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.
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.
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 →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
Tailored to how you actually live — not what a computer generated.
Liability, collision, comprehensive, uninsured motorist. Real protection beyond state minimums.
Dwelling, property, liability, living expenses. Full replacement cost coverage for your home.
$1M+ above home & auto limits. Lawsuits, defense costs — typically just a few hundred per year.
Standard home policies don't cover floods. NFIP + private options. 30-day waiting period for new policies.
Motorcycle, boat, RV, earthquake, rental property — we cover it all.
We tailor coverage to your life and budget.
Talk to an Agent →Missouri sits near the New Madrid Seismic Zone. Protects your home from seismic damage not covered by standard policies.
Liability, collision, comprehensive, and accessories coverage. Seasonal payment options may be available.
Protects belongings and provides liability even when you don't own the property. Starts at just a few dollars per month.
Vacation homes, lake houses, and rental properties. Specialized landlord policies also available.
We shop multiple carriers so you get the best protection without overpaying.
Get a Free Quote →660-665-1687 · 660-754-1000
Call, email, or fill out our online form. Share basic details about what you need covered.
We review your current policies, identify gaps, and discuss your priorities and budget.
We shop across multiple carriers and present the best options side by side.
Choose the plan that fits. We handle the paperwork and get you covered quickly.
Practical guidance to help you make confident insurance decisions.
Learn why constantly switching providers can create risks and what to consider instead.
Watch on YouTube →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 →See why families and business owners trust Brawner Insurance for reliable, personalized coverage.
"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!"
"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!!"
"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."
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.
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.
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.
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 pays depreciated value. Replacement cost pays full cost to replace with new. We recommend replacement cost for your home and belongings whenever possible.
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.
We'll shop multiple carriers and find what actually fits your life and budget.
Get a Free Quote →660-665-1687 · 660-754-1000