Home Insurance in Missouri

The best way to protect your home and your personal belongings is by obtaining homeowners insurance. Home insurance can be provided through us here at Swartz Premier Group Insurance in Columbia and Moberly, MO. Most events are unforeseen, and liability coverage alone will keep you protected if someone is injured on your property. There are other policies to take advantage of, and they are all highly recommended.

Home Insurance Requirements

Coverage for homeowner's insurance is not required in the state of Missouri. It is highly recommended because you will pay out of pocket if something happens to your home, which could put you in a financial bind. There are also some mortgage lenders that may require proof of insurance, and in that case, you must abide.

Coverage Options

Standard coverage for your home includes:

• Personal property- this will help keep your belongings protected if they were to get damaged. Your items can only be fixed or replaced via an insurance policy.
• Personal liability- this will protect you from claims against you in relation to property damage or bodily injury. Damages that you are responsible for can be covered under this policy.
• Dwelling coverage- will help protect your home and all structures attached, including walls, staircases, and all plumbing systems.
• Medical payments- if another person gets injured while on your property, this will cover their medical bills.
• Other structures- will help protect any other building that is not attached to your home but is on your property. If a tree were to fall on your garage during a storm, your home will be covered.

You can also take advantage of:

• Full replacement cost
• Water backup and sump pump overflow
• Loss of use coverage

Quotes

To obtain a quote, give us a call or visit our Swartz Premier Group Insurance office today. We are located in Columbia and Moberly, MO.