New Homeowner Insurance
New homeowner insurance protects your investment from day one. We help first-time buyers and move-up buyers find the right coverage before closing day.
Buying a home is exciting. And stressful. Between inspections, appraisals, loan documents, and moving logistics, insurance is one more thing on your checklist. Let us take it off your plate.
We specialize in helping new homeowners understand their coverage needs, compare rates, and get insured before closing. No jargon. No confusion. Just the protection you need.
When Do You Need Home Insurance?
Your lender requires proof of insurance before closing. Most want to see it 2-3 weeks before your closing date. Waiting until the last minute creates unnecessary stress and limits your options.
We can usually get quotes within 24 hours and bind coverage the same day if needed. But earlier is better. It gives you time to compare options and ask questions.
What New Homeowners Need to Know
• Replacement cost matters more than market value - Your dwelling coverage should equal the cost to rebuild your home from scratch, not what you paid for it. Construction costs and real estate values are different things.
• Your deductible affects your premium significantly - A $1,000 deductible might cost $200 less per year than a $500 deductible. Consider what you can afford out of pocket.
• Flood and earthquake damage need separate policies - Standard homeowners insurance excludes both. If you're in a flood zone or earthquake-prone area, you need additional coverage.
• Your stuff is covered too - Personal property coverage protects your belongings. Make sure the limit is enough to replace everything you own.
• Liability protection covers injuries on your property - If a guest gets hurt and sues, your policy's liability coverage pays for legal defense and damages.
Common Mistakes First-Time Buyers Make
Underinsuring the home. Some buyers insure for the purchase price, not the rebuild cost. Big mistake. If your $300,000 home would cost $350,000 to rebuild after a total loss, you're underinsured by $50,000.
Skipping flood insurance. Standard policies don't cover flood damage. Even if you're not in a high-risk zone, flooding can happen anywhere. It's worth considering, especially in Missouri where storms can overwhelm drainage systems.
Forgetting valuables. Jewelry, art, collectibles, and expensive electronics often exceed standard policy limits. If you own items worth more than a few thousand dollars, you might need scheduled personal property coverage.
Accepting the first quote. Your lender might suggest an insurance company. Their suggestion isn't always the best rate. Shopping saves money.
How We Help New Homeowners
We explain what you need in plain English. No insurance jargon. No confusing policy language. Just clear answers to your questions.
We compare rates from multiple carriers so you see your options. We review your coverage limits to make sure they're adequate. We coordinate with your lender and title company to make sure everything's ready for closing.