Protect the place your family calls home.
Homeowners Insurance
A homeowners policy protects your house, your belongings, and your finances when something goes wrong — from a kitchen fire to a visitor's injury. Most mortgage lenders require it, but even if you own your home outright, it's the safety net that keeps one bad day from becoming a financial disaster.
Part of our guide to personal insurance.
01 / What it covers
The parts of a home insurance policy.
Dwelling
Repairs or rebuilds your house and attached structures after a covered event like fire, wind, or hail.
Other structures
Detached garages, fences, and sheds elsewhere on your property.
Personal property
Your furniture, electronics, clothing, and belongings — even some items stolen while away from home.
Loss of use
Hotel bills and extra living costs if a covered loss makes your home unlivable.
Personal liability
Legal and medical costs if someone is injured on your property, or you accidentally damage someone else's property.
Medical payments
Smaller medical bills for a guest injured at your home, regardless of fault.
02 / In practice
Claims we help with.
- A grease fire damages your kitchen and smoke spreads through the house.
- A storm sends a tree through your roof.
- A break-in while you're away on vacation.
- A delivery driver slips on your icy steps and is injured.
Worth knowing
Good to know.
- Flood and earthquake are not covered by a standard policy — they need separate coverage. Ask us if you are in a risk area.
- Replacement cost coverage rebuilds at today’s prices; actual cash value pays the depreciated amount. We will help you choose.
- High-value items like jewelry, firearms, or fine art may need a scheduled endorsement for full protection.
Who it’s for
Anyone who owns a home — required by virtually every mortgage lender, and worth having even without one. BluePeak reviews homeowners coverage for Missouri households, from the Kansas City metro to the rest of the state.
Frequently asked questions
- What does a homeowners insurance policy in Missouri cover?
- Dwelling coverage is designed to repair or rebuild your house and attached structures after a covered event like fire, wind, or hail. Other structures addresses detached garages, fences, and sheds. Personal property responds for your furniture, electronics, and belongings. Loss of use can pay hotel bills if a covered loss makes your home unlivable, and personal liability addresses legal and medical costs if someone is injured on your property.
- What does homeowners insurance not cover?
- Flood and earthquake are not covered by a standard homeowners policy and need separate coverage, so ask us if you are in a risk area. High-value items like jewelry, firearms, or fine art may need a scheduled endorsement for full protection. It also matters whether your policy pays replacement cost, which rebuilds at current prices, or actual cash value, which pays the depreciated amount.
- Who needs homeowners insurance, and how does BluePeak review it?
- Anyone who owns a home. Virtually every mortgage lender requires it, and it is worth having even without a mortgage, because it is the safety net that keeps one bad day from becoming a financial disaster. BluePeak is an independent agency licensed in Missouri, and we review homeowners coverage for Missouri households, from the Kansas City metro to the rest of the state, including the choice between replacement cost and actual cash value.
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More personal coverage
Availability, eligibility, limits, exclusions, conditions and coverage terms vary by insurer, policy form, endorsement, jurisdiction and individual risk. This is general information, not insurance, legal or tax advice.