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Commercial Property Insurance
Fire, wind, hail and theft can stop a business or wipe out rental income overnight. Property insurance protects the buildings, equipment and inventory you rely on, and the right coverage form and valuation determine how much you actually collect after a loss.
Nothum Insurance compares commercial property and landlord coverage from multiple carriers to protect your property at a competitive price. Insuring your own home? See our homeowners insurance page.
What Property Insurance Can Cover
A commercial property policy can protect:
• Buildings you own, including permanently installed fixtures
• Business personal property such as furniture, computers, machinery, inventory and supplies
• Tenant improvements you've made to a leased space
• Business income and extra expense if a covered loss shuts you down
• Equipment breakdown for HVAC, boilers, electrical and production equipment
• Outdoor property such as signs and fences
Landlord and Rental Property Insurance
Own a rental house, duplex or small apartment building? A dwelling fire or landlord policy covers the structure, loss of rental income, and liability for injuries on the property.
A standard homeowners policy usually doesn't cover a home you rent out, so it's important to have the right policy in place before a tenant moves in.
Replacement Cost vs. Actual Cash Value
Replacement cost pays to repair or replace property with new materials of like kind and quality. Actual cash value subtracts depreciation, which can leave a large gap on an older roof or building.
We'll explain the difference, review your property values, and make sure you meet any coinsurance requirement so a claim isn't reduced when you need it most.
Serving Washington, MO & Surrounding Communities
Nothum Insurance proudly serves property owners throughout:
• Washington, MO
• New Haven, MO
• Union, MO
• St. Clair, MO
• Pacific, MO
• Hermann, MO
• Warrenton, MO
• Sullivan, MO
• Franklin County, Warren County and Gasconade County
• And communities throughout Eastern Missouri
Whether you own a storefront, a warehouse or a few rental homes, we'll help make sure your property is insured for what it would really cost to rebuild.
Contact Nothum Insurance
565 Harold Meyer Drive, New Haven, MO 63068
Phone: (636) 283-2012
Email: spencer@nothuminsurance.com
Hours: Monday to Thursday 8am to 5pm, Friday 8am to 4pm, Saturday by appointment
Missouri Agency License #3004329020