Home Insurance That Feels Like Home
(Minus the Drafty Windows and Squeaky Floors)
Whether you’re living in a farmhouse in Kentucky, a downtown loft in Missouri, or a classic Midwestern “starter home” with 3 kids, a dog, and 0 closet space—we help protect what’s probably your biggest investment: your home.
At Hoesli Insurance Agency, we don’t just insure buildings—we protect the life you’ve built inside them. And we do it with honest advice, solid coverage, and just the right amount of dad jokes.
What Does Home Insurance Actually Cover?
We’re glad you asked. While many folks think it’s just about repairing your house after a storm, the right policy can also cover:
- Your stuff (TVs, furniture, power tools, grandma’s gravy boat)
- Liability if someone trips on your sidewalk and suddenly “remembers” a neck injury
- Additional living expenses if you’re stuck in a hotel while your house is being repaired
- Damage from fire, hail, lightning, wind, theft, and even some water issues (we can explain what kind)
And if you own a rental property, vacation home, or even an Airbnb side hustle, we can cover that too.
Common Home Insurance Add-Ons (a.k.a. the Smart Stuff)
- Replacement Cost – So your payout isn’t based on garage-sale pricing
- Scheduled Personal Property – For the fancy stuff: jewelry, guns, collectibles, etc.
- Water Backup Coverage – Because no one wants to explain to guests why the basement smells like a swamp
- Equipment Breakdown – For things like HVAC, appliances, and your fridge full of frozen meat
What Impacts Your Home Insurance Rate?
- Location – Tornado alley? Hail zone? Rural zip code with a volunteer fire department? We factor it all in.
- Credit Score – Yes, insurers check it. No, we didn’t make the rules.
- Construction Type & Age – Brick? Frame? 1960s time capsule with original wiring?
- Claims History – Past damage or multiple claims may affect rates.
- Roof Condition – A newer roof = happier underwriters = better premiums.
We’ll walk you through all of this and show you how to get the best value for the right coverage—not just the cheapest policy that’ll leave you high and dry when you need it most.
Why Use Hoesli Insurance?
Because we’re not just checking boxes. We’re real people (with real houses and probably a few unfinished projects), and we treat our clients like we’d treat family—the kind we like.
We work with multiple top-rated carriers across Missouri, Illinois, Indiana, Kentucky, Tennessee, Arkansas, Iowa, and Michigan, which means we do the shopping so you don’t have to.
Ready for a Home Insurance Quote?
We make it easy—and painless. No confusing forms. No pressure. Just a simple process and helpful people.
Click here to get your home insurance quote
or call us if you’d rather talk it out with someone who actually cares (and probably also has a to-do list longer than the weekend).