JMO Insurance LLC

$200/month adds up fast.

I recently reviewed a family's auto insurance and was able to save them over $200 per month.

That's nearly $2,400 per year staying in their pocket.

The surprising part? They hadn't shopped their insurance in several years and assumed they were getting a competitive rate.

Insurance rates change all the time. What was the best option a few years ago may not be today.

If you'd like a second opinion on your current coverage, feel free to reach out.

📞 JMO Insurance

Local. Independent. Here to help.

Memorial Day weekend may be over, but protecting what matters never takes a holiday. 🇺🇸

Whether it’s your home, autos, business, rentals, or toys, we shop multiple carriers to make sure you’re not overpaying or underinsured.

If your policy hasn’t been reviewed in a while, let’s take a look.
📞 636-566-0220
🌐 jmoinsurance.com

Still with the same insurance company because “it’s easier”?

That’s exactly how people end up overpaying.

At JMO Insurance, I shop multiple carriers so you don’t have to waste hours calling around.

Home • Auto • Business

Get a quick quote comparison. You might be surprised.

📞 636-566-0220
🌐 JMOInsurance.com

Jefferson County friends

If your insurance has renewed in the last 12 months, there’s a good chance you’re paying more than you should.

I built JMO Insurance to make shopping coverage easy without the runaround.

Home • Auto • Business

Local service. Multiple carriers. Real advice.

Message me if you want me to compare your current policy.

Quick question…

Do you know if your homeowner's policy pays to rebuild your roof at FULL replacement cost… or after depreciation?

Most people have no clue until they file a claim.

That’s exactly why I built JMO Insurance.

We compare multiple carriers and actually explain what you’re buying, without the insurance jargon.

If you want a second opinion on your current policy, shoot me a message.

📞 636-566-0220
💻 jmoinsurance.com

Being independent means I’m not tied to one insurance company.

That means I can shop multiple carriers to help find the best combination of coverage, price, and value for my clients.

Auto • Home • Business • Recreational

JMO Insurance
📍Festus, MO
📞 636-566-0220

This is one of the biggest mistakes I see on insurance policies:

Replacement Cost vs. Actual Cash Value (ACV)

Sounds boring… until you have a claim.

Here’s the difference:

Replacement Cost → pays what it costs to replace something today
Actual Cash Value → pays what it’s worth after depreciation

Example:
Your roof gets hit by hail.

– Replacement Cost → insurance helps pay for a brand new roof
– ACV → you might only get a fraction of that because of age/wear

I’ve seen people think they’re covered… then get a check that doesn’t come close.

A lot of policies quietly switch roofs (and other items) to ACV.

If you’re not 100% sure what yours is, you should check.

As we head into storm season, a few quick things to keep in mind:

• Secure anything loose outside (patio furniture, grills, etc.)
• Keep vehicles under cover if possible
• Know where your shut-offs are (water/electric)
• Take a quick look at your roof and gutters
• Have a plan if power goes out

Storms are unpredictable, but being prepared makes a big difference.

Also worth knowing not all insurance policies cover storm damage the same way.

If you’re unsure how yours is set up, I’m happy to take a look and walk you through it.

JMO Insurance
Auto • Home • Business

If your insurance hasn’t been reviewed in a few years… it’s probably worth checking.

I can shop multiple companies and see what options you’ve got.

📲 636-JMO-0220

If you’re in Jefferson County or around Festus and haven’t checked your insurance in a while, it’s probably worth doing.

I’ve been helping a few people lately just clean things up and make sure everything actually makes sense.

Nothing complicated — just making sure you’re in a good spot.

Message me or text JMO-0220.