Protect Your Home and What's Important to You
We know that Missouri residents need the best possible protection for their homes, which is why we offer comprehensive policies at an affordable price. You can trust us to help you find the right coverage for your needs.
What is Homeowners Insurance?
Homeowners insurance is a type of property insurance that covers losses and damages to an individual's home and belongings. It also provides liability coverage in the event that someone is injured on the property. Homeowners insurance is typically required by lenders when a home is purchased with a mortgage. The amount of coverage required is typically based on the value of the home.
What does a homeowners insurance policy in Missouri cover?
A homeowners insurance policy typically covers the following:
The dwelling itself
Other structures on the property, such as a detached garage or shed
Personal belongings inside the home
Loss of use, which provides coverage if the home is uninhabitable due to a covered event
Liability protection in the event that someone is injured on the property
Ways to save on homeowners insurance
There are a few things you can do to help lower the cost of your homeowner insurance premium, such as:
Bundling your policies: You may be able to save on your homeowner insurance by bundling it with another type of insurance, such as auto or life insurance.
Protective device discount: Many insurance companies offer a discount if you have certain types of protective devices installed in your home, such as smoke detectors, fire sprinklers or extinguishers, or a security alarm system.
Choosing the best coverage for you
When choosing homeowners insurance in Missouri, it’s important to find a balance between the coverage you need and the price you’re willing to pay. Talk to one of our experienced agents to help you determine the best coverage for your needs.