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Homeowner Insurance

from Clayton Hanley Insurance

Homeowner Insurance

Dont Leave Your Largest Asset Unprotected

If you’re like most folks in St. Louis your home is your largest asset and you’ve worked hard to become a homeowner. You don’t want to let that asset go unprotected. If your home was seriously damaged by fire or a natural disaster, how would you afford to repair or rebuild it? A homeowner insurance policy is the answer.

With the right home insurance coverage, you don’t have to worry about using your personal savings or selling a business should the worst happen. Homeowner insurance from the independent agents at Clayton Hanleyh Insurance offers multiple benefits and gives you peace of mind that your home is protected from many types of damage or loss.

Property Damage Coverage

Homeowner insurance covers the cost of repairs to your home or even rebuilding if it is damaged by fire, storms, hail, natural disasters, or vandalism. This essential type of home insurance is probably already required by your mortgage lender.

Personal Property Protection

A homeowner policy also covers the belongings inside your home, which may be as valuable as your dwelling. This includes furniture and other decor, appliances, electronics, clothing, sporting gear, kids’ toys, and housewares.

Ask us about any particularly valuable property that may require special additional protection. We can add on scheduled coverage for jewelry, antiques, fine art, collectibles, firearms, furs, and precious metals.

Alternative Living Expenses

Also known as loss of use coverage, this part of your insurance policy reimburses the cost of having to live elsewhere if your home becomes uninhabitable. It may provide coverage for renting another home or living in a hotel for up to two years while your home is renovated or reconstructed.

Liability Coverage

You may not be aware of it, but your homeowner policy also gives you a certain amount of liability coverage. This protects you and your personal assets if someone is injured on your property and successfully sues you for damages. Otherwise, it’s sadly all too easy to lose everything following one slip and fall accident or dog bite.

You can add more liability coverage if you like with a personal umbrella policy. We often recommend this for people who have a lot of visitors, dog owners, and high net worth individuals.

Home Sharing Coverage

Do you rent all or a portion of your home as a short term rental?  Is your home listed on a home sharing site like Airbnb or Vrbo?  If so, we have a special policy just for you For homes rented 12 months a year, weekly or as needed. 

Reach Out for Homeowner Insurance

Give your greatest asset the protection it deserves. Call us at Clayton Hanley Insurance 314-487-2921 or reach out online for a homeowner insurance quote.

Not sure how much coverage you need? No worries. Take an inventory of your home and belongings and back it up with photos or videos from your mobile device. We’ll use that to help us determine an amount. You’ll love the peace of mind that the proper home coverage gives you.