# Home Insurance in Sullivan, MO: Coverage, Costs and Quotes > Sullivan, MO home insurance in plain English: what a policy covers, why flood and sinkholes need their own answer, what drives price and how to get a quote. Source: https://tinagregoryagency.com/blog/home-insurance/home-insurance-in-sullivan-mo-coverage-costs-and-quote-questions/ [Home](https://tinagregoryagency.com/) / [Blog](https://tinagregoryagency.com/blog/) / [Home Insurance](https://tinagregoryagency.com/blog/#home-insurance) # Home Insurance in Sullivan, MO: Coverage, Costs and Quote Questions What coverage a Sullivan home policy includes and leaves out, the river and sinkhole questions, what drives costs and how our office on Dunsford Drive quotes a home. In plain English, from your local Farmers agency. Please enter a valid 5-digit ZIP code. or call [(573) 358-4513](tel:+15733584513) Almost done Where should we send it? A licensed agent on Tina’s team will reach out during business hours. Auto Home Home + auto bundle Condo Renters Landlord / rental Flood Umbrella Life Motorcycle RV, boat & camper Business By clicking **Get My Free Quote**, I give Tina Gregory Agency (Tina Gregory Insurance Agency LLC) and its licensed agents, and, for quotes from insurance companies other than Farmers, Kraft Lake Insurance Agency, my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (573) 358-4513 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. 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[Call (573) 358-4513](tel:+15733584513) Mon–Fri 9:00 AM – 5:00 PM Central **5.0** Star rating, 52 reviews **Farmers+** More Than One Door **Sullivan** Local office **Mon–Fri** 9 AM to 5 PM Central By the **Tina Gregory Agency team** · Reviewed by [**Tina Gregory**](https://tinagregoryagency.com/team/tina-gregory/), owner and licensed Missouri insurance agent · Updated October 19, 2026 · 12 min read · Sullivan, MO The Short Version ## Home insurance in Sullivan, MO, in 60 seconds - **A standard policy covers the house, outbuildings, belongings and liability, but not flood or earthquake.** Sinkholes are usually excluded too. - **Set your dwelling limit to rebuild cost, not market value.** It’s what a contractor would charge to rebuild, not what the house would sell for. - **Turn your wind and hail deductible into dollars.** Some insurers use a percentage deductible. The state’s example: 2% of a $100,000 dwelling limit is $2,000. - **Sullivan participates in the NFIP, and flood is a separate policy.** A new NFIP policy generally waits 30 days. - **Do this:** pull your declarations page, list every building on the lot, look up your flood zone and call Tina or Matthew to walk through it. Free policy review Want a second set of eyes on your home policy? Send your ZIP and we’ll walk through your dwelling limit, your wind and hail deductible and what your policy leaves out. No spam, no obligation. Auto Home Home + auto bundle Condo Renters Landlord / rental Flood Umbrella Life Motorcycle RV, boat & camper Business Please add a valid 5-digit ZIP and pick what you need. Prefer to talk it through? [(573) 358-4513](tel:+15733584513) · Mon–Fri 9:00 AM – 5:00 PM Central 5.0★ · 52 reviews on Google & Farmers · Farmers agency in Sullivan, MO Almost done Where should we send it? A licensed agent on Tina’s team will reach out during business hours. By clicking **Get My Free Quote**, I give Tina Gregory Agency (Tina Gregory Insurance Agency LLC) and its licensed agents, and, for quotes from insurance companies other than Farmers, Kraft Lake Insurance Agency, my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (573) 358-4513 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://tinagregoryagency.com/privacy) and [Terms of Use](https://tinagregoryagency.com/terms), including the [arbitration clause](https://tinagregoryagency.com/terms#arbitration) and [E-SIGN consent](https://tinagregoryagency.com/terms#esign). Please complete every field with a valid phone and email. You're all set A licensed agent will reach out during business hours about your home quote. Rather talk now? [Call (573) 358-4513](tel:+15733584513) Mon–Fri 9:00 AM – 5:00 PM Central Maybe you just closed on a house off MO-185, or your renewal came in higher and you want to know what drives the costs and what your coverage really includes. Or a spring storm just rolled through, and you’re reading your policy for the first time. Insuring a home around Sullivan comes with its own questions. The city straddles the Franklin and Crawford county line, with 6,906 residents at the [2020 census](https://www.census.gov/quickfacts/fact/table/sullivancitymissouri/PST045224). Some homes sit near the Meramec or the Bourbeuse, some on acreage with a shop