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Best Homeowners Insurance Agencies in O'Fallon

2024

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Website
6825 Clayton Avenue, St. Louis, MO 63139
  • Multiple Carriers
  • Multiple Policy Types

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2429 State Highway K, O'Fallon, MO 63368
  • Multiple Policy Types

Why choose this provider?

Mid Rivers Insurance Group is a firm that provides assistance to homeowners in the O'Fallon area that seek to obtain coverage for their properties in the event of unpredictable situations. Headed by Mike Jamison, the agency helps clients identify insurance policies that fit their needs such as repairs for weather damages. Mid Rivers Insurance Group also helps identify coverage options for exterior structures, specialty items, personal belongings, and temporary living arrangements. The firm additionally covers insurance support for renters and businesses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (59)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
762 Lemay Ferry Road, St. Louis, MO 63125
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4600 West Main Street, Belleville, IL 62226
  • Personal Property Insurance
  • Multiple Policy Types

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6400 Wise Avenue, St. Louis, MO 63139
  • Renter's Insurance
  • Personal Property Insurance
  • Condos

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (133)
Facebook
4.6 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2017 State Highway K, O'Fallon, MO 63366
  • Fire
  • Multiple Policy Types

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1656 Bryan Road, O'Fallon, MO 63368
  • Multiple Policy Types
  • Renter's Insurance
  • Fire
  • Condos

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
124 Triad Center West, O'Fallon, MO 63366
  • Fire
  • Multiple Policy Types

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (14)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
427 West Terra Lane, O'Fallon, MO 63366
  • Condos
  • Multiple Policy Types

Why choose this provider?

Insurance Consultants Inc. is a full-service insurance agency serving the insurance needs of its clients through its office in O'Fallon. The agency offers a wide variety of insurance policies, including homeowners' insurance. Its homeowners' insurance protects the homes and personal belongings of its clients from unexpected events, including fire, smoke, vandalism, and theft. The agency's insurance professionals can discuss the estimated replacement cost of its clients' properties to determine the most suitable homeowners' insurance policy for them.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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 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.

  • 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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