---
title: Insurance Blog | Lang Insurance
description: Read the Lang Insurance blog for local, interesting and up-to-date insurance news.
---

# INSURANCE BLOG

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[**Understanding How Your Earthquake Insurance and Deductible Work** — If you have earthquake insurance or are thinking of purchasing it, it’s essential to understand how this specialized insurance functions, including the deductible. Here’s what you need to know from the pros at Lang Insurance, independent agents serving the state of Missouri. — **Who Needs Earthquake…** — Oct 12, 2021](/blog/2021/understanding-earthquake-insurance-and-deductibles)

[**Don’t Let These Home and Auto Insurance Coverage Gaps Leave You Vulnerable** — Most insurance policyholders are confident their Missouri home and auto insurance will cover them no matter what. But they may not be aware they have gaps in their coverage that could leave them vulnerable to legal and financial risk. In today’s rapidly changing world, there are a couple of ways… — Sep 14, 2021](/blog/2021/home-auto-insurance-coverage-gaps)

[**Professional liability coverage options for dentists** — _The July-August 2020 edition of CDS Review, a publication of the Chicago Dental Society, features an article by Mike Terrell, national program director for Cincinnati’s dentist, veterinarian and optometrist programs. His article describes the differences between occurrence and claims-made insurance…_ — Aug 24, 2021](/blog/2021/business-insurance-liability-options-dentists)

[**Expert Tips to Help You Save Big on Home and Auto Insurance** — If you’re feeling like your home and auto insurance policies are costing more than they should, we have good news! There are loads of ways to save on your insurance when you know how. Here are seven pro tips to get you started. — **Consider Bundling Your Policies** — When you have multiple types of… — Aug 9, 2021](/blog/2021/tips-savings-home-auto-insurance)

[**Replacement Cost vs. Market Value: Which Is Best for Your Home Insurance?** — Are you confused about replacement cost versus market value when it comes to a home insurance policy? Not to worry — we explain what they mean and review the advantages and disadvantages of each, so you can choose the home insurance coverage that’s best for your needs. — **What Is Replacement Cost?** —… — Jul 13, 2021](/blog/2021/home-insurance-replacement-cost-market-value-difference)

[**Should You File a Homeowner Insurance Claim?** — If you’ve had damage to your Missouri home, you may be wondering if you should file an insurance claim. The answer isn’t a clear-cut “yes” or “no.” Read on to learn more about when it’s best to file a claim and when it’s better to take care of the problem on your own. — **When You Should Cover the…** — Jun 8, 2021](/blog/2021/homeowner-insurance-claim)

[**Water and Sewer Damage Protection May Qualify You for Insurance Discounts** — Water damage from sewer backups and burst pipes makes up a large portion of home insurance claims in Missouri every year. These claims are particularly costly to insurance companies and property owners because of the extent of damage. However, you can use loss mitigation strategies to reduce your… — May 11, 2021](/blog/2021/water-sewer-damage-protection)

[**Understand How Severe Weather Affects Your Home Insurance Rates** — Severe weather events are increasing in frequency across the country, especially in Midwestern states like Missouri. You or someone you know has probably experienced a major storm, flood, or fire recently. — Unfortunately, extreme weather may affect your home insurance rates. Here’s what you should… — Apr 13, 2021](/blog/2021/understand-how-severe-weather-affects-your-home-insurance-rates)

[**Here’s What You Need to Get a Quote on Home and Auto Insurance** — If you’ve been putting off getting home and auto insurance because you’re not sure what’s needed, we explain it all here for you. Read on to see our most frequently asked questions about preparing to get a quote. — **What does my insurance agent need to give me a home insurance quote?** — Our… — Mar 9, 2021](/blog/2021/here-s-what-you-need-to-get-a-quote-on-home-and-auto-insurance)

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