out back, and the whole area gets spring hail. This guide covers what a policy covers and leaves out, what moves the price and how our office puts a quote together. For the statewide picture, start with our [Missouri homeowners insurance guide](https://tinagregoryagency.com/blog/home-insurance/missouri-homeowners-insurance-guide-coverage-costs-and-quote-questions/). ## What does a homeowners policy cover for a Sullivan home? **The short answer:** A standard policy covers the house, other structures, your belongings, extra living costs and your liability, but flood, earthquake and earth movement are left out, and sewer backup usually needs an add-on. A standard homeowners policy, often called an HO-3, covers the **dwelling**, **other structures**, **personal property**, **loss of use**, **personal liability** and **medical payments** to guests, for sudden losses like wind, hail and fire, subject to your deductible and terms. The Missouri Department of Commerce and Insurance (DCI) consumer guide lists flood and earthquake under what isn’t covered. Here’s how the common Sullivan-area risks sort out: Sources: DCI [Consumer Guide to Homeowners Insurance](https://insurance.mo.gov/media/25996) (rev. March 2025) and FEMA. Every policy has its own terms. Risk Standard policy? What to ask Wind, hail and fire Usually covered Is the wind and hail deductible a flat amount or a percentage? Sewer or sump pump backup Add-on A water backup endorsement, with a limit you choose. Flood (rising water) Separate policy NFIP or private flood; NFIP generally waits 30 days. Sinkholes, earthquake Usually excluded An endorsement or separate policy where available. $163,200 was the median value of owner-occupied homes in Sullivan in the Census Bureau’s 2020–2024 estimates. That’s market value, land included; your dwelling limit should follow rebuild cost. Source: [U.S. Census Bureau QuickFacts](https://www.census.gov/quickfacts/fact/table/sullivancitymissouri/PST045224) . The number that matters most is your **dwelling limit**. Market value counts the lot and leaves out debris removal and today’s building codes, so rebuild cost can land far from the sale price. **Sinkholes.** Missouri is karst country: the Department of Natural Resources counts [about 16,000 known sinkholes](https://dnr.mo.gov/land-geology/hazards/sinkholes) statewide. Standard policies typically exclude earth movement. Sinkhole coverage may be available by endorsement, and on March 4, 2015, DCI [announced](https://dci.mo.gov/node/2121) that Missourians can buy a standalone Sinkhole Loss policy through the Missouri FAIR Plan. ## What if your home sits on acreage with a shop, barn or well? **The short answer:** Detached buildings fall under other structures coverage, often set as a share of the dwelling limit, so tell us about every shop, barn and outbuilding. Other structures coverage pays for a detached garage, shed, fence or pole barn. Many policies set it as a percentage of the dwelling limit. Check yours on the declarations page: if it were 10% on a home insured for $200,000, that’s $20,000 for everything detached. Questions worth bringing to the quote: - **What would each outbuilding cost to replace?** Size and construction matter. - **Is anything used for a business or farming?** That may need different coverage, so tell us up front. - **Are you on a well?** Ask how your policy treats the pump and a separate well house. Around Sullivan **Walk the property on paper before you call.** List every building on the lot with its rough size, so your other structures limit matches what’s out there. ## How do hail and wind deductibles work on a Sullivan home? **The short answer:** Wind and hail are usually covered, but some insurers use a percentage deductible for them, figured on your dwelling limit, so turn it into dollars before storm season. Spring brings hail, high wind and, some years, tornado warnings. Those losses are usually covered; the deductible is the part people miss. DCI’s guide to [lowering your premium](https://insurance.mo.gov/lowering-your-premium) notes that “some insurance companies sell homeowners insurance policies with percentage deductibles for wind and hail damage.” DCI’s example is a house insured for $100,000 with a 2 percent deductible, where $2,000 comes off the claim. Illustrative example · not a quote Your home is insured for **$250,000** , with a **$1,000** all-perils deductible and a **2%** wind and hail deductible. - A kitchen fire claim: you pay the first **$1,000**. - A hail claim for a new roof: you pay the first **$5,000**, because 2% of $250,000 is $5,000. Same policy, two very different checks. Your own deductibles are on your declarations page. Also ask whether your roof