Coverages to help assist with a breach:
The Standard Aggregate inclusive of all coverages above is $25,000, with optional limits available of $50,000, $100,000 and $250,000. These coverages include additional services, such as:
You are more connected than ever and criminals know the information accessed by your family is valuable. Criminals steal passwords, data, money and identities. Even worse than financial loss is the threat of cyber bullying and reputational harm. Family cyber protection helps you by guarding your loved ones from these dangers.
Online risks take many forms for you and your family. Coverages include:
Barton can accept Visa, Mastercard and Discover or a check by phone. Calland press 2 to take advantage of these payment options (Monday-Friday from 8:00-4:30). We are pleased to offer these additional payment methods at no added cost to you! You are also welcome to mail a check to our office in the envelope provided with your billing. Your agent can also accept a check or credit card payment for us.
Service Line coverage provides protection against a leak, break, tear, rupture, collapse or arcing of a covered underground service line caused by:
The “covered service line” must be:
Annual - no billing fee
Semi-Annual - $4 billing fee per billing or $8 per year
Quarterly - $4 billing fee per billing or $16 per year
Monthly - $1 billing fee per billing or $12 per year. The monthly payment option must be automatically drafted from a bank account. Use the Bank Draft Authorization Form to enroll in this option.
We hope to have the option available to our policyholders in the future, but right now we are not able to offer that service. You may call our office to make a free payment over the phone. You may also go to your agent’s office to make a payment. They can accept your Visa, Mastercard, Discover or a check.
If you pay less than the invoice amount, we may change your billing mode to the payment option that most closely meets the balance paid. The lowest amount you can pay is two month’s premium, but then you must enroll in monthly pay, which can only be done by automatic bank draft.
No! It is free to make a payment by phone. We accept Visa, Mastercard, Discover and checks by phone. Calland press 2 to take advantage of these convenient payment options (Monday-Friday from 8:00-4:30).
If you wish to enroll in the monthly option, please fill out the Bank Draft Authorization Form and send it in to our office with two months premium. If you wish to change to a different mode, please call our home office or your agent.
A policy canceled for non-payment may be reinstated (subject to company approval). The policyholder must submit a signed Statement of No Losses. After receipt of the statement, we will accept payment and a $25 fee will be charged.
PO Box 99 / 120 S Main Street, Liberal, MO 64762
The amounts vary depending on the fire class your business falls in. The combined amount of the building and business personal property can go up to $500,000. Contact your agent to learn more and find out the maximum amount of coverage you might be eligible for.
You should consult your specific policy for coverages and exclusions.
Your policy may contain a small amount of coverage for business property. If you have a business in your home, you should get a separate policy for that business property. Contact your agent to get a quote.
There may be items that are excluded or have limited coverage. You should consult your policy for these excluded or limited items.
If your policy contains personal property coverage, these items would be covered—subject to the policy deductible—up to the policy limit in the event of a covered loss. If they are used for business purposes, there would be a limitation on the amount of coverage.
There may be limited coverage for trees and shrubs, but the coverage is also limited to certain events. You should check with your agent for coverage details.
A roof exclusion generally means your roof is worn out. We are unable to allow coverage for roofs that have exceeded their useful life. Your roof will also be excluded if the roofing cover is a material which is ineligible for coverage with us.
Please refer to your specific policy for the list of exclusions and coverages. If you have questions, please contact your agent for assistance in understanding your policy.
Please contact your agent so that they may assist you in changing your policy or understanding your current coverages. You can get a copy of your current declaration page from your agent or by requesting a copy from our home office.
A special perils policy means that all types of loss are covered unless they are specifically excluded in the exclusions portion of the policy.
A named perils policy is a policy that lists certain perils that are covered. If the damage isn’t caused by one of the listed or named perils there is no coverage for the loss under this type of policy.
Medical payments coverage applies for an injury to a third party regardless of whether the insured is liable for an incident. If a covered loss occurs, the medical payments limit is available to the injured party for necessary medical expenses.
Liability insurance protects you from claims made against you by a third party alleging damages. If you are sued for a covered incident, we will pay for an attorney to defend you, court costs, and any damages awarded up to the policy limit. Liability claims, or potential liability claims, should be reported immediately so that we can provide guidance to you and begin investigations.
If a third party is responsible for the damages to your property, but you are forced to make a claim on your policy, we will pursue the third party to compensate us for the damages paid. If damages are recovered, we can return a prorated amount or your entire deductible to you.
The claim is adjusted at replacement cost up to the policy limit. The policyholder is paid the actual cash value of the loss initially and can then “recover” an amount up to the amount of the withheld depreciation once repairs or replacement is completed. This is referred to as recoverable depreciation.
