Home Insurance
Home Insurance

Your Home Is Important, Make Sure It’s Protected
Living in Union, Missouri, comes with its fair share of challenges, including weather-related risks such as tornadoes, thunderstorms, and heavy rains. These natural disasters can cause extensive damage to your home, resulting in costly repairs or even total loss. Homeowners insurance provides you with financial protection in case of such unforeseen events, helping you recover and rebuild without bearing the full financial burden.

Do I Need House Insurance if I Live in Missouri?
Weather-related risks are not the only concerns for homeowners in Union. Home burglaries and thefts can also pose a threat. Imagine coming home to find your valuables stolen or your home vandalized. Homeowners insurance can provide coverage for stolen or damaged property, helping you recover the value of your losses.
Liability protection is an essential aspect of homeowners insurance. Accidents can happen at any time, and if someone gets injured on your property, you may be held liable for their medical bills and other damages. Homeowners insurance can provide liability coverage to protect you from potential lawsuits and financial burdens.

Little-known facts about Homeowners Insurance in Washington, MO and Union, MO
There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:
- Most policies will not cover sewer backup, unless you purchase a special endorsement
- Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
- A standard homeowners policy typically does not include Flood Insurance
- A standard homeowners policy only covers jewelry, up to set limits if the loss resulted from one of the perils named on the policy
- Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
- IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.
Union homeowners may also face unique challenges such as damage caused by local wildlife, such as deer or other wildlife roaming into your property, or water damage from nearby rivers or lakes. Homeowners insurance can provide coverage for these types of situations as well, ensuring that you are adequately protected against potential damages.

Homeowners Insurance is Essential in Union, MO
It's important to note that homeowners insurance is typically required by mortgage lenders. If you have a mortgage on your home in Union, your lender may require you to carry a certain amount of insurance to protect their investment. Even if you own your home outright, having homeowners insurance is a responsible and wise decision to protect your investment.

Is Home Insurance Required for Missouri Residents?
Homeowners insurance is essential for homeowners in Missouri. It provides financial protection against weather-related risks, theft, liability, and other potential damages that could occur to your home and property. Having homeowners insurance ensures that you are financially protected in case of unexpected events. Don't leave your home and investment at risk - let Schroeder Insurance Group help you with your homeowners insurance today, and enjoy the benefits of having a safety net for your home.