settles at **replacement cost** or **actual cash value**, which reduces the payment for the roof’s age. Our [Missouri storm, flood and sinkhole playbook](https://tinagregoryagency.com/blog/missouri-storms-and-floods/storm-flood-and-sinkhole-country-a-missouri-homeowners-insurance-playbook/) goes deeper on storm season. ## Do Sullivan homeowners need flood insurance? **The short answer:** Homeowners policies exclude flood, Sullivan participates in the National Flood Insurance Program, and a new NFIP policy generally takes 30 days to start, so look up your address and decide before the river rises. Rising water from the Meramec, the Bourbeuse or a creek isn’t covered by a home policy. And the water has come up before. The National Weather Service in St. Louis called the [December 2015 flood](https://www.weather.gov/media/lsx/recent_event/2015_DecemberFlooding.pdf) “the new benchmark for river flooding along the Bourbeuse and Meramec River Basins,” with the Bourbeuse at Union cresting at a record 34.31 feet on December 29, 2015. In a flood warning issued the night of April 30, 2017, NWS forecast record flooding on the Meramec near Sullivan, and its [spring 2017 summary](https://www.weather.gov/lsx/04_29_2017) notes at least four gauges set record crests. - **Sullivan participates in the NFIP.** FEMA’s [Community Status Book](https://www.fema.gov/flood-insurance/work-with-nfip/community-status-book) lists the City of Sullivan (community 290136, in Crawford and Franklin counties) as participating in the regular program since June 15, 1981, with no sanction (data as of August 25, 2026). - **The current flood map dates to October 18, 2011,** per the same FEMA record. Look up your own address on FEMA’s [Flood Map Service Center](https://msc.fema.gov/portal/home). - **There’s a waiting period.** FEMA says “typically, there’s a [30-day waiting period](https://www.fema.gov/faq/waiting-period-activating-flood-policy) from date of purchase before your policy goes into effect,” with limited exceptions. - **Lenders require it in high-risk zones.** [FEMA says](https://www.floodsmart.gov/get-insured/eligibility) that with a government-backed mortgage on a home in a Special Flood Hazard Area, flood coverage is required. Elsewhere it’s your call, and private flood may be available. Missouri watch-out **Don’t wait for the river forecast.** With a 30-day wait, the time to buy flood coverage is when the water is low. Our [flood insurance page](https://tinagregoryagency.com/flood-insurance) explains NFIP limits. Free coverage check Not sure where your home stands on flood and hail? We’ll look up your flood zone with you and put your wind and hail deductible in dollars, then you decide. Auto Home Home + auto bundle Condo Renters Landlord / rental Flood Umbrella Life Motorcycle RV, boat & camper Business Please add a valid 5-digit ZIP and pick what you need. Prefer to talk it through? [(573) 358-4513](tel:+15733584513) · Mon–Fri 9:00 AM – 5:00 PM Central 5.0★ · 52 reviews on Google & Farmers · Farmers agency in Sullivan, MO Almost done Where should we send it? A licensed agent on Tina’s team will reach out during business hours. By clicking **Get My Free Quote**, I give Tina Gregory Agency (Tina Gregory Insurance Agency LLC) and its licensed agents, and, for quotes from insurance companies other than Farmers, Kraft Lake Insurance Agency, my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (573) 358-4513 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://tinagregoryagency.com/privacy) and [Terms of Use](https://tinagregoryagency.com/terms), including the [arbitration clause](https://tinagregoryagency.com/terms#arbitration) and [E-SIGN consent](https://tinagregoryagency.com/terms#esign). Please complete every field with a valid phone and email. You're all set A licensed agent will reach out during business hours about your home quote. Rather talk now? [Call (573) 358-4513](tel:+15733584513) Mon–Fri 9:00 AM – 5:00 PM Central ## What drives the price of home insurance in Sullivan? **The short answer:** Rebuild cost, the roof, age and updates, fire protection, claims history and your deductibles drive it, not a town average. There isn’t a reliable public average premium for one small city, and two houses on the same road can price very differently. Here’s what moves the number: Rebuild ### Rebuild cost Your dwelling limit is the base most of the premium is built on. Roof ### Roof age and material An older roof can raise the price or change how a roof claim is settled. Fire ### Fire protection Most insurers use a 1-to-10 grade of local fire protection, and it feeds into the price. Age ### Age, updates and claims Documented wiring, plumbing and heating updates help; past claims can raise the price. Choices ### Deductibles and add-ons DCI notes that a higher deductible generally means a lower premium. **Fire protection is the local one.