Buying your first home is an exciting time, representing years of hard work and a significant investment in your future. No matter what type of property you choose, the best way to protect your investment is with home insurance from Texas County Mutual Insurance. For over 100 years, this Licking-based insurance company has been providing Missouri homeowners with affordable insurance products ranging from mobile home insurance to farm insurance. When you work with Texas County Mutual Insurance, you can count on receiving knowledgeable service from an agent who will find the perfect coverage options for your new home.

One of the first things your agent will help you figure out is how much coverage you need. Home insurance coverage is based on the estimated cost of rebuilding your house, not its market value. Your home insurance will also include coverage for the items in your home, especially big-ticket items like furniture, electronics, jewelry, and artwork. Many people choose to add additional theft coverage to protect particularly valuable items; these types of items typically include jewelry, artwork, and certain collections.

You may also want to consider purchasing homeowner liability insurance for additional financial protection. This type of insurance provides coverage for bodily injury and property damage that a visitor or neighbor sustains in situations in which you or a household member may be found responsible. Your agent will be able to help you choose the amount and type of homeowner liability coverage that suits your family’s needs.

It is extremely important to remember that basic home insurance does not cover everything. If you are buying a property that has multiple buildings, such as a farm, you will most likely need to purchase additional insurance. Your home insurance will cover your house, but not necessarily a detached barn or workshop. Additionally, talk with your insurance agent about what types of natural disasters are covered under your chosen home insurance plan. Flood insurance is often required in areas that are considered high flood risk zones, and it will need to be purchased separately.

Visit Texas County Mutual Insurance online to learn more about choosing the appropriate insurance for your new property. Call (573) 674-3125 to get a quote for your coverage or to schedule an appointment with an experienced insurance agent.