You know you need homeowners insurance – not only because your lender requires it, but also because it is a highly effective means of protecting the financial investment you put into your property. Homeowners insurance is not a one-size-fits-all purchase. On the surface, coverage may seem fairly standard. It’s not. In fact, there are countless types of coverage available in the Show Me State, with many different options you can choose from to modify your policy’s protection. Homeowners insurance is truly a customizable product and should be personalized to fit your needs. At Mid Rivers Insurance Group, we work closely with our customers to find affordable and comprehensive insurance solutions that will work for them – not against them – after a claim.
Property Insurance in Missouri
Missouri homeowners know that the weather can change in an instant. One month you could be facing record-breaking snowfall, and another may bring lightning, hail, and even tornadoes. If your home were damaged in a storm, could you afford to repair it? What if it were completely destroyed? Would your homeowners insurance cover the entire cost to rebuild it? What about the cost to replace all of your belongings? These are the types of questions homeowners must ask themselves when purchasing property insurance. If you wait until you file a claim to find out your insurance only covers your losses for their actual cash value instead of their replacement value, the financial fallout could be devastating.
Property insurance is coverage for the things you own, from your dwelling and outbuildings to your furniture and clothes. Depending on the type of policy you select, it can protect you from a wide range of named perils, including:
- Fire, Smoke, and Explosions
- Wind, Hail, and Tornadoes
- Ice, Sleet, and Snow
- Frozen Pipes
- Theft and Vandalism
- Riots and Civil Unrest
- Falling Objects
- And More
As a Mid Rivers Insurance customer, you will work closely with an agent to determine your coverage needs. Our coverage can include protection for:
- Exterior Structures (i.e. fences, detached garages)
- Personal Belongings
- Specialty Coverage (i.e. expensive collections)
- Temporary Living Expenses (when your home becomes uninhabitable)
Homeowners Liability Insurance
Liability insurance is an important part of a Missouri homeowners policy. This type of coverage helps protect you if someone gets hurt while visiting your home. A lawsuit – even a frivolous one – can cost a lot of money in legal defense fees alone. If a victim wins a judgment against you, the financial fallout could be overwhelming and even devastating. Liability insurance is designed to protect you if you become liable for a third party’s loss or injury.
Consider this: A homeowner is sued for the traumatic injuries a friend’s child received after falling down the stairs in her home. The injured child’s parents win a judgment worth hundreds of thousands of dollars. Without adequate liability insurance, the homeowner is forced to liquidate savings accounts, sell assets, and make payments from future wages until the debt is paid. Had the homeowner purchased liability insurance, the entire judgment may have been covered by the insurer.
Affordable Missouri Homeowners Insurance
Here at Mid Rivers Insurance Group, we know the unique needs of St. Peters homeowners because we live in the area ourselves. As local agents, that live and work in Eastern Missouri, we understand that our customers are interested in protecting themselves with quality coverage at low, competitive prices. We also understand that excellent homeowners insurance is more than a commodity; it’s a necessity. As an independent agency, we shop and compare rates from several of the state’s leading insurers. Our goal is to find premium protection at rock bottom rates.
If you are in search of affordable, quality insurance coverage, our professional team is ready to assist you in building a policy that’s right for you. Contact us today to request your free quote. We look forward to serving you soon.
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- Tips and Questions to Ask When Buying a New Boat
- Creating a Home Inventory to Properly Insure Your Personal Property
- How Much Home Insurance is Enough? Part Two