Whether your home is your primary residence or vacation home; worth $100,000 or millions, J.W. Terrill will customize your policy to cover more than just the dwelling.  We will tailor a policy to fit all your needs, including contents, personal liability, damage due to earthquake, back-up of sewer and drain, and identity theft.

Because home insurance is based upon the cost to rebuild your home in the event of a total disaster, J. W. Terrill uses advanced technology to help determine the Replacement Cost of your home so you are insured properly.  The Replacement Cost also includes demolition, debris removal, and architect fees.

*Personal Renters – If you’re renting a house or apartment for your private residence, it is a good idea to insure your personal belongings inside the home with a Renter’s policy for just dollars a month. 

To learn more, call 314-594-2784 or request more information.


Did You Know...

Flood insurance is not covered by a homeowner’s policy.  A separate policy is required.
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Market value is the amount your home and land would sell for in today’s market.  Replacement Cost is the amount it would take to rebuild your home.

Earthquake coverage is not included in a homeowner policy, but can be added.