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Joseph Kaufman
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Farmers Insurance Agent in Saint Peters, MO
Joseph Stephen KaufmanAbout Me
5.0
Rating 5.0
As your local Farmers® agent in Saint Peters, MO, I help customers like you identify the insurance coverage that best fits your needs. With many companies raising their rates in Missouri we've been able to help a lot of people with better insurance and getting a quote from us could not be easier! This process is straightforward and personalized to help make you smarter about insurance. We will even handle the break-up with your other carrier making it easy to switch! - Whether it's auto, home, renters, business insurance and more.
Give me a call at (636) 244-4597 and I'll be happy to answer any questions you might have.
Languages Spoken: English
Years of Experience
I have over 8 years of experience as a Farmers Insurance agent.
Neighborhoods Served
Saint Charles County and Saint Louis County
Connect
Insurance Products Offered
Auto Insurance
Auto Insurance
Comprehensive coverage? Collision coverage? Deductibles? Medical Payments? Where to begin? Your local Farmers agent can take the mystery out of selecting the right Car insurance coverage for your needs and budget. Get started with an online Auto insurance quote and learn about our insurance discounts that can help you save money.
Home Insurance
Home Insurance
Your home is perhaps your most valuable possession, so you'll want to make sure your insurer has withstood the test of time. Farmers® has been providing insurance products for over 80 years, and will be there in the event disaster strikes and your home is damaged in a fire or due to another covered cause of loss. Plus, get competitive rates with our multi-line insurance discounts. Get a Home insurance quote now.
Life Insurance1
Life Insurance1
How much has your life changed in the last few years? Whether you've purchased a home, gotten married, had children or started a small business, it's a good idea to review your Life insurance policy. Call me today so you can create a plan to help provide financial support for those who depend on you.
ADFL029AWS 9/17Renters Insurance
Your landlord may have an insurance policy, but if there's a fire in your building, that policy may not cover your possessions. That's why there's Renters insurance. Get a Renters insurance quote to see how affordable it is to protect your personal belongings.
Business Insurance
Managing your small business can be complex, selecting the right Business insurance for your unique operation doesn't have to be. No matter the type of business, a Farmers agent can help you customize an insurance package to reduce your risk and protect your investment. Request a Business insurance quote today to get started.
Motorcycle Insurance
As a motorcycle enthusiast, you're all about adventure and fun. The last thing you want to worry about is whether you have the right Motorcycle insurance policy. Talk to a Farmers agent about Motorcycle insurance discounts such as rewards for responsible riders and insuring more than one bike with Farmers.
Recreational Insurance
When enjoying the great outdoors, you shouldn't have to be thinking about your insurance coverage. Make sure you have Recreational insurance coverage from an industry leader. Whether you own a boat, travel trailer, ATV or Motor Home, Farmers Insurance has flexible coverage options and insurance discounts. Contact a Farmers agent to get a quote.
Condo Insurance
Your condo is more than a place you call home. It’s also a major investment filled with possessions you want to protect. Get a quote on condo insurance to see how affordable it is to protect your personal belongings.
Umbrella Insurance
You work hard for the things that are important to you. For added coverage above and beyond the liability limits of your Auto or Home insurance policies, a Personal Umbrella insurance policy can provide added protection for your assets and future earnings.
Ask Me About:
Hi, this is Joe Kaufman "The Home Insurance Guy" Thank you for visiting my website. I run a family-owned agency here in Saint Peters, MO. We are a full-service agency that specializes in Home Insurance. There are many ins and outs when it comes to covering one of your biggest assets (your house) with insurance.
I wanted to take the time to answer some of the most frequently asked home insurance questions to help you be a little bit smarter about your options. It's important that you have an understanding of what your home insurance covers and avoid some mistakes that can potentially cost you thousands in the event of a claim. Here are the 3 most important home insurance topics to be aware of:
FAQ 1: What is the difference between Full Replacement Cost and Actual Cash Value?
To me, this is the most important need to know topic when it comes to home insurance. This can be the difference between having a solid policy that pays out the way you want it to or costing you thousands out of pocket. So a full replacement policy means the company will replace everything like it is brand new. This includes the outside structure and the contents.
