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Best Homeowners Insurance Agencies in O'Fallon, MO

Our Recommended Top 7

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored O'Fallon homeowners insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

57Reviewed

37Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving O'Fallon
4600 West Main Street, Belleville, MO 62226

Expertise.com Rating

Why choose this provider?

Acceptance Insurance is a homeowners insurance agency providing clients in the O'Fallon metro area with comprehensive services to help them purchase and make use of policies. Its agents provide homeowners with information on available policies and explain the terms of coverage and other implications to them. This agency also deals with any claims that clients need to make if their homes or personal items are damaged or anyone is hurt on their properties.

  • Multiple Policy Types
  • Personal Property Insurance

Best Homeowners Insurance Agencies Serving O'Fallon
1656 Bryan Road, O'Fallon, MO 63368

Expertise.com Rating

Review Sources

Google
5.0 (88)
Facebook
4.9 (15)

Why choose this provider?

Mid-America Specialty Markets is an independent insurance agency providing insurance products and solutions to O'Fallon locals. It has been operating since 1992 and specializes in home insurance coverages for various types of residential properties, such as rental homes, houses, condos, and specialty dwellings. Its homeowners' insurance plans provide coverage for the dwelling and other structures, personal property, loss of use, medical expenses, family and personal liability, and scheduled personal property. Instant quotes are available via the agency's website.

  • Fire
  • Condos
  • Renter's Insurance

Best Homeowners Insurance Agencies Serving O'Fallon
6825 Clayton Avenue, St. Louis, MO 63139

Expertise.com Rating

Why choose this provider?

Powers Insurance & Risk Management sells homeowners insurance policies to clients throughout the O'Fallon metro area and helps them to purchase the appropriate amount of coverage in the right types. Its available coverage options protect from losses associated with damage to dwellings or other structures, or complete replacement costs. Clients can also protect their personal belongings and insure themselves against any personal liability if accidents occur on their land. Powers Insurance & Risk Management insures restaurants as well.

  • Multiple Policy Types
  • Multiple Carriers

Best Homeowners Insurance Agencies Serving O'Fallon
2017 State Highway K, O'Fallon, MO 63366

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Mid America Insurance Services, LLC, has been helping O'Fallon residents with their insurance needs for more than 20 years. The company offers a range of insurance products like homeowners' insurance, which is important among homeowners who have mortgages. Its insurance agents take time to get to know their clients' needs and match them with the insurance company that they believe will be able to provide a suitable policy. Mid America Insurance Services represents Nationwide, Progressive, Foremost, Markel, and many other insurance companies.

  • Fire
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving O'Fallon
762 Lemay Ferry Road, St. Louis, MO 63125

Expertise.com Rating

Review Sources

Google
4.5 (37)

Why choose this provider?

Parker Insurance Group sells homeowners insurance products and helps clients to understand their policy options and rates. This agency consults each client on their needs and evaluates their assets to recommend levels and types of coverage. It also services any claims that clients make when their properties or possessions are damaged. Parker Insurance Group sells personal liability coverage to protect homeowners if anyone is hurt on their properties. Landlord and renters insurance policies are offered here too.

  • Multiple Policy Types
  • Renter's Insurance
  • Multiple Carriers

Best Homeowners Insurance Agencies Serving O'Fallon
124 Triad Center West, O'Fallon, MO 63366

Expertise.com Rating

Review Sources

Google
5.0 (16)
Yelp
5.0 (2)

Why choose this provider?

Senn Insurance Agency has been providing insurance solutions for residents in O'Fallon and nearby areas since 2010. It comprises insurance agents who offer homeowners' insurance policy that protects families from the financial burden of repairing homes after calamities like hail, fire, and lightning. It also covers additional living expenses, personal liability, and medical bills expenses. Senn Insurance Agency also has other insurance products for automobiles, boats, recreational vehicles, and flood insurance.

  • Fire
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving O'Fallon
6400 Wise Avenue, St. Louis, MO 63139

Expertise.com Rating

Review Sources

Google
4.8 (157)
Facebook
4.6 (9)
Yelp
2.3 (6)

Why choose this provider?

Andrews Insurance Agency sells homeowners insurance near O'Fallon. This agency is an associated State Farm office and offers assistance with policies that cover repair costs in cases where home and other structures take damage. Its plans also help people to protect themselves should their personal property be lost because off a natural disaster or theft. Andrews Insurance Agency can help with renters insurance as well, and this office provides auto insurance too.

  • Personal Property Insurance
  • Renter's Insurance
  • Condos

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Acceptance Insurance
4600 West Main Street, Belleville, MO 62226
Mid-America Specialty Markets
1656 Bryan Road, O'Fallon, MO 63368
Powers Insurance & Risk Management
6825 Clayton Avenue, St. Louis, MO 63139
Mid America Insurance Services, LLC
2017 State Highway K, O'Fallon, MO 63366
Parker Insurance Group
762 Lemay Ferry Road, St. Louis, MO 63125
Senn Insurance Agency
124 Triad Center West, O'Fallon, MO 63366
Andrew Broombaugh - State Farm Insurance Agent
6400 Wise Avenue, St. Louis, MO 63139

O'Fallon, MO Homeowners Insurance Agency FAQs

  • Can you file a complaint against your homeowners' insurance company in O'Fallon?

    Yes, you can file a complaint against your homeowners' insurance company in O'Fallon with the Missouri Department of Commerce and Insurance. Initially, it's best to discuss the issue with your insurance agent or company representative. If the problem persists and you suspect a violation of Missouri laws or regulations, you can submit a complaint form or contact the Consumer Hotline at 800-726-7390.

  • Can your homeowners' insurance premium increase after filing a claim in O'Fallon?

    Filing a homeowners' insurance claim in O'Fallon may cause a temporary increase in your premium, depending on factors like the claim type, damage severity, location, and claim history. Claims related to theft, water damage, and liability often lead to higher premiums due to their perceived risk of recurrence. Generally, premiums are more likely to increase for liability claims due to potential legal costs. The impact on your premium varies based on the nature of the claim.

  • Can you bundle your homeowners' insurance with other types of insurance in O'Fallon for discounts?

    Yes, you can bundle your homeowners' insurance with other insurance policies, like auto or life insurance. Many insurance providers provide discounts as an incentive for bundling policies. For instance, you can receive discounts by bundling your home and auto insurance together. Additionally, you can bundle various coverages, such as boat and auto insurance, multicar policies, and combinations of auto, home, and life insurance.

  • Can home insurance companies in O'Fallon deny coverage based on an individual’s credit history?

    Yes. Homeowners' insurance providers in O'Fallon have the authority to decline coverage or impose higher premiums based on an individual's credit history. Individuals with low credit scores might experience higher insurance costs or even a refusal of coverage. Those with limited credit histories might also encounter increased insurance expenses, depending on the insurance company's policies.

  • Can home insurance companies cancel your policy in O'Fallon without reason?

    In O'Fallon, homeowners' insurance companies cannot cancel your policy without a valid reason. These include non-payment of premiums, fraud or misrepresentation during the application process, the policyholder's conviction of a crime, or property modifications that significantly increase the risk of loss. However, during the initial 60 days of a new policy, insurance companies have more flexibility and can cancel your policy for nearly any reason.

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