Homeowners Insurance in St. Louis, MO

Homeowners insurance may help cover costs tied to damage, theft or liability claims related to your property. At The Meyer Group, we help St. Louis homeowners explore coverage options that reflect their property’s value and potential risks without overcomplicating the process.

Do I Need Homeowners Insurance? What Should I Prepare?

While homeowners insurance isn’t legally required, it is often mandatory if you carry a mortgage. Even without a lender requirement, it can help manage costs after events such as fires, storm damage or personal liability claims. A single incident can result in repair bills, legal fees or the need for temporary housing—expenses that a well-structured policy may help with.

Before purchasing, it’s helpful to gather the following information:

• Details about your home (year built, square footage, roof type, etc.)

• Current value of personal belongings in the home

• Security or safety features like alarms, sprinklers or smart devices

• Any recent renovations or upgrades

Your agent will use this information to help estimate replacement value and recommend coverage levels.

How Do Deductibles Work in a Homeowners Insurance Policy?

A deductible is the amount you agree to pay out of pocket before your insurance coverage takes effect on a claim. For example, if your deductible is $1,500 and your claim totals $6,000, your insurance provider may cover $4,500 after you pay the initial $1,500.

Higher deductibles typically result in lower premium costs, but they also mean paying more upfront if a claim occurs. Choosing the right deductible comes down to what you’re financially comfortable handling in a worst-case scenario.

Talk to a St. Louis-Based Agent Today

The Meyer Group works with homeowners across St. Louis to simplify the insurance process and help you find coverage that fits your property. Contact us today to request a quote or review your current policy.