Expertise.com Homepage

2024

Last updated:

Best Homeowners Insurance Agencies in O'fallon, MO

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Ofallon 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.

56Reviewed

36Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2429 State Highway K, O'Fallon, MO 63368

Expertise.com Rating

Review Sources

Google
4.7 (59)
Facebook
5.0 (4)

Why choose this provider?

Mid Rivers Insurance assists individuals and families in Ofallon searching for insurance policies that suit their lifestyle and financial background. This independent insurance agency has access to a network of top insurance providers, including Allstate, Berkshire Hathaway Homestate Companies, and Progressive. Its agents help clients compare policies and rates to prepare for untimely incidents such as plumbing problems, theft, and fires. They can also help with finding insurance solutions for manufacturers and contractors.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

427 W Terra Ln, O'Fallon, MO 63366

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Insurance Consultants Inc. is a homeowners' insurance agency located in O'Fallon. This company maintains partnerships with different insurance providers to help homeowners choose suitable insurance plans from multiple insurance quotes. Its insurance specialists aid clients in understanding their home values, ensuring homeowners obtain adequate coverage for recommended replacement values. Policyholders receive financial compensation for losses or damages arising from covered events, including fire, vandalism, theft, and electrical accidents. Insurance Consultants Inc. also offers renters and flood insurance products.

  • Multiple Policy Types
  • Personal Property Insurance

3449 Pheasant Meadow Drive, O'Fallon, MO 63368

Expertise.com Rating

Review Sources

Google
4.5 (24)
Facebook
5.0 (3)
Yelp
1.0 (1)

Why choose this provider?

Jay Maitland is an insurance agent who has been representing State Farm in Ofallon since 2000. He assists homeowners in assessing potential investment threats and provides custom insurance plans. With a homeowners' insurance policy, policyholders ensure adequate protection for possessions such as jewelry, musical instruments, furniture, collectibles, and cameras. Tools, lawn decorations, and swing sets are also included in the coverage options, with financial compensation for random acts and natural disasters. Maitland is a member of Ofallon's Kiwanis.

  • Multiple Policy Types

887 Bogler Court, Fenton, MO 63026

Expertise.com Rating

Review Sources

Google
4.8 (12)
Facebook
5.0 (9)

Why choose this provider?

Established in 1992, Alternatives Insurance Agency offers insurance products and services to O'Fallon. It provides tailored homeowners' insurance policies to clients seeking to protect their residential properties. Clients can input their basic information and basic descriptions of their homes on the agency website and an expert agent will return to them with a quote. The agents work with clients in structuring their homeowners' insurance policies to ensure that their needs and requirements are met. Alternatives Insurance Agency maintains offices in Missouri and Illinois.

  • Personal Property Insurance
  • Multiple Policy Types

2342 Technology Drive, O'Fallon, MO 63368

Expertise.com Rating

Review Sources

Google
4.9 (63)
Yelp
5.0 (1)

Why choose this provider?

Kathy Kilo Peterson - State Farm Insurance Agent protects O'Fallon homeowners from damage and losses caused by accidents, theft, and natural disasters. The homeowners' insurance agency safeguards the dwellings of a client along with the other structures found in their property such as a detached garage, guesthouses, and greenhouses. It has provisions for loss of use or for additional living expenses should the client need it. It also covers personal liability expenses if a guest is injured within the clients' premises. Kathy Kilo Peterson has been in the insurance industry for more than 20 years.

  • Multiple Policy Types

124 Triad Center W, O'Fallon, MO 63366

Expertise.com Rating

Review Sources

Facebook
5.0 (30)
Google
5.0 (14)
Yelp
5.0 (2)

Why choose this provider?

