Homeowners Insurance
Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Home Insurance in Eastern Missouri and Illinois
Protection for Homeowners Throughout Missouri
Your home is one of the most important places on earth. It is where you can grow your career, start a family, invite new friends and more. With the freedom of owning a home also comes responsibility, however, and keeping your home safe is crucial. Without a home insurance policy, you could face damages to your home and belongings all out of pocket.
Associated Insurance Brokers has over 40 years of experience helping Missouri homeowners protect their homes with reliable and affordable insurance. Our kind insurance professionals will help you evaluate your home’s risk and calculate how much coverage your home needs.
What is the Best Home Insurance?
Home insurance needs are different for everyone. Some families may need higher liability risks due to frequent guests or protective pets. Other homeowners may need added coverage for expensive items such as jewelry and art. The best home insurance for you is a home insurance policy that comprehensively protects you, your family, the home and your belongings—no matter what that policy looks like. Before searching for a home insurance policy, consider:
- The risk of lawsuits
- The value of your personal belongings
- The total replacement cost value of the home
What Does Homeowners Insurance Cover?
A basic home insurance policy covers four main areas:
Liability
Personal general liability under home insurance covers accidents of bodily injury and property damage someone else may suffer. For example, if a visitor trips and falls in your home, liability insurance can help pay for their medical bills. It can also protect you in case of a lawsuit regarding these types of accidents. Liability can also extend to cover damage and injuries caused by your children or pets. If your pet bites someone, or if your child accidentally breaks someone’s window with a baseball, liability insurance can help pay for the related expenses.
Dwelling
Dwelling coverage provides compensation for damages to the physical home and its attached structures. It covers against a list of perils, including fire, wind, hail, lightning, smoke, explosions, falling objects, theft and vandalism. This does not generally cover things such as fences and outdoor signs.
Personal Belongings
Personal belongings coverage provides compensation if your personal items are lost or damaged due to many of the same perils as covered by dwelling insurance. There are also optional policy floaters available to cover your expensive items such as jewelry, furs, art and electronics.
Additional Living Expenses
Additional living expense coverage helps cover costs related to temporarily moving if your home is rendered uninhabitable by a disaster. If a hurricane sweeps in and destroys your home, for example, this coverage can help with the cost of food, temporary shelter and more.
Protect Your Home Today
Protect your home with the policy it deserves. Call Associated Insurance Brokers at (636) 391-3500 or fill out an online quote form to get started today.
Common Home Insurance Questions
How Much Home Insurance Coverage Do I Need?
Every home is different and your insurance needs will vary. In general, you should cover enough home insurance to cover the total replacement cost value of your home. Speak with an insurance agent about insuring your home today.
How Much Does Home Insurance Cost?
Home insurance premiums vary depending on your location, credit score, claims history, coverage limits, value of the home and other factors. Fill out an to save money on home insurance today!
How Does Home Insurance Work?
When you purchase a home insurance policy, you are purchasing coverage in case of an accident. If a disaster or accident occurs at your home, you can file a claim on your home insurance policy to receive compensation.
What Home Insurance is Required by Law?
Although it may be a surprise, home insurance is not generally required by state or federal law. Instead, mortgage lenders will generally require you to carry enough home insurance to cover your mortgage.
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