An Actual Cash Value policy or ACV will take depreciation into account in the event of a claim so the older the house and contents are the less money you get if you file a claim. For example if you have a 15 year old roof and have an ACV (Actual Cash Value) policy and it gets ruined by hail you will be paying almost completely out of pocket to replace the roof, but a full replacement policy will replace the roof brand new minus the deductible.
Another example would be if a fire swept through your house a full replacement policy would replace your 20 year old couch like you just bought it the day before the fire. An actual cash value policy will pay pretty much what you can get on craigslist for it so a very big difference. At our agency the only policies we write are full replacement even though it is a few hundred cheaper to do an ACV Policy.
What is a Percentage Deductible?
Many insurance companies try to reduce their risk exposure by doing % deductibles for wind/hail and I get asked what exactly does this mean. Is that a % of the damage or what is the deducible if something happens? First of all wind/hail is the most common claim that happens and the biggest risk so you will see a % deductible that means it is going to be a percentage of your dwelling.
For example if you have a 2% wind/hail and your house has a $300,000 dwelling then you will have to pay out of pocket $6,000 if there is a wind/hail claim. This helps insurance companies keep their premiums lower but it does not help you if you have to file a claim for damage due to wind/hail. With our agency we don't have a percentage deductible that we will put on your policy it is one flat deductible across the board.
What are the main perils or covered claims when it comes to a typical home insurance policy?
Great question here is a list of what your home insurance is there to protect you against:
Fire or lightning
Windstorm or hail
Explosion
Riot or civil commotion
Damage caused by aircraft
Damage caused by vehicles
Smoke
Vandalism or malicious mischief
Theft
Volcanic eruption
Falling object
Weight of ice, snow or sleet
Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire-protective sprinkler system, or from a household appliance
Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system
Freezing of a plumbing, heating, air conditioning or automatic, fire-protective sprinkler system, or of a household appliance
Sudden and accidental damage from artificially generated electrical current (does not include loss to a tube, transistor or similar electronic
component)
I hope this helps answer some of your home insurance questions. Feel free to reach out to Joe Kaufman " The Home Insurance Guy" at 636-293-9498 (Call or Text)
I wanted to take the time to answer some of the most frequently asked home insurance questions to help you be a little bit smarter about your options. It's important that you have an understanding of what your home insurance covers and avoid some mistakes that can potentially cost you thousands in the event of a claim. Here are the 3 most important home insurance topics to be aware of:
FAQ 1: What is the difference between Full Replacement Cost and Actual Cash Value?
To me, this is the most important need to know topic when it comes to home insurance. This can be the difference between having a solid policy that pays out the way you want it to or costing you thousands out of pocket. So a full replacement policy means the company will replace everything like it is brand new. This includes the outside structure and the contents.
An Actual Cash Value policy or ACV will take depreciation into account in the event of a claim so the older the house and contents are the less money you get if you file a claim. For example if you have a 15 year old roof and have an ACV (Actual Cash Value) policy and it gets ruined by hail you will be paying almost completely out of pocket to replace the roof, but a full replacement policy will replace the roof brand new minus the deductible.
Another example would be if a fire swept through your house a full replacement policy would replace your 20 year old couch like you just bought it the day before the fire. An actual cash value policy will pay pretty much what you can get on craigslist for it so a very big difference. At our agency the only policies we write are full replacement even though it is a few hundred cheaper to do an ACV Policy.
What is a Percentage Deductible?
Many insurance companies try to reduce their risk exposure by doing % deductibles for wind/hail and I get asked what exactly does this mean. Is that a % of the damage or what is the deducible if something happens? First of all wind/hail is the most common claim that happens and the biggest risk so you will see a % deductible that means it is going to be a percentage of your dwelling.
For example if you have a 2% wind/hail and your house has a $300,000 dwelling then you will have to pay out of pocket $6,000 if there is a wind/hail claim. This helps insurance companies keep their premiums lower but it does not help you if you have to file a claim for damage due to wind/hail. With our agency we don't have a percentage deductible that we will put on your policy it is one flat deductible across the board.
