Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in St. Louis

Our Recommended Top 19

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 St. Louis 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.

219Reviewed

139Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
6825 Clayton Avenue, St. Louis, MO 63139
  • Personal Property Insurance

Why choose this provider?

Powers Insurance & Risk Management is a St. Louis-based homeowners insurance agency providing various types of insurance to individuals and commercial clients. The agency offers personal insurance policies, such as life and homeowners plans, while commercial clients may avail of its risk management services and business coverages. The agency also provides insurance to high-value individuals and assets, and its risk management services are available for businesses in emerging markets, as well. The company is a proud affiliate of SIAA-VIAA and other insurance-related associations.

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 (161)
Facebook
5.0 / 5 (13)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4615 S Lindbergh Blvd, St Louis, MO 63127
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Miller & Miller Insurance Agency is a family-owned business in St. Louis that has been serving the local community since 1952. The agency offers home insurance policies that provide coverage for theft and damage from explosions and natural disasters like fire, hail, and lightning. A replacement cost policy that pays for the repair of damaged property is also available. It also offers inflation guards, liability coverage, protection for expensive items, and reimbursement of additional living expenses after a disaster.

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.
4.1
Google
4.1 / 5 (7)

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
5757 Chippewa Street, Saint Louis, MO 63109
  • Renter's Insurance
  • Homeowners

Why choose this provider?

Justin Foust is a full-service insurance agent with State Farm who serves individuals, families, and businesses in St. Louis and its neighboring communities. He has been with the company since 2012, helping clients with purchasing insurance products that fit their needs. Foust and his team also help homeowners protect their homes and everything in it, as well as keep their property covered from damages and accidents through comprehensive homeowners' insurance policies. Faust also offers auto, property, and life 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.
4.9
Google
4.9 / 5 (200)
Facebook
5.0 / 5 (56)
Yelp
4.2 / 5 (5)

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
12101 Olive Blvd., St. Louis, MO 63141
  • Condos
  • Flood
  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

O'Connor Insurance serves the homeowners' insurance needs of customers in St. Louis. It helps clients in protecting their homes and personal belongings from a variety of risks, such as vandalism, fire, and theft. The independent insurance agency was founded by Robert O'Connor in 1975. Her daughter, Karen O'Connor Corrigan, joined the agency in 1985, and she currently serves as the sole owner and president. She also serves as an instructor for professional property managers and volunteer community leaders on risk management and best practices.

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
4.5 / 5 (34)
Facebook
5.0 / 5 (18)
Yelp
3.0 / 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

Website
4601 Hampton Avenue, Saint Louis, MO 63109
  • Multiple Policy Types

Why choose this provider?

Jason Foust is an insurance specialist serving individuals and families in St. Louis. He has been working for State Farm since 2019, addressing his clients' insurance and financial needs. Foust offers homeowners', auto, life, health, pet, and business insurance. He customizes the policy based on the client's situation and requirements, such as coverage for their properties, belongings, and liabilities. His additional options include assistance with banking and annuities. Foust serves as a member of the Saint Charles First Capitol Lions Club.

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
4.9 / 5 (32)
Facebook
5.0 / 5 (8)
Yelp
3.0 / 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

Website
10041 Bunkum Rd, Fairview Heights, IL 62208
  • Flood
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

Klein-Merwin-Karrer & Associates Inc. is a home insurance agency serving the residents of Saint Louis, Missouri, and its employees have a combined experience of over 100 years. The company represents providers, such as Progressive, National General Insurance, and Columbia Insurance Group, to offer its clients many options while looking for coverage. It sells homeowners and renters insurance, which covers damage to the home, stolen possessions, and liability. Klein-Merwin-Karrer & Associates also sells business and umbrella 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.
4.6
Google
4.6 / 5 (24)

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
5516 Telegraph Road, St. Louis, MO 63129
  • Condos

Why choose this provider?

Established in 1972, Charles Meyer Insurance serves clients in the St. Louis area. The company represents Travelers, Safeco Insurance, Progressive, and Nationwide. Owner Christine Meyer Blood has been working at the agency since 1988. She and her team help clients protect their assets by providing homeowners', renters', condo, and personal property insurance solutions. They also offer life, auto, motorcycle, boat, and business insurance. Charles Meyer Insurance has also assisted the Lemay Housing Partnership in obtaining a $15,000 grant from Safeco.

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 (83)
Facebook
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

Website
652 N New Ballas Rd, Saint Louis, MO 63141
  • Fire
  • Homeowners

Why choose this provider?

