Joseph Kaufman

Making sure people are covered properly is one of the main goals of our agency. We are not out to sell people products and/or coverage that they don't need. Our agency is located in Saint Charles, Missouri but we service a very large surrounding area offering many good insurance products. The most important one that we offer is life insurance. With life insurance you are insuring the biggest asset that you have which is yourself. Lets say that you owned a money machine that produced $50,000 a year. All you have to do is keep it plugged in and each year it will produce $50,000 and it will even increase at 1 to 2 % each year. If this machine exists would you insure it in case it broke down or quit working? Sounds like a dumb question but I am guessing 99% of you would say YES. Well that money machine does exist and it is you. You have an income that you produce each year for your family to have the lifestyle that it does. Life insurance is something that most people may need but not everyone has. You generally are required by your mortgage company to have homeowners insurance (if you have a mortgage) and typically you are legally required to have auto insurance but generally no one is required to have life insurance.

With our agency we offer solutions that will fit your needs and budget. I always tell people the best policy that you can buy is one that you can afford. It does not do any good to have an elaborate life policy if it's too expensive and lapses after a month or two.

We do not pressure anyone into a policy but just simply ask a few questions then put ourselves in your shoes making some recommendations. Over three years ago I almost lost my father to a liver disease. His health starting to deteriorate rapidly and he went from being a very active person to being laid up in the hospital. He is the only income earner in the family and my parents have been married for 45 years. This is the time most people think about life insurance but at this point it was too late and there would not be an insurance company in the world that would insure him.

My mom would not only have to deal with the impact of losing her husband but also the financial impact of life she could no longer afford. This story has a happy ending because he did buy a good life insurance policy years before he got sick and he survived by a miracle transplant. Unfortunately not all stories have a happy ending and in this business I see bad things happen to good people all the time. Text "Life Insurance" for a quote and/or to talk further about making sure you are covered or e-mail me at jkaufman@farmersagent.com for a No obligation review to see if your current plan is going to do for your family what you want it too. We have a variety of programs to fit your budget and needs. Chances are it is probably cheaper than you think. Currently Offering: Auto Insurance Health Insurance Homeowners Insurance Renters Insurance Life Insurance Specialty Insurance Flood Insurance PWS 14515k.1

There are many factors that go into making sure that you have the right coverage protecting your house the most important asset that you have. We have been serving the Saint Charles and Saint Louis, MO area helping many people insure there homes properly. We know that price is always a consideration in choosing the right policy so we will find every discount that you qualify for but it is also important that we have you protected in case disaster does strike. How do you figure reconstruction cost? Reconstruction cost is figured by finding out what would be the right amount of dwelling if the worst case scenario happened. So if your place burnt down to the ground how much money will be needed to clear the debris from the disaster and rebuild a like structure brand new. We do not use market value in this because a lot of the cost not only lies in the purchasing of new material to build the house but also the cost associated with clearing the debris up. What is the difference between Actual Cash Value and Full Replacement? These are the two main types of homeowners insurance and many people when trying to find the cheapest policy will end up with an actual cash value policy. Basically what actual cash value means is they take depreciation into account on the dwelling and on personal property (your contents). For example if you have a dwelling of $250,000 and disaster strikes you will get that amount minus depreciation for how old the house is. With your personal property you would get pretty much whatever you can sell it for on Craigslist. Full replacement however is replacing everything brand new and not taking depreciation into account.This is the type of policy that you want and the only policy the Kaufman Insurance Agency sells. What discounts² will make my homeowners insurance cheaper? There are many insurance discounts² that Farmers® Insurance provides and a few that make a big difference in keeping your premium down. The biggest one that we offer is combining the homeowners insurance with your auto policy. This is the most common for insurance companies and it usually makes sense to keep your home and auto together. Also having a newer roof can make a dramatic impact on your rate. If you have a roof that is newer than 7 years we will reduce your premium and the newer the roof the bigger the discount². Another discount² is our affinity discount² which depending on your occupation we can give you an additional discount². What does homeowners insurance cover? There are a variety of coverage's wrapped up into your homeowners policy and we will give you a brief explanation of them. The dwelling is what the replacement value would be if disaster strikes on the outside structure. Separate structures would be anything not attached the dwelling itself such as a shed or detached garage. Loss of use would be the amount you can use to stay somewhere else while your place is being fixed up.You can also use loss of use for anything to maintain your lifestyle while Farmers is getting things back in order for you. Liability is there in case you are sued due to someone being hurt on your property or a dog biting someone making you liable. Building ordinance is there to bring things up to code while damages are being repaired. Last but not least is personal property which would be the amount that we provide to replace everything brand new. If you are looking for affordable homeowners insurance in Saint Charles, Ofallon, Saint Peters, Saint Louis or any city in Missouri look know further than the Kaufman Insurance Agency of Farmers .We will make sure that you are covered the right way. Go to http://farmersagent.com/jkaufman for more information or call me at 636-293-9498. ²Discounts apply to selected coverages, perils and policy types. Eligibility and actual percentage of discount...

