Pet Insurance in Missouri

Your pets aren’t just animals—they’re part of the family. And when something goes wrong, you shouldn’t have to choose between your wallet and their wellbeing. At Faubel Insurance, we help Missouri pet parents understand what pet insurance really covers, how it works, and why it can make a difference when your furry friend needs it most.

Why Choose Faubel Insurance for

Pet Insurance in Missouri

 Local & Independent

Vet costs in STL are rising; pet theft and injury risks make early enrollment smart.

Personalized Coverage

Accidents, Illness, Surgery, Diagnostics, Optional Preventive & Dental

Easy Claims & Support

We’re here when you need us, with responsive service.

Discounts & Savings

Ask about bundling home and auto insurance for extra savings.

What Does Pet Insurance Cover?

Pet insurance helps families manage the rising costs of veterinary care, making it easier to give pets the care they need without financial stress. It typically reimburses a portion of vet bills for illnesses, accidents, and sometimes routine care. From surgery to emergency visits, pet insurance reduces the burden of high medical costs. For dog and cat owners, it provides peace of mind during every stage of a pet’s life. It helps you say yes to treatments that improve outcomes and comfort. Policies often allow you to visit any licensed vet. Many plans offer flexible coverage for diagnostics, prescriptions, and even rehab. Pet insurance supports proactive care and quick action in emergencies. It helps families avoid tough financial decisions during medical crises. You can choose coverage that fits your pet’s breed, age, and health history. Some plans include preventive care for vaccinations and check-ups. It supports a healthy lifestyle and longer life for your pet. For pet parents, it’s a way to show love through preparation. When your furry friend needs help, you won’t be sidelined by cost. It brings emotional and financial relief during stressful times. Pet insurance can turn a scary diagnosis into a manageable challenge. It lets you focus on recovery instead of expense. For families, it ensures pets receive the care they deserve as full-fledged members of the household. Whether for playful pups or senior cats, it’s protection that helps you provide a lifetime of care.

  • 1. What types of home insurance coverage are essential for homeowners in Missouri?

    In Missouri, especially in areas like Kirkwood and the greater St. Louis metro, homeowners typically need a comprehensive HO-3 policy. This includes coverage for the dwelling itself, other structures (like garages or sheds), personal belongings, and liability protection. Because Missouri is prone to hailstorms, wind events, and occasional tornadoes, it's important to confirm that wind and hail damage are included—and not capped or excluded, as some policies attempt to do. Flooding is not covered under standard home insurance, so if you live near rivers, creeks, or in a low-lying area, adding a flood policy through the National Flood Insurance Program (NFIP) is worth considering. Lastly, check for replacement cost coverage on both structure and belongings—it ensures you’re not stuck with depreciated payouts.

  • 2. Is auto insurance in Missouri more expensive than in other states?

    Missouri sits near the national average when it comes to auto insurance rates, but areas like St. Louis County—including Kirkwood—can have slightly higher premiums due to traffic density and claim volume. That said, your rate depends on multiple factors: your driving history, type of vehicle, credit score, and even your ZIP code. Discounts are available for safe drivers, bundling with home insurance, or completing defensive driving courses. It’s also important to know that Missouri only requires liability coverage by law, but comprehensive and collision coverage are essential if you rely on your car or have a loan on your vehicle. As an independent agent, Kirk shops multiple carriers to find the best mix of price and protection tailored to you.

  • 3. Does my Missouri homeowners policy cover hail and tornado damage?

    In most cases, yes—but not always fully. Standard homeowners policies in Missouri typically include coverage for wind and hail, which are the primary culprits in local storm damage. However, it’s important to check the deductible structure. Some policies now apply a separate, higher “wind/hail deductible” as a percentage of your home’s insured value. In tornado-prone areas like ours, that could mean thousands out of pocket before coverage kicks in. Kirk makes sure you understand what’s covered and helps you avoid policies that surprise you when you need them most.

  • 4. What’s the difference between replacement cost and actual cash value in my policy?

    This is one of the most important distinctions in any personal insurance policy—and it’s one that many homeowners in St. Louis don’t realize until it’s too late. Replacement cost coverage pays you what it costs to replace or rebuild your property or belongings at today's prices. Actual cash value (ACV) factors in depreciation—meaning you’ll get far less for older items. For example, if your 10-year-old roof is damaged by hail and you have ACV coverage, your payout could be a fraction of what you’d need to replace it. Kirk always recommends replacement cost when possible and helps you compare options across carriers to make the smartest choice.

  • 5. Do I need separate coverage for my boat, ATV, or RV in Missouri?

    Yes—and it's highly recommended. In Missouri, recreational vehicles like boats, ATVs, and RVs are not fully covered by your homeowners or auto policies. These “toys” require separate policies that offer liability, collision, comprehensive, and theft protection. If you store your RV on your property, or take your boat out on Lake of the Ozarks or Creve Coeur Lake, you’ll want coverage tailored to how and where you use it. Kirk helps clients across Kirkwood and St. Louis find the right coverage based on their lifestyle—and ensures no gaps are left behind.

  • 6. How does bundling home and auto insurance help me in Missouri?

    Bundling your home and auto insurance with the same carrier often leads to multi-policy discounts, which can save you 15–30% annually, depending on the company. More importantly, bundling can also simplify claims and communication if you ever need to file multiple claims from a single event—like a storm that damages both your home and car. In Missouri, many top-rated insurers offer bundled packages with enhanced features (like one deductible across policies or roadside assistance). As an independent agent, Kirk finds the best-fit bundles that balance savings with strong service—not just the cheapest option on paper.

  • 7. What should I know about insurance deductibles in Missouri?

    Missouri policies may include either flat-rate or percentage-based deductibles, particularly for wind and hail damage. A flat-rate deductible is a set amount (like $1,000), while a percentage deductible is based on your home’s insured value. For example, a 2% deductible on a $300,000 home equals $6,000 out of pocket. In storm-prone areas of Missouri—including the St. Louis region—some insurers are shifting toward percentage deductibles to manage risk. Kirk carefully reviews these details with clients to help them understand their real exposure—not just their premium.

  • 8. Are there any insurance requirements when buying a home in Missouri?

    Yes—if you’re financing your home with a mortgage, your lender will require proof of homeowners insurance before closing. Most lenders require a policy that covers the full replacement value of the home (not just the loan amount) and includes liability protection. Some may also require flood insurance if the property is in a FEMA-designated flood zone. Kirk works closely with homebuyers and lenders across Kirkwood and St. Louis to get coverage in place quickly—and make sure there are no surprises on closing day.

  • 9. Does Missouri offer any special programs or insurance discounts?

    Yes—Missouri residents may be eligible for several state and carrier-based discounts. These include discounts for installing smoke detectors, security systems, or hail-resistant roofing. Many companies also offer savings for going paperless, paying annually, or having a student with good grades on your auto policy. Veterans, teachers, and first responders in the St. Louis area may also qualify for special affinity discounts. Kirk helps uncover every available opportunity to reduce your costs—without cutting corners on protection.

  • 10. How do I know if I’m underinsured in Missouri?

    Unfortunately, many homeowners don’t find out until they file a claim. Common signs of underinsurance in Missouri include: having an outdated replacement value on your home, not carrying enough liability coverage, or having gaps in coverage for wind, hail, flood, or personal valuables. In areas like Kirkwood where homes vary in age and construction, it's easy to be underinsured if your policy hasn’t been reviewed in a few years. Kirk offers free policy reviews to help clients understand their current coverage, identify risks, and correct any blind spots before they become costly.