Senn Insurance Agency is a local family owned and operated brokerage that offers insurance services to O’Fallon residents. The company creates insurance policies for homeowners that cover property damage caused by the weight of ice and snow, hail, lightning, and fire. Its team also helps clients secure compensation for damaged or stolen personal belongings. The agency offers insurance plans from numerous providers, such as Progressive Insurance, Safeco, and Nationwide. Riley Gramann, the company's home insurance specialist, has over 8 years of experience in the industry.

  • Multiple Policy Types

1068 Bryan Road, O'Fallon, MO 63366

Expertise.com Rating

Why choose this provider?

Jeff Hug - Insurance Broker offers financial protection from its O'Fallon location. The insurance company assists clients in various areas including home insurance. Its team creates standard home insurance plans that cover property damage resulting from explosions, fire, and theft. The professionals also provide policies that compensate for a damaged property's replacement and repair costs. They also insure mobile homes and condominiums. The agents represent over 50 insurance carriers. Jeff Hug - Insurance Broker has been in service since 1991.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

1120 Technology Drive, O'Fallon, MO 63368

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Tom Wehde has been working with State Farm as its insurance agent in Ofallon since 1988. He aids homeowners in assessing potential financial risks and determines the coverage values for their investments. He informs policyholders of the replacement and market values for coverage computation and educates them about compensation limits. These limits apply to specific property types, such as firearms, trailers, and silverware. Policyholders receive financial protection for liability claims and property damages, whether due to random acts or natural disasters.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Mid Rivers Insurance
2429 State Highway K, O'Fallon, MO 63368
Insurance Consultants Inc.
427 W Terra Ln, O'Fallon, MO 63366
Jay Maitland - State Farm Insurance Agent
3449 Pheasant Meadow Drive, O'Fallon, MO 63368
Alternatives Insurance Agency
887 Bogler Court, Fenton, MO 63026
Kathy Kilo Peterson - State Farm Insurance Agent
2342 Technology Drive, O'Fallon, MO 63368
Senn Insurance Agency
124 Triad Center W, O'Fallon, MO 63366
Jeff Hug - Insurance Broker
1068 Bryan Road, O'Fallon, MO 63366
Tom Wehde - State Farm Insurance Agent
1120 Technology Drive, O'Fallon, MO 63368

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • If your contractor said that your entire roof needs to be replaced, can your homeowners' insurance in O'Fallon cover the expenses?

    It depends on the situation. In O'Fallon, if the roof damage is caused by perils like hail, lightning, fire, and windstorms, the repair or replacement expenses will be covered by homeowners' insurance. However, if the damage is caused by a lack of maintenance, the expenses will not be covered by the insurance policy.

  • Is it possible that your homeowners' insurance in O'Fallon will not be renewed?

    Yes, depending on the guidelines of the insurers, your O'Fallon homeowners' insurance may not be renewed. You may, however, continue to apply to other insurance companies. To find the best insurance rates, contact several companies. Because not all carriers write policies for policyholders with claims, you must ask your preferred insurers if they accept new applicants with recent claims.

  • Is homeowners' insurance in O'Fallon tax deductible?

    No, O'Fallon homeowners insurance rates are not tax deductible. If, on the other hand, you use a portion of your home for your small business, you can deduct a portion of your homeowners' insurance premiums. You can consult a tax advisor to determine what you can and cannot deduct from your taxes.

  • What should you do when buying homeowners' insurance in O'Fallon?

    When looking for O'Fallon homeowners insurance, look for licensed agents or agencies in your area. They will assist you in tailoring your policies to your specific requirements. It's also a good idea to look into their complaint history to ensure you're in good hands. Additionally, shopping around from different insurance carriers is recommended to get the best insurance premiums and terms.

  • Can homeowners' insurance protect you from expensive lawsuits in O'Fallon?

    Yes, homeowners' insurance in O'Fallon can protect you from potential lawsuits if someone is injured on your property. If a friend pays you a visit and slips on the floor, you will be held liable. If you do not have homeowners' insurance, you may be forced to liquidate your savings account and sell assets in order to pay for their compensation.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2024

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.