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A home or an apartment is one very large investment. Getting a homeowner's insurance can protect you from losses should unexpected circumstances happen to your home or your personal property. When purchasing an insurance, make sure that you are dealing with a broker, agent or company that is duly licensed by the Missouri Department of Insurance, Financial Institutions and Professional Registration (DIFP).

There are different types of homeowners policies provided by insurance provicders in Missouri. Four of these types provide coverage from home owners and occupants of one to two-family houses, while the other one is for renters occupying a house or apartment.

Broad Form (HO-2). Insures your home from the following perils: windstorm or hail, fire or lightning, aircraft, vehicles, riot or civil commision, smoke, explosion, theft, vandalism or malicious mischief, weight of ice, sleet or snow, accidental discharge or overflow of water or steam, freezing, accidental teating, burning, bulging or cracking, volcanic eruption and freezing. Special Form (HO-3). Insures your home of the perils mentioned above, along with other perils except war, flood, nuclear hazards and earthquake. Homeowners Policy for Renters (HO-4). If you are renting a house or an apartment, this policy insures your personal belongings, household furniture and offers additional liability coverage, living expense and medical payments along with the perils in HO-2. Condomiunium Policy (HO-6). HO-6 is a policy especially designed for condominium unit owners to insure personal property and other alterations not included in the condominium association. This policy covers everything in HO-2 along with personal liability and medical payments. Actual Cash Value Policy (HO-8). This is a policy designed for older homes wherein replacement largely exceeds the market value. It usually provides for commonly used materials which can be used for reconstructing of the property to its serviceable condition.

Other coverage that can additionally be provided in your policy include personal liability, where you are insured for damages you or a member in your family caused caused; medical payment, to insure you from accidents that can happen within your property of home; flood insurance, which covers flooding in flood-prone areas; and additional living expenses, where you are provided living expenses should your home becomes temporarily uninhabitable for one reason or another.

There are various policies to choose from when getting a homeowner's insurance. We help connect you with duly licensed insurance agents who can help you discuss your needs.