Kreismann Bayer is an insurance agency that has been offering auto, high net worth, disability, life, and home insurance in St. Louis since 1894. It customizes insurance products to protect the valuable assets of commercial and residential clients according to their needs. Kreismann Bayer also provides specialty dwelling, flood, recreational vehicle, umbrella, health, and business insurance. The agency founder, Frederick Kreismann, once started as a clerk in German Mutual Fire Insurance Company of St Louis.

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 (15)
Facebook
5.0 / 5 (11)

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
4111 Telegraph Rd Suite 200, Saint Louis, MO 63129
  • Multiple Policy Types

Why choose this provider?

Insurance Source, Inc., is a local independent agency that serves residential and commercial clients in St. Louis, and its nearby areas. It provides various lines of homeowners' insurance, including renters' policies, and coverage for secondary, vacant, and out-of-state properties. Its personal insurance options extend to auto and life. It also offers business solutions, such as property and general liability insurance, and workers' compensation. The team comprises 30 brokers whose specializations cover a variety of industries.

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
4.6 / 5 (14)
Facebook
4.6 / 5 (14)
Yelp
1.0 / 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

Website
10345 Page Ave., Overland, MO 63132
  • Renter's Insurance
  • Homeowners

Why choose this provider?

STL Insurance Stop offers a variety of insurance policies to clients in St. Louis and the surrounding areas. The firm is affiliated with numerous companies like Progressive and The Hartford in providing personalized insurance solutions to homeowners' needs. Its policies cover structural repairs for damages caused by fire, hurricanes, and explosions and protect clients against lawsuits and claims for accidents that occurred on their property. STL Insurance Stop also handles coverages for non-owners and renters.

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.
4.1
Google
4.8 / 5 (24)

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
600 Emerson Rd Ste 107, Saint Louis, MO 63141
  • Renter's Insurance
  • Condos

Why choose this provider?

Affiliate Insurance Agencies was established in 1962, and has since been offering the residents of Saint Louis, Missouri a wide range of personal and commercial insurance options. Its home insurance policies cover personal liability, as well as loss or damage to the property and its contents in the event of a fire, natural disaster, or theft. Affiliate Insurance Agencies also offers auto and life insurance, and is a Trusted Choice independent insurance agent.

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.
4.3
Google
4.3 / 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

Website
St. Louis, MO
  • Personal Property Insurance

Why choose this provider?

McNeil Insurance Group serves families and businesses in St. Louis and the surrounding areas. It offers various personal lines of coverage, including life, auto, recreational vehicle, and homeowners' insurance. It also handles business insurance policies that include product liability, vehicle, errors and omissions, home-based business, and property coverage. Policy owners have the option to bundle their home, business, and auto coverage. The agency works with over 20 insurance companies to provide clients with a suitable coverage that meets their needs.

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 (19)

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
11039 Manchester Rd, Kirkwood, MO 63122
  • Condos

Why choose this provider?

Koury Insurance Agency is a financial security company that serves the needs of residents and business establishments throughout the St. Louis metro. It helps protect clients from unexpected situations by offering homeowners' insurance, automotive policies, and life plans. Its team understands the needs of individuals and aims to assist their transition by taking time to listen to them before finding a policy that fits their particular needs. It also walks clients through the insurance process and focuses on protecting their privacy.

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.
4.2
Google
4.4 / 5 (13)

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
6893 Lake Saint Louis Blvd., Lake Saint Louis, MO 63367
  • Renter's Insurance
  • Homeowners

Why choose this provider?

Spectrum is an independent insurance agency serving the St. Louis area. It offers a homeowners' insurance plan that consists of different types of protection, including medical, dwelling, personal property, and personal liability. The agency also offers auto, life, health, and business insurance plans. Founder Alissa Moore has been an insurance professional since 1999 and has worked as a captive agent for a Fortune 100 insurance company before establishing her own firm. She was also recognized as a McDonald's Outstanding Woman in the Community awardee in 2012.

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 (106)
Facebook
4.9 / 5 (40)

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
8050 Watson Rd Ste 190, Saint Louis, MO 63119
  • Renter's Insurance
  • Earthquake
  • Multiple Carriers
  • Homeowners

Why choose this provider?

Insurance Advisors of Saint Louis is an independent insurance agency that has been serving homeowners in the Saint Louis, Missouri, metro area since 1966. The company works with local and national insurance companies to help customers find their ideal policy to cover personal liability, contents lost due to robberies, and damage to their homes and outside structures caused by fire, wind, hail, and thunderstorms. Insurance Advisors of Saint Louis also offers business, auto, boat, motorcycle, business, and health 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.
4.3
Google
4.3 / 5 (6)
Facebook
4.2 / 5 (5)

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
8330 Watson Rd. Ste. 101, Saint Louis, MO 63119
  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Melissa Carlton is an insurance agent who serves clients in the St. Louis area. She offers a range of homeowners' insurance policies to help customers protect their homes and personal properties from catastrophe or disasters. She also provides risk protection plans for business properties, health, mutual funds, and annuities. Melissa and her team are committed to giving efficient services by initiating proactive interactions and by being available for clients at all times to answer queries and concerns.

