Who Is Home Insurance For?
Home insurance is essential for any Missouri homeowner —whether you’ve just bought your first house, you're refinancing, or you’ve lived in your home for decades. If you want to protect your home, belongings, and financial future from unexpected events like fire, storms, or theft, a homeowners policy can provide peace of mind.
While coverage options can vary, most standard homeowners insurance policies include protection for
Your Home’s Structure: Protection if your house is damaged by covered perils like fire, hail, or wind. Personal Belongings: Covers personal property like furniture, clothing, and electronics (subject to policy limits).Liability Coverage: Helps if someone is injured on your property and you’re found legally responsible. Additional Living Expenses: Helps pay for temporary housing if your home is uninhabitable due to a covered claim.
We also offer optional add-ons like:
Jewelry & High-Value Item Riders, Flood Insurance (sold separately) and Earthquake Coverage.
It’s important to know that standard policies do not cover everything. Common exclusions include: Flood damage (available through a separate policy)Earthquake damage (optional endorsement may be available)Wear and tear or maintenance-related issues, Intentional damage, Certain high-value items without special endorsements. Every policy is different, and your exact coverage will depend on the type of policy you choose and underwriting approval.
HO-3 (Most Common) – Covers the structure of your home for all perils except those specifically excluded.
HO-5 – Broader protection with fewer exclusions, typically for newer or higher-value homes.
HO-4 (Renters Insurance) – For tenants who need to protect personal belongings.
HO-6 (Condo Insurance) – Designed specifically for condo owners, covering the interior and personal belongings.
HO-8 – Tailored for older homes with replacement cost challenges.
Not sure what you need? I’ll help you find the right policy for your situation.
Request a Quote Today
Call or Text Joe Kaufman at 636-431-4374
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Disclaimer: Kaufman Insurance LLC is a licensed insurance agency in the state of Missouri. Coverage is subject to policy terms and conditions. Information provided on this site does not constitute an offer of coverage.