Multiple Company Options
Protection against price increases
Local service -
No call center
Homeowners Insurance
Protecting your home is about more than insuring a building—it’s about protecting the place where your family lives, grows, and creates memories. At Nothum Insurance, we help homeowners throughout Washington, Missouri, and the surrounding communities find the right homeowners insurance at the right price from multiple trusted insurance companies.
Whether you’re buying your first home, upgrading to your forever home, or reviewing your current policy, we’ll help you compare coverage options so you can feel confident you’re properly protected.
Homeowners Insurance Designed Around Your Home
Every home is different, which means every homeowners insurance policy should be too. We work with several top-rated insurance carriers to compare coverage, discounts, and pricing—helping you find the best value without sacrificing protection.
Instead of being limited to one company’s rates, we shop for you so you don’t have to.
What Does Homeowners Insurance Cover?
A standard homeowners insurance policy can help protect you financially from unexpected events such as:
Damage to your home from fire, wind, hail, lightning, and other covered perils
Detached structures like garages, sheds, and fences
Personal belongings including furniture, electronics, clothing, and appliances
Personal liability if someone is injured on your property
Medical payments for guests injured at your home
Additional living expenses if your home becomes temporarily uninhabitable after a covered loss
We’ll explain exactly what’s covered, identify any gaps, and recommend optional endorsements that fit your situation.
Additional Coverage Options
Many homeowners choose to enhance their policy with optional coverages such as:
Water backup coverage
Sewer backup protection
Scheduled jewelry and valuables
Home business coverage
Equipment breakdown coverage
Service line coverage
Identity theft protection
Increased dwelling replacement cost
Personal umbrella liability insurance
We’ll help you determine which coverages make sense for your home and budget.
Serving Washington, MO & Surrounding Communities
Nothum Insurance proudly serves homeowners throughout:
Washington, MO
Union, MO
St. Clair, MO
Pacific, MO
Hermann, MO
New Haven, MO
Warrenton, MO
Sullivan, MO
Franklin County
Warren County
Gasconade County
And communities throughout Eastern Missouri
Whether you’re purchasing a new home, refinancing, or simply looking to lower your insurance premiums, we’re here to help.