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2024

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Best Homeowners Insurance Agencies in Saint Joseph, MO

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Saint Joseph 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.

53Reviewed

35Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3849 Frederick Avenue, Saint Joseph, MO 64506

Expertise.com Rating

Review Sources

Facebook
5.0 (17)
Google
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Clear View Insurance Specialists is an insurance agency in Saint Joseph. It represents more than 20 trusted insurance carriers to provide high-quality policies that suit different types of budgets. The agents at this firm closely work with their clients to help ensure that the final insurance policy covers all risks and concerns. They can help homeowners protect their assets from insured events like fires, robberies, and non-resident injuries. This insurance firm also provides umbrella and renters insurance.

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

3715 Beck Road, Saint Joseph, MO 64506

Expertise.com Rating

Review Sources

Google
4.0 (4)
Facebook
5.0 (4)

Why choose this provider?

DeVoy-Baker Insurance is an independent insurance agency with offices in Saint Joseph and Brookfield. It offers a broad range of policy coverages, including homeowners, auto, life, and health insurance. The firm has been serving clients throughout Kansas and Missouri for nearly 30 years. DeVoy-Baker Insurance is partnered with various insurance carriers, including Missouri Employers Mutual, Progressive, Madison Mutual, and United Home. Additionally, umbrella insurance options are also available for clients who wish to get additional liability coverage on top of their traditional plans.

  • Homeowners

3110 Karnes Road, Saint Joseph, MO 64506

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (1)

Why choose this provider?

Alliance Ins Group is an insurance agency tied up with Progressive that provides insurance plans to clients in the Saint Joseph metro. The company offers homeowners' insurance plans that cover dwellings, personal properties, personal liability, and temporary living expenses for loss of property use. It is committed to delivering solutions that help the client save more so it offers homeowners' insurance plans that can be bundled with their existing automobile insurance plans.

  • Multiple Policy Types

1004 South Belt Highway, Saint Joseph, MO 64507

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Buchanan County Mutual Insurance Co. serves clients in Saint Joseph. The business has been serving the community since 1902, providing homeowners, auto, and agricultural insurance. Its homeowners' insurance policy helps clients protect their property and personal belongings in cases of damage from natural disasters or accidents. One of its agents, Deanne Lofts, has been in the company since 1987, providing renters, mobile homes, farm, and boat insurance. Lofts has also worked with several companies, including Progressive and Grinnell Mutual Insurance.

  • Homeowners

612 South Woodbine Road, Saint Joseph, MO 64507

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

White, Grego & White Insurance is an insurance agency that serves individuals and businesses in Saint Joseph and surrounding areas. The company helps homeowners protect their homes against fire, hail, wind, theft, vandalism, or flood with an insurance policy. The homeowners' policy generally covers the structures and personal possessions inside the home. It can also include protection against liability in the event of a guest getting injured while on the property. White, Grego & White Insurance represents multiple carriers to provide clients a wide range of insurance options.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

401 North 13th Street, Saint Joseph, MO 64501

Expertise.com Rating

Review Sources

Google
4.3 (6)
Facebook
4.5 (4)

Why choose this provider?

St. Joseph Consolidated Insurance Services Inc. offers several options for homeowners insurance plans and informs clients of their options and recommended coverage. It sells coverage for personal property, housing structures, and additional structures on properties such as sheds and pool houses. These insurance plans also offer personal liability protections in case anyone is injured on a client's property. St. Joseph Consolidated Insurance Services Inc. provides renters insurance options as well. Automobile insurance is available.

  • Earthquake
  • Condos
  • Renter's Insurance

3603 Woodlawn Terrace, Saint Joseph, MO 64506

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Randy Wagers Insurance Agency sells home insurance in Saint Joseph and guides clients through the purchase process while answering questions they have about coverage, price, and replacement cost. This agency offers guaranteed and extended replacement cost coverage options as well as the option of an inflation guard clause. It assists clients with purchasing sufficient coverage for the replacement costs of their personal items. Randy Wagers Insurance Agency insures mobile homes and condos too, and it offers landlord insurance and renters insurance.

  • Fire
  • Multiple Policy Types
  • Flood

3510 Messanie Street, Saint Joseph, MO 64507

Expertise.com Rating

Review Sources

Google
4.6 (53)
Facebook
5.0 (9)

Why choose this provider?

