Get Top Coverage With Best Homeowners Insurance Missouri

Types of Coverage Available

1. **Dwelling Coverage**: This is the core component of any homeowners insurance policy, covering the structure of your home in the event of damage from covered perils like fire, wind, or hail. In Missouri, where tornadoes are a risk, ensuring adequate dwelling coverage is vital.

2. **Personal Property Coverage**: This covers your belongings inside the home, such as furniture, electronics, and clothing. It's important to conduct a home inventory to determine the value of your possessions to ensure you have enough coverage.

3. **Liability Protection**: Liability coverage protects you if someone is injured on your property and decides to sue. This is particularly important if you have a swimming pool or other features that might increase the risk of accidents.

4. **Additional Living Expenses (ALE)**: If your home becomes uninhabitable due to a covered event, ALE pays for temporary living costs, such as hotel bills and restaurant meals.