What are the main perils or covered claims when it comes to a typical home insurance policy?
Great question here is a list of what your home insurance is there to protect you against:
Fire or lightning
Windstorm or hail
Explosion
Riot or civil commotion
Damage caused by aircraft
Damage caused by vehicles
Smoke
Vandalism or malicious mischief
Theft
Volcanic eruption
Falling object
Weight of ice, snow or sleet
Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire-protective sprinkler system, or from a household appliance
Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system
Freezing of a plumbing, heating, air conditioning or automatic, fire-protective sprinkler system, or of a household appliance
Sudden and accidental damage from artificially generated electrical current (does not include loss to a tube, transistor or similar electronic
component)
I hope this helps answer some of your home insurance questions. Feel free to reach out to Joe Kaufman " The Home Insurance Guy" at 636-293-9498 (Call or Text)
Hello there! This is Joe Kaufman "The Home Insurance Guy" and if you are looking for Cheaper Home Insurance in Saint Peters MO you are
at the right place. I run a full-service Insurance Agency here in Saint Peters Missouri and there are some things that you can do to lower your
home insurance rate. The most important thing however is making sure that you have a solid home insurance policy in place in case a disaster
does strike. Because cheaper does not always mean better and it can potentially cost you thousands out of pocket if you cut the wrong corners.
In this brief article, I will cover a few things that you can to do lower it but also let you know some of the most important features to look for
when attempting to get some Cheaper Home Insurance.
One thing that will help is almost all carriers and especially Farmers offer a multi-policy discount so it is best to put as many policies with the
same carrier/agent to make sure you are capitalizing on these substantial discounts.
Occupational and Degree Discounts: At our agency, we offer discounts for different occupations and degrees so make sure that your agent knows
about what you do for a living and any degrees that you have so we can factor those in.
New Roof Discounts: Some companies will also offer discounts if you have a new roof because they figure if you have a newer roof then the likelihood
of us having to replace it in the near future goes way down and this can take some off your premium.
Carry a higher deductible: If you have an emergency savings account then this is an option that can benefit you. The average homeowner files a claim
every 13 years so if you are to carry a $2500 deductible and have those savings if you need it you can get your premium lower.
Last but not least a good way to lower your premium is to get a quote through our agency. Insurance companies judge risk differently and
home insurance is an area that we stay competitive on feel free to reach out 636-293-9498 (Call or Text).
So those are a few things that you can do to help reduce your premium but you want to make sure that you always get a Full Replacement Policy. A policy
might be a few hundred cheaper than the next but if you have an Actual Cash Value that takes depreciation into account you can be hurting if you have to file a roof or a big claim.
You also want to look over your policy to make sure you have enough to rebuild and also clear out any debris if disaster strikes. Sacrificing coverage for
a cheaper rate in general is not a great strategy.
Hope this helps you be a little bit smarter about your insurance. Feel free to Reach out to me with any questions. Joe "The Home Insurance Guy" Kaufman
636-293-9498 (Call or Text) jkaufman@farmersgent.com
at the right place. I run a full-service Insurance Agency here in Saint Peters Missouri and there are some things that you can do to lower your
home insurance rate. The most important thing however is making sure that you have a solid home insurance policy in place in case a disaster
does strike. Because cheaper does not always mean better and it can potentially cost you thousands out of pocket if you cut the wrong corners.
In this brief article, I will cover a few things that you can to do lower it but also let you know some of the most important features to look for
when attempting to get some Cheaper Home Insurance.
One thing that will help is almost all carriers and especially Farmers offer a multi-policy discount so it is best to put as many policies with the
same carrier/agent to make sure you are capitalizing on these substantial discounts.
Occupational and Degree Discounts: At our agency, we offer discounts for different occupations and degrees so make sure that your agent knows
about what you do for a living and any degrees that you have so we can factor those in.
New Roof Discounts: Some companies will also offer discounts if you have a new roof because they figure if you have a newer roof then the likelihood
of us having to replace it in the near future goes way down and this can take some off your premium.
