When Missouri summer heat waves strike, your home works overtime to keep you comfortable. While air conditioning is the most obvious line of defense, extreme temperatures can strain multiple systems in your home and sometimes lead to costly breakdowns or even property damage. That is why it helps to know how heat affects your home, your farmstead, and your insurance coverage.

How Heat Affects Homes

High temperatures can push HVAC units beyond their limits, increasing the chance of breakdowns and shortening their lifespan. Older properties and systems are especially vulnerable. Overloaded electrical outlets, often from running fans or window AC units, can also pose a fire hazard. Even your roof can be impacted. Without proper ventilation, shingles may curl or weaken, creating the potential for leaks.

Rural Life Risks

For many rural homes, cooling systems work hand in hand with well pumps, propane tanks, and detached HVAC setups. These systems often run harder in extreme heat, and when they fail, the household impact is immediate. Regular maintenance and the right insurance endorsements can help protect them and save money in the long run.

Insurance Protection Options

A standard home policy does not cover everything. Equipment breakdown coverage, for example, can help if your central AC, well pump, or other covered system stops working because of a mechanical or electrical failure. Optional coverages may also be available for specific equipment depending on your property. A conversation with your local agent is the best way to be sure you have the protection that fits your home.

Proactive Maintenance Tips

• Change HVAC filters monthly during peak use.
• Schedule seasonal tune-ups for your AC system.
• Avoid overloading outlets with multiple cooling devices.
• Inspect attic ventilation and roof condition.
• Keep outdoor HVAC units clear of debris and shaded if possible.

Protecting your home from the heat starts with awareness, but it does not stop there. With the right maintenance and coverage, you can face Missouri’s hottest days with confidence. How do we know? We were founded in 1900 by local farmers in Lincoln County, Missouri, and we have spent more than 124 years protecting homes, farms, and property across the state. As a policyholder-owned company, every member has a voice in how we operate. Guided by strong leadership and dedicated to serving Missourians with respect and integrity, we remain committed to our mission: providing personal and dependable service with quality products at a competitive price.

Lincoln County Farmers Mutual Insurance Company
Small enough to know you, strong enough to serve you.