Home Insurance in Missouri

Mortgage lenders usually require homeowners to have insurance in case of a loss. It protects the bank‘s investment. While the State of Missouri doesn‘t force people to carry insurance, it‘s in every homeowner‘s best interest to have protection. The questions for many people comes down to - how much and what type? At the Luebbering Insurance, our professionals are committed to helping our clients select a policy that meets your needs. We‘ll work closely with you to avoid common misconceptions.

Are You Underinsured?

It isn‘t unusual for homeowners to match their policy to the price they paid for a home. But that may not be equal to the full replacement cost in the event of a total loss. If you think about the current housing market, new homes often sell at a higher price than older ones. That‘s because homes depreciate in some ways. The other reason is that current building costs are higher than they were decades ago. The average home replacement cost runs about $117 per square foot. That doesn‘t include demolition and the removal of debris after a disaster such as a fire. You may also want to consider any special design work or high-end materials used in your home. Replacing those may come at a premium.

Flood and Natural Disaster Insurance

With the mighty Missouri River running through Jefferson City, MO, it‘s important that homeowners carefully consider flood insurance. Heavy rains can expand bodies of water. Many people are unaware that most policies do not automatically cover flooding and several other natural disasters. At Luebbering Insurance, we‘ll take the time to consider what policy items will keep your home properly covered.

Creating a new homeowners policy or upgrading an existing one can be complicated. There are a tremendous number of decisions that require careful consideration. At Luebbering Insurance, we take pride in providing our community with professional and comprehensive homeowner‘s service. At the end of the day, it‘s important that you have a policy that meets your individual needs and gives you financial security.