Best Homeowners Insurance Agencies in St. Louis

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Last updated: October 1, 2022

Affiliated Insurance Agencies

600 Emerson Rd Ste 107, Saint Louis, MO 63141

Renter's Insurance
Condos

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.

Bly Insurance Group

1750 S. Brentwood Blvd Suite 710, St. Louis, MO 63144

Renter's Insurance
Multiple Carriers
Personal Property Insurance

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.

Bret Dixon Insurance

403 S Prairie St, Bethalto, IL 62010

Renter's Insurance
Condos
Personal Property Insurance
Homeowners

Bret Dixon Insurance offers home insurance products to homeowners residing in the Saint Louis, Missouri, metro area and also does business in Illinois, Indiana, and Iowa. Incorporated in 1994, this independent insurance agency works with an array of national and leading insurance carriers to help its clients find the right home insurance. It also offers renters insurance and coverage for autos, motorcycles, and boats. In 2011, Bret Dixon Insurance earned the distinction of becoming a Trusted Choice Agency.

Charles Meyer Insurance

5516 Telegraph Road, St. Louis, MO 63129

Condos

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.

Five Star Insurance Agency Inc.

7141 Metropolitan Blvd Ste 103, Barnhart, MO 63012

Fire
Flood
Homeowners

Five Star Insurance Agency Inc. is an independent full-service insurance agency located in Barnhart, Missouri, serving homeowners in the greater St. Louis metro area and throughout the state of Missouri. With years of industry experience, owner Rodger Huff and company provide customized homeowners insurance policies designed to fit the client's requirements and budget. Five Star Insurance Agency offers structural and personal property damage coverage, injury liability, and medical expense coverage backed by top local and nationwide insurers.

Goetz Agency

4586 Telegraph Rd., St. Louis, MO 63129

Multiple Policy Types
Homeowners

Goetz Agency is an insurance company serving clients in St. Louis. It offers a broad range of products, including auto, term life, and homeowner's insurance for personal coverages and commercial property, contractors', and general liability insurance for businesses. It is an independent firm representing the top insurance companies in Illinois and Michigan, such as State Auto, Allied Insurance, National General, The Hartford, and Encompass. Its staff provides various options according to clients' risk protection needs.

Graves Insurance Group

10097 Manchester Road Suite 100, Saint Louis, MO 63122

Renter's Insurance
Condos
Earthquake
Flood

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.

Harnist Insurance Agency Inc.

700 E Main St, Belleville, IL 62220

Renter's Insurance
Condos
Personal Property Insurance

Harnist Insurance Agency Inc. is located in Saint Louis, Missouri, and serves residents in surrounding areas. Harnist's agents provide professional guidance to clients looking for home insurance. Offering plans from carriers such as Metlife, Progressive, and Travelers, the company allows both homeowners and renters to choose from policies that cover liability and loss from theft or natural disasters, such as storms, wind, and fire. Harnist Insurance Agency also offers commercial business, auto, life, health, and recreational vehicle insurance.

Heartland Insurance LLC

2451 Executive Drive Suite 200, St. Louis, MO 63303

Multiple Carriers
Multiple Policy Types
Homeowners

Heartland Insurance LLC is a brokerage firm that offers products and services in the St. Louis metro. It serves individuals and families who need assistance in obtaining homeowners' insurance. The independent company provides customized coverages to protect clients from financial losses caused by lost items and property damages. Its specialists also handle life, health, auto, and business insurance. They work with various insurance carriers like Liberty Mutual and The Hartford. Heartland Insurance brings an average of over 25 years of industry experience.

Insurance Advisors of Saint Louis

8050 Watson Rd Ste 190, Saint Louis, MO 63119

Renter's Insurance
Earthquake
Multiple Carriers
Homeowners

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.

Insurance Source Inc

4111 Telegraph Rd Suite 200, Saint Louis, MO 63129

Multiple Policy Types

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.

Jason Foust

4601 Hampton Avenue, Saint Louis, MO 63109

Multiple Policy Types

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.

Justin Foust

5757 Chippewa Street, Saint Louis, MO 63109

Renter's Insurance
Homeowners

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.

