Home Insurance

Your Missouri homeowners insurance is designed to protect your home and property from covered perils. You need protection and want to get the best coverage and rates possible. When you work with Freedom Insurance, you can compare insurance quotes from multiple companies online quickly. You do not have to waste time contacting individual providers to get the information you need.

Homeowners insurance should protect your home from fire and storm damage, including high winds, hail and lightning. A policy will also protect your belongings in the event of theft. If you have high-dollar items, fine jewelry or artwork, or collectibles, ask your agent if you should purchase additional coverage. Policies for property are often limited to 50% of the home’s insured value.

Additional protection in your policy will provide liability coverage and medical payments if a guest is injured in your home. You should also be covered for your living expenses in the event your home is unlivable due to a covered peril. Talk to your agent to determine if you have sufficient coverage for your personal needs. Take some additional time to discuss steps you can take to lower your premium cost. Many companies offer discounts for multiple policies and higher deductibles.

Renters should consider having an insurance policy to protect their personal property. The property owner’s policy does not cover tenant’s possessions. Renters’ policies are normally low in cost and offer valuable peace of mind. Missouri residents can use a free inventory checklist provided by the state that makes record keeping easy.

Freedom Insurance is an independent agency providing all types of coverage in the O'Fallon, St. Charles, St. Louis and St. Peters, Missouri areas. As a resident of Missouri, you should consider having flood insurance coverage for your home and personal property.