Home Insurance
Coverage for your house, your belongings, and your peace of mind.
Your home is likely your biggest investment. We’ll help you insure it for what it would really cost to rebuild today, protect what’s inside, and cover you if someone is hurt on your property.
What it can cover
Your dwelling
Repairs or rebuilding after covered damage like fire, wind, and hail.
Your belongings
Furniture, clothing, electronics, and more, at home or away.
Personal liability
Protection if someone is injured on your property or you accidentally damage someone else’s.
Extra living expenses
Help with a place to stay and added costs if a covered loss forces you out of your home.
Options worth asking about
- Replacement cost coverage so a claim reflects today’s cost to rebuild or replace, not depreciated value.
- Earthquake coverage Missouri sits near the New Madrid fault, and standard home policies exclude earthquake damage.
- Sewer and drain backup a common, costly gap that standard policies may not include.
- Other structures detached garages, barns, sheds, and fences.
- Identity theft help restoring your identity if it’s stolen.
- Renters and mobile home coverage built for how you live.
Umbrella coverage
An umbrella policy adds an extra layer of liability protection, often $1 million or more, above your home and auto limits. If you own a home, have teen drivers, a pool, rental property, or a business, it’s one of the most valuable protections for the cost. Ask about umbrella coverage.
Common questions
Is earthquake damage covered by my home policy?
Not usually. Earthquake coverage is typically added separately. Given Missouri’s proximity to the New Madrid fault, it’s worth a conversation.
How much dwelling coverage do I need?
Enough to rebuild your home at today’s construction costs, which can be very different from its market value. We’ll help you estimate it.
Do I need renters insurance?
Your landlord’s policy covers the building, not your belongings or your liability. Renters coverage is usually very affordable.
Not sure what you need?
Start with a free account review. We’ll look at what you have, what you might be missing, and where you could save.