An ACV policy pays for loss to items (if the loss is covered by the policy) based on the value of the item at the time of loss. If your television was destroyed by fire, payment would be based on the age of the television; you would not receive payment based on what it is worth as a new television. The good news is, on most policies, you can purchase a coverage that will pay for an item of contents (such as the television) based on the new value - although the deductible will apply.
This feature increases your dwelling coverage to help keep up with inflation and the rising costs of building materials and construction. Though we increase your dwelling coverage annually, this is no guarantee your dwelling is adequately insured. It is the responsibility of the policyholder to determine adequate coverage. Contact your agent if you need help determining the adequate coverage amount for your property. It is also important that you notify your agent if you make significant changes that increase the value of your property.
We have a contractual duty to list the mortgagee on the check since they also have an interest in the property. You should contact your mortgage company for instructions on how to handle the endorsement and deposit of the check.
Contact our claims department before starting any repairs, obtain two estimates and send them to us for review. It’s imperative that you wait to make permanent repairs until we have been able to review the claim for any possible additional damage.
If your policy contains coverage for Additional Living Costs, and your home is made uninhabitable by a covered loss, we will pay the additional costs of alternate living arrangements for the reasonable time it would take to repair or replace the property. By additional costs, we mean those expenses that are over and above your normal living expenses. This is subject to the coverage limit.
Take necessary measures to thaw them out. If there is a broken pipe or a water leak, shut off the water. Contact your agent immediately.
Contact your agent as soon as possible. The claim should be promptly reported to the company so that an adjuster can commence assessment of the claim.
Your policy requires that you provide prompt notice of claim. It is in your best interest to report it as soon as possible so that we can investigate it.
Some claims require a field adjuster to come to your property to inspect the damages. Others, such as small theft, livestock, or lightning claims are handled from the office, and you will be contacted by telephone. In the event we are unable to reach you by phone, we will mail paperwork to you.
It is your decision as the insured whether or not to open a claim. If you are uncertain whether a claim should be opened, get someone to look at your damages with you to help you make a decision. Once your agent has submitted a loss notice to us a claim will be opened on your policy.
No resources like that exist as far as we are aware. Contact an expert or your agent to discuss the damages. Remember that your deductible applies per claim.
The choice of contractor is always up to you.
The deductible applies per claim. For example, if your deductible is $500 and you have a payable claim June 1, you would incur the cost of the deductible. If you had a second payable claim on July 1, you would again incur the cost of the deductible. Each time you have a claim you incur the deductible.
Paying premiums only guarantees that your policy remains in force. For a claim to be paid, it must be caused by a covered peril, policy conditions must be met and the damages must be higher than your deductible.
Our regular business hours are 8:00-4:30 Monday through Friday. You can attempt to contact your agent or leave a voicemail in our after hours box. You can make temporary repairs but should not begin permanent repairs until the adjuster has inspected the property. Please save any receipts for expenses incurred due to temporary repairs.
Please contact your agent to report a claim. If you are unable to reach your agent, you may call our office to report the claim:and press 1.
Contact your agent or mail us a request. It’s important to name the specific date of cancellation. We also need to know if your mailing address has changed. Although not mandatory, we would like to know the reason for cancellation. We cannot cancel a policy by phone.
An umbrella policy provides additional liability coverage for the named insured. Primary policies generally cover bodily injury and property damage. The umbrella policy will kick in after the liability limit in one of the underlying primary policies, such as a homeowner or auto policy, runs out. The umbrella policy will cover the insured above the amount of an underlying policy up to the coverage limit selected for a covered claim.
Contact one of our agents in your area to have them get a quote for you. Find an agent near you.
No, but we do encourage communication between the agent and insured.
Your agent can give you recommendations on this topic. Some reasons include:
The age of your home, the fire protection class, the wind experience across the state and the total experience of the statistical group in which you are placed all affect the rating of your policy.
We require a signed written request to change agents. The agent you are transferring to can submit your signed Change Agent of Record request.
Your agent’s name and contact information is on your declarations page and your invoice.
Many questions need answered to determine how much coverage you need. One of our professional agents can assist you in that determination. Find an agent near you.
Missouri is currently the only state in which Barton Mutual is licensed to write business.
We write small commercial accounts, including retail, office, service, churches, apartments, warehouses, restaurants, motels/hotels, light manufacturing and contractors. Contact your agent to discuss any of our commercial products and to get a quote. Find an agent near you.
We insure homes, mobile homes, farms, rentals, seasonals, small commercial risks and vacant properties within the state of Missouri. Contact an agent for a quote on your property. Find an agent near you.
Disclaimer: These FAQs do not replace or override the wording in your policy. You should read your dec page and policy for specific policy provisions, limitations and exclusions. For a complete explanation of coverages, please consult one of our licensed agents.