Missouri Homeowner’s Insurance FAQs

Why should I purchase Homeowner’s Insurance?

Homeowners protects your valuables due to a disaster, and also protects you by offering liability coverage in case someone is injured on your property.

How can I ensure my valuables are covered in the event of a disaster?

Many insurance providers recommend you take an inventory of all of your valuable items to be submitted to the insurance company. You should also be sure to ask if all of your valuables are covered under your policy. Certain items may require additional coverage. If you have antiques it is a good idea to submit professional appraisals to your insurance provider to make sure you are covered for the full amount.

Does Homeowner’s Insurance cover flood damage?

Many times this is not included with your basic policy, but flood damage can often be purchased at an additional price. If you live in an area that is prone to flooding then you should ask your insurance provider if you are covered. We can help make sure you are covered for flood damage.

Does my home owners insurance cover against losses due to fire, lightning, tornadoes, wind storms, hail, explosions, smoke, vandalism and theft?

Most of the time all of these scenarios are covered. If you are concerned about these types of events we will work with you to make sure your policy covers these.

Is earthquake damage covered?

Usually not, but it can be added to your policy.

How can I save money on my Homeowners Insurance?

Often times insurance providers will offer discounts for safety features such as the correct number of working smoke detectors, security systems, and other safety features. You can also pay your full premium upfront or increase your deductible to save money.