball (4 1/2 inches)

Wind and hail can result in roof damage, broken windows, dented vehicles, and destruction of farm equipment such as tractors, combines, and other farm implements. Homeowners insurance and farm personal liability coverage can help protect against these costly events.

What to Do During Severe Weather

At Home:

• Seek shelter in an interior room on the lowest floor.
• Stay away from windows and doors.
• Put as many walls between you and the outside as possible.

In a Vehicle:

• Avoid driving during severe thunderstorms.
• If caught in a storm, pull over in a safe location and remain inside the vehicle.
• Park under cover if possible, such as a garage or carport, to reduce hail damage.

On the Farm:

• Secure farm equipment and livestock ahead of time.
• Move ATVs, UTVs, and farm vehicles into barns or storage areas.
• Check that your farm insurance policy covers wind and hail damage.

Protecting Your Property

Before a storm hits, take proactive steps to safeguard your home and business. Homeowners insurance policies vary, so talk with your agent and understand the type of coverage you have. Is it a replacement cost policy or an actual cash value policy? It’s important to understand the difference. If you own rental property or multi-family dwellings, check that your coverage accounts for potential storm damage. Commercial auto and fleet insurance can protect business vehicles from hail-related losses.

Severe weather is unpredictable, but being prepared can make all the difference. At Lincoln County Mutual Insurance Agency, we provide comprehensive insurance solutions for homes, farms, businesses, and personal property across Missouri, including Lincoln, Warren, Pike, and Montgomery counties.

We are here through all the seasons and all the reasons you need us. Contact us today to review your homeowner insurance policy, farm liability, or business insurance to ensure you’re fully protected against Missouri’s wild weather.

Jeff Davis, Agent
636.528.8242 or 636.290.6052
[email protected]

Cathy Filsinger, Agent
636.528.8242 or 636.290.6049
[email protected]

Winter in Missouri brings crisp air, snow-covered fields, and plenty of opportunities for outdoor fun. Whether you’re sledding down a hillside, clearing snow from your driveway, or riding a snowmobile across the countryside, winter adventures come with risks. Fortunately, having the right property and casualty insurance coverage allows you to enjoy the season worry-free.

1. Sledding on Your Own Property

The Fun: There’s nothing quite like the thrill of racing down a snow-covered hill in your own backyard, laughing with family and friends.

What Could Go Wrong: A rough landing could lead to an injury, or someone could accidentally crash into a tree or fence, causing property damage.

Insurance Protection:

• Homeowners Insurance may cover medical expenses if a guest is injured while sledding on your property.
• Umbrella Insurance may provide extra liability protection if an injured guest sues for damages.

2. Sledding at a Friend’s Place

The Fun: Sledding at a friend’s farm or a neighbor’s large property can offer bigger hills and more excitement.

What Could Go Wrong: If you or your child is injured on someone else’s land, medical costs could become a concern.

Insurance Protection:

• Personal Liability Coverage on the property owner’s Homeowners Insurance may help cover your medical expenses if you are injured.
• If you’re the property owner, Umbrella Insurance may provide added protection in case of a lawsuit.

3. Snow Plowing Your Driveway or Gravel Road

The Fun: In rural Missouri, keeping your gravel driveway or private road clear of snow is essential. Many folks also lend a hand by plowing a neighbor’s drive.

What Could Go Wrong: Hitting an unseen object under the snow could damage your plow or vehicle. If you clear someone else’s driveway and they slip and fall, liability issues could arise.

Insurance Protection:

• Auto Insurance with Comprehensive and Collision Coverage may help pay for vehicle or plow damage.
• Commercial Liability Insurance is essential if you plow driveways for extra income.
• Umbrella Insurance may offer additional liability protection if someone claims you caused their injury.
• Personal policy could have coverage, but be sure your equipment is covered off-premise if you plan to help neighbors or on public roadways.

4. Snowmobiling Across Fields & Trails

The Fun: Riding a snowmobile through open fields and wooded trails is a thrilling way to enjoy Missouri’s winter landscape.

What Could Go Wrong: Accidents with fences, trees, or other snowmobiles could lead to injuries or property damage. Theft is also a concern for expensive snowmobiles.

Insurance Protection:

• Inland Marine Insurance may cover damage or theft of a snowmobile, whether at home or while transporting it.
• Liability Coverage may protect against damages if you hit another person’s property.

5. Sliding Off the Road & Hitting Someone’s Property

The Fun: Winter road trips to visit family and friends often include scenic drives through snowy countryside.

What Could Go Wrong: Hitting black ice or losing control on a gravel road could send your car into a fence, barn, or another vehicle.

Insurance Protection:

• Auto Insurance with Property Damage Liability may cover damage to someone else’s fence, building, or vehicle.
• Collision Coverage may help pay for repairs to your own car.
• Umbrella Insurance may provide extra liability coverage if damages exceed standard limits.

Enjoy Winter, Stay Protected

Rural Missouri winters offer plenty of fun, but being prepared for unexpected mishaps ensures you can fully enjoy the season. With the right homeowners, auto, umbrella, and inland marine insurance, you can stay covered no matter what winter brings. Your agent should always be your top resource for coverage questions. Not all policies are built the same as no one has “one size fits all” needs.

Need a policy review or coverage for winter risks? Contact Cathy Filsinger or Jeff Davis at LCM Insurance Agency, Inc today to discuss your options!

Do you know an outstanding Missouri Class of 2025 high school senior or current college student attending, or who plans to attend, a post-secondary School?

(Including but not limited to: two-year, four-year, or any trade school)

This year MAMIC will award several $1000 high school scholarships and one $1000 college scholarship to outstanding students living in Missouri attending any post-secondary school.

We are looking for some great 2025 candidates to be our annual scholarship award recipients!

Important things to know about the MAMIC Scholarship Program:

1. Any student living in Missouri, attending any post-secondary college, community college, or trade school, is eligible to apply, even if the school is out of state.
   The student does not have to be affiliated with a MAMIC Mutual member and does not have to attend a Missouri Post Secondary School.
2. We will only accept MAMIC.net online applications.
   Paper applications will not be accepted.
3. The MAMIC Scholarship application deadline is March 1, 2025.
   Applicant must submit an online application, transcript, release form, and photo by 10:00 pm March 1, 2025 to qualify. Any incomplete applications will automatically be disqualified.
4. Please help us spread the word by forwarding this information and the below link to your customers, friends, and area schools and school counselors.
   The more people that know about the Scholarship Program, the more students we can reward.

It’s summer time and the best time to be hanging out around your pool with your family and friends. While pools can be so much fun for everyone, they can also be very scary. According to the Consumer Product Safety Commission, on average, 350 children under the age of 5 drown each year in a pool. Ensure your pools is safe for everyone with the help from these safety tips:

Install a fence around your pool and keep it locked when an adult is not present
Stay away from pool drains
Know how to preform CPR on children and adults
Never leave a child unattended in or near water
No running
Never swim alone
Teach children how to swim

Before taking your boat out this summer, double check that you have all of the required safety devices before heading out on the water. Visit the Missouri State Highway Patrol’s website to brush up on your boating laws and responsibilities to avoid a ticket while on the water.

Required by the Coast Guard
A life jacket that fits every person on your boat
A throwable flotation device
A fire extinguisher
Visual signaling devices, such as flares
Sound signaling devices, such as a horn or whistle

Extra supplies in case of emergency
First aid kit
Oars
An orange flag – to be displayed when a person is in the water
A cell phone or boat radio to call for help, if needed
Anchor

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!