✉ admin@brawnerinsurance.com 📱 Kirksville: 660-665-1687 📱 Kahoka: 660-754-1000
Personal Insurance  ·  MO  ·  IA  ·  KS  ·  IL

Protect What Matters Most.

Your home, your vehicles, your family — they deserve coverage that actually fits your life. We help families across four states find the right personal insurance without the runaround.

★★★★★ 5.0 Rating
|
50+ Carriers
|
4 States
|
60+ Reviews
Independent Multiple carriers
4 States MO, KS, IA, IL
Bundle & Save Multi-policy discounts
Local Support Two MO offices
Why It Matters

Why Personal Insurance Matters

Tornadoes, hail, ice storms, flooding — the Midwest keeps you on your toes. Your home, your vehicles, and your family's financial security all need real protection, not just the minimum your mortgage company requires.

Most families don't realize they have significant gaps until something goes wrong. Understanding what your policy actually covers — and what it doesn't — is the first step.

Family home protected by personal insurance
$300K+ avg Midwest home value
1 in 5 homeowners underinsured
15%+ savings bundling home + auto

We're independent — not tied to one company. We shop your coverage across multiple carriers to find the right protection at the right price.

Compare Coverage Options →

Make sure your family is properly protected.

We'll shop multiple carriers and find the right home, auto, and umbrella coverage for your family.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Coverage Options

Personal Insurance Through Brawner

Tailored to how you actually live — not what a computer generated.

Auto Insurance

Liability, collision, comprehensive, uninsured motorist. Real protection beyond state minimums.

Homeowners

Dwelling, property, liability, living expenses. Full replacement cost coverage for your home.

Umbrella

$1M+ above home & auto limits. Lawsuits, defense costs — typically just a few hundred per year.

Flood Insurance

Standard home policies don't cover floods. NFIP + private options. 30-day waiting period for new policies.

Specialty

Motorcycle, boat, RV, earthquake, rental property — we cover it all.

Every Family Is Different

Let's build your plan.

We tailor coverage to your life and budget.

Talk to an Agent →
Specialty Coverage

Additional Personal Insurance Options

Earthquake

Missouri sits near the New Madrid Seismic Zone. Protects your home from seismic damage not covered by standard policies.

Motorcycle

Liability, collision, comprehensive, and accessories coverage. Seasonal payment options may be available.

Renters

Protects belongings and provides liability even when you don't own the property. Starts at just a few dollars per month.

Secondary Home

Vacation homes, lake houses, and rental properties. Specialized landlord policies also available.

Right coverage. Right price.

We shop multiple carriers so you get the best protection without overpaying.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Getting Started

How to Get Personal Insurance with Brawner

1

Contact Us

Call, email, or fill out our online form. Share basic details about what you need covered.

2

Coverage Review

We review your current policies, identify gaps, and discuss your priorities and budget.

3

Compare Quotes

We shop across multiple carriers and present the best options side by side.

4

Get Covered

Choose the plan that fits. We handle the paperwork and get you covered quickly.

Featured Insights

Insurance Insights & Education

Practical guidance to help you make confident insurance decisions.

Video

Why 'Shopping Insurance Every Year' Can Hurt Your Fire or EMS District

Learn why constantly switching providers can create risks and what to consider instead.

Watch on YouTube →
Video

Introducing the ResponderShield Desk Series | Real Fire & EMS Insurance Conversations

Real conversations about fire and EMS coverage, risks, and solutions for districts across Missouri.

Watch on YouTube →

Looking for guidance specific to your needs?

Schedule a Consultation →
Client Reviews

Trusted by Families & Businesses
Across Missouri, Iowa, Kansas & Illinois

See why families and business owners trust Brawner Insurance for reliable, personalized coverage.

★★★★★
5.0
Based on 90+ Google Reviews
Daniel Goodman
★★★★★

"If you're shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service. Thank you!"

Alyssa Baker
★★★★★

"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with. Thank you!!"

Corey S
★★★★★

"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."

View All Reviews on Google →
Common Questions

Personal Insurance FAQ

How much auto insurance do I need?

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We recommend carrying higher limits than the legal minimum. If damages exceed your limits, you're personally responsible. Carry enough to protect your home equity and savings.

Does homeowners insurance cover tornado damage?

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Yes. Standard homeowners covers wind damage including tornadoes. Some policies have separate wind/hail deductibles that may be higher — review yours so you know your out-of-pocket cost.

Do I need flood insurance outside a flood zone?

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Over 25% of flood claims come from outside high-risk zones. If you're near a river, creek, or low-lying area, it's worth considering. NFIP policies are available to any homeowner.

Can I save money by bundling home and auto?

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Yes — most carriers offer 10% to 25% multi-policy discounts. We quote your home and auto together across multiple carriers to find the best bundle.

Actual cash value vs. replacement cost?

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Actual cash value pays depreciated value. Replacement cost pays full cost to replace with new. We recommend replacement cost for your home and belongings whenever possible.

Do I need earthquake insurance in Missouri?

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Missouri sits on the New Madrid Seismic Zone. Standard homeowners doesn't cover earthquakes. Earthquake insurance is relatively affordable here and fills a real gap.

Your family deserves the right coverage.

We'll shop multiple carriers and find what actually fits your life and budget.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

View Location →

Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

View Location →
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