Providing Insurance Solutions for Lake of the Ozarks &
Surrounding Communities ... For More Than 20 Years

  
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573-348-1731
4065 Osage Beach Parkway
PO Box 810
Osage Beach, MO 65065
Tel: 573-348-1731
   
   
   

Personal Insurance Services by Golden Rule

Coverage You Need, People You Trust

Combined Coverage for Better Benefits. 

Golden Rule Insurance Agency's insurance specialists serve to help you coordinate an insurance program that determines the best coverage options for your needs – for benefits and quality discounts that help you save.

What does this mean for you? By combining home and auto policies, you may be eligible to receive money-saving discounts, a guaranteed full-year policy term for your car, On Your Side® insurance protection, 24-hour Customer and Claim service, and more.

Additional Bonuses

When you combine Home and Auto Insurance, you may also qualify for extras like single deductibles (when your home and car are damaged as a result of the same event), emergency lockout coverage, accidental death benefits, and airbag replacement from accidental deployment.

Contact a representative from Golden Rule Insurance Agency to learn more about the benefits you can receive by combining your home and auto policies.

Contact us for a free quote.

Home Insurance

Protect Your Home and Everything In It.  

At Golden Rule Insurance Agency, we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.

Golden Rule Insurance Agency is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

Our Home Insurance coverage options include:  

Why Home Insurance?

Accidents can happen at any time. Having the right insurance can protect your home and everything in it, as well as keep your property covered from damages and accidents.

While standard Home Insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard policy. That’s why it’s important to talk to a specialist at Golden Rule Insurance Agency about specific coverage options that are applicable to your individual needs.

Don’t go another day without proper homeowners insurance. Keep your memories protected with the right policy from Golden Rule Insurance Agency.

Golden Rule Insurance Agency provides Home Insurance for residents near Osage Beach, Lake Ozark, Eldon, Camdenton, Sunrise Beach, and Lebanon. We know the choices can sometimes be confusing... we're here to help!   Contact Golden Rule for a free consultation.

Property Insurance

Strength and Stability for Your Home.

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.

Every Home Insurance policy is different, and at Golden Rule Insurance Agency, we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:
  • Fire and Lightning
  • Collisions from Vehicles or Aircraft
  • Hail
  • Sewer/Drain Backup
  • Windstorm
  • Vandalism
  • Volcanic Eruption
  • Smoke
  • Freezing Conditions or Snow

Property Insurance Options to Consider

There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative at Golden Rule Insurance Agency who can help you find the right policy.

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.

Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with Golden Rule Insurance Agency before making a decision.

Contact us for a free quote.


Home Owners Liability

Protect Yourself, Your Home, and Your Finances.

Accidents can happen, even at home. If someone were to claim an injury on your property, there’s no stopping them from affecting your finances, your house, or anything else you own that can be labeled as compensation. As the property owner, you could be held fully responsible for injuries to others that occur due to hazardous conditions such as poor lighting, floor hazards, or falls resulting from snow or ice.

With a Homeowners Liability policy from Golden Rule Insurance Agency, you can ensure the security of your finances and the safety of your family in the event of an accident. For serious injuries, including casualties, you may be responsible for paying large medical bills and even court costs if you are sued. This policy works to protect you in a variety of situations, including:
  • Claims for property damage
  • Claims for injury to others (either on or off the premises)
  • Liability defense costs
  • Medical expenses for injuries to others

Having the proper Homeowners Liability Insurance for your home will prepare you for future accidents and help preserve your hard-earned assets and finances. Talk with a representative at Golden Rule Insurance Agency to determine the right amount of coverage to keep you protected today.

Contact us for a free quote.


Renters Insurance

Belongings Hold Memories. Make Sure They’re Safe.

If you rent an apartment, house, condo, or even a dorm room, you may not think you need insurance. But in the event that fire, theft, or vandalism damages your property, it’s unlikely that your landlord will pay to replace your belongings.

At Golden Rule Insurance Agency, we know that you’ve most likely invested a lot of time and money in your personal property, and it’s up to you to take care of it. Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered accident, or if they’re stolen.

Depending on your policy, your insurance will pay to replace items using one of two methods: Actual Cash Value (ACV) or Replacement Cost. With ACV coverage, your belongings are insured only for the amount in which they are currently worth, while Replacement Cost will pay for the expense of replacing the items with brand new ones.

Additional Insurance Options

Also included in your Renters Insurance is Liability Coverage to safeguard yourself from injury claims that occur in your home. If someone gets hurt on your property, your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.

In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live.

A representative at Golden Rule Insurance Agency is committed to working with you to design a policy that ensures you get the options you want at a price you can afford.

Contact us for a free quote.


Condo Insurance

Protect More Than Just Your Possessions.

For many, a condo is a great alternative to living in an apartment or a home, and can offer more space, more living area, and more amenities. But since a condo is a special kind of residence, it requires its own insurance policy.

With Condo Insurance from Golden Rule Insurance Agency, you can extend your protection past that of what your condo community provides. It helps pay for the replacement of your personal belongings while offering basic liability to cover bodily injury or property damage. And unlike Renters Insurance, Condo Owners Insurance covers any damage done to the interior of your unit. For any interior damage, your insurance may be used to pay for the expense of fixing or replacing items like drywall, flooring, light fixtures, and more.

