Need a home insurance comparison in st. peters, mo?

As a homeowner in St. Peters, you likely understand the value of your property as your most cherished asset. In the event of damage or destruction to your home, it is imperative that you entrust your insurance claim to a company that comprehends the significance of the place you call home.

E3 Insurance Advisory Group is well-equipped to assist you in securing the best homeowners insurance policy that is tailored to your unique needs, providing you with an optimal balance of comprehensive coverage, exceptional service, and competitive pricing.

It is crucial to acknowledge that homeowners insurance is one of the most vital insurance policies that a homeowner in St. Peters, or indeed any other region of Missouri, could possess. It is worth noting, however, that not all homeowners insurance policies are created equal. Different insurance companies provide various levels of coverage, endorsements, and riders, and may impose differing terms and limitations. If you’re ready to start protecting your cherished investment, click the button below. Otherwise, keep reading for more valuable information!

Need a home insurance comparison in st. peters, mo?

Protect your cherished asset – your home – with E3 Insurance Advisory Group in St. Peters. We understand the significance of your property and offer tailored home insurance policies that provide comprehensive coverage, exceptional service, and peace of mind.

Don’t settle for traditional policies that may not be suitable for your home, rental properties or unoccupied homes. Remember, not all home insurance policies are created equal – choose E3 Insurance Advisory Group as the solution to your worries.

St. peters home insurance

Without the guidance of an independent agent such as ourselves, differentiating between two homeowners insurance policies can prove to be a challenging, if not an impossible task for homeowners in St. Peters.

Whether you are a homeowner or renter, insuring the abode you call home is paramount to safeguarding your financial stability in the event of a loss resulting from unforeseen occurrences such as fire, theft, vandalism, or other covered events. Additionally, it provides you with the assurance that in the event of someone suffering an injury on your property and winning a legal judgment against you, you will be covered.

Homeowners insurance policies vary in terms of the losses they cover, the types of coverage available, and the kind of dwelling you possess. Ultimately, you must select the policy that best aligns with your needs, whether it be a comprehensive policy that offers coverage for losses such as fire, hail, smoke, falling objects, vandalism, and theft of personal property, or a policy that provides coverage for specific losses only.

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Common home Insurance Coverages


This is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.

We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

Other Structures

This covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages.

Usually this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.

Personal Property

This covers all of your personal belongings like clothing, furniture, electronics, and appliances. 

Basically anything that would fall out of your house if you turned it upside down and shook out the contents.

Loss of Use

This covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

This includes cost of temporary housing such as a hotel, taking public transportation, additional food expenses, and more.

Medical Expenses

This 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.

It does not cover health care costs for you or other members of your household.

Family/Personal Liabiity

Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame.

Your personal liability coverage should be high enough to protect your assets if you are sued. In some cases, an Umbrella policy may be needed for extra coverage.

Scheduled Personal Property

There are some situations where you might want special coverage for valuables, or collectibles like jewelry, guns, collectibles, rugs, etc..

St. peters homeowners insurance

Differentiating between home insurance policies can be challenging without professional guidance. Let us help you protect your home and financial stability with tailored policies. Whether you’re a homeowner or renter, unforeseen events like fire, theft, and vandalism can have devastating consequences.

With our home insurance policies, you’re covered for losses and legal judgments resulting from injuries on your property. We offer comprehensive coverage for losses like fire, hail, and theft, as well as specific loss coverage. Choose the policy that aligns best with your needs with the help of our independent agents.

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How to Get Started With Your home insurance Quotes

Every home is unique, and therefore requires a carefully crafted home insurance policy.

If you’d like us to review your current policy and provide you with no obligation quotes, call our office or enter some basic information in the fields below to get started online. Either way, we make the process super simple!



1276 Jungermann Rd. STE B St. Peters, Missouri 63376




Hours of Operation

9AM - 4PM CST.