Personal Home/Auto

G M Peters Agency, Inc. has been serving the personal insurance needs of Liberty and the surrounding Kansas City area since 1915 on the principal of providing superior customer service.

We continue that tradition today by providing our clients the most competitive quotes from the top insurance companies in the country.

A list and description of some of the personal insurance products available is listed here for your convenience. For more information or to obtain a quote on any of these products call 816-781-4922 or complete the proposal request form.

Homeowners Insurance

For many, the biggest investment they will make in their lifetime is the purchase of a home. There are many types of homes: condominiums, co-ops, century old landmarks and newly built structures. Whether you own or rent, a home is a major investment, both financially and emotionally. If a disaster should occur, you want insurance protection that is broad enough to help you repair or rebuild your home and replace its belongings. That is exactly why it is so important to make sure that you are properly insured.

Homeowner's insurance provides protection for an owner-occupied property and includes coverage for the dwelling, other structures, personal property (i.e furniture, clothing, appliances, etc). Another important aspect of loss recovery is the need to find temporary housing while repairs are being made to your home. If a covered loss occurs, many would depend on their policy to help with the expenses incurred by temporary housing.

A homeowner's policy also provides personal liability coverage if you are sued for a negligent act, or if someone hurts themselves on your property. The liability component also extends well beyond the boundaries of your home. Should you be found legally at fault for injury or loss to another individual, whether you unfortunately caused a tumble down a flight of stairs or a fall in the garage, that is the personal liability portion of your policy that will respond.

Auto Insurance

Designed to help protect you and your car in the event of an accident, as well as providing for injured parties in an accident where you are at fault. A Personal Auto policy provides coverage liability, medical payments, uninsured or underinsured motorist liability, comprehensive ("other than collision"), collision, rental reimbursement and towing.

The majority of auto policies settle claims on an Actual Cash Value basis. The value of the motor vehicle is the value of the vehicle at that time of the loss or what it would cost to replace your vehicle with one in similar condition in your area. This may not be the same figure as the selling price of a vehicle of the same year and model because mileage, prior damage, wear and tear are considered when arriving at the actual cash value of the damage vehicle. There are some policies that will offer Agreed Value, which means there is a set value of the vehicle, and the premium is based on that amount. These types of policies are typically more expensive. Consult your agent to find out whether this type of coverage is available from your carrier.

The liability portion of the auto policy has two parts. The Bodily Injury liability coverage applies to injuries you or anyone insured under your policy becomes legally responsible for as a result of an accident. Medical payments coverage pays for reasonable medical expenses incurred by you or by your passengers in your vehicle regardless of who is at fault for the accident.

"Collision" and "Other Than Collision" coverages apply to your vehicle. Collision coverage pays for damage to your vehicle as a result of its impact with an object or its upset. "Other than collision" coverage applies to damage of your vehicle cause by vandalism, theft, glass breakage, falling objects, fire, explosion or earthquake, windstorm, hail, water or flood, or contact with bird or animal.