A Condominium Insurance policy includes other great features like guest medical protection, which pays for the medical expenses of friends and visitors who are injured on your property. In the event a fire or other disaster puts your condo out of commission, additional living expenses coverage may reimburse you for cost of temporary housing while your unit is being fixed.

Contact a specialist at Golden Rule Insurance Agency today to determine the right amount of coverage you need to keep your condo insured.

Contact us for a free quote.


Mobile Home Insurance

Specialized Security for Your Home and Property.

At Golden Rule Insurance Agency, we know you’ve worked hard to turn your mobile home into the perfect living space for you and your family, but sometimes accidents like fire or severe storms can cause major setbacks. That’s why we’re committed to serving all of your insurance needs. With a specialized Mobile Home Insurance policy, you can safeguard your home and your belongings in the event of a covered loss.

Mobile Home Insurance works much like a typical Homeowners policy and typically includes features such as:
  • Personal Property Protection to pay for loss or damage to most of your personal items
  • Family Liability Protection to provide legal representation against injury or property damage claims
  • Guest Medical Protection to help cover the medical expenses for visitors injured in your home
  • Home & Structure Protection to compensate you for building repairs after a covered accident
  • Additional Living Expenses to reimburse you for temporary housing during reconstruction

Additional Benefits for Your Mobile Home

We know how special your mobile or manufactured home is to you, and we’re proud to offer to an exceptional insurance policy that’s designed to meet your budget. You may also qualify for savings and discounts simply by having extra security devices installed in your home, or by combining your Mobile Home and Auto Insurance policies.

Talk with a specialist at Golden Rule Insurance Agency to learn how you can save with Mobile Home Insurance.

Contact us for a free quote.


Scheduled Property Insurance

Security for Your Most Special Possessions.

At Golden Rule Insurance Agency, we know that your personal belongings are an extension of you, and oftentimes, the things you hold onto the most are the items in which you’ve invested much time and money. The Personal Property Insurance of your Homeowners policy will protect your valuables up to a certain amount, but may not cover many of your most prized possessions.

Scheduled Personal Property (SPP) Insurance enhances your current Homeowners or Renters policy to include items of exceptional value such as jewelry, cameras, artwork, golf equipment, firearms, musical instruments, fine silverware, collectibles, and more. If one of your personal items is damaged or stolen due to a covered incident, your policy will help pay for the expense of a repair or replacement.

Should you decide to add the premium protection of SPP Insurance, one of Golden Rule Insurance Agency's specialists will work with you to determine the replacement cost of each item you would want to have insured.

The items you own are unique, which is why at Golden Rule Insurance Agency, we can create a policy that fits your specific needs in order to ensure the security of your most personal belongings.

Contact us for a free quote.


Landlord Insurance

Rent with Confidence.

A rental property is an important asset that can supply you with a valuable source of income. As the owner of an apartment, home, condo, or other property, you’ll want to be prepared in the event that your investment is damaged. With a Landlords Insurance policy from Golden Rule Insurance Agency, you’ll receive a complete degree of protection to keep yourself and your rental property insured.

The proper Landlord policy can provide options from Personal Property and Liability to Medical Payments to Others and Dwelling to accommodate the special risks that you as a property owner may face. Landlords Insurance can also cover:
  • Damage to your property or other attached structures from a fire, natural disaster, or other peril, including damage caused by tenants
  • Expenses you may be legally obligated to pay for the property damage or medical payments in the event of injury
  • Legal counsel and fees in the event of a related lawsuit
  • Additional expenses to make up for lost income if your property needs repaired through loss of use

Because of the variety of options available, an insurance specialist at Golden Rule Insurance Agency is available to make sure you have the right amount of coverage for your rental property at a price that meets your budget. With the benefits of a Landlords Insurance policy, you can rent to tenants with the confidence of knowing your investment is secure.

Contact us for a free quote.


In-Home Business Insurance

It’s Not Just Your Home. It’s Your Living.

Home-based businesses, both big and small, have become one of the fastest growing commercial segments in America. As the owner of an In-Home Business, chances are your operations extend beyond the walls of your home. At Golden Rule Insurance Agency, we want to help you protect the security of your business with proper coverage, because the insurance required most likely goes beyond that of your standard Homeowners policy.

We know that you’ve invested hard work and countless hours into building up your In-Home Business, and because of that, Golden Rule Insurance Agency wants to ensure that your operations continue to grow. With the right insurance policy for your business, you can provide the special protection you need in one comprehensive policy.

An In-Home Business policy from Golden Rule Insurance Agency can cover:
  • Professional Liability
  • Personal property used for business operations
  • Loss of income due to a covered event
  • Loss or damage to business records and inventory

Depending on your business needs and living situation, you may also qualify for additional services to round out your In-Home Business Insurance, including combined coverage with your Homeowners policy.

Talk to a representative at Golden Rule Insurance Agency today to create the perfect plan to address all of your business needs.

Contact us for a free quote.


Earthquake Insurance

A Higher Degree of Protection.

Some disasters are easier to prepare for than others. Unlike hurricanes and tornadoes, which typically occur during certain seasons, there are no warning signs for earthquakes. And while these unforeseen events can occur anywhere at any time, some locations are more prone to seismic activity than others. At Golden Rule Insurance Agency, we help homeowners in these high-risk areas stay protected at all times.

