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Personal Insurance
Your home is likely your most valuable asset. We'll help you protect it with coverage that fits your property, your belongings, and your budget.
Start a Free QuoteHomeowners insurance protects your home, personal belongings, and financial assets from covered losses like fire, theft, severe weather, and liability claims. A standard homeowners policy (HO-3) typically covers the dwelling structure, other structures on your property, personal property, loss of use, and personal liability.
As an independent agency in Columbia, MO, Insurance Plus compares coverage and rates across multiple carriers to find the right fit for your home. Whether you own a single-family residence, a newer construction, or an older home with unique features, we tailor coverage to your specific needs.
For additional protection beyond your homeowners policy, consider pairing it with flood insurance or an umbrella policy for extra liability coverage.
Missouri homeowners face unique risks — severe thunderstorms, tornadoes, hail, and even the occasional earthquake. A well-structured homeowners policy ensures your largest investment is protected against the unexpected.
Beyond weather-related damage, homeowners insurance also provides liability coverage if someone is injured on your property. It can cover medical expenses, legal fees, and damages if you're found responsible for an injury or property damage to others.
The dwelling coverage on your homeowners policy should reflect the full replacement cost of your home — not the market value or what you paid for it. Replacement cost is the amount it would take to rebuild your home from the ground up using similar materials and construction quality.
Many homeowners unknowingly carry inadequate dwelling limits. During your policy review, we'll evaluate your home's replacement cost to make sure you won't face a shortfall if you need to rebuild after a total loss.
We compare options across our carrier network so you get the best coverage at the best price.
A dedicated advisor who knows your family and your policies — not a call center.
We advocate for you during the claims process from start to finish.
Standalone flood protection for Missouri homeowners.
Learn MoreExtra liability coverage beyond your home policy limits.
Learn MoreProtection against earthquake damage excluded by homeowners policies.
Learn MoreProtect your pets and reduce unexpected vet costs.
Learn MoreHO-6 coverage for condo and townhome owners.
Learn MoreGet a personalized insurance review from our Columbia, MO team.
Brawner Insurance
