Homeowners Insurance

Homeowners Insurance in Missouri and Arkansas

There are some pretty compelling benefits of obtaining homeowners insurance through a local agency like BCDD Insurance. First of all, Missouri insurers will vary a lot in their rates. And secondly, we can save you as much as 20% by bundling your plan with other types of insurance, such as life and auto. But the most important factor is having a trusted local professional walk you through the claims process if a problem does come up.

An All-Risk policy is the most common form of homeowners insurance. It costs the average Missourian between $45-75/month.This type of policy will take care of legal costs if you’re sued when a guest slips on your patio, and it will also take care of tornado damage and other natural disasters. These different scenarios represent liability and property damage, the two main risks that you face as a homeowner.

You do need to get a special rider for earthquake and flood coverage if you are in Missouri. We make that process simple for you. We also assess all the special risks you face based on where you live in the state.

If you live in a flood plain, for example, you will need to get coverage from the National Flood Insurance Program.

According to the Missouri Department of Insurance, insurers in this state have become increasingly more selective about whom they will cover. The state government has fought this trend by providing homeowners with the Missouri Property Insurance Placement Facility (FAIR), a last resort for those who can’t get regular coverage. FAIR covers fire, smoke, wind, lightning, hail, explosions, riots, aircraft and vehicle damage, volcanic eruptions, vandalism and malicious mischief. It doesn’t cover earthquakes, floods, theft, liability, or sewage backup.

The Missouri government has also made it illegal for insurers to deny coverage due to bad credit.

How Much Homeowners Insurance Do I Need?

Check out our blog post if you’d like to educate yourself on the major factors to look at when calculating how much coverage to get. You can also use our home inventory checklist to assess the value of your things, and how much coverage you need for contents.

Get a Missouri homeowners insurance quote now.

Homeowners Insurance in Arkansas

There’s no place like home. At BCDD Insurance, our goal is to help you protect your most treasured assets with a homeowners insurance plan that will protect you from costly damage due to extreme weather, unexpected events like fires and theft, and liability issues.

At a minimum, a general homeowners insurance plan in Arkansas covers your house and buildings on your property, valuables and contents of your house, visitors on your property and personal liability.

A more comprehensive homeowners insurance policy in Arkansas will cover losses from fire, hail, smoke, falling objects, vandalism and theft.

According to the National Weather Service, from 1981-2010, Arkansas averaged 33 tornadoes per year, an increase over a 26-year period in data from 1971-2000. This startling number demonstrates that tornadoes pose a great risk to homeowners in Arkansas. A standard homeowners policy will cover wind damage caused by tornadoes and severe weather.

We recommend flood coverage in Arkansas since flash floods pose hazards throughout the state.

Because of the bevy of risks related to natural disasters, homeowners insurance in Arkansas can seem daunting and expensive. Fortunately, we can bundle your homeowners insurance with car, motorcycle or other insurance to save you as much as 20%.

How Much Homeowners Insurance Do I Need?

Check out our blog post to find out the main factors that go into calculating how much coverage you need. Also use our home inventory checklist to assess the value of your things, and how much coverage you need for contents.

Get an Arkansas homeowners insurance quote now.

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BCDD Insurance & RE Agency has been servicing your insurance needs for years. We are built on the principles of providing superior customer service and quality insurance solutions for our customers. As an independent agent, we work with select insurance companies that have proven their performance over the years. We are dedicated to getting you the best insurance products and services available today to protect you, your family, and your business.

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