Owning a home is a wonderful achievement, and your home is likely your largest asset. If your home were to be damaged by fire or a natural disaster, how would you fund repairs or replacement of your personal belongings? What if someone had an accident on your property and won a legal judgment against you?
Most people don’t have the financial resources to cover replacing their dwelling and its contents or to pay awards in liability suits. That’s why homeowner insurance is essential if you own your residence.
At Lang Insurance, we’re independent agents with hundreds of homeowner insurance products at our disposal to give St. Paul, Missouri residents the peace of mind they deserve. We can work with you to find a homeowner policy that meets your budget and protects your property at the same time.
Homeowner insurance can cover the cost of repairing or even replacing your dwelling if it is damaged by fire, hail, vandalism, or many types of natural disasters. In fact, most mortgage lenders require homeowners to have enough coverage to rebuild in the event the worst happens. Many homeowner policies can also reimburse you for the cost of living elsewhere temporarily, should your home become uninhabitable.
Your personal property inside your home is also protected by homeowner insurance, including furnishings, appliances, electronics, clothing, and sporting gear. The easiest way to determine how much personal property coverage you need is to take a photo or video inventory of your home’s interior and your belongings. For a reasonable extra charge, you can add special coverage for items like expensive jewelry, antiques, collectibles, and fine art.
You may not be aware that a homeowner policy also offers liability coverage if someone becomes injured on your property, whether or not it could have been prevented. We often recommend this for homeowners, even if it’s not mandated by their mortgage. You can add extra liability coverage with a personal umbrella policy, which is ideal for dog owners, for example.
Contact Us for Homeowner Insurance
Don’t let your biggest asset go unprotected. Call us at 636-229-7000 today or reach out online for a quote for a homeowner insurance policy. We’ll answer all your questions and help you find the right coverage for your unique needs. You can relax and know your investment is protected from those unexpected events life sometimes deals us.