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MedInsure Group

14567 N Outer 40
Suite 300
Chesterfield, MO 63017

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Common Types of Damage Covered by Homeowner’s Insurance

Homeowner’s insurance is the best way to protect against several unpredictable sources of damage that can happen to your house and property. Some common causes of damage routinely affect homeowners, but these can be mitigated with proper coverage. 

Severe Weather

Things like snowstorms, tornadoes, high wind, and hail events happen regularly, and homeowner’s insurance will usually factor the particular weather risks in your area into the policy. Some locations will require a separate policy for flood insurance. After a severe weather event, most providers will send an adjuster to your house to assess the damage and decide on an amount to provide for repairs. 

Vandalism and Theft

The possibility of being a victim of a crime is an unfortunate reality of daily life. Thankfully, if someone maliciously damages your home or steals your property, homeowner’s insurance will provide coverage for repairs and replacements after a claim is submitted. 


Whether caused by a cooking accident, faulty wiring, or nearby natural conditions, fires represent a significant source of risk to homes. This is why homeowner’s insurance policies specifically protect against fire damage. The process to make a claim for fire damage is similar to severe weather, with an adjuster assessing the amount of damage.

For more information about homeowner’s insurance in the Chesterfield, MO area, please contact Medinsure Group. Staff members are ready to answer any questions or concerns you may have about your insurance needs, and they can design a policy for you that takes risks specific to the Chesterfield, MO area into consideration. The Medinsure Group has extensive experience with helping customers just like you. 

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