Your home – it’s where you’ve put down roots, invested your hard-earned money, and shared the warmest and most cherished moments with those you hold close. For you, choosing insurance is about more than finding good coverage, it’s about protecting the epicenter of your life. You want commonsense insurance that delivers both value and assurance.
For homeowners here in the greater Poplar Bluff area, life can throw all kinds of curveballs. From major accidents to storm damage, understanding what a policy covers is important when purchasing insurance. For example, frigid weather strikes every year in Missouri, causing headaches for homeowners. Despite wrapping your pipes and weather-proofing your house, even the most careful preparation may not be enough to prevent a burst pipe. What would you do if you came home to floors flooded with water? Just two inches of standing water is enough to cost tens of thousands of dollars in damages. Would your homeowner’s insurance provide adequate protection?
Structural and Personal Property Insurance
Most homeowners policies combine several types of coverage into one package. We can help you find insurance that protects your home’s structure and all of the personal belongings inside of it. We provide coverage options from several of the state’s most reputable carriers, with policies that pay to repair or replace your property and its contents due to damages or losses stemming from a covered event. Our helpful agents can also explain replacement value and actual cash value insurance and help you choose between them.
Missouri home insurance generally includes a wide range of coverage, including protection for some of the most common types of claims, including:
- Wind, Storm and Hail Damage
- Fire and Smoke Damage
- Water Damage
- Theft and Vandalism
Accidental Liability Insurance
Accident liability insurance is coverage that helps protect you if you are sued. Personal injury lawsuits can happen to anyone. Whether someone slips and falls in your home or your dog bites a neighbor’s dog, a lawsuit could cost you thousands in medical bills and legal defense fees. Every homeowner needs liability insurance, including everyday blue-collar workers with modest incomes and assets. A judgment could lead to the liquidation of your assets as well as the garnishment of your future wages.
Affordable Missouri Home Insurance
In today’s world, everyone needs to stretch their dollar a little further. That is why we make it our goal to save you money on the coverage you need. We can show you ways of cutting your costs without slashing your coverage. Examples include:
- Raising your deductible
- Bundling home insurance with other types of coverage
- Discounts for installing a home security system
- Claims-free discounts
You would never leave the keys to your home with just anyone, so why leave your home insurance to chance? You deserve personalized service from an agent who understands you best. Ozark Legacy Insurance Partners has been serving customers in the Poplar Bluff area for several decades. We know what it takes to make our customers happy and are committed to working on your behalf to find the policy that fits your needs.
Let us do the shopping for you. Like we always say, if we can’t save you money, we’ll tell you right away – no hassle, guaranteed. Call us today for your free quote. We look forward to serving you soon.