--- title: First-Time Home Buyers description: If you're a first time homebuyer, let Clayton Hanley Insurance find the best options for home owners insurance to fit your needs. Serving St. Louis & Southern Illinois. --- # Home Insurance for FIRST-TIME HOME BUYERS from Clayton Hanley Insurance We represent quality insurance carriers like these, so we'll provide you with multiple first-time home buyers rates to find the right policy for you. [Progressive — Travelers — Nationwide — Chubb — Hagerty — Liberty Mutual — The Hartford — Foremost — National General — Openly — Selective](/insurance-companies) ## Start Your Quote (A form appears here on the HTML version of this page.) ## First Time Homeowners Insurance in South County If you’re a first time homebuyer, then the complexities of homeownership can be pretty overwhelming. Thankfully, Clayton Hanley Insurance takes all the stress out of buying homeowners insurance, so you can be confident you’re getting the best coverage for a great rate. Clayton Hanley Insurance is an independent insurance agency, which means that we’re not tied to just one insurance provider. In fact, we partner with several of the top insurance companies in the country, allowing us to find competitive rates and exciting discounts that you may not be able to find on your own. A few things we can help you find discounts for include: - Installing a burglar alarm - Owning a newer home - Bundle with your car insurance, boat, umbrella, or ATV - Having few claims in the past - Claims Free Discount - New Construction - Home Builders Discounts - Refinance rates for closing - New Purchase credit - Much more! We can also tailor a policy that fits your specific needs, helping you insure the things you might not have even known that you needed coverage for. Nobody wants to be left holding the bill for damages not covered under an insufficient insurance policy. That’s why we take the time to get to know you personally, so that we can find you the right amount of coverage at a price you’ll love. ## Individualized Homeowners Insurance in St. Louis Everyone’s situation is unique, and we make sure to take the time to get to know you and your needs. We can offer services such as flexible billing and even coordinating with your mortgage company to make the whole process smoother. Our whole approach is focused on your needs, not the needs of the big insurance companies. Call us today and get the coverage you deserve! * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/homeowner-insurance/first-time-buyers/quote) ## Insurance Partners [Progressive — Travelers — Nationwide — Chubb — Hagerty — Liberty Mutual — The Hartford — Foremost — National General — Openly — Selective](/insurance-companies) ## 5-Star Ratings "Wouldn't trust anyone else" "Best insurance brokers in St. Louis" "10/10 recommend!" [Read More](/reviews-testimonials) ## Connect Online - [Facebook](https://www.facebook.com/claytonhanleyinsurance) - [X/Twitter](https://twitter.com/claytonhanley) - [LinkedIn](https://www.linkedin.com/company/clayton-hanley-insurance-service-inc-/) - [YouTube](https://www.youtube.com/channel/UCyYNrSTQbAXoeYvALzG5Uiw) - [Instagram](https://www.instagram.com/claytonhanleyins/) - [Yelp](https://www.yelp.com/biz/clayton-hanley-insurance-saint-louis) ## Answers to Questions We Hear Every Day How do I change my insurance agent (but keep my policy)? You can change your insurance agent without changing your insurance policy or carrier. You simply need to request a change of agent with your current insurance company. This can often be done with a phone call or by filling out a form provided by the insurer. It's a **straightforward process** and **does not affect your existing coverage terms or premiums**. Clayton Hanley Insurance can make this super easy. We'll even review your policy to ensure **you're getting every discount you qualify for**. Do insurance rates differ between insurance agents? Independent agents receive the rates for similar policies. Where you will find the difference is in the policy **coverage** and **discounts** being applied. The team at Clayton Hanley is **committed to finding every possible discount available** and informing you of coverage that you might not know are available. We feel it is important to **insure our customers like they are family** , not simply find the lowest rate to gain your business. How can I check to see if I'm getting all available discounts on my car/home insurance? [Ask us](/quotes)! We love finding every last discount possible to **save you money on your insurance**. Is my swimming pool covered by my home insurance policy? An in-ground swimming pool is **usually** **covered** by home insurance, but it's typically under the "other structures" portion of your policy. This coverage can protect against damages from events like storms or vandalism. However, limits and exclusions apply, and you might need additional liability coverage for accidents related to the pool. If you have an in-ground pool, are in the process of adding one, or considering purchasing a home with a pool,[let us know](/contact) and we can go over the impact it has on your premiums and additional insurance-related aspects to consider. What natural disasters are covered by my home insurance policy? A **typical** home insurance policy in Missouri usually covers damages from several natural disasters, including **windstorms** , **tornadoes** , **hail** , and **lightning**. However, it's important to note that most standard policies **do not cover flooding or earthquakes**. These types of coverage usually require additional policies or endorsements. If you're not sure what your policy covers, or what to add additional coverage, [let us know](/contact) and we'll provide recommendations and rates. **Don't see your question? [Call us or send an email](/contact)!** ## FIRST-TIME HOME BUYERS in St. Louis, Missouri Clayton Hanley Insurance is a local independent insurance agency serving individuals, families, and businesses in St. Louis, Missouri. Because we partner with quality insurance carriers, we're able to offer a range of **first-time home buyers rates in St. Louis.** Contact us today to discuss your insurance needs. [Call or Email](/contact) [Request Quote](/homeowner-insurance/first-time-buyers/quote) ```json {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"How do I change my insurance agent (but keep my policy)?","acceptedAnswer":{"@type":"Answer","text":"You can change your insurance agent without changing your insurance policy or carrier. You simply need to request a change of agent with your current insurance company. This can often be done with a phone call or by filling out a form provided by the insurer. It's a straightforward process and does not affect your existing coverage terms or premiums. — Clayton Hanley Insurance can make this super easy. We'll even review your policy to ensure you're getting every discount you qualify for."}},{"@type":"Question","name":"Do insurance rates differ between insurance agents?","acceptedAnswer":{"@type":"Answer","text":"Independent agents receive the rates for similar policies. 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