Missouri is a beautiful state, with everything from gentle, rolling hills to caverns and caves. The cold winters and hot, humid summers make it a prime location for tornadoes. In fact, Missouri is situated in "Tornado Alley," which makes having tornado insurance a smart idea. The most recent tornado in the state was the 2011 Joplin tornado, which left one-third of the city of Joplin completely destroyed. This tornado also caused an estimated $1 billion to $3 billion in damage, killed 159 individuals and injured more than 1,000 people. Before you settle on an insurance plan to protect yourself and your family, make sure you get reliable quotes from a reputable insurance agent.
Making sure you have tornado insurance to cover your belongings and your home is one way to make sure that, in case a tornado damages your property, you will be able to replace your belongings. While a tornado can be devastating, knowing that you have adequate coverage will offer peace of mind and let you focus on staying safe.
It's important to note that tornadoes happen in Missouri every year. While many homeowners insurance policies don't specifically cover tornadoes, they do cover damage from high wind. It's imperative that you review your policy to be sure that you have adequate coverage amounts. Additionally, reviewing auto policies is a smart idea to ensure that your vehicle is covered.
When reviewing your policies, make sure to take notice some things:
Tornadoes come and go quickly. The devastation left in their wake can be overwhelming. Before a storm hits, it's important that you have everything you own covered with Missouri tornado insurance.
Your first step to getting coverage that's right for your home is to take a home inventory. This lists every room in the house, what's in it, and the value of those items. Be sure to take pictures or video of any high value items and write down their serial numbers.
When talking with your agent, see if your policy will cover your vehicle if an incident causes damage to it while in the garage. Some policies will cover this, and some will not.
Also, inquire about living expenses. Crashing on a friend's couch may be fine for a day or two, but rebuilding a house takes time; where will you stay, and who will pay for your living expenses during that time? It's a wise idea to have in mind a general amount that your family needs per month to survive.
While many people are mainly concerned with damage to their home during a tornado, the loss of a car, ATV or boat can be devastating as well.
While most comprehensive auto insurance policies will cover damage from a tornado due to wind damage coverage, state law does not require this type of insurance. Since only liability insurance is required, you will be paying out of pocket for tornado damage to your vehicle. Additionally, you will need a separate policy to cover your ATV or boat.
When disaster strikes, it's difficult to know what to do. Here are a few steps to take when a tornado has struck:
While your regular policies may cover tornadoes, they may not offer enough protection or coverage to satisfy your situation. A Trusted Choice® agent is always available to help you review current coverage, get insurance quotes and help you decide if additional coverage is right for you.