Homeowners Insurance

Springfield MO, Branson MO, and beyond

Homeowners Insurance

It’s your home. You should protect it with the best homeowners insurance policy for you and your family. It’s important to understand what your policy does and does not cover and the difference between common policies such as an HO2 or an HO3. Home insurance typically includes coverage for your home, your belongings, your living expenses in an emergency, medical payments coverage and liability insurance.

The Resource Center is a home insurance company based in Springfield and Branson, MO. Our local insurance agents will walk you through these options, get you home insurance quotes, compare rates, and help you decide what combination is best for you for wherever you might call “home.”

Protecting you in three ways

Types of Home Insurance Coverage

  • Coverage For Your Home

    This part of your policy generally pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or covered peril listed in your policy. It generally does not pay for damage caused by a flood, earthquake or wear and tear. When comparing the costs of coverage for the structure of your home, make sure to buy enough to rebuild your home. It’s important to review this on an annual basis to make sure your home insurance coverage is sufficient.

  • Coverage For Your Personal Property

    Your furniture, clothes and other personal belongings are usually covered if they are stolen or destroyed by fire, hurricane or other covered peril. It will be important to conduct a home inventory to determine if your coverage is sufficient. This part of your policy may also include off-premises coverage, which means that your belongings are covered anywhere in the world. Every policy is different, so contact our local insurance professionals if you have any questions.

  • Coverage For Additional Living Expenses

    If your home is damaged because of a fire, storm or other covered peril and you can’t live in it, this coverage pays the costs of living someplace else while your home is repaired or you find another place to live. While your home is being rebuilt, hotel bills, restaurant meals and other living expenses are covered. Additional loss-of-use coverage differs from company to company and varies based on your unique needs.

Additional protection

Home Insurance Policies

Liability Protection

Homeowners liability insurance guards you against lawsuits for bodily injury or property damage that you or family members cause to someone else. Liability limits generally start at about $100,000, but many experts recommend up to $300,000 or more in coverage. Some people feel more comfortable with more coverage. We would recommend an umbrella or excess liability policy which provides broader coverage, including claims against you for libel and slander, as well as higher liability limits.

Medical Coverage

Medical payments insurance gives you coverage for another person’s medical costs in the case of an accident on your property. This would include an X-ray or ER co-pay. Coverage is usually $1,000 or $5,000. This is separate from liability protection.

Who we work with

Appointed Homeowners Insurance Companies

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