I have been attending Church on the Rock in Saint Peters, MO for some years now and really enjoy the teachings and fellowship that Pastor David Blunt provides. Through our tithing there we are able to make a difference in the lives and community that surrounds us. Here is a list of some of the outreach programs that Church on the Rock takes a part in. Salvation Army-O'Fallon Contact: Colling or Captain Kelli (636) 240-4969 Location: 1 William Booth Dr. O'Fallon Volunteer: Kids Club - The volunteer(s) will have the opportunity to cook for children in need every Wednesday night from 4:00-6:00. Up to 3 people are needed for this project. Food Pantry - Volunteers are needed Monday, Tuesday, Thursday, and Friday 9:15-12:15. As a volunteer, you will be stocking shelves and helping the clients shop for their food items. A volunteer packet from Salvation Army must be filled out prior to volunteering. Shelter - Any day of the week from 3:00-8:00. The volunteer will be helping at the front desk and assisting the clients. A volunteer packet from Salvation Army must be filled out 2-3 weeks prior to volunteering. Thanksgiving - Volunteer(s) are needed for distributing Thanksgiving boxes on November 24th 2:00-6:00. The volunteer will be assisting people to their cars and helping them with any other needs they may have. Bell Ringing - As a bell ringer you would be helping the Salvation Army to raise funds for everything that they do in the community-providing a warm meal, shelter, clothing, and financial assistance. The link contains a list of dates and places to volunteer as a bell ringer. Click here for more information. Prison Ministry Contact: Matt Prose 636-240-7775 ext. 317 mprose@cotr.org St. Charles County Jail Visits are made on Sunday afternoons with men and women inmates. Bibles are distributed and inmates receive the Word of God along with praise and worship. Guards are present. Contact: Matt Prose 636-240-7775 ext. 317 mprose@cotr.org Camp Avery Juvenile Boys Facility Visits are made every Sunday night. Camp Avery is an all boys facility located in Cuivre River State Park in Troy, MO. This is their last stop before going to prison. Our intention is to turn them to the hope they have in Christ. A background check done by the State is required in addition to the MOH process. Contact: Matt Prose 636-240-7775 ext. 317 mprose@cotr.org Babler Juvenile Boys Facility Visits are made every Monday evening to this group of boys. The Babler facility is in Balber State Park in Chesterfield. Services include praise and worship, teaching of the Word and personal sharing with the inmates. Bibles are offered to those truly seeking a new life in Christ. Contact: Matt Prose 636-240-7775 ext. 317 mprose@cotr.org Mercy Ministries Description: Mercy Ministries is a free-of-charge biblically based program that serves a diverse population of socio-economic backgrounds, aged 13-28. Many of the girls, who come to Mercy for help, are facing a combination of debilitating circumstances and have been in various treatment facilities with unsuccessful long-term results. Mercy helps give these young women a sense of self-worth and prepare them for their full potential; to permanently stop self-destructive cycles and to take hope out into their communities. Contact: Volunteer@mercyministries.com to volunteer Location: 1455 Romaine Creek Rd. Fenton, MO 63026 Ways to Help: 1.Donate 2. Sponsor a girl 3.Become a Treasure Builder (partner) 4. Volunteer. Volunteer: There are 2 different areas to volunteer at Mercy. 1.Home Volunteers: Various administrative tasks, answering phones, tutoring, monitoring snacks for residents, etc. 2.Corporate Headquarters: Preparing donor meals, various administrative tasks, assisting the staff, product inventory, etc. An application from Mercy Ministries needs to be filled out prior to volunteering. Click on the link below to fill out an application, age requirements, and restrictions. Click here for more infomation. STL...