Home insurance worth comparing

Send the basics, we'll do the shopping

Homeowners quotes take more detail than auto, so we don't make you fill out a 50-field form. Send the basics through the form below or call, and an agent works up quotes across our companies and calls you back with options explained in plain English. If we already insure your car, we'll price home and auto together and separately so you can see whether bundling actually saves.

What a homeowners policy covers

Dwelling (Coverage A). The house and attached structures. Insure it for what it costs to rebuild, not what it would sell for. How much dwelling coverage you need.

Other structures (Coverage B). Detached garages, sheds, fences.

Personal property (Coverage C). Furniture, clothing, electronics, tools. Ask for replacement cost rather than actual cash value.

Loss of use (Coverage D). Hotel and extra living costs if a covered loss makes the home unlivable.

Personal liability and medical payments. Injuries to guests and damage you accidentally cause to others.

The three terms that decide a storm claim

In southwest Missouri, wind and hail drive a large share of claims. Three details on your policy decide what you're paid:

1. How the roof is settled. Many policies pay depreciated value on older roofs. Actual cash value vs replacement cost.
2. Your wind and hail deductible. Often a percentage of your dwelling limit, not a flat amount. Try the hail deductible calculator.
3. Your dwelling limit, which sets that percentage and decides whether you can rebuild.

Two quotes can look similar on price and differ by thousands after a hail storm. We put these terms side by side.

Common gaps to close

• Water and sewer backup, excluded unless added. Why finished basements need it.
• Flood, which needs a separate policy with a waiting period.
• Earthquake, excluded from standard policies. Earthquake insurance in Missouri.
• Jewelry, firearms and collectibles above special limits.
• Liability above your limit. An umbrella adds a layer.

See the full list: what homeowners insurance doesn't cover.

Buying a home?

Call when you go under contract, not the week of closing. We send the binder and declarations page directly to your lender or title company. Your insurance timeline before closing.

Already insured? Get a checkup

Send your declarations page and we'll tell you how your roof is settled, what your deductibles mean in dollars, and where the gaps are, whether you switch or not. Home coverage checkup.

Home insurance by area

Home insurance in Joplin · Home insurance in Springfield · Lake homes and second homes around Branson and Table Rock