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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...

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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’...

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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...

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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,...

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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...

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Winter Safety Tips to Reduce Insurance Claims and Protect Your Assets

Every year, thousands of people in Missouri experience winter emergencies in their homes that cause damage, increased insurance claims, and even fatalities. Many of these emergencies are avoidable if you practice good...

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Questions to help set home replacement cost

When you’re buying homeowner insurance, how do you determine the replacement cost of your home? Many homeowners automatically base the replacement cost on the current market value. But that method could leave you with...

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Secondary, vacation homes may need extra TLC

With normal vacation travel disrupted because of pandemic concerns or restrictions, many people are choosing to get away to vacation or secondary homes. Because these homes may not have had inhabitants for quite some...

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Home’s value, replacement cost not interchangeable

When shopping for homeowner insurance, you may hear the terms “market value” and “replacement cost” multiple times. It’s important to have a grasp of the difference. They are not interchangeable. Market value is the...

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Do you have adequate homeowner insurance coverage?

When you think if purchasing insurance, you may feel the most important factor is how much money you can save. We are all inundated with ads pushing a money-saving mindset complete with cute animals, catchy phrases and...

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Personal umbrella policy protects you from large liability loss

Let’s celebrate one of the world’s most useful inventions, umbrellas! They come in many different types from a brolly to bumbershoot and a parapluie. But why stop there? While umbrellas help keep us dry from the rain, a...

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Ice dams a headache to be avoided

One winter headache a homeowner doesn’t need – and can take steps to avoid – is an ice dam on the roof. Ice dams can damage walls and ceilings and possibly trap moisture, which could lead to mold, mildew and respiratory...

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Help your home stand up to winter

You can take steps to ensure your home is well prepared for winter weather – and that your family doesn’t get any colder than they want to be. Consider these suggestions for your comfort and safety. INSPECT THE HEATING...

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Get your building in shape, then let it snow!

Snow can mean more than a temporary loss of electrical power or inaccessible roads. Unless you prepare for snow, excessive accumulation can also cause a building’s structure to fail or even collapse. The northeastern...

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Security systems: Take the proper steps to protect your home

Claims experience shows that theft losses can be prevented when a central station burglar alarm is installed and activated in your home. Improve your family’s security and reduce the potential of home intrusion by...

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Fighting fire: Benefits of a residential sprinkler system

It takes only minutes for a fire to escalate. Even with the responding fire department’s prompt arrival, a home could be destroyed. To help avoid this, have your home fitted with a residential sprinkler system. A...

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Making the most of the home walk-through

It’s easy to get caught up in excitement when you’re looking for a new home. Keep in mind, though, when a home is listed for sale, it is being presented as positively as possible. As a prospective buyer, you will want...

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Are you covered? Don’t be caught underinsured

Does your homeowner policy have sufficient coverage limits to help you recover fully after a loss and avoid incurring serious financial burdens? It’s a question many people don’t ask, and if they have a claim, it can...

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Supplies, communication key in tornado prep

While tornadoes can occur throughout the year, spring and early summer are peak months in most of the United States. Prepare to respond to a tornado by stocking your emergency kit, updating your family’s emergency...

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April showers, May flowers and spring home repairs

Spring weather brings hope for new beginnings and warmer temperatures. Plants, welcomed or not, start to burst out of their winter slumber. Sunshine fills the house, prompting us to spruce up indoors and outdoors. ...

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Prepare for high winds and tornadoes

High winds are a danger to people and property. Learning what to look for and how to properly prepare can save lives and minimize damage. WIND CHARACTERISTICS - Wind damage can come from wind alone or from severe...

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Planning key to successful home renovation

Home improvement projects seem to have no season. While many big outdoor projects happen in spring and summer, homeowners may find the best time to work on a renovation project is when contractors are available or...

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Winterize your pipes to protect your home

While even the best forecasters cannot guarantee what’s ahead this winter, now is the time to prepare yourself and your home for the coming season. In recent years, record low temperatures caused pipes to freeze in...

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Your Annual Home Checklist Guide

For many of us, our homes are the biggest financial investment we will make during our lifetime. That’s why it’s crucial to spend some time each year thoroughly checking your home for needed repairs, updates and safety....

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How Remodeling Your Home Can Affect Its Value

If you’re considering upgrading your home this spring or summer, be sure to let Lang Insurance know. There are lots of reason people want to update their home. Whether it’s to add value to your property or to give it an...

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How to Winterize Your Home This Season

With today being the first day of winter, we thought it would be a good time share with our readers some ways that they can protect their property. So far, we have been lucky and haven’t had to deal with harsh snow or...

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How risk transfer can help the homeowner

By Christopher Barger I recently had a new roof put on my house. Before construction work could begin, there was the job of negotiating the terms of the project. After I accepted the winning bid, the contractor sent...

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Construction a critical time for fire protection

By Cincinnati Life Building or remodeling a home or business is an exciting time, filled with many decisions. One consideration that’s easy to overlook is adequate fire protection. During construction or renovation,...

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Heavy Rain? Be on the Lookout for Heavy Damage

By Safeco Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life...

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