Klein-Merwin-Karrer & Associates,Inc.

10041 Bunkum Rd, Fairview Heights, IL 62208

Flood
Personal Property Insurance
Homeowners

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.

Koury Insurance Agency

11039 Manchester Rd, Kirkwood, MO 63122

Condos

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.

Kreismann Bayer

652 N New Ballas Rd, Saint Louis, MO 63141

Fire
Homeowners

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.

LP Miceli Incorporated

3470 Hampton Ave # 106, St. Louis, MO 63139

Renter's Insurance
Personal Property Insurance
Homeowners

LP Miceli Incorporated provides a range of personal lines of insurance in the St. Louis metro and nearby areas. It caters to individuals and families who want to acquire homeowners' insurance. The company offers personal property, family or personal liability, loss of use, medical expense, and dwelling coverages. Its specialists also help clients obtain auto, life, health, umbrella, and flood insurance. LP Miceli Incorporated is an independent agency that has been in the insurance industry since 1970.

McNeil Insurance Group

St. Louis, MO

Personal Property Insurance

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.

Melissa Carlton

8330 Watson Rd. Ste. 101, Saint Louis, MO 63119

Renter's Insurance
Multiple Policy Types
Homeowners

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.

Midwest Risk Partners

12647 Olive Boulevard, Suite 400, St. Louis, MO 63141

Renter's Insurance
Condos

Midwest Risk Partners is an independent insurance agency that operates in St. Louis. It can compare the rates and estimates of homeowners' insurance plans from multiple carriers, such as Foremost and The Hartford. The agency's team of risk advisors and account managers can teach first-time clients about possible risks to their house. This includes the possibility of fires, theft, and medical liabilities. The agency can then customize these plans to remove or add coverages to fit each client's house and budget plan.

Miller & Miller Insurance Agency

4615 S Lindbergh Blvd, St Louis, MO 63127

Multiple Carriers
Multiple Policy Types

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.

MJM Insurance

1653 Larkin Williams Rd Ste 203, Fenton, MO 63026

Fire
Flood
Multiple Carriers
Homeowners

MJM Insurance is a full-service independent insurance agency based in Fenton, Missouri, serving personal and business clients throughout the St. Louis metro area since 2002. Its unbiased advisors talk clients through mandatory and recommended home insurance coverage, helping them understand the benefits of specific add-ons and how to lower their premiums. The advisors find competing policies from the agency's insurance partners and negotiate a price. Typical homeowner insurance should cover structural damage, loss of personal belongings, and personal liability.

Nathan Brekel Premier Insurance

11400 Concord Village Ave, Saint Louis, MO 63123

Renter's Insurance
Multiple Carriers
Homeowners

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.

O'Connor Insurance

12101 Olive Blvd., St. Louis, MO 63141

Condos
Flood
Multiple Carriers
Multiple Policy Types
Homeowners

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.

Powers Insurance & Risk Management

6825 Clayton Avenue, St. Louis, MO 63139

Personal Property Insurance

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.

Risinger Insurance Agency

330 Jungermann Rd Unit B, Saint Peters, MO 63376

Renter's Insurance
Condos
Earthquake
Personal Property Insurance
Homeowners
Landlords

Risinger Insurance Agency is an independent company located in Saint Peters, Missouri. Since 1953, it has served customers throughout Saint Louis and Saint Charles counties. Its insurance products are backed by over 30 underwriters, including Allianz, Nationwide, and Prudential. It offers homeowners insurance against a wide array of circumstances, including fire, hail, lightning, windstorm, and vehicle collision with structures. Personal property, liability, and optional flood and earthquake coverage are also available.

Spectrum

6893 Lake Saint Louis Blvd., Lake Saint Louis, MO 63367

Renter's Insurance
Homeowners

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.

STL Insurance Stop

10345 Page Ave., Overland, MO 63132

Renter's Insurance
Homeowners

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.

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Frequently Asked Questions

Q: How much homeowners\' insurance should someone carry?

A: 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.

Q: What should a homeowners\' insurance include/cover?

A: 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.

Q: How frequent should one change auto or homeowners\' insurance to another provider?

A: 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.

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