Home Insurance, Tailored To You

If you're like many other families, your home is your biggest investment. And your home insurance policy is a customized tool built to protect that investment. When it comes to home insurance, there's no such thing as a one-size-fits-all solution.

As your family evolves, it's easy to forget about your home insurance. Many families purchase home insurance when they close on their home, and forget about it. If it's been more than a year since you last reviewed your policy, now is a good time for a coverage review.

Let's find the level of protection that's right for you, so you're not left holding the bill on expensive repairs due to policy exclusions or limitations. Start your coverage today with Insurance of Ellisville.

Protection from the Elements

Severe storms are a way of life in St Louis. Lightning strikes, severe winds and hail, and tornados during the spring and summer lead to power outages, roof damage, or worse. The weight of ice and snow from winter storms can damage the exterior of your house. Frigid cold weather and power outages can lead to freezing pipes and water damage inside your home.

Some home insurance policies exclude or reduce coverage for these events due to policy limitations or depreciated loss settlement. Don't get caught in the dark. Be prepared with the level of protection that's right for you.

We'll work with you to build a solution that fits your needs and your budget.

It's not just a house, it's your home

A total loss is devastating both financially and emotionally. Proper coverage selection can help to reduce the financial burder of rebuilding your home so you can move on to rebuilding your life.

Insurance to Value

Home insurance policies require you to maintain coverage close to your home's actual value, typically at least 80% insurance-to-value. As housing values rise, your insurance coverage may fall out of sync, leaving you with reduced coverage in the event of a total loss.

Cost to Rebuild

The cost to rebuild your home often differs from home market values or real estate appraisals, due to a number of factors: 1) Costs for many raw materials that are needed to make repairs or rebuild have increased in recent years, 2) building codes may have changed since your home was built, and 3) specialized workers are often needed to prevent further damage to your property in the event of a total loss.

Optional Coverages

Contents replacement cost coverage - Pays the replacement value on property damaged by a covered loss with no deduction for depreciation, subject to policy limits and your deductible.

Coverage for water backup - Provides coverage up to a specific dollar amount if water backs up through your sewer or drain, or if water overflows from your sump pump.

Personal Article Floaters - Standard home insurance policies limit coverage for certain expensive and portable items like jewelry, cameras, golf equipment, and more. Separate endorsements are available to cover these items to their full value.

What Our Customers Have To Say

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