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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.

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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!

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.

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

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.

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