If you’re like most folks, your home is your greatest financial asset and a major life achievement for you, too. Don’t let it go unprotected from damages due to storms, natural disasters, or fire. And don’t put your personal assets at risk without liability protection in the event someone has an accident on your property.
Homeowner insurance can cover the cost of repairing or replacing your dwelling in Dardenne Prairie, Missouri, so you don’t have to cover the cost out of pocket. It can also cover the cost of damages if someone were to win a legal judgment against you in a liability lawsuit after sustaining injuries in an accident on your premises.
We’re independent agents at Lang Insurance, and we have hundreds of homeowner insurance products available to us to give homeowners the peace of mind they desire. We would love to work with you to put together a homeowner policy that both protects your property and fits with your budget.
The first type of homeowner coverage most people think of is property damage. This covers the expense of repairing or rebuilding your home should it be damaged by fire, hail, vandalism, and many kinds of natural disasters. You may even already be required to have this coverage by your mortgage lender. Some homeowner policies also cover the expense of living elsewhere for a time if your home needs extensive repairs or reconstruction.
This type of coverage protects the personal property inside your home, like your furniture, appliances, clothing, electronics, and other belongings. We’ll work together with an inventory of your home’s contents to determine the amount of personal property coverage you need. You can also add more coverage for valuable jewelry, antiques, collectibles, or fine art.
One bonus of homeowner insurance is that it offers liability coverage should someone become injured while visiting your home, regardless of whether or not the accident could have been prevented. Looking for even more coverage? Think about adding a personal umbrella policy, a fantastic option if you worry about extra risk, such as from your dog biting someone.
Reach Out to Us for Homeowner Insurance
We hate to see your greatest asset go unprotected. Contact us online for a homeowner insurance policy quote or give us a ring at 636-229-7000. We’ll go over all the policy choices with you and help you find the right coverage for your unique needs. Rest easy knowing you have homeowner insurance protection from Lang Insurance.