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Wednesday, September 23, 2015

What to Know When Getting Homeowners Insurance

Part of buying a home in St. Louis or St. Charles areas of Missouri is procuring homeowners insurance. While we recommend that everyone shop around, we turned to our favorite homeowners insurance expert, Craig Phillips, owner of Craig Phillips Agency at American Family Insurance, to get an expert opinion on the process.

Homeowners Insurance Mistakes to Avoid

The Boehmer Team: What is the biggest mistake that homebuyers make when procuring homeowners insurance?

Craig Phillips: More times than not, homebuyers do not take into account the cost of homeowners insurance or whether or not they can even buy homeowners insurance into their thought process when beginning the home buying process.  There are many factors that contribute to insuring their dream home and the cost they will pay can vary widely from one person or from one property to another, which could lead to them not getting the home they love.  They really should contact our agency the moment they consider buying in order to get prequalified per se.

How to Get Homeowners Insurance

The Boehmer Team: What is the best process by which homebuyers should go about procuring homeowners insurance?

Craig Phillips: All homebuyers, whether it is there first or last home purchase, should meet with a local reputable insurance agent in order to discuss the type and amount of protection they will need for their dream home.  Contrary to popular belief, all insurance companies and definitely not all insurance policies are equal.  The first step is to establish a face-to-face relationship with that local agent and go through the necessary steps to determine how much coverage is needed to protect their home, which by the way, isn’t equal to the purchase price of the home.  Coverage is the key.  Don’t let yourself be underinsured.

What to Look At When Getting Homeowners Insurance

The Boehmer Team: What is the main thing (or things) that people should focus on when obtaining homeowners insurance?

Craig Phillips: There is a lot to buying and maintaining insurance for your family.  There are few things that a homebuyer should do in order to protect their dream home the best way.  First, create that face-to-face relationship with a local reputable insurance agency like ours and go meet with them in person.  I know, that is contrary to what the internet world we live in says to do, but personal relationships do matter, especially when it comes down to protecting what may likely be the largest investment you will ever make.  Second, don’t get so hung up on finding the cheapest price that you sacrifice coverage or a relationship.  If you can’t afford the insurance, then you should really be shopping for a less expensive house.  Third, don’t forget to discuss life insurance with your agent and buy an adequate amount of life insurance outside of insurance obtained at work to protect this dream home for your family.  Tragedy can strike at any time to any family, so be prepared and your family will be able to maintain the family home for years to come.

The Craig Phillips Agency

The Boehmer Team: What makes Craig Phillips Agency at American Family Insurance stand out from other homeowners insurance companies?

Craig Phillips: At the Craig Phillips Agency, we believe your insurance is more than just a transaction between you and American Family Insurance.  We believe in providing you with best in class customer service and the peace of mind that you have the necessary financial protection in place to provide for you and your family in the event of a tragedy.  We put the customers’ needs first above anything else and always focus on protecting your family the best way we know how.

The Boehmer Team would like to thank Craig Phillips for his expert opinions on obtaining homeowners insurance in the St. Louis and St. Charles areas of Missouri. It is always good to shop around, but if you would like to contact Craig you can find him on Facebook at or by calling or emailing him at 636-947-4080 or If you are currently looking for a new home, search on our website

Thursday, September 10, 2015

Help Kids Fighting Cancer When You List Your Home

The Boehmer Team would like to shine some light on one of their favorite charities, Sunshine Kids. Sunshine Kids is a non-profit organization dedicated to children with cancer. 
Established in 1982, they are committed to providing positive group activities and emotional support for young cancer patients. Sunshine Kids provides a variety of programs and events, free of charge, for kids who are receiving cancer treatments in hospitals across North America. These programs provide an environment where kids can have fun, connect to other kids battling cancer and heal.

Our company, Berkshire Hathaway HomeServices Select Properties, provides an excellent opportunity to support the Sunshine kids by participating in the Sunshine Kids Listing Program. When you list your home with The Boehmer Team, we make a donation to Sunshine Kids. Our clients are also welcome to make the donation of their choice if they desire.

In addition to helping Sunshine Kids, the listing program provides marketing opportunities to a home listed with us that make it stand out. This includes the Sunshine Kids logo on our website search results and the Sunshine Kids logo displayed in the Your Next Home Magazine advertising for our listings.

For the past seven years The Boehmer Team has been recognized as the top-contributing agents to the Sunshine Kids for Berkshire Hathaway HomeServices Select Properties. This has helped contribute to Select Properties being recognized as top 10 contributors nationwide to the Sunshine Kids Foundation for the past seven years.

Throughout the year, The Boehmer Team, other Select Properties members, our friends and our clients can participate in many fundraising activities including golf tournaments, auctions, trivia, and listing programs. These programs, among many others, help support The Sunshine Kids.

We would like to thank all those who have listed with us or who have made donations to Sunshine Kids. We encourage those that are thinking of listing their home to list with The Boehmer Team to take part in the Sunshine Kids Listing Program and benefit from the additional marketing features while helping the kids.