Florissant, Missouri
3327 N Hwy 67
Florissant, MO 63033
(314) 921-7900
The Zach Plackemeier State Farm Insurance Agency office opened in 2016 across from the new Wal-Mart on Hwy 67 to serve customers in Florissant and Saint Charles, MO as well as surrounding St. Louis County with all their Insurance and Financial Service needs. Zach was born and raised in Saint Charles, MO. He played division 1 basketball in college for Indiana-Purdue Fort Wayne. He enjoys being active in the community and is a member of the North County Chamber of Commerce. Zach is a State Farm Chairman Circle agent which represents the top 3% of agents across the nation. Zach and his team are here to help with Auto Insurance, Commercial Auto Insurance, Home Insurance, Renters Insurance, Life Insurance, and more. Contact them today to see how they can help you and your family.

4 Things Homeowners Need to Know When Buying Insurance April 22, 2019

Florissant, St. Louis, MO
4 Things Homeowners Need to Know When Buying Insurance, Florissant, Missouri

For many people, buying a house will probably be the biggest financial investment of their lives. Homeowners insurance provides long-term peace of mind by covering your house against the unexpected. If you’re a first-time homeowner, here’s what you need to know about purchasing coverage.

What to Know About Buying Homeowners Insurance

1. Different Coverage Types

Most standard policies are one of two types: HO-1 basic form and HO-broad form. Depending on the insurance provider, the basic version covers a host of damages from weather-related conditions such as hail, lightning, and storms. The coverage also typically includes scenarios involving theft, vandalism, and fire damage. With a broad form plan, personal property, water leaks from appliances, electrical damage, and plumbing accidents are also covered.

2. Home Lender Requirements

If you’re financing a home from a bank or other lender, you will likely be required to have homeowners insurance. Because the lender has an investment in the property until the mortgage loan is paid in full, they want to protect their financial interests. Even after you’ve made your last mortgage payment, it’s still advantageous to maintain coverage so your home stays protected.

3. Discounts Are Availablehomeowners insurance

To help keep premium payments down, most insurance providers offer homeowners a number of discounts. These include incentives for having safety and security devices such as smoke detectors, burglar alarms, and carbon monoxide detectors. Ask your carrier about which discounts you may be eligible for.

4. Know What’s Not Covered

Homeowners insurance does not cover damage stemming from natural floods or earthquakes. You will have to purchase separate policies for each of these perils. In the case of flood insurance, coverage may be required if you live in a designated flood zone. Learn what is or isn’t covered under your home insurance policy before a disaster strikes.


When first-time or veteran homeowners in St. Louis need reliable and affordable homeowners insurance, they turn to Zach Plackemeier – State Farm® Insurance Agent in Florissant, MO. Along with his professional team of agents, Zach specializes in providing customized coverage designed to fit clients’ unique needs. For a free insurance quote, visit the website or call (314) 921-7900.

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