Homes in Eastern, MO range in value. For example, your O’Fallon area home has a median value of $126,285 based on Zillow.com reporting for 2019. This is a 2.2% increase in value from the prior year for this community alone. Throughout the area, whether its Jefferson City, Wentzville, or Kirksville, protecting your home requires you to obtain information about the best home insurance coverage you can find.
Understand that the process of finding the right insurance protection for your appreciating asset can best be facilitated through the assistance of an independent insurance agency. Their experience and expertise, like that provided by the professionals at Mid-Rivers Insurance, makes buying the right coverage easier for you and your home.
Working with Potential Disqualifications
You may disqualify for the best home insurance policies with some insurance companies if you have any of the following conditions:
- Have a criminal record or history (specifically for fraud or breach of honesty)
- Have a history of filing insurance claims
- Have a history of not paying premiums, resulting in a policy lapse
- Have dangerous zip code or live in a “bad/dangerous” area
- Have hazardous materials or live near a hazardous area
- Have a home require extensive maintenance and repairs
These conditions may be more pronounced when working with an insurance agent representing a singular insurer. Working with an independent insurance agency allows you to shop your risk around, increasing the probability of finding the best home insurance coverage for your home.
Knowing What’s in the Policy
When you work with an insurance agent that represents only one insurance company, you do not have the opportunity to compare what may be different in the policy being presented to other insurers. This limits the potential benefits you may be entitled to and could result in you paying for inadequate insurance. Ask for a copy of the sample policy from multiple companies and have a discussion with your independent agent to determine which coverage is the best.
Understanding the Different Pricing
Multiple quotes provide you with the different pricing information you need for the best home insurance coverage. You receive more than one quote by working with an agency that is not captive to one insurance company. Different insurance companies price risk differently; looking at the factors listed above along with others. It is in your interest to receive more than one quote for your home and be able to compare pricing to see which option is your best option.
Comparing Insurance Companies
Companies like A.M. Best provide independent ratings of insurance companies. These ratings are based on two important factors: the ability of the insurer to pay claims and their financial strength and stability. An independent insurance agency can provide quotes from a variety of insurance companies whose A.M. Best ratings can be obtained for comparison purposes. It is important to understand how to look at these ratings and assess the strengths and weaknesses of the company you choose. This comparison is best done through the counsel of one of our insurance professionals.
Meet Your Home Insurance Needs with Mid-Rivers Insurance
Mid-Rivers Insurance is an independent insurance agency doing business in O’Fallon, Jefferson City, Wentzville and Kirksville, MO. The experience and expertise of the team at Mid-Rivers Insurance reach customers throughout Eastern Missouri and as far as Des Moines, IA, Springfield, IL, Kansas City, and even Chicago! We are fully independent, which gives you an objective and unbiased recommendation of the best home insurance coverage appropriate for your situation, not that of just one insurance company. Contact Mid-Rivers Insurance and begin the process of finding the insurance coverage appropriate for your home.
