Home Insurance in Missouri
Homeowners insurance in O'Fallon, MO will protect you from the unexpected burden of paying to rebuild your home after a disaster strikes. It can also help pay for your personal property if it is stolen or damaged, as well as additional living expenses if you need to live somewhere else while your home is being rebuilt. It will also give you liability coverage and medical bills up to a certain limit if a guest is injured at your property. There are certain things that are covered, such as fire, hail, lighting, vandalism, and damage caused by the weight of snow and ice. There are some things that won’t be covered, such as floods, earthquakes, normal wear and tear, and sewer and drain backup. If you have expensive items such as jewelry, you may also want to speak with one of our agents at Senn Insurance Agency about additional coverage to ensure your items are protected.
Shopping for Home Insurance
There are a few things you need to consider when it comes to shopping for home insurance in Missouri. For your belongings, there is a difference between actual cash value and replacement cost. Replacement cost is the amount that is needed to replace an item at today’s price. Actual cash value considers depreciation, so you will get less money. A home inventory can help you make sure you are getting enough coverage for your belongings. To make your home inventory more useful, record specific details such as serial numbers. Have videotape or photographs of your belongings and be sure to update it when you make large purchases. When getting insurance for your home, be sure you have enough coverage to rebuild your home and if it will be rebuilt the way it was before the damage occurred. Accidents can happen at any time, so you also want to make sure you have enough liability coverage to protect your assets.
Contact us at Senn Insurance Agency, serving O'Fallon, MO, to get a quote on home insurance.