Missouri Homeowners Insurance: Protecting Your Home from Water

Water can wreak havoc on your home. One of the major causes of damage to homes in the United States is damage caused by water. This damage can come in many different forms and can cause anywhere from minor to severe damage, therefore, it is a critical component of your policy.

Because of the high probability of having to face some sort of water damage to your home, it is advised that you understand just what sort of protection you need from your policy. You want to make sure you are not left with having to pay for this damage out of your own pocket.



The first thing you probably think of when you hear about protecting your home from water is flood damage. Flooding can do the most damage to a home and can render it completely unlivable. You may think that your traditional insurance will cover damage done to your home because of flooding, but this is not true.

If you are in a flood prone area, you will need to purchase a separate flood insurance policy. These policies are now under the guide of FEMA, a federal agency, through the National Flood Insurance Program.

You can purchase this flood insurance policy through an insurance company, but they are simply the middle man. It will be a separate policy, with its own premiums, deductibles, limits and other policy parameters.


Other Sources of Water Damage

Flooding is not the only way you can suffer water damage to your home. There is a long list of things that can cause water damage to your home and many of them are actually more common than flooding.

Here are some of the most common reasons for water damage other than flooding.


  • Burst water pipe
  • Ceiling leakage
  • Sewage system backup into home
  • Storm damage to roof
  • Upper level leak causes lower level water damage


Any of these issues can contribute to major damages to your home. You absolutely must have a policy that will offer you protection from all of these possible issues and more. These types of water damage should be a part of your standard policy or as riders on top of your standard policy to ensure that you are properly protected.


Top-Down Coverage

A standard policy will offer protection for what is known as top-down damage. This includes many of the issues of water damage mentioned above with the exception of flooding and probably an upper level leak. Flooding, as stated earlier, requires a separate policy and an upper level leak is generally regarded as a maintenance issue that should have been noticed and repaired before the damage became severe.

When you are searching for a policy, make sure you understand exactly what type of water damage is covered, including exactly what is meant by the particular insurance provider when they refer to top-down coverage.


Insurance Quotes for the Best Price on the Right Policy

You want the most protection you can afford from your Missouri homeowners insurance policy. You may feel limited by your budget, but you may simply be limiting yourself. If you take the time to shop around and get many different rate quotes, you may find that you can afford much more protection than you ever thought possible.

Take a few minutes and fill out an online application form from a website that offers multiple rate quotes from reputable insurance companies. Once you have submitted the form, you will instantly have at your fingertips several quotes that you can use to save money on your Missouri homeowners insurance.



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