Carry a higher deductible: If you have an emergency savings account then this is an option that can benefit you. The average homeowner files a claim
every 13 years so if you are to carry a $2500 deductible and have those savings if you need it you can get your premium lower.
Last but not least a good way to lower your premium is to get a quote through our agency. Insurance companies judge risk differently and
home insurance is an area that we stay competitive on feel free to reach out 636-293-9498 (Call or Text).
So those are a few things that you can do to help reduce your premium but you want to make sure that you always get a Full Replacement Policy. A policy
might be a few hundred cheaper than the next but if you have an Actual Cash Value that takes depreciation into account you can be hurting if you have to file a roof or a big claim.
You also want to look over your policy to make sure you have enough to rebuild and also clear out any debris if disaster strikes. Sacrificing coverage for
a cheaper rate in general is not a great strategy.
Hope this helps you be a little bit smarter about your insurance. Feel free to Reach out to me with any questions. Joe "The Home Insurance Guy" Kaufman
636-293-9498 (Call or Text) jkaufman@farmersgent.com
If you are looking to insure your pitbull in Missouri it can be tough to find a home insurance carrier. Some insurance companies will
view those along with other breeds as high risk and refer to insure a house that has one in them. We have ever heard of some insurance
companies dropping people on the spot.
The companies that will insure them can charge a high deductible or put a restriction on the amount of liability that it will pay out if
the claim is a dog bite.
I feel that these dogs are not any more of a risk than others out there and Farmers take the same view. If you are looking to find some good
home insurance that will cover your house and your pitbull look no further than Joe "The Home Insurance Guy" Kaufman. Give me a call or
text today for a competitive quote 636-293-9498.
Pitbull Insurance in Missouri
view those along with other breeds as high risk and refer to insure a house that has one in them. We have ever heard of some insurance
companies dropping people on the spot.
The companies that will insure them can charge a high deductible or put a restriction on the amount of liability that it will pay out if
the claim is a dog bite.
I feel that these dogs are not any more of a risk than others out there and Farmers take the same view. If you are looking to find some good
home insurance that will cover your house and your pitbull look no further than Joe "The Home Insurance Guy" Kaufman. Give me a call or
text today for a competitive quote 636-293-9498.
Pitbull Insurance in Missouri
Hi, this is Joe Kaufman with Farmers Insurance and we are a full-service agency that serves Saint Peters and anywhere in Missouri thank you for visiting our website. If you are looking for Cheaper Auto Insurance in Saint Peters MO then you are in the right place. Many companies over the last few years have been raising their auto insurance rates due to distracted driving.
With our agency, we will strive to make sure that you have a solid auto policy in force in case disaster strikes and you have to use your policy but will also use any of the many discounts possible to keep the cost down. Below I will mention just a few of the discounts that Farmers offers than give us a ring at 636-293-9498 (or text) to see how much money we can save you.
Home/Auto Discount - If you are a homeowner in Saint Peters MO this one of the biggest discounts that we can apply to your quote. Farmers offer a discount for having your home with us and for just being a homeowner.
Occupational Discount - Farmers have a variety of occupations where we will give you a discount of up to 13% off your home/auto insurance for just doing what you do.
Degree Discounts - Do you have a college degree? Be sure to let us know what that is because we have many degree discounts that we offer our clients.
Signal App - This is an app that Farmers gives you in which we will take 5% off for just downloading it and then it can save you up to 16% off your renewal based on your driving habits. The best part is that this cannot hurt your rate but only help it.
These are just a few discounts Farmers offers our clients. Give us a call or text today to see how much money we can save you off your auto insurance with a solid policy 636-293-9498.
Cheaper Auto Insurance in Saint Peters MO
With our agency, we will strive to make sure that you have a solid auto policy in force in case disaster strikes and you have to use your policy but will also use any of the many discounts possible to keep the cost down. Below I will mention just a few of the discounts that Farmers offers than give us a ring at 636-293-9498 (or text) to see how much money we can save you.
Home/Auto Discount - If you are a homeowner in Saint Peters MO this one of the biggest discounts that we can apply to your quote. Farmers offer a discount for having your home with us and for just being a homeowner.