Why Earthquake Insurance?

Most standard Homeowners policies do not cover physical damage to structures or personal belongings caused by an earthquake. With the right policy from Golden Rule Insurance Agency, you’ll have your very own disaster recovery strategy added to your existing Home or Renters Insurance plan.

In the event of damage resulting from an earthquake or aftershock, your insurance can cover the cost of repairing your home and replacing your personal property. Depending on your policy, it may even help pay for a new home if your residence is completely destroyed.

Since coverage varies from person to person, your options will depend on many important factors, such as home composition and location. It’s important to discuss your individual needs with an expert who can guide you in the right direction.

Contact Golden Rule Insurance Agency today to add Earthquake Insurance to your existing policy.

Contact us for a free quote.

Auto Insurance

Good Drivers are Responsible Drivers.

Having proper Auto Insurance ensures your independence behind the wheel. From accidents and injuries to hit-and-runs and theft, it’s important to keep your car insured so you’re prepared when accidents do happen.

At Golden Rule Insurance Agency, we combine premium Auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs – for peace-of-mind driving assurance.

As your trusted source for car insurance, Golden Rule Insurance Agency offers a variety of coverage and additional protection options, such as:


Why Auto Insurance?

If you’re involved in an accident without car insurance, you’re looking at high out-of-pocket costs, injury liability – even serious legal issues.

Keeping your vehicle insured is simply the responsible thing to do, and it’s an essential financial decision that you can’t drive without. Auto Insurance helps to reduce or cover property damage costs, replacement parts for your car as the result of an accident, medical expenses from injuries, road-side assistance, and much more. Since policies vary with protection options, it’s important to talk to a representative from Golden Rule Insurance Agency to create a policy that insures your needs.

We provide car insurance to drivers near Osage Beach, Lake Ozark, Eldon, Camdenton, Sunrise Beach, and Lebanon.

We know the choices can sometimes be confusing... we're here to help!   Contact Golden Rule for a free consultation.


Liability Coverage

Ensure that You’re Insured.

If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can be insured if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered.

If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.

Components of Liability

There are two main components to Auto Liability: Bodily Injury and Property Damage liability.
  • Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.
  • Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.

If you’re involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings, and income. Not only is having liability a good idea, but most states require that drivers have it in order to be legal on the road.

It’s important to have enough insurance to keep all of your assets protected and not all auto policies are the same. Contact a representative at Golden Rule Insurance Agency today for more information about what Liability Coverage can do for you.

Contact us for a free quote.


Comprehensive Coverage

Security On and Off the Road.

Your Auto Insurance policy already gives you peace of mind behind the wheel. But more than just accidents happen, and with the right policy from Golden Rule Insurance Agency, you can make sure that the security of your automobile doesn’t stop the moment you pull into the driveway. Comprehensive Coverage insures your vehicle and equipment against damage and expenses that result from something other than a collision.

At Golden Rule Insurance Agency, we know that life is full of surprises, and with Comprehensive Coverage you can be prepared for all of them. Our team of asset protection specialists can prepare a plan that works for you with a variety of impressive features to insure your car against damages or loss resulting from:
  • Theft or Larceny
  • Vandalism and Glass Breakage
  • Fire Damage
  • Hail, Water, or Flood Damage
  • Hitting a Deer or Other Animal
  • Damage from Falling or Flying Objects

Other Non-Collision Related Services

In addition to Comprehensive, Golden Rule Insurance Agency also can offer other non-collision oriented services for you and your car, like Roadside Assistance and Diminishing Deductible.
  • Roadside Assistance provides you with advantages like lockout assistance, jump starts, and towing up to 15 miles – all in one convenient package.
  • Diminishing Deductible commends you for being an accident and violation-free driver with an annual credit reward towards your collision deductible.

Contact us for a free quote.


Collision Coverage

Bumper-to-Bumper Protection for Your Auto.

For most drivers, a car is more than just a means of transportation - it’s an investment. And if you’re involved in an accident, you’ll want to ensure that your investment is protected. With Collision Coverage from Golden Rule Insurance Agency, you can have damage to your car insured under your policy – whether the damage is a result of an accident with another vehicle or some other object.

How Much Collision Coverage is Needed?

Different drivers require different coverage options for their Auto Insurance policies. Determining the right amount of Collision Coverage depends on factors like the age and year of your car, as well as your financial situation. An insurance specialist from Golden Rule Insurance Agency can help you find an insurance option that best fits your budget.

In addition to protecting you and your car from collisions, we offer benefits that range from rewards and incentives to extended coverage. Our enhancements include: Diminishing Deductible, GAP Coverage, and Accident Forgiveness for better assurance.
  • Diminishing Deductible rewards you with credit towards your collision deductible simply for being an accident and violation-free driver.
  • GAP Coverage picks up the difference when a settlement from an accident is less than the actual amount you owe on your vehicle loan.
  • Accident Forgiveness ensures that your rates won’t increase because of a single accident.
Contact Golden Rule Insurance Agency today to see if you qualify for, or want to learn more about Auto Insurance enhancements that can help save you money.

Contact us for a free quote.


Uninsured & Underinsured Motorist Coverage

Not Every Driver is a Responsible Driver.

