Homeowner Insurance
With the freedom of owning a home comes the responsibility of protecting and keeping it safe. Homeowner insurance will protect your home in case of an unfortunate event resulting in financial loss.
What Does AIB Homeowners Insurance Cover?

Liability Insurance
If there is an accident of bodily injury or property damage caused in your house or by someone in your home, liability insurance can help pay for the related expenses.

Dwelling Coverage
Dwelling coverage provides compensation for damages to the physical home and its attached structures caused by a list of causes like fire, wind, hail, lightning, smoke, explosions, falling objects, theft, and vandalism.

Personal Belongings Coverage
In case your personal items are lost or damaged due to many of the same causes covered by dwelling insurance, personal belongings coverage will compensate for it.

Additional Living Expenses Coverage
If your home is rendered uninhabitable by a disaster and you are temporarily moving, additional living expenses coverage can help with the cost of food, temporary shelter, and more.
Your Homeowner Insurance Broker In St. Louis County
Not having home insurance, or not having the correct coverage levels and types of insurance, can result in significant out-of-pocket costs. These could include the cost of rebuilding or repairing the home after a fire or storm damage, or even replacing your possessions after a theft or vandalism of your residence or property.
As your home insurance broker in St. Louis County, we use a personalized approach to evaluating and assessing your home insurance needs. This allows you to select the coverage level that is right for your budget and for your coverage needs.
What Does Homeowners Insurance Cover?
Additional living expenses coverage provides you with funds should you need to live elsewhere during the repairs. This coverage can include accommodation, food, and temporary moving expenses.
Personal belonging coverage is designed to provide replacement value or repairs to your possessions if there is a covered event. This is important to consider as different riders can also protect jewelry, art, and even electronics.
Property liability protects the homeowner. In the event someone is hurt on your property, it will cover up to the specific limit in the event of a claim.
How Much Should Homeowners Insurance Cost?
Rather than using a general homeowners insurance buying guide, we recommend talking to one of our brokers at Associated Insurance Brokers for a customized quote on your residential property.

What is the Best Home Insurance?
Home insurance needs are different for everyone. Some families may need higher liability risks due to frequent guests or protective pets. Other homeowners may need added coverage for expensive items such as jewelry or art. The best home insurance for you is a policy that comprehensively protects you, your family, the home, and your belongings. Before searching for a home insurance policy, consider:
- The risk of lawsuits
- The value of your personal belongings
- The total replacement cost value of the home
How Much Home Insurance Coverage Do I Need?
Every home is different, and your insurance needs will vary. In general, you should cover enough home insurance to cover the total replacement cost value of your home. Speak with an insurance agent about insuring your home today.
What Home Insurance is Required by Law?
Although it may be a surprise, home insurance is not generally required by state or federal law. Instead, mortgage lenders will generally require you to carry enough home insurance to cover your mortgage.
Common Home Insurance Questions
How Does Home Insurance Work?
When you purchase a home insurance policy, you are purchasing coverage in case of an accident. If a disaster or accident occurs at your home, you can file a claim on your home insurance policy to receive compensation.
How Much Does Home Insurance Cost?
Home insurance premiums vary depending on your location, credit score, claims history, coverage limits, the value of the home, and other factors.
Common Home Insurance Questions
How Much Home Insurance Coverage Do I Need?
Every home is different, and your insurance needs will vary. In general, you should cover enough home insurance to cover the total replacement cost value of your home. Speak with an insurance agent about insuring your home today.
How Does Home Insurance Work?
When you purchase a home insurance policy, you are purchasing coverage in case of an accident. If a disaster or accident occurs at your home, you can file a claim on your home insurance policy to receive compensation.
How Much Does Home Insurance Cost?
Home insurance premiums vary depending on your location, credit score, claims history, coverage limits, the value of the home, and other factors.
What Home Insurance is Required by Law?
Although it may be a surprise, home insurance is not generally required by state or federal law. Instead, mortgage lenders will generally require you to carry enough home insurance to cover your mortgage.
Insurance with AIB
Here’s how you can be protected with our Insurance

Automobile Insurance
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Business & Commercial Insurance
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Homeowner Insurance
Secure your home and property from damage caused by natural disasters...

Health Insurance
Affordable Care Act, Accident Plans, Short Term Health and other plans to cover deductibles.

Life Insurance
Secure the financial future of your loved ones by investing in the right life insurance today.