Occupational Discount - Farmers have a variety of occupations where we will give you a discount of up to 13% off your home/auto insurance for just doing what you do.
Degree Discounts - Do you have a college degree? Be sure to let us know what that is because we have many degree discounts that we offer our clients.
Signal App - This is an app that Farmers gives you in which we will take 5% off for just downloading it and then it can save you up to 16% off your renewal based on your driving habits. The best part is that this cannot hurt your rate but only help it.
These are just a few discounts Farmers offers our clients. Give us a call or text today to see how much money we can save you off your auto insurance with a solid policy 636-293-9498.
Cheaper Auto Insurance in Saint Peters MO
Hey there this is Joe Kaufman "The Home Insurance Guy" I run a full service agency here in Saint Peters, MO that specializes in Home Insurance. In this brief article I wanted to cover a few things that are not typically covered under a home policy. Here they are below:
Flood Insurance - So flood insurance is something that is not typically covered under your regular home insurance policy. A good way to think of it is if it is water damage from the inside out it is covered usually but from the outside in you will want to obtain an actual Flood Insurance policy which is separate. At our agency we do offer this coverage that is provided by FEMA so reach out to me at 636-293-9498 (Call or Text) if you would like a quote on it.
Sewer Back-Up Coverage - All though this is something that your agent can add to your policy this is not something that is automatically built in. It does not take much water to cause a lot of damage so make sure you have this on your policy if disaster strikes.
Earthquake Coverage - This is also something that your agent can add but it is NOT something that is built into your home insurance policy. Even though Earthquake coverage is usually a very high deductible if a big quake hits your house it can be something very good to have.
These are the top 3 things that are not built into your home insurance policy but many people think that it is. We specialize in Home Insurance here in Saint Peters, Missouri (MO) feel free to reach out to us anytime.
Flood Insurance - So flood insurance is something that is not typically covered under your regular home insurance policy. A good way to think of it is if it is water damage from the inside out it is covered usually but from the outside in you will want to obtain an actual Flood Insurance policy which is separate. At our agency we do offer this coverage that is provided by FEMA so reach out to me at 636-293-9498 (Call or Text) if you would like a quote on it.
Sewer Back-Up Coverage - All though this is something that your agent can add to your policy this is not something that is automatically built in. It does not take much water to cause a lot of damage so make sure you have this on your policy if disaster strikes.
Earthquake Coverage - This is also something that your agent can add but it is NOT something that is built into your home insurance policy. Even though Earthquake coverage is usually a very high deductible if a big quake hits your house it can be something very good to have.
These are the top 3 things that are not built into your home insurance policy but many people think that it is. We specialize in Home Insurance here in Saint Peters, Missouri (MO) feel free to reach out to us anytime.
If you’re in an accident, our goal at Farmers is to help you get back on the road — safely and quickly — with our award-winning claims service. To learn more about the advantages of Farmers auto coverage, call me today.
Frequently Asked Questions:
Recent Reviews for Joseph Kaufman
5.0
Rating 5.0
20 Customer Reviews
- September 20, 2020Rating 5.0Joe is great! He answered all my questions and helped making our switch hassle free. He walked me through the process and helped us every step of the way!!Response from JosephDecember 9, 2020Thank you Sarah! We try to make it easy to switch to us and are very happy to help:-)
- September 20, 2020Rating 5.0Joe is very sincere and caring. He is very upfront and honest. Love dealing with Joe for our insurance needs.Response from JosephDecember 9, 2020Thank you Jean! We are very happy to have you and Jim with us. I appreciate the kind words.
- September 3, 2020Rating 5.0Joe is professional and prompt with responses. Always willing to go the extra mile whether you are a customer or not.Response from JosephDecember 9, 2020Thank you Shannon. Glad to be able to help out with your insurance and have you with our agency!
- February 12, 2020Rating 5.0Joe is the best
Answered all questions we had and we did not feel any pressure to signResponse from JosephJune 5, 2020Thanks Tona! Glad to have you with our agency - January 24, 2020Rating 5.0Joe not only provided quick and concise customer service, but he also communicated with us effectively and answered our questions. We loved the video explanation, as well! With a smile on his face, he gets the job done. Thanks, Joe!Response from JosephJune 5, 2020Thank you for the kind words Andrew!