As a safe driver, obeying street signs, speed limits, and always using your turn signals is simply part of the routine. And if you’re ever involved in an accident, your insurance policy typically keeps you protected.

Unfortunately, there are those on the road who don’t share the same safety precautions as you, and if you’re involved in an accident with a motorist without the right coverage, you may have to take care of any medical payments, damages, or any other expenses with money from your own pocket.

It’s Important to be Prepared for Everything

Uninsured/Underinsured Motorist Coverage gives you the assurance you need knowing that your medical expenses will be covered. In cases where the driver at fault does not have adequate liability to pay for your injuries and damages, you’ll be compensated for the amount in which you are legally entitled to – in regards to you, your passengers, and your vehicle. Uninsured/Underinsured Motorist Protection may also take care of property damage in some states.

Since Uninsured/Underinsured Motorist Coverage is a separate purchase from your typical Auto Insurance policy, it’s important to contact Golden Rule Insurance Agency to find out how you can be prepared for any situation on the road.

Contact us for a free quote.


Diminishing Deductible

Good Drivers deserve Great Rewards.

As a driver, safety should be one of your top concerns – safety for your passengers and for other drivers on the road. When you find the right coverage with Golden Rule Insurance Agency, you’ll learn that being a responsible driver has its benefits. With Diminishing Deductible, you can actually get rewarded for being an accident and violation-free driver.

When you sign up for Diminishing Deductible, you’ll receive an immediate $100 credit on your deductible. From there, you can add $100 of more credit for every year – simply by being a safe driver. Drivers under Diminishing Deductible can receive up to a maximum of $500 credit.

For even more options, talk to a representative at Golden Rule Insurance Agency about Total Loss Deductible Waiver. If your car gets totaled in an accident, and if you’re covered under this waiver, you won’t be responsible for paying your deductible.

It’s just one more way that Golden Rule Insurance Agency can provide quality coverage options for safe drivers.

Contact us for a free quote.


Accident Forgiveness

Don’t Let One Accident Hurt Your Record.

We understand that accidents happen. On the road, there are many situations that are outside of your control and sometimes cannot be avoided. At Golden Rule Insurance Agency, we don’t want an accident to hurt your driving record, or even cause your rates to go up. With the right coverage, you can be forgiven for your first chargeable accident through Accident Forgiveness.

Under Accident Forgiveness, if you’re involved in an accident, your rates won’t increase – even if the accident is your fault. This applies only one time per policy, and once it’s been used, you’ll be eligible to receive it again three years later.

Contact a representative at Golden Rule Insurance Agency today to find out how you can receive the benefits of Accident Forgiveness for your Auto Insurance policy.

Contact us for a free quote.


Minor Violation Forgiveness

Everyone Deserves Another Chance.

We know that if you’re a safe driver, you probably take every precaution possible when behind the wheel. But if you receive a citation without the right coverage, that one minor violation could affect your good driving record.

At Golden Rule Insurance Agency, we can help you receive a proper coverage option, like Minor Violation Forgiveness, that allows you to avoid accidental points on your license.

With Minor Violation Forgiveness, if you receive a minor traffic citation, you’ll be prepared with the assurance that your rates won’t increase. Like Accident Forgiveness, this applies only once per policy, and the coverage renews after three years of the most recent minor violation.

To find out more about how you can protect your reputation as a safe driver, contact Golden Rule Insurance Agency today.

Contact us for a free quote.


Roadside Assistance

Help On the Go.

On the road, anything can happen. From flat tires to breakdowns, it’s best to be prepared for it all. At Golden Rule Insurance Agency, we’re proud to offer the following packages of Roadside Assistance* coverage through Allied Insurance’s trusted “Sign and Drive” service:
  • Basic Package. This package includes towing up to 15 miles, fuel delivery, lockout, jump starts, flat tires, and membership discounts.
  • Plus Package. This includes everything in the Basic Package, plus towing up to 100 miles, trip interruption coverage, turn-by-turn directions, pre-trip map routing, and emergency messages.

With Roadside Assistance, you’ll never be alone behind the wheel. Contact Golden Rule Insurance Agency today to find out how you can get signed up.

Contact us for a free quote.

Services apply while driving any vehicle with any occupant from an Allied household (insureds and in-home relatives).

*Roadside Assistance coverages and availability vary from state to state. Please contact a representative at Golden Rule Insurance Agency for full details.


Specialty Auto

It’s More Than Just a Hobby.

Whether it’s an antique, a collectible, or your own custom-built roadster, your Specialty Auto is a labor of love. If you’re like most enthusiasts, you’ve poured many hours of time and effort into making your auto something unique and special. At Golden Rule Insurance Agency, we realize that when you’re cruising down the strip, speeding across the track, or making heads turn at a show, the last thing you want to worry about is whether you have the right insurance.

We believe that your specialty car is not only a major investment, but also an extension of you. And a vehicle as unique as its driver requires more than a standard insurance policy. That’s why we’re proud to offer a variety of specialized coverage options for the following vehicles:
  • Collectibles
  • Antique and Classic Cars
  • Hot Rods
  • Custom-Built Cars
  • Show Cars
  • Race Cars

With options and choices ranging from agreed value coverage to spare parts coverage, Golden Rule Insurance Agency can provide you with the tools you need to insure your timeless automobile. We even offer multi-vehicle discounts for the avid collector.

