Homeowner & Renters Insurance for Springfield, MO

Insuring wherever you call “home”

Fast Insurance Quotes for Missouri Homeowners & Renters

When it comes to choosing the best homeowners insurance or renters insurance plan, The Resource Center in Springfield will be there with you every step of the way.

We are not only contracted with many insurance carriers to make sure you are getting the best coverage at the best price, but we will personally help you save big on your home insurance or renters insurance policy.

Homeowners Insurance


Protecting your home with the best Missouri home insurance  policy for you and your family is crucial. Our local insurance agents will walk you through all of your home insurance options and help you decide. Click below to learn more details about finding the right Missouri homeowners insurance option.


Renters Insurance Details


If you are looking to rent a house or apartment, your landlord’s insurance will only cover the costs of repairing the building if there is a fire or covered peril on their policy.

Having your own property and liability coverage through renters insurance helps  financially protect yourself and your belongings. Renters insurance typically includes coverage for personal possessions, liability protection and additional living expenses.

Coverage For Personal Possessions

It’s important to have enough renters insurance to replace all of your personal possessions in the event of a burglary, fire or other covered peril. The easiest way to determine the value of all your personal possessions—including furniture, clothing, electronics, appliances, kitchen utensils and even linens—is to create a home inventory.

This inventory is a detailed list of all of your personal possessions along with their estimated value. An up-to-date home inventory will also make filing an insurance claim faster and easier. Make sure to store your inventory list off-site or digitally.

Liability Insurance

Renters insurance provides liability protection that covers you against lawsuits for bodily injury or property damage done by you, your family members and even your pets. This coverage pays for both the cost of defending you in court and court awards—up to the limit of your policy.

Most standard renters insurance coverage policies will generally provide at least $100,000 of liability coverage, but additional amounts are available. Our insurance professionals will help you decide whether the amount of liability coverage provided by your renters insurance policy is sufficient to protect your assets.

Additional Coverages

If your home is destroyed by a peril that your policy covers and you need to move elsewhere, renters insurance provides additional living expenses (ALE) coverage. ALE pays for hotel bills, temporary rentals, restaurant meals and other expenses you incur while your home is being repaired or rebuilt.

It is important to know how much coverage you have and what the limits are. Some companies provide coverage for a set amount of time, while others have a financial cap.

Landlord Insurance Details

Key at Property

Spend more time finding and serving quality renters and less time worrying about your rental or investment property insurance protection.

While renters insurance protects your tenants and their belongings, landlord insurance covers the cost of building repairs in the case of fire or other covered peril. Landlord insurance coverage typically includes property damage, liability, loss of income and other additional coverage options.

Property Damage

Property insurance protects your buildings and personal property (such as appliances and carpeting) against damage caused by fire, storms, theft, vandalism or tenants. Landlord policies will also cover the replacement cost of your entire property in case of a total loss.


Landlord liability insurance protects you against liability claims and lawsuits. If a tenant, visitor or trespasser is injured on your rental property, you may be liable for the costs of bodily injury claims.

These may include: medical bills, funeral expenses, legal fees and judgment or settlement costs. In other cases, you may be held responsible for another person’s property damage.

Loss of Income

This insurance policy pays “rental reimbursement” to prevent you from losing income if you are unable to collect rent. This protects you if your rental property becomes uninhabitable due to a covered loss, including fire or storm damage.

Optional Coverage

In addition, you can buy additional coverage for your landlord insurance policy. This may include rent guarantee insurance, employer liability insurance or earthquake insurance. Extended liability coverage is available to protect LLC’s, LLP’s or property management companies.

Key at Property

Condo Insurance Policies


Your bank will require insurance to protect its investment in your condo or co-op. You may, however, need more insurance to cover your personal items, liability or fees that may be charged to you regarding shared areas of the building, like the lobby.

You will likely need two policies–an individual one (such as an HO6 insurance policy) and a “master policy” provided by the condo/co-op board. The insurance professionals at The Resource Center can help you find the best condo insurance quote for your unique living situation.

Individual Insurance Policy

This provides coverage for your personal possessions, structural improvements to your apartment and additional living expenses if you are the victim of fire, theft or other covered peril listed in your policy. You can also get liability protection with an individual insurance policy.

Master Insurance Policy

This condo insurance policy will be provided by the condo/co-op board. This covers the common areas you share with others in your building like the roof, basement, elevator, boiler and walkways for both liability and physical damage.

Additional Coverages

The Resource Center can help you navigate through additional coverages that may be available to you. These additional coverages include unit assessment, water back-up, umbrella or “excess” liability coverage, flood or earthquake coverage, and floater or endorsement coverage.

Umbrella Insurance Details


Umbrella policies, also known as “excess liability” policies, provide broader coverage than most insurance policies. These policies allow for more liability coverage for your household. If someone gets hurt on your property or house, or if you’re in a car accident and the damages/injuries are over the coverage on your policy, umbrella policies can keep you covered. Excess liability coverage policies are typically an extra $10/month.


Find the right protection for your home 

Request an Insurance Quote

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