HOMEOWNERS INSURANCE

Need Homeowner’s Insurance in Missouri?

Your home is likely one of the biggest investments you’ll ever make, so protecting it with the right insurance is crucial. At Stocker Insurance, we understand that every homeowner’s needs are different, which is why we offer a range of policies to fully protect your investment.

When shopping for home insurance, there are a few key factors to consider:

Home Insurance in Missouri

Most mortgage lenders will require proof of insurance, but the type of coverage you choose is entirely up to you. Home insurance policies generally fall into three main types:

• Actual Cash Value (ACV) Coverage
  ACV provides the most affordable option but also offers the least protection. This policy covers the cost of your home and belongings after depreciation is deducted. It may be challenging to replace lost items or repair your home to its previous condition without additional out-of-pocket expenses, as depreciation can significantly lower the payout.
• Replacement Cost Coverage
  This option is more comprehensive than ACV and doesn’t account for depreciation. With a Replacement Cost policy, your home and belongings are covered for their current value, allowing you to rebuild or replace them up to the original value, without deducting depreciation.
• Guaranteed Replacement Cost
  The most comprehensive and expensive option, this coverage ensures that even if rebuilding or repairing your home exceeds the policy limit, you will still be fully covered. It’s ideal for ensuring you’re never underinsured in the event of a total loss.

A standard homeowners insurance policy typically covers the structure of your home, your personal property, and personal liability in case someone is injured on your property. However, you may also want to consider additional coverage options, called riders or endorsements, to protect valuable items or cover specific risks. For example, a jewelry rider can increase the payout limits for high-value items, while water backup coverage can protect you from flooding damage that is usually excluded in a standard policy.

The best way to choose the right coverage for your home is to speak with one of our licensed agents. At Stocker Insurance, we can assess your unique needs, discuss your options, and provide quotes from top-rated insurance companies.

Get A Quote For Your Home Insurance Today

Our experienced team is here to help you compare multiple home insurance quotes to find the right coverage at the right price. As an independent insurance agency, we work with various leading providers to ensure you get the best policy tailored to your needs. Call us today at (417) 732-6916 or click the “Get A Quote” button to get started on your quote.

Compare Pricing & Coverage

• Multiple Insurance Companies Represented
• Licensed Professionals Ready to Assist
• Fast, Easy, and Customized Quotes

Start your quote now and secure the coverage your home deserves!