Request Homeowner's Insurance Quotes in St. Louis, Missouri

Homeowner's insurance is property insurance for privately owned homes. These policies typically provide financial protection for any damages that may occur to the home, the contents of the home, or the homeowner's personal possessions. It also acts as liability insurance in case accidents should occur on the property.

At St. Louis Insurance Company, we can provide insurance quotes for all types of homeowner's insurance policies including condo insurance and homeowner's insurance for vacant properties. We can also offer renter's insurance quotes for those renting homes, condos, or apartments. If you would like to learn about our homeowner's insurance policies or you would like to request a quote for any policy, call us today.

The Benefits of Homeowner's Insurance

Homeowner's insurance policies can offer many advantages and benefits. These policies are intended to financially protect individuals in the event of a variety of unforeseen circumstances. Here are some reasons why homeowner's insurance policies are important:

• Protects Homeowner's from Personal Liability: Homeowner's insurance protects you, the owner of the property, from lawsuits if anyone is injured in your house or on your land. In these cases, the policy will pay for physical injuries by covering a person's medical bills and expenses. Additionally, if you are sued as the result of an accident on your property, liability coverage also covers attorney costs.
• Protects Against Property Loss & Damage: Most homeowner's insurance policies protect your home and all its contents from damage caused by theft, fire, wind, or natural disasters including hurricanes and tornadoes. In general, insurance policies are designed to cover the amount necessary for rebuilding or repairing the damage as well as an additional amount for replacing lost or damaged property.
• Satisfies Lender Requirement: Many lenders require that borrowers have enough homeowner's insurance to at least cover the amount of the mortgage. In fact, in some cases, lenders will buy homeowner's insurance and charge the borrower the premium, if they find that the homeowner does not purchase a policy on their own.
• Protects Against Unforeseen Circumstances: Homes that are in earthquake, flood, or tornado zones are often not covered for these disasters by a standard home insurance policy. However, additional insurance can often be purchased to protect against these circumstances.

Pitfalls to Avoid when Buying Homeowner's Insurance

When comparing homeowner's insurance policies, it can be difficult to buy the right type of homeowner's insurance and to ensure that you have the proper amount of coverage. There are a few common mistakes that people make when buying homeowner's insurance. Working with a professional insurance agency, like St. Louis Insurance Company, can help you to avoid these missteps, which include:

• Under-insuring your home
• Assuming you have one flat deductible
• Not checking if you are covered from sewer backup or mold
• Assuming you are insured against floods, tornados, or other natural disasters

Request Homeowner's Insurance Quotes from St. Louis Insurance Company

At St. Louis Insurance Company, we can provide you with some of the most extensive homeowner's insurance policies you will find. When you come to us, we will help you find a policy that offers the coverage you need at a price you can afford.

If you have any questions about home insurance, give our insurance agency a call. You can also request insurance quotes online, and our insurance professionals will be in touch with you to provide quotes for policies that fit your needs.