Your home is your biggest investment. Hill Agency & Associates makes sure your policy is built right, not just the minimum required by your lender.
Every policy is built around your situation. We review what you have, find the gaps, and make sure you’re protected before you need to file a claim.
Rebuilds or repairs your home's structure if it's damaged by covered events like fire, windstorm, hail, or vandalism.
Covers detached garages, fences, sheds, and other structures on your property.
Replaces your furniture, electronics, clothing, and belongings if they're stolen or destroyed by a covered loss.
Pays for hotel stays and living expenses if your home becomes uninhabitable while repairs are made.
Protects you if someone is injured on your property or you accidentally damage someone else's property.
Optional Endorsements — Add to Your Policy
Covers sudden mechanical or electrical breakdown of home systems and appliances, not just storm damage. A $500 deductible applies.
If part of your siding or roof is damaged, we replace it with matching materials so your home looks right.
Your deductible decreases every year you go claim-free, rewarding you for being a responsible homeowner.
Covers damage from hidden water leaks within your walls or floors that gradually cause damage over time. Some restrictions apply.
Covers cosmetic damage to metal roofing, siding, and gutters caused by hail when no functional damage has occurred.
A standard homeowners policy covers your dwelling structure, personal belongings, liability if someone is injured on your property, and additional living expenses if you're displaced after a covered loss. It does not cover floods or earthquakes, those require separate policies.
You need enough dwelling coverage to fully rebuild your home at current construction costs, not its market value. We review your property details and local rebuild costs to make sure you're not underinsured, which is one of the most common and costly mistakes homeowners make.
Your deductible is the amount you pay out-of-pocket before insurance kicks in. A higher deductible means a lower premium but more out-of-pocket at claim time. We help you find the right balance based on your financial situation.
Standard homeowners policies do not cover flood damage. Flood coverage is available separately through the National Flood Insurance Program (NFIP) or a private flood policy. If you're in a flood zone near St. Louis, we can walk you through your options.
Replacement cost pays to replace your damaged items with new ones. Actual cash value factors in depreciation, meaning you'd get less. AmFam's policy options let you choose the level that's right for you.
Most policies have gaps. We find them before a claim does. Get a free, no-obligation review from Hill Agency & Associates.
*This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance. Refer to your policy documents for coverage limit details. Coverage applies to covered losses only after your individual property & coverage specific deductible(s) has been met. Please speak with your agent to learn more about your coverage options. This article is for informational purposes only and includes information widely available through different sources.
**Equipment Breakdown coverage provides protection should appliances, home systems or smart home devices be damaged due to unexpected mechanical or electrical breakdown. Does not provide coverage for breakdown caused by normal wear and tear. Coverage applies once a $500 deductible has been met.
***Hidden Water Damage coverage is an optional coverage. May not be available in all states. Some restrictions apply to seasonal homes and manufactured homes. The leak must occur from within a plumbing, heating, A/C, fire sprinkler or a home appliance. Refer to your policy documents for coverage limit details. Coverage applies after the property deductible has been met. Mold damage limited to coverage limits provided by your homeowners policy.
†Sump pump and water backup coverage won’t cover things like flooding from a river rising nearby or rain leaking in through the foundation and causing damage. Talk to your insurance agent to best understand the limitations of this type of coverage and understand if it’s right for you. Coverage provided once policy deductible has been paid and only up to your policy limits. Refer to your policy for specific coverage details and exclusions.
‡Coverage provided by adding the Flash Flooding endorsement is optional. This endorsement does not satisfy mandatory flood insurance coverage should it be required by your federally regulated lender for your home mortgage or loan. This insurance product is not affiliated with the National Flood Insurance Program (NFIP).
