The top-rated landlord insurance agent in Cape Girardeau, Missouri is Discount Insurance Group, rated 4.8 stars across 258 reviews. Other highly rated options include Goosehead Insurance - Nick Laiben, TIG Thomas Insurance Group, Coalter Insurance Group. This directory lists 19 landlord insurance agents serving Cape Girardeau.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Discount Insurance Group | 1009 N Kingshighway St | (573) 339-1100 |
| 2 | Goosehead Insurance - Nick Laiben | 338 Broadway St Ste 311 | (573) 334-9999 |
| 3 | TIG Thomas Insurance Group | 56 Doctors Park Dr | (573) 651-3652 |
| 4 | Coalter Insurance Group | 1001 Independence St | (573) 339-1222 |
| 5 | Shelter Insurance - Sarah Reilly | 339 Broadway St Suite 148 | (573) 803-3999 |
| 6 | Hoesli Insurance Agency | 338 Broadway St Suite 505 | (573) 290-7777 |
| 7 | Farmers Insurance - Douglas Spooler, ChFC® RICP® FSCP® | 75 Sheridan Dr | (573) 335-4343 |
| 8 | Landon Besand - Insurance Agent | 1917 William St | (573) 517-7734 |
| 9 | Farmers Insurance - Clarence Matthews | 1750 N Kingshighway St Suite B | (573) 334-8888 |
| 10 | Brightway Insurance, The Prima Agency | 1936 Broadway St B | (573) 335-5822 |
Discount Insurance Group serves property owners in the Cape Girardeau, MO metro area and specializes in landlord insurance coverage. The agency works with clients who own residential rental properties, helping them secure appropriate protection for their investments. Policies arranged through this provider typically address liability exposure and structural damages common to rental dwellings in southeast Missouri, including those from storms or tenant incidents. It handles tailored risk solutions specifically for single-family rental homes and multi‐unit apartment buildings.
Goosehead Insurance - Nick Laiben provides landlord insurance services to property owners in Cape Girardeau, MO. Coverage options include policies for rental dwellings and liability protection tailored to income-generating properties. The agency offers ongoing support through service plans that help clients manage policy adjustments and claims filing. It focuses on protecting a range of property types, including single-family homes, multi-unit apartments, retail spaces, and restaurants.
TIG Thomas Insurance Group in Cape Girardeau, MO helps homeowners, businesses, and property managers protect their rental investments. It provides landlord insurance policies that cover residential and commercial rental properties against common risks such as property damage and liability claims. Policyholders receive guidance on coverage options tailored to local rental market conditions. This agency also serves clients in the nearby Jackson community.
Coalter Insurance Group serves Cape Girardeau, Missouri, and the surrounding communities. It handles essential landlord insurance coverage for residential and commercial rental properties. The agency addresses risks like property damage, liability claims, and lost rental income for local property owners. Work involves assessing individual property needs and policy details. It typically approaches each client situation by first reviewing the specific rental structure and coverage gaps, then aligning policy terms with the owner’s actual exposure to local weather or tenant-related liabilities.
Shelter Insurance - Sarah Reilly in Cape Girardeau, MO, distinguishes between one-time landlord insurance policies for individual properties and recurring service options for multiple rental units. Coverage typically protects structures, liability, and loss of rental income from covered events. Landlords can select comprehensive protection tailored to their specific property needs. Service runs on a one-time, scheduled, or as-needed basis, depending on the policyholder's preference and portfolio complexity.
Hoesli Insurance Agency in Cape Girardeau, MO offers specialized landlord insurance services tailored to protect rental property investments. The agency handles a broad range of general insurance needs for local property owners, ensuring appropriate coverage for buildings and liability. With specific knowledge of regional risks, it helps landlords fill gaps that standard policies might miss. The agency is especially helpful following severe weather events, such as the tornadoes and hailstorms common in Missouri, by assisting with related claims and policy adjustments.
With seasonal storms on the rise in Cape Girardeau, property owners protecting rental investments turn to Farmers Insurance, represented by Douglas Spooler, ChFC® RICP® FSCP® in the landlord insurance category. This agent provides policies designed to cover multi-unit dwellings against weather damage, liability claims, and vacancy gaps specific to local rental markets. A thorough initial assessment of each property's age, roof condition, and tenant turnover risk begins every client relationship.
Landon Besand - Insurance Agent in Cape Girardeau, Missouri, provides landlord insurance policies that protect residential rental properties from common risks like fire, theft, and liability claims. The agency also offers specialized add-ons such as coverage for loss of rental income and vandalism. This support extends to commercial uses, including offices, warehouses, and food service operations, ensuring diverse real estate investments are covered.
Farmers Insurance - Clarence Matthews in Cape Girardeau, MO, provides residential landlord insurance to protect rental properties and their owners from common risks. Commercial coverage is also available for larger multifamily or mixed-use buildings. The agency serves investors throughout the Cape Girardeau area and surrounding communities, helping them secure appropriate policies for their income properties. Following a policy review or claim, the agent follows up with clients to ensure coverage remains suitable and offers repeat service between regular visits for any emerging questions.
What Does a a Landlord Insurance Agent in Cape Girardeau Cost?
Landlord insurance costs in Cape Girardeau Missouri generally range from 800 to 2000 dollars annually for a single-family rental property. Factors include the propertys age construction type and proximity to flood zones. Higher liability limits or coverage for multiple units increase premiums. This is general information and not insurance advice.
About landlord insurance agents in Cape Girardeau
Landlord insurance agents in Cape Girardeau Missouri help property owners protect rental investments against damage liability and lost income. Missouri law does not require landlord insurance but mortgage lenders often mandate it for financed properties. Local agents understand flood risks near the Mississippi River and can tailor policies for single-family homes or multi-unit buildings.
Frequently Asked Questions
What does landlord insurance cover in Cape Girardeau Missouri?
Landlord insurance typically covers property damage from fire wind or vandalism liability protection if a tenant is injured and loss of rental income if the unit becomes uninhabitable. Flood coverage is usually separate and recommended for properties near the Mississippi River.
Is landlord insurance required by law in Missouri?
Missouri state law does not require landlord insurance. However most mortgage lenders require a landlord policy for financed rental properties. Some property management companies in Cape Girardeau may also require proof of coverage.
How much does landlord insurance cost in Cape Girardeau Missouri?
Costs vary based on property value location and coverage limits. In Missouri landlord insurance typically ranges from 25 to 50 percent more than standard homeowners insurance. A typical policy for a single-family rental in Cape Girardeau might cost 800 to 1500 dollars per year.
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