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HOMEOWNER INSURANCE

from Clayton Hanley Insurance

We represent quality insurance carriers like these, so we'll provide you with multiple homeowner insurance rates to find the right policy for you.

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Don’t 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.

Answers to Questions We Hear Every Day

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.

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.

Ask us! We love finding every last discount possible to save you money on your insurance.

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 and we can go over the impact it has on your premiums and additional insurance-related aspects to consider.

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 and we'll provide recommendations and rates.

Your college student might still be covered by your home insurance policy if they are living in on-campus housing and are listed as dependents on your policy. This generally extends personal property and liability coverage to them while they are away at school.  Coverage limits might be lower for belongings kept at a secondary location like a dorm

However, if they are living off-campus, you might need to get a separate renters insurance policy for them.

If they take their car to another state for college, they are typically still covered by your auto insurance policy. Most auto insurance policies offer nationwide coverage, which means the policy extends to all states.

If you have a child currently attending college or headed off to their first year in the fall, let us know and we'll go over how your policy applies and what additional coverage you should consider.

Don't see your question? Call us or send an email!

HOMEOWNER INSURANCE
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 homeowner insurance rates in St. Louis. Contact us today to discuss your insurance needs.

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