O'Fallon Homeowners Insurance

Your Complete Guide to O'Fallon, MO Homeowners Insurance

(And where to find a great deal on price and coverage.)

O'Fallon, Missouri is home to minor league baseball and ranked second in the state for job growth. This city is top in business, making it a great place to work and own a home.

If you live in this economically stable city of 87,597 residents, you may need homeowners insurance. To get the best rates and coverage in town, connect with an independent insurance agent

The Crime Rate in O'Fallon, MO and Your Home Insurance

Like most people, you will want to live in a safe place. The insurance companies also want to insure safe homes. The local crime rate has a lot to do with your premiums. Let's look at the burglaries per 100,000 homes:

  • National average: 376.00
  • Missouri average: 444.90
  • O'Fallon average: 60.80

O'Fallon, MO has a lot to offer, with low crime rates being one of them. When you have some of the lowest burglary rates per 100,000 households, that makes it a pretty safe place to live. Find out from your local independent insurance agent how your home premiums are impacted.

The Cost of Homeowners Insurance in O'Fallon, MO

Usually, cost is the first question asked when it comes to insurance. For your homeowners insurance, you want to make sure coverage and pricing are both the best. If you know what the national and state averages are, you can see where your premium falls.

Homeowners Insurance Premium in O'Fallon, MO:

  • National average: $2,305
  • Missouri average: $3,111

The price for O'Fallon home insurance may be higher or lower than the state average. Since coverage is individualized to each person, your rates could be quite different. A local independent agent has access to dozens of carriers and can compare pricing.

Risk Exposures in O'Fallon, MO

At any moment, a natural disaster could cause severe damage to your home. If a loss occurs, you'll want to make sure your homeowners insurance will respond. Let's look at the most common property exposures in O'Fallon, MO: 

#1 - Floods

#2 - Storms

#3 - Tornadoes

#4 - Winds

Flood Insurance in O'Fallon

Flood insurance is a separate policy from your homeowners policy. Most consumers don't know that flood damage is excluded from your primary home insurance. 

Your agent can provide quotes on your specific property's flood insurance. They have access to several flood insurance carriers so you can compare options. FEMA has reported over $25,000 in damage when your home floods just one inch. Get the protection your home needs today. 

Homeowners Liability Insurance in O'Fallon, MO

Your personal liability insurance is the primary coverage on your home policy. Many different claims could trigger a liability loss. Your policy's limit will apply when you or a household member are sued due to the following reasons:

  • A dog bites another party
  • An injury occurs on your property
  • A member of the house is slanderous
  • A tree falls and damages your neighbor's property

More claims could required liability coverage and should be discussed with your agent. Make sure your home has the protection it needs in case the worse happens. 

Umbrella Insurance for Your O'Fallon, MO Home

When you have a larger liability claim that maxes out your home policy limits, umbrella insurance is necessary. It will provide additional liability coverage for those claims that exhaust your underlying home or auto policies. 

Your umbrella insurance limits typically start at $1,000,000 in coverage and go up from there. If you're unsure what liability limit you should pick, your agent can go over these items with you:

  • What is the value of all your assets?
  • What risk exposure does your household have?
  • How many claims have you reported in the past?
  • Do you have teenagers that are active on social media?
  • Do you have youthful drivers?
  • Does your home have any other exposures that could cause a large claim?

Connect with your local independent insurance agent to make sure your coverage is accurate and sufficient.

Match with a Local Independent Agent in O'Fallon, MO

A good agent is hard to find if you're not sure where to look. A local independent insurance agent can help you obtain the best rates and coverage for your home.

To connect with an O'Fallon independent agent, go to TrustedChoice.com. They can match you with the right adviser for your insurance needs today.

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