** Verisk, which runs the [Public Protection Classification program](https://www.verisk.com/insurance/about/faq/the-public-protection-classification-ppc-program/), says virtually all U.S. home insurers use its 1-to-10 classes in calculating premiums, and that Class 1 generally represents superior fire protection. Around Sullivan, that’s usually the Sullivan Fire Protection District, which serves parts of Franklin, Crawford and Washington counties and lists its stations on its [own website](https://sullivanfpd.com/stations). Out on acreage, distance to a station and a hydrant can rate differently than in town. We check what applies to your address when we quote. **Discounts.** DCI notes discounts for safety features like smoke detectors, burglar alarms and dead-bolt locks. You may also qualify for bundling or occupation discounts. Eligibility varies, and discounts aren’t available in every situation. ## What if you’re non-renewed or can’t find home coverage? **The short answer:** Call us when the letter arrives: we start with Farmers®, look through Kraft Lake when Farmers isn’t the fit, and keep the FAIR Plan as the last resort. A non-renewal letter is stressful, and it’s often about an insurer’s appetite, not you. We start with Farmers. When Farmers isn’t the best fit, we can also quote other companies through Kraft Lake Insurance Agency. If the regular market won’t write the home, the [Missouri FAIR Plan](https://www.missourifairplan.com/), officially the Missouri Property Insurance Placement Facility, provides property coverage to people who haven’t been able to get it elsewhere. Its toll-free number is 800-392-7240, and applications have to be completed by a Missouri licensed agent. For questions or a complaint about an insurer, DCI’s [consumer hotline](https://insurance.mo.gov/consumers/complaints) is 800-726-7390. ## How does our Sullivan office quote a home? **The short answer:** We start from your declarations page and the house itself, explain each coverage, and you pick the limits. - **Your declarations page** Your current limits, deductibles (including any wind and hail percentage) and endorsements. Every change from it is on purpose. - **The basics of the house** Year built, square footage, construction and the years of any electrical, plumbing or heating updates. - **Your roof** The year it went on and the material. - **What’s out back** Detached garage, shop, barn or well house, with rough sizes. - **Claims and your lender** Any recent claims, plus your mortgage company’s information. Then look up your flood zone. Then call Tina or Matthew at [(573) 358-4513](tel:+15733584513), Monday through Friday from 9 AM to 5 PM Central, or stop by 878 Dunsford Dr. We actually explain the coverages to you and let you pick what works for you. If you have cars too, we’ll show you whether bundling makes sense; our [Sullivan car insurance guide](https://tinagregoryagency.com/blog/auto-insurance/car-insurance-in-sullivan-mo-coverage-costs-and-quote-questions/) covers the auto side. **Reviewed by Tina Gregory.** Tina owns Tina Gregory Agency, a Farmers Insurance agency at 878 Dunsford Dr in Sullivan. Her rule for every quote: explain the coverages, then let you pick what works for you. Not sure what your wind and hail deductible comes to in dollars? Bring your declarations page and we’ll work it out with you. ## The bottom line on home insurance in Sullivan Insure to rebuild cost, know your wind and hail deductible in dollars, count every building and decide on flood before the river does. Call us at [(573) 358-4513](tel:+15733584513) or stop by 878 Dunsford Dr with your declarations page. You can also start on our [home insurance page](https://tinagregoryagency.com/home-insurance), visit our [Sullivan office page](https://tinagregoryagency.com/sullivan/) or go straight to a [free home quote](https://tinagregoryagency.com/quote?type=home). Free home quote Ready for a quote built around your house? Start with your ZIP. A licensed agent on Tina’s team will follow up during business hours. Auto Home Home + auto bundle Condo Renters Landlord / rental Flood Umbrella Life Motorcycle RV, boat & camper Business Please add a valid 5-digit ZIP and pick what you need. Prefer to talk it through? [(573) 358-4513](tel:+15733584513) · Mon–Fri 9:00 AM – 5:00 PM Central 5.0★ · 52 reviews on Google & Farmers · Farmers agency in Sullivan, MO Almost done Where should we send it? A licensed agent on Tina’s team will reach out during business hours. By clicking **Get My Free Quote**, I give Tina Gregory Agency (Tina Gregory Insurance Agency LLC) and its licensed agents, and, for quotes from insurance companies other than Farmers, Kraft Lake Insurance Agency, my prior express written consent, by electronic signature, to contact me with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the number and email I provided, about my insurance quote and related insurance products and services, even if my number is on a Do Not Call list. My information is never sold or shared with other agencies for their own marketing. Consent is not a condition of purchase; I can call (573) 358-4513 instead. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. I agree to the [Privacy Policy](https://tinagregoryagency.com/privacy) and [Terms of Use](https://tinagregoryagency.com/terms), including the [arbitration clause](https://tinagregoryagency.com/terms#arbitration) and [E-SIGN consent](https://tinagregoryagency.com/terms#esign). Please complete every field with a valid phone and email. You're all set A licensed agent will reach out during business hours about your home quote. Rather talk now? [Call (573) 358-4513](tel:+15733584513) Mon–Fri 9:00 AM – 5:00 PM Central ## Other questions Sullivan homeowners ask ### Do I need an umbrella policy on top of my home insurance? If you have savings or a teen driver, it’s worth pricing one. An umbrella adds liability above your home and auto limits. See our [umbrella insurance page](https://tinagregoryagency.com/umbrella-insurance). ### Does my homeowners policy cover a house I rent out? No. A home you rent to someone else needs a landlord policy. Our [landlord insurance page](https://tinagregoryagency.com/landlord-insurance) explains what that coverage looks like. ### How do I report a claim or pay my bill? Our [service center](https://tinagregoryagency.com/service-center/) has claim and payment contacts. If you’re our client, you can also call the office and we’ll help. ### Can I bundle my home and car insurance? Yes. Bundling home and auto may lower the price, and it keeps both policies with one local office. Discounts vary and aren’t available in every situation. Start on our [auto insurance page](https://tinagregoryagency.com/auto-insurance). ## Sullivan home insurance FAQ Does homeowners insurance cover flooding in Sullivan, MO? No. Standard homeowners policies exclude flood, including rising water from the Meramec, the Bourbeuse or a local creek. Flood coverage is a separate policy, usually through the National Flood Insurance Program, and FEMA says a new policy has a 30-day waiting period, with limited exceptions. Sullivan participates in the NFIP, and private flood may also be available. Water backing up through a drain is different: that needs a water backup endorsement on your home policy. Is Sullivan in the National Flood Insurance Program? Yes. FEMA’s Community Status Book lists the City of Sullivan, community number 290136 in Crawford and Franklin counties, as participating in the NFIP’s regular program since June 15, 1981, with no sanction, and its current flood map is dated October 18, 2011. That means NFIP flood policies are available for homes in the city. To see your flood zone, search your address on FEMA’s Flood Map Service Center at msc.fema.gov, or call us and we’ll look it up with you. How much does home insurance cost in Sullivan, MO? There isn’t a reliable public average for Sullivan alone, and two homes on the same road can price very differently. Your price depends on what it would cost to rebuild the house, the roof, the home’s age and updates, the fire protection at your address, your claims history and the deductibles and add-ons you choose. Discounts such as bundling may apply; eligibility varies. The way to get a real number is a quote for your house. Is sinkhole damage covered on a Sullivan-area home policy? Usually not by a standard policy, which typically excludes earth movement. Sinkhole coverage may be available as an endorsement, depending on the company. The Missouri Department of Commerce and Insurance announced in March 2015 that Missourians can buy a standalone Sinkhole Loss policy through the Missouri FAIR Plan to supplement their primary coverage. Ask us what’s available for your address. What do I need to get a home insurance quote in Sullivan? Your declarations page if you have one, the home’s year built, square footage and construction, the roof’s age and material, the years of any major updates, a list of outbuildings, recent claims and your mortgage company. Call Tina or Matthew at (573) 358-4513, Monday through Friday from 9 AM to 5 PM Central, or start a free quote online. We’ll explain each coverage and you pick what works for you. About this guide Written by the Tina