Does a standard homeowners policy cover flooding?

Flood damage is generally not covered by a standard homeowners policy. Every policy is different, so ask an agent what separate options may be available.

Can I change personal coverage through this website?

No. Coverage cannot be bound, changed, cancelled, or guaranteed online. Call (660) 376-4200 to speak directly with a licensed agent.

Personal insurance

Coverage for home, road, and everything in between.

Q: When should I review my home and auto insurance?

A review is useful before renewal and after a move, vehicle purchase, new driver, renovation, home-based work change, or major family change.

From its Marceline office, Black Insurance Group, LLC helps Missouri households review home and auto insurance, renters and rental dwelling coverage, umbrella protection, and other personal needs.

Start a conversation Call the office

A modest Midwest home and family vehicle in a sunny driveway — Home and auto needs often change together. A review helps keep the whole household in view.

Common starting points

Tell us what changed.

You do not need every detail ready. A quick conversation helps us tell you what information comes next.

Auto

Everyday and high-value vehicles, new drivers, replacement vehicles, and questions before renewal.

Home & rentals

Homes, high-value property, rental dwellings, belongings, liability, and recent updates.

Renters & umbrella

Protection for belongings and personal liability, plus questions about added liability limits.

Life & specialty

Ask about longer-term protection, boats, RVs, motorcycles, ATVs, and other personal needs.

See all coverage

A good time to review

When life moves, coverage may need to move with it.

You bought a home, vehicle, boat, or recreational vehicle.
A new driver joined the household.
You started working from home or renting property.
Your family, income, or responsibilities changed.
Renewal is coming up and you have questions.

Personal insurance FAQ

Helpful questions for the next review.

Policy wording, limits, deductibles, and exclusions vary. These are prompts for a conversation with an agent.

When should I review home and auto coverage?

Before renewal and after a move, vehicle purchase, new driver, renovation, home-based work change, or major family change.

Does homeowners insurance cover flooding?

Flood damage is generally not covered by a standard homeowners policy. Ask what separate options may be available for your property.

Can I change coverage online?

No. Coverage cannot be bound, changed, cancelled, or guaranteed through this website, so please call us at (660) 376-4200.