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 (407)
Facebook
5.0 / 5 (257)
Yelp
5.0 / 5 (5)

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
10097 Manchester Road Suite 100, Saint Louis, MO 63122
  • Renter's Insurance
  • Condos
  • Earthquake
  • Flood

Why choose this provider?

Graves Insurance Group is a locally owned and operated business serving the St. Louis metro. It provides a range of personal plans, including homeowners' insurance policies. The full-service company offers personal or family liability, personal property, dwelling, loss of use, and medical expense coverages to protect policyholders from financial losses caused by theft, vandalism, and fire. Its team also helps clients obtain flood, earthquake, life, and health insurance. Graves Insurance Group has been providing financial protection since 2008.

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
5.0 / 5 (39)
Facebook
5.0 / 5 (19)
Yelp
3.0 / 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

Website
11400 Concord Village Ave, Saint Louis, MO 63123
  • Renter's Insurance
  • Multiple Carriers
  • Homeowners

Why choose this provider?

Founded in 1994, Nathan Brekel Premier Insurance is a family-owned, independent insurance agency located in Saint Louis, Missouri. Home coverage specialists work with over 60 carriers, such as Progressive, Safeco Insurance, and Nationwide, to fit their clients' protection needs at competitive rates. Home policies cover four incidents, which include interior and exterior damage, loss or damage to personal items, and liability for on-site injuries. Other options include renters, tenant dwelling, auto, and business 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 (16)
Facebook
5.0 / 5 (10)

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
1750 S. Brentwood Blvd Suite 710, St. Louis, MO 63144
  • Renter's Insurance
  • Multiple Carriers
  • Personal Property Insurance

Why choose this provider?

Bly Insurance Group is a brokerage firm serving the people of St. Louis. The company offers coverage plans to individuals and families to secure their valuable assets, especially their homes. The homeowners’ policy underwrites the repair or replacement costs for damage to the property’s structure and contents. There are also protection plans designed for apartment complexes. The firm represents over 40 insurance companies to meet the demands of clients. Some of its partner carriers are MetLife, The Hartford, Chubb, and AllState.

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 (26)

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

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.
  • What can you do if your homeowners' insurance premiums in St. Louis increase?

    If you have the time, look for another insurer in St. Louis. However, insurance companies typically send out renewal notifications 30 days before the expiry date, which may not be enough time for you to find a suitable one. If the deadline is approaching, you can work with your insurer until you make a final decision. If your homeowners' insurance premiums have doubled over the last year, contact the Insurance Consumer Hotline at 800-726-7390.

  • Do you need homeowner's insurance to apply for the Healthy Home Repair Program offered by the City of St. Louis?

    Yes, having homeowners insurance is one of the requirements for approval. Other requirements include having lived in the St. Louis home for at least two years and being current on the mortgage and taxes. The Healthy Home Repair Program assists low- and moderate-income households in the metro area. For more information on the program, call (314) 657-3700. Its headquarters are located at 1520 Market, Suite 2000, St. Louis, Missouri 63103.

  • Can you be covered with homeowner's insurance in St. Louis if your basement was flooded due to heavy rain?

    Standard homeowner's insurance policies typically do not cover flood damage. You have to buy a separate policy or get an add-on to your homeowner's insurance in St. Louis. Flood insurance provides financial coverage for content and structure damage in the event of excess water brought about by spring thaw, heavy rains, storms, and backup sewer.

  • How can additional living expense coverage in an insurance policy help a homeowner in St. Louis?

    Additional living expense coverage provides financial benefits to homeowners who are unable to live in their homes temporarily due to an event covered by the policy. Rental fees, hotel costs, restaurant bills, and pet boarding fees are all possible expenses that may be covered. Vandalism, theft, fire, and explosions are some of the events covered by standard homeowners' insurance policies in St. Louis.

  • Do insurers consider a St. Louis homeowner's credit score when determining insurance rates?

    Depending on the insurer. Some insurance companies rely solely on credit scores to establish premiums. Others utilize the credit information alongside rating factors such as the claims history. Check with a number of St. Louis-based insurance providers to find the best rate. Note that a Missouri statute prohibits insurance companies from using credit scores as the sole criterion for accepting or rejecting a homeowner's insurance application.

  • 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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