Homeowner Insurance

Your home is the center of your daily life and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Ozark Hills Insurance can help you find the home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.


Depending on where you live – a house, apartment, condominium or farm – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings.


Home Insurance
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.


Homeowner insurance policies differ by which losses are covered, which coverage you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism, and theft of personal property or whether it’s a policy that covers only specified losses.


Whether you’re a home or condo owner, a renter, or a landlord, we will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.


Your home insurance policy is most often made up of the specific options you choose. How much you'll pay for your policy depends on:


Options you select - Often homeowner insurance options are priced individually, so how much you'll pay for your policy depends on what coverage you buy.
How much you want to cover - Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
Where you set your limits - You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Worried you are not completely covered? Consider an umbrella insurance policy that extends your coverage.


The Right Coverage for your home


The amount you pay for your homeowner insurance depends on many factors. Think of your personal housing situation and the assets you want to protect.


Protection for Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.


Protection for you and other people in your home.
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.


Medical Coverage for your property.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.


Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed and your home is repaired or rebuilt.


Protection for Your Belongings
Your home is filled with furniture, clothes, electronics, and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen, or destroyed as a result of a covered loss.


Scheduled Personal Property Coverage
If you have special possessions such as jewelry, art, antiques or collectibles, you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.


If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings.


Protect the Things that Matter to You
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy does not cover damages caused by poor or deferred maintenance on your part.


Every home is unique. Talk to us today to find out how to get the best price and value on home insurance.



Office Locations: 
West Plains, MO
1701 Porter Wagoner Blvd, West Plains, MO 65775


Thayer, MO
208 Chestnut St, Thayer, MO 65791


Gainesville, MO
490 Third Street, Gainesville, MO 65655


Mountain Home, AR
405 AR-5, Mountain Home, AR 72653



Request Information