Homeowner’s insurance is important in protecting your house against perils that may damage your beloved home. As an added bonus, it provides personal liability coverage. With this insurance, any buildings, contents, outbuildings, personal liability, and additional living expense will be covered in any unfortunate event that may happen.

Kasmann Insurance Agency makes it easy to find the best coverage possible by finding the insurance that fits your unique needs.

Here we cover:

Understanding Your Homeowner’s Policy Declaration Page

What To Do in Case of Loss

Cost Factors of Home Insurance in Columbia, MO

Finding the Right Policy for You

Understanding Your Homeowner’s Policy’s Declarations Page

A. Dwelling

The house, or dwelling, at the insured location.  This coverage amount is determined by completing a Replacement Cost Estimate.  Your homeowner’s policy is most likely a “Replacement Cost” policy.  You can learn more about standard loss settlement options here: Progressive Home Insurance

B. Other Structures

Any structures not attached to the insured dwelling (e.g. detached garages, storage sheds, pole barns, mailboxes, fences).

C. Personal Property

Personal belongings of the insured residents. Limits on losses to certain types of property are set forth in the homeowner’s policy.  If you have valuable jewelry, furs, fine arts, firearms, silverware, sports equipment, musical instruments, etc… contact your agent to inquire about an Inland Marine Schedule.

D. Additional Living Expense/Loss of Rents

Coverage for a temporary residence while the insured residence is uninhabitable due to an insured loss.

E. Liability

Provides home insurance coverage for any loss sustained to another person or their property where the insured is deemed negligent.

F. Medical Payments

For injuries sustained at the insured location by another party, where the insured had no fault or negligence.


This is a specified amount that the insured must pay before the insurance company will pay a claim. It is simply deducted from the amount of the loss when a check is issued.


What to do in Case of Loss

If any type of loss is sustained at your home, it is your duty to notify your insurance agent or company promptly.


Home Insurance Policy Coverage

What’s Typically Covered

Your home insurance policy provides protection “against risk of direct physical loss” to your property, provided it is not otherwise excluded in the homeowner’s policy form.

Examples of some perils insured against are:

  • Fire
  • Wind
  • Hail
  • Theft
  • Explosion
  • Smoke
  • Vandalism or Malicious Theft
  • Riot or Civil Commotion
  • Aircraft
  • Vehicles
  • Falling Objects
  • Water Damage (from Leaking Appliances)
  • Weight of Ice
  • Snow or Sleet
  • Certain Types of Collapse

What is Not Covered

Certain events are excluded from homeowner’s coverage under the home insurance policy form.  Your home insurance policy will not cover:

  • earthquake or earth movement
  • flood, surface water, water seepage
  • neglect
  • war
  • nuclear hazard

  • ordinance or law that is not covered elsewhere in the policy
  • intentional losses
  • wear, tear or deterioration
  • business ventures

Some excluded events can be covered with the purchase of additional endorsements or policies, contact your agent with any questions.

*For precise language regarding what is covered under your home insurance policy, please read your specific home insurance policy form. The information compiled here was taken from a sample HO3 Special Form policy from the Missouri Department of Insurance and can be located by clicking here.

Cost Factors of Home Insurance in Columbia, MO

Not all home insurance is exactly the same. Many factors determine the price of the homeowner’s insurance, including:

  • Age of Home
  • Construction Type
  • Age of Roof
  • Fire Protection Class
  • Loss History

The Right Home Insurance Policy For You

There are several policy forms that cover different perils. As an independent agency, Kasmann Insurance has the ability to compare multiple policies and choose the ones that work for your personal needs. Give Kasmann Insurance Agency a call to find the best homeowner’s insurance policy for you today!

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