Homeowners Insurance

Need a Homeowners Insurance comparison in St. Louis?

If you’re like most homeowners in St. Louis, your home is your most valuable asset, and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

Graves Insurance Group can help you find homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.

Note: if you are looking for homeowner’s insurance for a rental property or home that is un-occupied, you cannot use traditional homeowner’s insurance. You need a “Specialty Dwelling” policy which we can also help you with.

Regardless of whether you live in St. Louis or any other part of Missouri, homeowner’s insurance is one of the most important insurance policies you could ever own.

It’s important to understand that no two homeowner’s insurance policies are created equal. Different insurance companies offer different levels of coverage, different endorsements and riders, and have different conditions and limitations.

 

St. Louis Homeowners Insurance

If you’re not using an independent agent like us in St. Louis, it can be hard, if not impossible to tell the difference between two homeowners insurance policies.

Whether you rent or own your property, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or any other covered events. You will also be covered in the same event if someone is injured while on your property.

Homeowners insurance policies differ by which coverage you choose, which losses are covered, and the type of residency you own. Whether it’s a comprehensive policy or a policy that covers only specific losses, you can choose the best policy that fits your needs.

Common Homeowners Insurance Coverages

These are some common coverages you typically see on a policy:

Here are some common coverages you typically see on a policy:

Dwelling — This part of your policy covers the actual structure (main house). The cost to repair or replace your home can fluctuate based on the cost of materials, as well as supply and demand.

Other Structures — This part of your policy covers any structure on your property that is not permanently attached to your house. These structures consist of fencing, driveways, sidewalks, as well as detached sheds and garages. Usually, this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.

Personal Property — This part of your policy covers all of your personal belongings pertaining to clothing, furniture, electronics, and appliances. Basically, anything that would fall out of your house if you turned it upside down and shook out the contents.

Loss of Use — This policy covers your living expenses if your current home is uninhabitable, and you need somewhere to live temporarily.

Medical Expense —This part of your policy covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off your property. It does not cover health care costs for you or other members of your household.

Family/Personal Liability — This part of your policy covers you when someone is injured, or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider your annual income and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.

Scheduled Personal Property — This part of your policy covers you when you might want special coverage for valuable items: valuables, collectibles, jewelry, guns, rugs, etc.

How to get started with your homeowners quote

Every home is unique, and therefore requires a carefully crafted policy.

If you’d like us to review your current policy and provide you with no obligation quotes, call our office, or click over to our Quotes page to get the process started.

Either way, we make the process super simple!

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