Protect Your Home, Your Vehicles, and the People You Love

Brawner Insurance helps families across Missouri, Kansas, Iowa, and Illinois find affordable personal insurance that covers what matters most.

Vehicle Coverage

Auto Insurance

Auto insurance is required by law in all four states we serve. But meeting the state minimum is not the same as being properly protected. A serious accident can result in medical bills, property damage, and legal costs that far exceed minimum liability limits. Brawner Insurance helps you find auto coverage that meets legal requirements while also protecting your personal assets.

• Liability coverage for bodily injury and property damage you cause to others
• Collision and comprehensive coverage for damage to your own vehicle
• Uninsured and underinsured motorist protection
• Multi-vehicle and multi-policy discounts

Home Protection

Homeowners Insurance

Your home is likely your family's largest investment. Homeowners insurance protects that investment against fire, storms, theft, vandalism, and liability claims. It is especially important to make sure your policy covers the full replacement cost of your home, not just the market value, since construction costs have risen significantly in recent years.

• Dwelling coverage for the structure of your home
• Personal property coverage for your belongings
• Liability protection if someone is injured on your property
• Additional living expenses if your home is uninhabitable after a covered loss

Extra Protection

Personal Umbrella Insurance

A personal umbrella policy provides an extra layer of liability protection above the limits of your home and auto insurance. If you are involved in a serious accident or lawsuit where damages exceed your underlying policy limits, an umbrella policy covers the difference. With $1 million in umbrella coverage typically costing a few hundred dollars per year, it is one of the most cost-effective ways to protect your family's savings.

• Additional liability coverage above your home and auto limits
• Protection against lawsuits, including defense costs
• Coverage that extends to activities like boating, travel, and volunteer work
• Affordable premiums relative to the amount of protection provided

Water Damage

Flood Insurance

Standard homeowners insurance does not cover flood damage. This is a critical gap for many Midwest homeowners, especially those living near rivers, creeks, or low-lying areas. Flooding is the most common natural disaster in the United States, and it does not take a major storm to cause significant water damage to your home and belongings.

• Building coverage for the structure of your home
• Contents coverage for your personal belongings
• Available through the NFIP and private carriers
• 30-day waiting period for new NFIP policies, so plan ahead

Insurance Insights & Education

Practical guidance to help you make confident insurance decisions.

Looking for guidance specific to your needs?

How much auto insurance do I need?

We generally recommend carrying higher limits than the legal minimum. If you cause an accident and the damages exceed your policy limits, you could be personally responsible for the difference. Carry enough liability coverage to protect your personal assets, including your home equity and savings.

Does homeowners insurance cover tornado damage?

Yes. Standard homeowners insurance covers wind damage, including tornadoes. However, some policies may have separate wind or hail deductibles that are higher than your standard deductible. Review your policy deductible structure so you know your out-of-pocket cost after a wind event.

Do I need flood insurance if I am not in a flood zone?

Flood damage can happen anywhere. Over 25% of flood insurance claims come from outside high-risk flood zones. If your home is near a river, creek, or low-lying area, flood insurance is worth considering. NFIP policies are available to any homeowner regardless of flood zone designation.

Can I save money by bundling my home and auto insurance?

Yes. Most insurance companies offer multi-policy discounts ranging from 10% to 25% depending on the carrier. Brawner Insurance can quote your home and auto together across multiple carriers to find the best bundle discount available.

What is the difference between actual cash value and replacement cost?

Actual cash value pays the depreciated value of your property. Replacement cost pays the full cost to replace the item with a new one of similar quality. We recommend replacement cost coverage for both your home and personal belongings whenever possible.

Do I need earthquake insurance in Missouri?

Missouri is home to the New Madrid Seismic Zone. Standard homeowners insurance does not cover earthquake damage. Earthquake insurance is relatively affordable in our area and provides protection that homeowners insurance does not.