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Best Homeowners Insurance Agencies in O'Fallon

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Acceptance Insurance logo
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Acceptance Insurance

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

Business Description

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
Facebook
4.5 / 5 (24)
Yelp
1.0 / 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
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Detail
Andrew Broombaugh - State Farm Insurance Agent logo
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Andrew Broombaugh - State Farm Insurance Agent

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

Business Description

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
Insurance Consultants Inc. logo
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Insurance Consultants Inc.

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

Business Description

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mid America Insurance Services, LLC logo
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Mid America Insurance Services, LLC

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Mid Rivers Insurance Group logo
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Mid Rivers Insurance Group

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

Business Description

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.
4.6
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mid-America Specialty Markets logo
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Mid-America Specialty Markets

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

Business Description

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
Parker Insurance Group logo
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Parker Insurance Group

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

Business Description

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.
4.7
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
Powers Insurance & Risk Management logo
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Powers Insurance & Risk Management

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

Business Description

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
Facebook
4.5 / 5 (57)

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
Senn Insurance Agency logo
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Senn Insurance Agency

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

Business Description

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)

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
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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.

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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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