Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Insurance for Homeowners Across Missouri
It’s true that home is where the heart is. Home is a place you and your family can relax, play and grow.
The agents at Smart IFS are dedicated to providing you with a customized home insurance policy that suits you and your family’s needs. It’s never too late to insure your home. Call us at 314-915-2727 or fill out an online quote form to get started today.
Common Home Insurance Questions
The average cost of home insurance across the U.S. is around $1,228 a year. In Missouri, homeowners pay an average of $1,722 a year.
Home insurance is crucial to protect your home, family and belongings. Not only is home insurance required by most mortgage lenders, but it also helps you recover from accidents and natural disasters. Without it, you could be left paying for damages to your home out of pocket, which could amount to thousands or even millions of dollars.
Every home is different. Calculate the risk of liability and the replacement cost value of your home and belongings in order to decide how much insurance you need.
The three main sections of home insurance coverage are:
- Dwelling: Dwelling coverage provides compensation for loss of or damage to the physical home due to fire, wind, hail, lightning, explosions, smoke, theft and vandalism.
- Personal Belongings: Personal belongings coverage provides compensation for loss of or damage to your personal belongings by the same incidents covered under dwelling coverage.
- Liability: Liability insurance covers accidents of bodily injury and property damage that may occur on the insured property.
Although many insurance agencies exclude pit bulls, others cover your pets under liability insurance. Liability insurance can help if your pet causes any bodily injury or property damage to someone else.
You should insure your home before signing the lease on the home, or at the very least on the same day. It’s important to have coverage as quickly as possible.