Whatever your situation, you can rest assured that your Specialty Auto is protected with Golden Rule Insurance Agency.

Contact us for a free quote.


24/7 Customer Service

Round-the-Clock Service for Your Convenience.

At Golden Rule Insurance Agency, we strive for quality service with your convenience in mind. By offering 24/7/365 support, we’re here to serve you – when you need us most. Since accidents and non-collision oriented situations can fall outside of normal business hours, we’ve partnered with Allied Insurance’s On Your Side® service center to provide you with extended hours in case you need assistance.

For claims, accidents, billing information, and more, you can contact an Allied representative 24 hours a day, seven days a week at 800-282-1446.

Contact us for a free quote.


Towing

Help When You Need It Most.

Your car gives you the freedom to take on the open road. Whether you’re enjoying the scenic countryside or driving to your favorite vacation spot, your adventures can be more enjoyable knowing that help is right around the corner with the convenience of Towing services.

In the event of an unexpected breakdown, the last place you’ll want to be is stranded on the side of the road, or stuck with costly towing fees. By adding Golden Rule Insurance Agency's optional Towing coverage to your Auto Insurance policy, you’ll get the peace of mind knowing that no matter where your journeys take you, you’ll never be alone.

In addition to our Towing coverage, Golden Rule Insurance Agency also offers Roadside Assistance packages that include valuable extras like fuel delivery, turn-by-turn directions, jump starts, flat tire repair, and more. Contact a representative at Golden Rule Insurance Agency today for more information.

Contact us for a free quote.


Rental Reimbursement

Get Back On the Road Faster.

We understand that your days are busy, and between work and your family, not having a car is typically out of the equation. If your vehicle is left out of commission after an accident or theft, Golden Rule Insurance Agency offers Rental Reimbursement services so that you won’t miss a beat.

Rental Reimbursement is an optional coverage option that provides for the expense of renting a substitute vehicle while yours is being repaired or replaced. Since benefits and details vary by insurance policy, it’s important to speak with a specialist at Golden Rule Insurance Agency to make sure you know what’s covered and to see if you qualify for this additional service.

Contact us for a free quote.


Personal Injury Protection

Coverage that Helps You Get Well.

At Golden Rule Insurance Agency, we know that the safety and well being of you and your family is important, both on and off the road. Since auto accidents can involve more than just damage to your car, we’re here to help prepare you for insuring any injuries to you or a family member as a result of an auto accident.

With Personal Injury Protection from Golden Rule Insurance Agency, you’ll have a policy that helps pay for the treatment of you and your family members should someone get injured as a passenger or pedestrian. PIP extends to cover expenses beyond medical bills, such as loss of wages or services, and in some cases, funeral costs. Personal Injury also can extend to take care of your passengers’ bills.

Don’t let the cost of medical expenses be a burden. Get your family treated and on the road to recovery with Personal Injury Coverage from Golden Rule Insurance Agency.

Contact us for a free quote.


Mexican Auto Insurance

Not All Countries Have the Same Rules.

It’s important to be aware of how your insurance needs can change when traveling abroad. In Mexico, for example, the rules and regulations for being legal on the road are different than those in the U.S. and Canada. If you’re involved in an accident across the border, the Mexican authorities will not accept your standard U.S. insurance policy, and driving without proper Mexican Auto Insurance could potentially put you in major legal trouble.

The Mexican government requires a minimum of liability coverage for all vehicles driven from the United States into Mexico, and the same rules apply to those rented in Mexico.

At Golden Rule Insurance Agency, we’re dedicated to serving all of your insurance needs. That’s why we’re committed to working with you to find and offer an assortment of different policy options to ensure both your safety and legality on your next trip to beautiful Mexico.

For questions about Mexican Auto Insurance, please contact a specialist at Golden Rule Insurance Agency today.

Contact us for a free quote.


Medical Payments Coverage

You Can’t Put a Price on Safety.

When it comes to the safety and security of you and your family, nothing should be left to chance. If you or your loved ones get involved in a car accident, your number one priority should be to make sure everyone receives the care and treatment they need – at a cost that keeps your finances and savings intact.

Being insured with an auto policy that includes covering Medical Payments ensures that most medical expenses will be taken care of if you or a family member is injured in an auto accident as either a passenger in the car, or as a pedestrian struck by an auto. This coverage applies the same regardless of who is at fault and extends to the policyholder’s family members, as well as any passengers in the vehicle.

The rising cost of healthcare has made paying out of pocket for major medical expenses extremely difficult. If you worry about not being able to take care of your family in the event of an accident, keep in mind that with the right Auto Insurance policy, you won’t have to anymore.

Contact Golden Rule Insurance Agency today to learn about how the right coverage can keep those you care about most protected.

Contact us for a free quote.

Protect What Matters Most.

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Your family is your responsibility and your life, and there’s nothing better than watching them succeed and sharing in their ambitions, dreams, and conquests. But should something unexpected happen to you, you’ll want to be prepared for providing the assurance your family needs to keep their futures safe and sound. At Golden Rule Insurance Agency, we’ll work with you to keep your family protected in the event of your untimely death.

