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Best Homeowners Insurance Agencies in Ofallon

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Alternatives Insurance Agency logo
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Alternatives Insurance Agency

887 Bogler Court, Fenton, MO 63026
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

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.

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 (12)

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
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Insurance Consultants Inc. logo
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Insurance Consultants Inc.

427 W Terra Ln, O'Fallon, MO 63366
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  • Multiple Policy Types
  • Personal Property Insurance

Business Description

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.

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jay Maitland - State Farm Insurance Agent logo
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Jay Maitland - State Farm Insurance Agent

3449 Pheasant Meadow Drive, O'Fallon, MO 63368
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  • Multiple Policy Types

Business Description

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.

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.
4.4
Google
4.5 / 5 (24)
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
Jeff Hug - Insurance Broker logo
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Jeff Hug - Insurance Broker

1068 Bryan Road, O'Fallon, MO 63366
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Condos

Business Description

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.

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.
4.0

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
Kathy Kilo Peterson - State Farm Insurance Agent logo
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Kathy Kilo Peterson - State Farm Insurance Agent

2342 Technology Drive, O'Fallon, MO 63368
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  • Multiple Policy Types

Business Description

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.

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.
4.9
Google
4.9 / 5 (63)
Yelp
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
Mid Rivers Insurance logo
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Mid Rivers Insurance

2429 State Highway K, O'Fallon, MO 63368
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

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.

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 (4)

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 W, O'Fallon, MO 63366
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  • Multiple Policy Types

Business Description

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.

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
5.0 / 5 (30)
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
Tom Wehde - State Farm Insurance Agent logo
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Tom Wehde - State Farm Insurance Agent

1120 Technology Drive, O'Fallon, MO 63368
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  • Multiple Policy Types

Business Description

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.

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 (6)

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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