Home Insurance
Protection for Every Type of Home
Home insurance keeps your space and the things you rely on protected, whether you live in a single-family home, condominium, rental, mobile or manufactured home, or farm dwelling. It provides support when unexpected damage occurs and helps you recover without disrupting daily life.
With flexible options and add ons, you can tailor your policy to match how you live and the type of property you call home, ensuring you’re covered in the moments that matter most.
Dwelling Protection
Covers the structure of your home from the roof and walls to built-in appliances and attached garages against covered perils like fire, wind, hail, and theft.
Other Structures
Protects additional buildings on your property, like sheds, barns, fences, or detached garages.
Personal Property
Covers your belongings, furniture, clothing, electronics, and more whether they’re in your home or temporarily away (like in your car or college dorm).
Loss of Use (Additional Living Expenses)
If your home is damaged and you can’t live in it temporarily, this coverage helps pay for living expenses like hotel stays, meals, and rent while repairs are being made.
Personal Liability
Protects you financially if someone is injured on your property or if you accidentally damage someone else’s property. It also covers legal defense costs if you’re sued due to a covered
incident.
Medical Payments to Others
Provides limited medical coverage if a guest is injured on your property no lawsuit required.
Built-In Discounts & Ways to Save
We believe peace of mind shouldn’t come with a high price tag.
Multiple Policies (Auto + Home + Life)
Protective Devices (Smoke, Fire, or Security Systems)
New Home or Renovation Credits
Claims-Free History
Loyalty Discount
Optional Add-Ons to Customize Your Coverage
You can enhance your home insurance with optional add-ons that fill important coverage gaps. Options like farm personal property, sewer or sump backup coverage, and earthquake endorsements help you stay prepared for unexpected issues Missouri homeowners often face.
Identity theft restoration can also be added to support you if your personal information is stolen, covering recovery services and related expenses for extra peace of mind.
Sewer Backup & Sump Overflow
Helps pay for cleanup and repairs if water or sewage backs up into your home a valuable safeguard during Missouri’s heavy rain seasons.
Earthquake Coverage
Because we’re not immune to tremors in Missouri, you can add this endorsement to protect your home from earthquake damage.
Identity Theft Restoration
Helps recover your identity and reimburses related expenses if your personal information is stolen.
Put You & Your Family in Good Hands
Reach out today and we’ll help you find coverage that fits your home, family, or business.