Understanding the types of coverage on your home insurance policy can help you understand exactly what's protected. Most House & Home policies in Missouri include the following types of standard coverage:
- Dwelling (home structure)
This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
- Other structures
This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.
- Personal property
Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
- Liability protection
Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
- Guest medical protection
This type of coverage can help cover the cost of medical expenses for a person who's injured on your property.
- Additional protection
Standard Allstate homeowners policies include additional protection. One example of this is reimbursed living expenses coverage, which can help cover increased costs of living like hotel stays in the event your home is uninhabitable after a covered loss.
With a House & Home policy, you can choose from many types of optional coverage to help protect what matters most to you. Some coverage options available to you could include data recovery, identity theft restoration and protection for valuable items like camera equipment.
Now only Allstate offers these three unique features* together to help protect your rate from going up if you have a claim and reward you by saving you money when you don't. Features like:
- Claim RateGuard® - Helps protect your rate from going up just because you file a home claim.**
- Claim Free Rewards - Get a discount for starting out claim-free, plus money back for every year you don't have a claim.
- NEW! Deductible Rewards for Home - Get $100 off your home deductible when you sign up, plus an additional $100 off each year you don't have a claim - up to $500.***
Claim or not, Allstate House & Home Insurance can help protect you and save you money.
Talk to an agent to understand all the optional coverage available to you in
Kansas City,
Saint Louis and beyond.
In addition to dependable home insurance coverage, you'll have the support of an Allstate agent who understands the needs of homeowners in the Show Me State. Your Missouri home insurance agent can:
Find an agent for more information about Missouri home insurance.
There are many ways to save on home insurance in Missouri. You can choose from a range of discounts to help you lower your home insurance premium. Your agent can help you understand which Missouri home insurance discounts you qualify for.
Learn more about Allstate home insurance discounts.