Gina Conaway, State Farm Insurance Agent, serves the Saint Joseph metro area and helps clients to deal with homeowners insurance shopping and related needs. Agent Gina Conaway and her team evaluate properties and personal items to give clients reasonable quotes about what it will cost to insure their properties. It consults them when they need to make any claims and helps them to formally make said claims. Gina Conaway, State Farm Insurance Agent, sells life insurance too.

  • Multiple Policy Types

3110 Karnes Rd Suite 102, St. Joseph, MO 64506

Expertise.com Rating

Review Sources

Facebook
5.0 (15)
Google
4.8 (12)
Yelp
5.0 (1)

Why choose this provider?

Dusty Summers Agency is an Alliance Insurance agency that is based in Saint Joseph. It offers multiple policy plans to cover homeowners and their property for any damages caused by storms or other natural disasters. It works with different national insurance carriers like The Hartford, Metlife, America Modern, and Safeco Insurance. Its namesake, Dusty Summers, has worked in insurance since 2008. He and his staff compare different plans to help clients find what fits their house, concerns, and budget.

  • Fire
  • Multiple Policy Types
  • Flood

1802 Union Street, Saint Joseph, MO 64501

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

Tilton, Thomas, & Morgan sells homeowners insurance in Saint Joseph. Its experience dates back to 1924, and this agency takes each client through the process of purchasing coverage while informing them on the available policies. It sells coverage for the replacement costs of structures and any personal items inside of them as well as personal liability coverage. Tilton, Thomas, & Morgan offers renters insurance too. Insurance plans are also available for cars and motorcycles.

  • Fire
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Clear View Insurance Specialists
3849 Frederick Avenue, Saint Joseph, MO 64506
DeVoy-Baker Insurance
3715 Beck Road, Saint Joseph, MO 64506
Alliance Ins Group - Progressive
3110 Karnes Road, Saint Joseph, MO 64506
Buchanan County Mutual Insurance Co
1004 South Belt Highway, Saint Joseph, MO 64507
White, Grego & White Insurance
612 South Woodbine Road, Saint Joseph, MO 64507
St. Joseph Consolidated Insurance Services, Inc.
401 North 13th Street, Saint Joseph, MO 64501
Randy Wagers Insurance Agency
3603 Woodlawn Terrace, Saint Joseph, MO 64506
Gina Conaway - State Farm Insurance Agent
3510 Messanie Street, Saint Joseph, MO 64507
Dusty Summers Agency
3110 Karnes Rd Suite 102, St. Joseph, MO 64506
Tilton, Thomas & Morgan
1802 Union Street, Saint Joseph, MO 64501

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.
  • Can homeowner's insurance cover additional living expenses if there is a power outage in Saint Joseph during a winter storm?

    It depends. If you live elsewhere because your home suffered a winter storm-induced power outage but no physical damage, your insurer may refuse to pay for the additional living expenses. The coverage will only kick in if your home sustains physical damage as a result of the storm while Saint Joseph is without power.

  • How should you determine the coverage on your homeowners' insurance in Saint Joseph?

    Always consider how much your annual budget can afford when purchasing homeowners' insurance. Your annual premiums will be determined by the coverage you select, but choose the best coverage possible to avoid financial ruin if disaster strikes and your home is completely destroyed. Keep in mind that if you have a mortgaged home in Saint Joseph, your lender will determine the appropriate coverage for the loan amount.

  • What are some of the property hazards that homeowners in Saint Joseph face?

    Natural disasters that frequently strike Saint Joseph include severe storms and lightning strikes. Flooding is also a threat to homeowners, particularly in areas near the Missouri River and Contrary Creek. Tornadoes rip through the state on a sporadic basis, with an average of 30 occurring each year. Although the metro's property crime rate is lower than the national average, homeowners may suffer losses as a result of such threats.

  • Are your Saint Joseph household members covered by your homeowners' insurance for personal liability?

    Yes, the personal liability coverage on your Saint Joseph homeowners' insurance extends to the members of your household. Such coverage provides financial protection in the event that any of your family members is sued for property damage or bodily injury. Keep in mind that intentional acts will not be covered.

  • What should you do if your homeowners' insurance in Saint Joseph is not renewed?

    Apply quickly to multiple insurance providers so that you have sufficient time to select the optimal policy. In Missouri, the insurance market is competitive, so you may have several options. However, you can save time by asking the insurer if it accepts policyholders with recent claims, as the majority of insurers will reject such applicants. Attempt to obtain basic coverage from the Missouri Property Insurance Placement Facility (FAIRPLAN) if you continue to have insurability issues in Saint Joseph. You can also get homeowner's insurance on the surplus lines market, but it may cost more.

  • 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.

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