Because the Home is Where the Heart Is

Insurance is one of the most common ways people protect the things they value. For many in Eureka, MO, that means home insurance because, like most of us, the home is where the heart is. That doesn’t mean, however, than any home insurance policy is the right policy for you. At Focus Insurance, the goal is to do more than offer you home insurance but home insurance that fits.

The Right Insurance Policy

Everything changes and that includes your home. From the size to improvements and upgrades and even location, the right insurance partner is the one that will change with you. One article that discussed the increasing home appreciation value in places like Eureka, MO said this:

"Buyers want to know that the property they are buying is well worth what they are going to pay for it. Fortunately, for those living in or relocating to Missouri the options are plentiful."

While the appreciation of your home is one change, countless others will also contribute to determining what the best policy is for you. That means coverage that meets your needs and protects what you care about because the best plan is the one that fits your home and your life.

Because It’s Home

It may be your first home or your fifth, it is yours, and it is the place you call home. We know all the practical and responsible reasons for protecting our investment, but this is about more than money – this is where the heart is. 

If you need to update your policy, want to compare plans, or if you would just like to know more about our home insurance options, contact us today to schedule an appointment. Home is where the heart is – and we can never be too careful with our heart.

Standard home owners insurance: What is covered!

Focus Insurance’s homeowners’ insurance policies commonly come with certain essential types of coverage against losses brought about by theft, accidents, and disasters, but often at times, they can be customized to meet an individual homeowner’s unique needs. A standard policy, however, does not cover any damage caused by earthquakes, flooding, or regular wear and tear.

Standard homeowners insurance typically covers four critical types of hazards which include:

1. Coverage for the structure of your dwelling

In most cases, it is made up of coverage that may help pay to repair or replace your home and belongings damaged or destroyed by fire, accidents, theft or any other disasters listed in your policy. Most policies may also cover costs of accidental damage to another person’s property or detached structures such as a garage. It is important to purchase enough coverage to rebuild your home when purchasing a policy for your home structure.

2. Coverage for personal belongings

Homeowners insurance also offers personal property protection. These include your furniture and other personal items in case of theft or destruction by any other insured disasters. In order to determine how much of this coverage will be enough, it is important to conduct a home inventory. For expensive items like jewelry, consider purchasing a special personal property endorsement in order to insure their full value or it’s officially appraised value.

3. Liability protection

If someone is not living with you or lawsuits for bodily injury or property damage that your family members cause to other people are filed against you, then a typical homeowners insurance policy will provide liability coverage for you. You can deliberate purchasing an excess or an umbrella liability policy for extensive coverage and higher liability restrictions.

4. Additional living expense

This coverage pays for the additional cost of living away from your home in case you cannot stay there due to damages caused by one of the insured disasters. In most cases, it has limits, both time limits and cost limits.

If you are a homeowner in Missouri looking for insurance coverage for your home, then look no further. At Focus Insurance in Eureka, MO, our insurance agents will create a suitable policy to fit the unique needs of your home. Visit or call our offices in Eureka, MO to get a quote.