Home Insurance

Your home is the center of your daily life, and likely your most valuable asset. An event can occur at any moment and threaten that investment. Fortune can help you find the homeowner’s insurance that best fits your needs, and provide the best combination of tailored coverage, solution-oriented service, and fair pricing to meet your individual needs.

Insurance for All Kinds of Homes

Fortune Insurance is here to help you find the right insurance coverage for your home.

Missouri and Illinois Residents – Insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other events. Fortune’s home insurance will also cover you in the event someone is injured while on your property.

Homeowner policies differ by which losses are covered, which coverage you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Your home insurance policy is most often made up of the specific options you choose. The cost of your policy depends on:

  • What you select. Our homeowner’s insurance options are priced individually. Your premium depends on what coverages you purchase.
  • How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
  • Where you set your limits.You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.

Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.

Protection for Your Home

Fortune’s property or dwelling coverage protects your home if it’s damaged or destroyed by an insured event such as a kitchen fire or windstorm.

Protection for You and Other People

Fortune’s personal liability coverage applies if someone is injured or your property is damaged and you are to blame. Your personal liability coverage should be high enough to protect your assets if you are sued. When we help you choose your liability coverage limits, Fortune’s team considers things like your income and the assets you own.

Medical Coverage

Fortune medical plans covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property.

Additional Living Expenses

If you can’t live in your home because of a covered loss, Fortune’s home insurance policy will pay additional living expenses—for up to 24 months—while damage is assessed and your home is repaired or rebuilt.

Protection for Your Belongings

Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Our personal property insurance helps replace these items if they are lost, stolen, or destroyed as a result of a covered loss.

Scheduled Personal Property Coverage

If you have special possessions such as jewelry, art, antiques, or collectibles you may want to talk to your Fortune agent about this additional coverage that provides broader protection for specific items.

If You Rent Your Home

Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings.

Missouri and Illinois Residents – Protect the Things that Matter to You

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video. Keep this list somewhere other than your home. Keep in mind that Fortune home insurance policies do not cover damages caused by poor or deferred maintenance on your part.

Every home is unique – contact us today to find out how to get the best price and value on homeowner’s insurance for you.

Personal Liability

In addition to making sure you have enough protection to cover possible damage to your own home and contents, you should also evaluate your exposure to other liability risks. These result from damage to the property of another, or injury to a person who is not a member of your household, for which you can be held responsible. Keep in mind that Missouri and Illinois can require certain minimum levels of coverage. Contact Fortune to find out how to get the best price and value on home insurance for your needs.

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