The top-rated landlord insurance agent in St Joseph, Missouri is Clear View Insurance Specialists, rated 4.9 stars across 105 reviews. Other highly rated options include Will Woods - State Farm Insurance Agent, AIS, Makison Insurance & Retirement. This directory lists 20 landlord insurance agents serving St Joseph.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Clear View Insurance Specialists | 3849 Frederick Ave | (816) 232-7400 |
| 2 | Will Woods - State Farm Insurance Agent | 2828 N Belt Hwy | (816) 364-5959 |
| 3 | AIS | 2903 S Belt Hwy | (816) 676-2886 |
| 4 | Makison Insurance & Retirement | 2411 N Woodbine Rd | (816) 209-6765 |
| 5 | Shelter Insurance - Dana Oerman | 6412 King Hill Ave | (816) 238-1450 |
| 6 | Zulima Lugo - Missouri Farm Bureau Insurance | 2233 N Belt Hwy Ste B | (816) 558-6171 |
| 7 | Larry Bowles - Missouri Farm Bureau Insurance | 2233 N Belt Hwy Ste C | (816) 558-6171 |
| 8 | John Joe Insurance Agency, Inc. | 2320 N Belt Hwy | (816) 273-0123 |
| 9 | Shelter Insurance - Lisa Findley | 203 N 36th St Ste C | (816) 232-5491 |
| 10 | Wagers Insurance Agency | 3603 Woodlawn Terrace | (816) 676-1000 |
Clear View Insurance Specialists serves homeowners, property managers, and residential landlords in St Joseph, MO, by offering landlord insurance policies tailored to rental properties. The agency helps clients protect their investments against common risks such as property damage, liability claims, and lost rental income. As a local provider, it understands the insurance needs unique to the region’s housing market. Clear View Insurance Specialists also extends its coverage options to landlords in nearby communities such as Savannah, Missouri.
Will Woods - State Farm Insurance Agent provides a comprehensive range of landlord insurance services tailored to property owners in St Joseph, MO. The agency offers personalized guidance on policies designed to protect rental investments from common liability and property damage risks. Service consultations focus on evaluating coverage options that suit different rental scenarios and budget considerations. The agency services a variety of property types, including single-family homes, small apartment buildings, retail spaces, and local restaurants.
AIS serves landlords and property owners in the St Joseph, Missouri area, offering specialized landlord insurance agent services. The agency assists local clients in obtaining policies that cover rental properties against common risks like fire, vandalism, and liability claims. It also helps property owners navigate the specific coverage needs required for residential and commercial rental units in this region. Among the services AIS handles are loss of rental income protection and general liability coverage tailored for area landlords.
Makison Insurance & Retirement serves St. Joseph, Missouri, and the surrounding communities, handling landlord insurance policies for rental property owners in the area. It focuses on protections for residential rental dwellings, helping landlords manage risks associated with their investment properties. Policies offered by the company typically address property damage, liability coverage, and loss of rental income scenarios. The company generally approaches each client’s needs by reviewing the specific property type and tenant situation to tailor coverage.
For landlord properties in St Joseph, MO, Shelter Insurance - Dana Oerman offers both one-time policy reviews and ongoing annual service options. Coverage typically includes protection for building structures, liability for tenant injuries, and loss of rental income. A full inspection of the property helps determine specific insurance needs. Routine contact allows for policy adjustments as rental terms change. Service for landlord insurance clients generally runs on an as-needed basis, with regular renewals scheduled automatically each term.
Zulima Lugo - Missouri Farm Bureau Insurance offers specialized landlord insurance services tailored to property owners in St Joseph, MO. The agency assists landlords by securing coverage for rental dwellings, liability protection, and loss of rental income. It generally works to evaluate individual property risks and customizes policies to meet landlord needs. During severe winter weather, the agency helps landlords understand policy provisions for burst pipes or ice dam damage, ensuring their rental investments remain protected through seasonal challenges.
As winter approaches the Missouri River valley, risks of frozen pipes and snow-damaged roofs increase for rental properties in St. Joseph. Larry Bowles, operating through Missouri Farm Bureau Insurance, provides specialized landlord insurance agent coverage tailored to these seasonal threats. He works directly with property owners to secure policies that protect both structures and liability exposure while addressing local weather and tenancy risks. An initial consultation typically includes reviewing the specific rental unit's construction, occupancy type, and current coverage to determine necessary protections.
John Joe Insurance Agency, Inc. provides residential landlord insurance in St Joseph, MO, covering policies for single-family rental properties and multi-unit dwellings. Commercial coverage is also available for larger apartment complexes and business-owned rental spaces throughout the local area. As a dedicated landlord insurance agent, the agency helps property owners manage risk on income-producing real estate. After an initial policy is placed, clients receive ongoing support for policy adjustments and questions. Follow-up service and repeat coverage handling ensure protection remains current between regular annual visits.
Shelter Insurance - Lisa Findley in St Joseph, MO, is known for securing landlord insurance policies that protect rental property owners. Its service range includes tailoring coverage to individual buildings and multiple-unit dwellings, helping mitigate risks from tenant damage to liability claims. Recognizing the specific concerns of local landlords, the agency structures policies to address common regional weather and maintenance exposures. A specialty service it can add on is loss of rental income protection, compensating owners when a property becomes uninhabitable due to a covered event.
Wagers Insurance Agency in St Joseph, MO focuses on property insurance for residential and commercial landlords. It offers specialized coverage for rental dwellings, including liability protection and loss of rental income policies. The agency assists property owners in managing risks associated with tenant-occupied buildings and maintenance liabilities. It provides insurance solutions for various commercial sectors such as offices, warehouses, and food service operations.
What Does a a Landlord Insurance Agent in St Joseph Cost?
The cost of landlord insurance in Missouri typically ranges from 15 to 30 percent more than standard homeowners insurance. For a single family rental in St Joseph you might pay between 800 and 1500 dollars per year depending on property value location and coverage limits. Multi unit properties and older homes may cost more. This is general information not insurance advice.
About landlord insurance agents in St Joseph
A landlord insurance agent in St Joseph Missouri helps property owners protect their rental investments. Missouri law does not require landlord insurance but most mortgage lenders do require it. Local agents understand the specific risks for rental properties in the St Joseph area including weather and liability concerns.
Frequently Asked Questions
What does landlord insurance cover in Missouri?
Landlord insurance in Missouri typically covers property damage loss of rental income and liability protection. It does not cover tenant personal belongings or intentional damage by tenants. Policies can be customized for single family homes or multi unit buildings.
Is landlord insurance required by law in Missouri?
Missouri state law does not require landlord insurance. However most mortgage lenders and property management companies require proof of coverage. It is strongly recommended to protect against lawsuits and property damage.
How do I choose a landlord insurance agent in St Joseph?
Look for an agent who specializes in rental property coverage and knows St Joseph market conditions. Ask about replacement cost coverage liability limits and loss of rent provisions. Compare quotes from multiple agents to find the right fit for your property.
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