If you own or are in the process of buying your own home, purchasing home owners insurance is essential. Home owners insurance protects you and the lender in the event your home is damaged. Damage can occur from an unexpected situation such as inclement weather, fire or vandalism. Without insurance you would have to pay to have these damages repaired or even worse to have the home rebuilt yourself. To get the best rates and coverage make sure you research all of your Home owners insurance St Louis MO.
Finding the Perfect Insurance Agency for Your Needs
When shopping around for an insurance agency, don’t just go with the cheapest rates. You also want to make sure that you are receiving great coverage in your policy. Call around and talk to the different agencies in St. Louis and evaluate their customer service. You want an agency that genuinely cares about you and will be there for you in a time of need. Ask them if they can provide you with a success portfolio or customer testimonials so that you can gauge how well they treat their customers. You can also research negative feedback on the internet of unhappy customers as well. Ask lots of questions concerning coverage and prices to make sure that your agent is experienced and knowledgeable in their field. If it sounds like they are having to research all of the information while you are on the phone or can’t answer your questions satisfactorily you may want to request to be transferred to a different agent or simply move on to a different company. Insurance is about how well they can help you in your time of need and how fast they can get repairs or money to you when you desperately need it. While they are there to make money, it shouldn’t feel like they are just trying to make a quick buck off of you.
A basic Home owners insurance St Louis MO will always consist of two types of coverage; property and liability. Property coverage includes your place of dwelling, personal property and belongings. If your house is damaged or decimated by a fire your insurance agency should cover the cost of repairing or rebuilding your house as well as replacing all of the damaged items that were inside the house and outside within the territory of the policy. Liability insurance covers if someone is injured on your property and you are found to be responsible in some way for the injury. For instance if the stairs are in disrepair and they collapse while a person is on them resulting in injury, your home owners insurance should help you cover the cost of their medical bills. The premium is the amount you pay every month for a predetermined amount of time until the policy is fulfilled. Typically the higher your premium the lower your deductible is and vice versa.
If you need home owners insurance in St Louis MO contact Associated Insurance Brokers to receive your free no obligation quote today.