A proper Life Insurance policy can give you peace of mind knowing that your finances and beneficiaries are secure – from temporary to permanent coverage. At Golden Rule Insurance Agency, we understand that as things in your life change, so will your financial and insurance needs. That’s why it’s important to review your Life Insurance options with a specialist you can trust.

Whatever your situation, we offer Life Insurance options, such as:

Indivudal Life Insurance

Why Life Insurance?

Life Insurance is one of the most important investments you can make. It’s an investment in yourself and the future of your loved ones, and it’s a way to secure your financial responsibilities to your family.

Your Life Insurance policy can be used to pay off debts and estate taxes, provide money for continuing mortgage payments, and keep your business up and running upon your passing. But most important, it can be used to ensure that your family’s dreams for the future become realities.

Protect what matters most in your life with a policy from Golden Rule Insurance Agency.

Receive your Free Quote Today.

Golden Rule Insurance Agency provides quality Life Insurance solutions for clients near Osage Beach,Lake Ozark,Eldon,Camdenton,Sunrise Beach,Lebanon, MO

 

Individual Life Insurance

Peace of Mind for You and Your Loved Ones.

Many individuals consider Life Insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing.

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to ensure that the family home stays in the family.

At Golden Rule Insurance Agency, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the peace of mind you deserve.

Types of Individual Life Insurance

Golden Rule Insurance Agency offers several different coverage options for your consideration: Term Life, Whole Life, Universal Life, and Variable Life Insurance.

Term Life – This is typically the simplest and least expensive insurance option. Term Life Insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most Term Life policies can be converted to a more permanent insurance solution such as Whole Life, Variable Life, or Universal Life Insurance.

There are two types of Term Life Insurance:
  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
Whole Life – As the most common type of permanent insurance, a Whole Life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest.

Universal Life – Universal Life policies are designed to be more flexible than other permanent Life Insurance. You are still guaranteed a death benefit for the duration of the policy as well as savings that accumulate cash value, but the flexibility of a Universal Life plan allows you to change certain aspects of your plan to accommodate life changes.

Depending on your options, you have the flexibility to change the overall value of the death benefit as well as the time and amount in which you pay your premium. This gives you the option to focus on building your policy’s cash value, or pay a lower premium and focus on guaranteed protection. It’s important to note that changes to your Universal Life policy can affect its guarantees and limits.

Variable Universal Life - With a Variable Universal Life (VUL) Insurance policy, you get the same flexible benefits of Universal Life while being able to take advantage of potential economic growth in the stock market. Instead of creating a cash value for savings, the value of your VUL policy is invested in professionally managed funds that reflect the performance of the stock market. This also means that as the policy owner, you assume the risk and responsibility of monitoring your own investments.

Golden Rule Insurance Agency is Here For You

There are many things to take into account when purchasing Life Insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-Term Life Insurance needs.

An insurance specialist at Golden Rule Insurance Agency will review your current Life Insurance situation and help you design a policy to plan for the future.

At the end of the day, one of the biggest investments you can make is an investment in yourself.

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Mortgage Protection Insurance

Keep the Family Home in the Family.

You’ve always been there for your family, and you want to make sure they’re taken care of after you’re gone. In the event of your passing, family income is reduced and expenses can start to pile up, the largest of which is usually the home mortgage.

Mortgage Protection Insurance from Golden Rule Insurance Agency is a simple and affordable way to safeguard your family against the financial burden of an outstanding mortgage in the event of your death, by helping to pay off the remaining balance up to a specified amount. With the right coverage, your family can continue living in the house they’ve come to call home.

Talk with a specialist at Golden Rule Insurance Agency to see if Mortgage Protection Insurance is right for you and to discuss other Life Insurance options to give your family the peace of mind they deserve.

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Disability Insurance

Your Biggest Asset is You.

When it comes to protecting your assets, one of the most important things you can insure isn’t a material object like your car or home – it’s your ability to work and earn a living. At Golden Rule Insurance Agency, we know that like most people, you depend on your income to pay bills, put food on the table, and provide for your family. But if you get sick or injured and can’t work, you’ll need to be protected in order to maintain your standard of living.

With Disability Income Insurance from Golden Rule Insurance Agency, you can continue to pay your bills and keep you and your family from going into serious debt. If you can’t work as a result of injury or other illness, a Disability Insurance policy will pay a portion of your income, usually between 50 and 70 percent.

Policies can vary greatly depending on the individual, and the duration and amount for which you are reimbursed are determined by the nature of the disabling accident. Like Life Insurance, Disability is purchased for a period of time, such as a two or five-year term, and benefits will only be paid if you become disabled during the term of the policy.

Choosing the right Disability coverage is important. In the event you become disabled, you’ll want to ensure that you and your family have enough coverage. A representative at Golden Rule Insurance Agency will look at the individual factors in your life and work situation, and help design the best policy that meets your personal insurance needs.

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Second-to-Die

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. Golden Rule Insurance Agency knows that couples today can easily accumulate wealth in the millions, which means hefty estate taxes in the event of either spouse’s passing. A Second-to-Die policy, also known as Survivorship Insurance, is a type of joint insurance that covers the lives of two people, usually married couples, where the death benefit is not paid until the death of the second insured person.