Gregory Agency team · Reviewed by Tina Gregory Tina Gregory owns Tina Gregory Agency, a Farmers Insurance agency at 878 Dunsford Dr in Sullivan, Missouri. With Matthew Tolliver, Kathleen Orick and Maggie Gregory, she helps families and businesses in Sullivan and nearby towns with auto, home, life and business coverage. Her approach, in her words: “We actually explain the coverages to you and let you pick what works for you.” [More about Tina →](https://tinagregoryagency.com/team/tina-gregory/) Tina Gregory Agency (Tina Gregory Insurance Agency LLC) is a Farmers Insurance® agency. Farmers, Foremost® and Bristol West® policies are underwritten by companies of the Farmers Insurance Group. Policies from other insurance companies are offered through Kraft Lake Insurance Agency, Inc., an insurance agency owned by Farmers that holds appointments only with non-Farmers insurance companies. Not every product or company is available in every situation. This guide is general information, not legal or financial advice, and it doesn't change any policy. Coverage is subject to policy terms, conditions, qualifications, underwriting approval and availability. Discounts vary and are not available in all situations. Figures cited were accurate on the date shown and can change. Last reviewed by Tina Gregory on October 19, 2026. **Tina Gregory** Owner & agent · Sullivan, MO Free coverage review ### Get your Sullivan home quote We explain the coverages, then you pick what works for you. A licensed local agent, not a call center. [Get My Free Quote →](https://tinagregoryagency.com/quote?type=home) [(573) 358-4513](tel:+15733584513) 5.0★ · 52 reviews Farmers + more Sullivan office Related guides [Missouri homeowners insurance guideThe statewide home pillar](https://tinagregoryagency.com/blog/home-insurance/missouri-homeowners-insurance-guide-coverage-costs-and-quote-questions/) [Storm, flood and sinkhole playbookMissouri’s signature risks](https://tinagregoryagency.com/blog/missouri-storms-and-floods/storm-flood-and-sinkhole-country-a-missouri-homeowners-insurance-playbook/) Wind and hail deductibles in MissouriPublishing next Flood insurance in MissouriPublishing next [Flood insuranceService page · NFIP and the 30-day wait](https://tinagregoryagency.com/flood-insurance) [Our Sullivan office878 Dunsford Dr · Mon–Fri 9–5](https://tinagregoryagency.com/sullivan/) [All home insurance guidesThe full Missouri home pillar](https://tinagregoryagency.com/blog/#home-insurance) Talk to a local agent **Sullivan office** 878 Dunsford Dr, Sullivan, MO 63080 [(573) 358-4513](tel:+15733584513) Mon–Fri 9:00 AM – 5:00 PM Central · closed weekends. ## Also read [All Missouri insurance guides →](https://tinagregoryagency.com/blog/) [Guide ### Missouri Homeowners Insurance Guide: Coverage, Costs and Quote Questions Set a Missouri home’s dwelling limit to rebuild cost, turn wind and hail deductibles into dollars, spot flood and sinkhole gaps and compare quotes fairly. Read the guide →](https://tinagregoryagency.com/blog/home-insurance/missouri-homeowners-insurance-guide-coverage-costs-and-quote-questions/) [Guide ### Storm, Flood and Sinkhole Country: A Missouri Homeowner’s Insurance Playbook Hail, tornadoes, Meramec flooding, sinkholes and New Madrid: how a standard Missouri home policy treats each one, what it leaves out and how to fill gaps. Read the guide →](https://tinagregoryagency.com/blog/missouri-storms-and-floods/storm-flood-and-sinkhole-country-a-missouri-homeowners-insurance-playbook/) [Guide ### Car Insurance in Sullivan, MO: Coverage, Costs and Quote Questions Car insurance in Sullivan, MO: what Missouri requires, how deer, hail and I-44 miles shape coverage, what drives your price and how to quote with our office. Read the guide →](https://tinagregoryagency.com/blog/auto-insurance/car-insurance-in-sullivan-mo-coverage-costs-and-quote-questions/) [Coverage ### Insurance Agency in Sullivan, Missouri Farmers Insurance agency at 878 Dunsford Dr in Sullivan, Missouri, with other options through Kraft Lake. Auto, home, life and business. See coverage →](https://tinagregoryagency.com/sullivan/) ## Let’s look at your home policy together. Free, and no obligation. Bring your declarations page. We’ll check your dwelling limit, put your wind and hail deductible in dollars, look up your flood zone and help you pick the coverage that fits. [Get My Free Quote](https://tinagregoryagency.com/quote?type=home) [or call **(573) 358-4513**](tel:+15733584513) --- **Tina Gregory Agency** · 878 Dunsford Dr, Sullivan, MO 63080 · (573) 358-4513 · Mon–Fri 9:00 AM–5:00 PM Central Request a quote: https://tinagregoryagency.com/quote-request (plain HTML form) or https://tinagregoryagency.com/quote (guided).