homeowners insurance washington mo

Guin YoestYoestIns.com

(636) 239-1130

Home Owners InsuranceHome Owners Insurance

Did You Know Did You Know ……

1. Owning a home insurance policy protects not only your house but expands outside the home

2. Owning a home insurance policy protects your assets – current and future

3. What can happen that will be covered by your home insurance policy

4. There are differences in condo owner policies vs home owner policies

5. What can happen that WON’T be covered by your home insurance policy


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1. Coverage outside the 1. Coverage outside the home…home…

A. Other Structures (like shed or a detached garage you have on your property)

B. Your personal belongings: clothes, furniture, appliances, toys, cookware, pictures, etc…C. Loss of Use - If something happens to your house (a bad storm causes enough damage that you have to live elsewhere), the policy will pay the rent on ANOTHER house until you can move back into your home.


(636) 239-1130


2. Protects Your Assets – Current and 2. Protects Your Assets – Current and Future…Future…

A. The liability part of the policy protects you if someone is on your property and is injured due to some problem that you haven’t taken care of such as icy sidewalks in the winter

B. Protects you, if you accidentally injure someone of damage their property while participating in some activity such as hitting someone with a golf ball while playing golf or causing smoke damage in a hotel room you’re occupying.

C. pays medical bills, pays for time lost at work and pays to repair damage you may have caused. The liability part of the policy protects you if the injured party decides to sue you! The policy even pays for your lawyer!!


(636) 239-1130


3. What can happen that will be 3. What can happen that will be covered…covered…

Lots of things…such as fire, windstorm, hail, lightning, explosion, a vehicle hitting your house, pipes freezing and bursting, vandalism, burglary or robbery, and much more. A deductible will be applied to any property damage loss that occurs.


(636) 239-1130


4. Difference about a condo owner’s 4. Difference about a condo owner’s policy…policy… A condo policy is different in that it usually DOESN’T cover a house. The

condo building is normally covered by a master policy carried by the condominium association. Instead, the individual owner’s policy covers additional or upgraded items the owner of the condominium adds to the building.

For instance, it could be something simple like an upgraded lighting fixture. Will the condo owner remove these items should they decide to move so these items are now a permanent part of the condominium but the owner who installed them needs to provide coverage for them on their condo policy. Whatever the changes, the policy refers to them as either “Improvements and Betterments” or “Additions and Alterations” and they are covered with the same type of coverage as the building on the homeowner policy is covered.

The policy includes coverage for Other Structures, Personal Belongings (Contents) and Loss of Use, just like the home owner insurance policy.


(636) 239-1130


5. What can happen that WON’T be 5. What can happen that WON’T be covered…covered…

A. Your home policy has a list of things that are EXCLUDED from coverage and some of them you can actually buy special coverage for. a few things not covered that can be covered separately: flood, earthquake, losing a piece of jewelry…

B. A few things not covered that you won’t be able to insure separately: wear and tear to the property, damage you cause intentionally, damage caused when the house is left vacant for an extended period of time…


(636) 239-1130


Not Sure About Your Home Not Sure About Your Home Owners Policy ???Owners Policy ???

Find Out More TODAY…Find Out More TODAY…

www.YoestIns.com

(636) 239-1130(636) 239-1130

[email protected]@danyoestinsurance.com

ContactContact Guin TODAY… Guin TODAY…

Service is the Heart of Our Business


(636) 239-1130

Dan Yoest InsuranceDan Yoest Insurance

““Service is Service is the Heart the Heart

of Our of Our Business”Business”

“ Your office has provided us awesome service. We started with you with our auto insurance and were so pleased with our service that we added our home to our policy. Thanks for the friendly “hometown” feeling

and service! ”

Steph & Dave Pracht

Thank You So Much …Thank You So Much …


(636) 239-1130

homeowners insurance washington mo

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