Missouri home owners insurance provides the necessary property damage coverage for your home. The basic policy, known as the HO-2 policy, carries coverage for most perils, including fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, a sudden cracking, and overflowing steam from air conditioners and water heaters. The more popular HO-3 policy offers bodily injury liability for your property, as well as additional property damage coverage. When you buy a home with a mortgage lender’s help, they usually require Missouri home owners insurance for the duration of the loan.
The many perils evident in Missouri are probably covered by your basic policy. The damage wrought by a heavy storm, falling objects, and the like, would likely be covered under the HO-3 policy, but you may need to review the “exclusions” section of your policy to see the limitations. Many homeowners do not realize that their policy does not cover flood damage. Homeowners need to purchase additional flood insurance to provide flood damage coverage.
Our service gets you connected to the top homeowners insurance carriers in Missouri and lets you choose the one that best fits your needs and budget. We have over 100 companies with agents represented in our network.
Because we work with so many carriers and brokers in all 50 states, we can make it easy to get multiple quotes for policies that can fit any special need or budget. Whether you need a standard home owners insurance policy, coverage for a luxury home, an umbrella policy, renters insurance, or coverage for a mobile or manufactured home, we can help. Additionally, we can help you find several types of specialty home owners coverage, including earthquake insurance, wind and flood protection, and coverage for high risk home owners.
Our process is fast, easy, and free! Simply enter your basic information into our online forms (your information will be kept safe on our secure servers). After you have completed our short online questionnaire, we will match you with local agents in your area who can provide additional quotes, answer any questions you may have about coverage, and assist you in every step of the buying process.