Under federal tax law, you are permitted to leave an unlimited amount of personal assets to the surviving spouse, allowing you to postpone estate taxes until the death of the second spouse. While this lets you keep personal assets, such as home or business, within the family, it also means that your beneficiaries may be faced with paying a large estate tax after your passing.

A Second-to-Die policy from Golden Rule Insurance Agency gives your beneficiaries the means to pay off your estate taxes without having to liquidate the personal assets you’ve worked hard to attain. And because the policy insures more than one person, you’ll also enjoy a lower premium, and the total cost of the insurance will be cheaper than the estate taxes your beneficiaries will be liable to pay.

Due to the specialized nature of Second-to-Die insurance, some limitations may apply. It’s important to discuss your options with a specialist at Golden Rule Insurance Agency to determine the right coverage amount for you and your family.

Contact us for a free quote.

Health Insurance

Good Decisions Today for a Healthy Tomorrow.

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Like Life Insurance, Health Insurance is a valuable asset when it comes to safeguarding you and your family. Having proper health coverage will protect you from financial hardships that could arise if you or a family member are ever sick or injured and can’t work. For businesses, having the right health benefit package is often the key to keeping your employees happy and productive, while providing the assurance that they’re protected.

At Golden Rule Insurance Agency, we strive to offer the best Health Insurance options possible – from individual and group plans to specialized packages that may include dental and vision coverage.

Depending on your needs, our health care packages can include:
  • Individual & Family Health Insurance
  • Dental Coverage
  • Vision Coverage
  • Long-Term Care Insurance
  • Temporary Health Insurance
  • Supplemental Insurance
  • Disability Insurance
  • Medical Expense Insurance
  • Child Health Insurance
  • Travel Health Insurance
  • Prescription Insurance
  • HSAs

Why Health Insurance?

When it comes to your health you can never be too careful, and with the rising cost of medical care, Health Insurance has become a top priority. In order to have your health expenses covered at a reasonable price, having the right insurance is a necessity. Although plans vary according to your needs, they can cover anything from medical and hospital expenses to prescription drugs.

While finding the right Health Insurance is not always an easy choice, Golden Rule Insurance Agency's representatives are committed to providing the knowledge and support you need to help you make the right decision for you, your family, or your business.

Golden Rule Insurance Agency provides quality Life Insurance solutions for clients near Osage Beach,Lake Ozark,Eldon,Camdenton,Sunrise Beach,Lebanon, MO.

Contact us for a free quote.

Long Term Care Insurance

Personal and Financial Protection for the Long Term.

For most Americans, a traditional Life and Health Insurance package is enough to keep themselves and their families insured, but for many, additional coverage is required. At Golden Rule Insurance Agency, we offer extensive coverage options that can insure the care of those who need it most.

Long-Term Care Insurance (LTC) helps provide for the medical expenses of extended home health care or nursing home costs beyond a specified period. In general, individuals who require Long-Term Care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance.

The costs of Long-Term Care can be quite expensive, and are typically not covered under basic Health Insurance, Medicare, or Medicaid. Long-Term Care Insurance from Golden Rule Insurance Agency can protect your family’s financial future by providing valuable coverage benefits for costs associated with:
  • Home Care
  • Assisted Living
  • Adult Daycare
  • Hospice Care
  • Nursing Homes
  • Respite Care
Individuals looking to purchase Long-Term Care Insurance must meet certain conditions in order to qualify for benefits. Talk to a professional at Golden Rule Insurance Agency to learn more about Long-Term Care Insurance and whether you should add it to your current policy.

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Identity Theft Insurance

Get Back to Being Yourself.

Identity Theft has become the fastest growing white-collar crime in America. All it takes is your name, social security number, and date of birth, and a thief can apply for everything from a credit card or a bank loan to even an insurance policy. Having your identity stolen damages your sense of security, but the real hardship may be how difficult, time-consuming, and expensive it can be to restore your credit and get your life back on track.

Identity Theft coverage from Golden Rule Insurance Agency is a simple and affordable way to protect you and your family from this growing threat. By adding ID coverage to your current Homeowners, Condo, or Renters Insurance policy, you’ll receive invaluable tools to help cover the costs and expenses of restoring your identity.

Included in a policy with Identity Theft protection are expenses associated with:
  • Attorney Fees
  • Costs of Certified Mail
  • Loan Re-Application Fees
  • Costs of Long Distance Phone Calls
  • Reimbursement for Lost Income
  • Costs of Executing Affidavits

Our Goal is to Secure Your Identity

In addition to helping you get your finances back in line, Golden Rule Insurance Agency also offers some of the best service in the industry, with round-the-clock assistance from experienced professionals. Our Identity Fraud experts will work with you one-on-one to quickly assess your situation and take action to:
  • Stop further damage to your credit by contacting major credit bureaus
  • Make all required phone calls to creditors, banks, and agencies with whom you do business
  • Assist in replacing valuable documents like your driver’s license, passport, or social security card
  • Provide an emergency cash advance if theft occurs while away from home*
Having your identity stolen is frustrating enough. Having to recover and restore your credit and finances should not have to be. Talk with a specialist at Golden Rule Insurance Agency to learn how Identity Theft coverage can help save you time, money, and a whole lot of pain.

*Restrictions and limits apply

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Personal Umbrella Insurance

Be Ready for Anything and Everything.