- December 9, 2019Rating 5.0Joe is very knowledgeable and friendly. I also feel confident that he has my best interest at heart. Wonderful to work with!Response from JosephJune 5, 2020Thank you Shanna. We are very happy to have you with our agency:-)
- November 28, 2019Rating 5.0Joe helped me in several ways to accommodate my schedule and develop a policy that fits my needs. He did an outstanding job and that’s why I chose Farmers Insurance.Response from JosephJune 5, 2020Thank you Mary! Feel free to reach out to me anytime. Happy to help:-)
- August 16, 2019Rating 5.0Everything was easy to understand very professionally done.Response from JosephAugust 23, 2019I appreciate the kind words Randie! Thanks for the review:-)
- July 4, 2019Rating 5.0Good communication very knowledgeable and IAM pleased with the policy.Response from JosephAugust 23, 2019Thank you Leeanna!
- June 23, 2019Rating 5.0Joe has been fantastic to work with during the transition from our old coverage!Response from JosephAugust 23, 2019Thank you Jonathan! Very happy to have you with our agency:-)
- April 17, 2019Rating 5.0Joe was very knowledgeable about all the areas I asked about, even explained somethings I haven't understood for my lifetime.
Joe, really does care about his clients and their needs. If I could vote him agent of month/year I would do it. The impression he has left me with after our initial discussion was so impressive, I had to have him care for my assets.
Thank you Joe for being who youbare.Response from JosephAugust 23, 2019You are very sweet Karen! Thank you so much for these kind words, you made my day and we have very happy to have you with us:-) - March 8, 2019Rating 5.0Thank you Joe for all the work you did for me,getting what insurance was best for myself and my husband Definitely recommend Joe.Response from JosephAugust 23, 2019You are very welcome and very happy to help. Glad to have you with our agency!
- February 3, 2019Rating 5.0Joe was very efficient with the transition from my previous insurance. He was up front and honest about potential savings or not.Response from JosephAugust 23, 2019Thank you for the review Isaiah! I appreciate your kind words:-)
- January 26, 2019Rating 5.0Joseph has been amazing! He hasn’t left a question unanswered! Great customer service!Response from JosephJanuary 31, 2019Thank you Josh! We are very happy to have you with our agency. Of course feel free to reach out to me anytime for anything:-)
- August 16, 2018Rating 5.0Wonderful experience. Very pleased.Response from JosephJanuary 31, 2019Thank you very much Emilie! I am happy to be your agent:-)
- August 12, 2018Rating 5.0Joe is a great guy and provided awesome customer service!Response from JosephJanuary 31, 2019Thank you Heather! We appreciate your business. If there is ever anything that I can help with you know where to find me. 636-293-9498
- July 28, 2018Rating 5.0I called a number of Insurance agents and by far Joseph was the most knowledgeable and informative agent I spoke with. He was also quick to assist, even into the later evening hours. I felt my choice of switching insurance carriers to Farmers and having Joseph as my new agent was an excellent choice for me!Response from JosephJuly 29, 2018Thank you very much for your kind words David! We are very happy to have you with our agency and I look forward to being your agent for many years to come. Thanks for putting your trust in Our agency!
- July 6, 2018Rating 5.0Joseph is very personable & knowledgeable.Response from JosephAugust 23, 2019Thank you Mandy! Very happy to have you guys with our agency:-)
- June 23, 2018Rating 5.0Joe is amazing. Super thorough, trustworthy, and prompt. Will go above and beyond to make his clients happy and satisfied.Response from JosephJuly 29, 2018Thanks Glenn! Very happy to be able to help and have you with our agency!
- May 7, 2018Rating 5.0Great individual with endless people skills. He was very polite and helpfulResponse from JosephJuly 29, 2018Thanks for the kind words Ryan I really appreciate it. Happy to have you with us!
Displaying 1 - 3 reviews of 20
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My oldest graduating high school