Home, auto, and more, under one roof.

Personal Insurance Coverage in Missouri, From Our Family To Yours

Protecting your home, car, and family starts with coverage you can trust, and people who know your name. At Fortner Insurance, we help our neighbors across Springfield and surrounding communities like Nixa, Ozark, and Battlefield find personal insurance that fits their lives and budgets, from auto and home to flood and umbrella policies.

Car with shield and checkmark, symbolizing protection.

Auto insurance

Coverage for accidents, theft, damage, and more.

House with a checkmark inside a shield, symbolizing home security.

Homeowners insurance

Protection for your house, belongings, and peace of mind.

House icon with a shield and key for home security.

Renters insurance

Coverage for personal property in a rented space.

Black and white illustration of a building with windows, a door, and a slanted roof.

Condo insurance

Policies for your condo unit and interior fixtures.

Boat icon on water.

Boat & personal watercraft insurance

For lake days at Table Rock, Stockton, or Pomme de Terre.

Black and white line art of a motorcycle.

Motorcycle insurance

Coverage for you and your ride, whether local or long-haul.

House icon with a shield and checkmark, above water.

Flood insurance

Separate coverage for rising water and flash flooding risks.

Person with key and house icon.

Landlord insurance

Coverage for rental property owners and investment homes.

Umbrella icon.

Umbrella insurance

Extra liability protection that goes beyond standard policies.

Helpful answers

Personal insurance FAQs.

  • Do I need separate flood insurance in Missouri?

    Yes—standard home policies usually don’t include flood damage. If you live near creeks, rivers, or low-lying areas, a separate flood policy is a smart idea.

  • What insurance do I need to rent an apartment in Springfield?

    Renters insurance protects your personal belongings and provides liability coverage. Many landlords in Springfield require proof before move-in.

  • Can I bundle my home and auto insurance in Springfield MO?

    Absolutely. Bundling often saves you money and simplifies your billing. We’ll help you compare bundle options from multiple carriers.

  • Is umbrella insurance worth it for the average homeowner?

    If you want added peace of mind—especially if you have a teen driver, rental property, or frequent guests—umbrella coverage can be a smart and affordable layer of protection.

  • How quickly can I get personal insurance quotes in Springfield?

    Very quickly. Just tell us what you’re looking for and we’ll shop our network of trusted carriers to find coverage that fits—usually same-day.

Need Life Insurance Too?

We also offer personal and business life insurance plans to protect the people who matter most.