Personal Umbrella Liability is one of the most commonly overlooked policies, but in the case of a catastrophic financial event, it could be the best line of defense you’ll ever have. If you’re involved a major auto accident or if someone gets injured on your property, you could be sued for damages well beyond the liability coverage provided by your Home and Auto Insurance policies.

In such a critical situation, having Personal Umbrella Insurance from Golden Rule Insurance Agency will protect your home, car, future wages, and all of your priceless assets from being used to pay for the expenses.

Coverage That Keeps You Protected

An Umbrella Liability policy from Golden Rule Insurance Agency works to give you additional protection when damages exceed the liability coverage of your standard policies. It also offers extra security for many situations that may not be included in your basic insurance.

Personal Umbrella insurance can be applied to events such as:
  • Car Accidents
  • Accidental injuries on your property
  • Accidents involving your boat, ATV, or other recreational vehicle
  • Golf Course Injuries
  • Defense fees and other legal costs
  • Personal Injury Coverage for claims of libel, slander, and more
At Golden Rule Insurance Agency, we are committed to the safety and security of you and your family, which is why we will work with you to create a perfect policy that protects all of your interests. Since Personal Umbrella Insurance will vary depending on your individual coverage needs, it’s important to discuss your options with one of our insurance specialists before making a decision.

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Special Event Insurance

Ensure the Success of Your Big Day.

Anniversaries, birthday celebrations, graduation parties, and weddings - these are all special events that celebrate important moments in a person’s life. Planning such an event often involves a lot of time, money, and effort, all in the hopes that everything goes as expected.

Golden Rule Insurance Agency's Special Event Insurance is designed to provide you with peace of mind and financial protection in the event you have to cancel your special plans due to adverse weather conditions or a natural disaster. Most policies also cover cancellation when serious injury or illness prevents a key participant from attending the event.

Wedding Insurance

Your policy can even help you recover some of the costs if a key vendor of your wedding, such as the caterer, florist, or photographer fails to show up. Additional options for your Special Event Insurance are available and can include coverage for:
  • Gowns and tuxedos
  • Theft or damage to gifts
  • Extended coverage for honeymoon cancellation
  • Professional counseling if the cancellation of the event causes severe emotional distress
Most event sites have their own liability insurance; however, if you decide to hold your event at home, you may also want to purchase Liability Coverage that extends beyond your Homeowners policy.

Ensuring that your wedding is protected is an important part of planning for it. Since Special Event Insurance is designed on an individual basis, it’s important to discuss your specific insurance needs with a professional. Contact Golden Rule Insurance Agency today to learn more.

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Other Insurance Services

Golden Rule Insurance Agency is committed to providing expert advice and quality insurance products that keep your future protected. Some of our other insurance products include the following:

Recreational Vehicle Insurance
Data Backup


Recreational Vehicle Insurace

The Road Less Traveled.

The thrill of adventure – it’s what owning a recreational vehicle is all about. Whatever your interest, be it cruising on your motorcycle or exploring the road less traveled on your ATV, Golden Rule Insurance Agency offers advanced coverage options to meet the insurance needs of the adventurer in everyone.

Whether you’re an experienced outdoor enthusiast or just starting out, we have a policy to fit your needs. From RVs and boats to ATVs, Golden Rule Insurance Agency can ensure the safety of both you and your vehicle. Our insurance options provide you with the service and rich features you expect – from comprehensive and collision coverage to personal injury protection and towing costs.

We offer a variety of Recreational Vehicle Insurance packages, such as: 
  • Boat Insurance
  • Motorcycle Insurance
  • Motorhome Insurance
  • ATV Insurance
  • Snowmobile Insurance

Why Recreational Vehicle Insurance?

Owning a recreational vehicle can be a dream come true. It gives you the freedom to travel and the capability to explore new places, but with freedom comes responsibility. Should an accident happen – such as property damage, vandalism, or bodily injury as a result of a crash – it’s reassuring to know that your investment is protected.

With Recreational Vehicle Insurance from Golden Rule Insurance Agency, you can continue living the dream with confidence, knowing that you, your vehicle, and your passengers are protected. Contact one of our representatives today to find a package that works best for you.

Receive your Free Quote Today.

Golden Rule Insurance Agency provides Recreational Vehicle Insurance to adventurers near Osage Beach, Lake Ozark, Eldon, Camdenton, Sunrise Beach, and Lebanon.

Data Backup

Insurance of a Different Kind.

Technology has made keeping up-to-date records of your personal finances, assets, and business documents easier than ever. No longer do you have to deal with scattered papers and overfilled filing cabinets. Instead, you can keep all of your most precious information neatly organized and secure on your own personal or business computer.

Unfortunately, accidents can also happen in the virtual world – from hackers to technological malfunctions. That’s why it’s important to be prepared, so you can keep your documents safe.

Data Backup is a specialty service from Golden Rule Insurance Agency that ensures the safety of your electronic records, documents, and other important files by periodically backing them up for you to our secure server. It can save you time and money, as well as protect you from major information loss.

To learn more about Data Backup as well as our other distinctive services, contact a representative at Golden Rule Insurance Agency today.

Contact us for a free quote.

 

   
   
Golden Rule Insurance
4065 Osage Beach Parkway
Osage Beach, MO  65065

Tel: 573-348-1731 Fax: 573-348-5630
     
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