Home Insurance
FREE Consultations | 70 Years of Combined Experience | Same-Day Appointments
FREE Consultations70 Years of Combined ExperienceSame-Day Appointments
Protect Your Assets With Homeowner's Insurance
If you own a home with tangible assets, you need proper protection to cover your property and everything in it in the event of a problem. Homeowner's or renter's insurance can cover your personal property. A well-written policy can also pay to replace any items destroyed or stolen in your home.
Home insurance coverage can also protect you against lawsuits filed by anyone who is injured at your home. Trust the experienced insurance agents at Garner & Smith Insurance to help you choose the right homeowner's or renter's policy for your needs. Protect your assets and get peace of mind with our different coverage options.
About Named-Perils and All-Risk Policies
The cost of home insurance can vary depending on many factors, but the quality of coverage often depends upon how well the policy is written and the quality of the insurer. The policy can be written with named perils or it can be written on an all-risk basis.
A named-perils policy covers the specific losses which are cited in the insurance contract. An all-risk policy offers coverage for a broad spectrum of perils unless one is specifically excluded from the contract. In the event of a loss, if you have an all-risk policy, the burden of proof lies with the insurance carrier instead of the homeowner.
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Lebanon, MO 65536