Home Insurance

Wondering about what can be covered in a Missouri home insurance policy? Ryan Blankenship Insurance Brokerage knows it can be confusing to choose a policy and understand all the aspects of it. Here are some things you can have on a home policy:

• Liability coverage – This comes into play should someone sue you for an injury that happened on your property.
• Guest medical coverage - This will help pay someone’s medical bills if injured on your property.
• Dwelling Coverage – This will cover the home’s structure. Dwelling refers to the roof and the walls that make up your home.
• Personal Property Insurance coverage – This covers the things inside the dwelling, such as furniture and appliances.
• Structure coverage – This is coverage for things on the property that are not on or in your home. Examples can be a detached garage or a workshop.
• Living Expense coverage – If your home is damaged to the point where you can’t live in it, this will cover the increased expenses from that loss.

Minimum Home Coverage

In Missouri, there is no requirement for home insurance, but it is still a good idea and may be required if you have a home loan. You should ensure that the policy covers you entirely in case of loss; that is where a good insurance consultation comes in. Talking with an agent about your needs, budget, and coverage options should be first on your mind once you decide on a home.

Getting an online quote using the Ryan Blankenship Insurance Brokerage rating tool is fast and easy. If you’d like to talk more about it, we service Missouri residents and provide expert care. Give our office a call at 573-431-2222 to talk more.