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HomeHome Insurance AgentsMissouri › St Charles

Find Home Insurance Agents Near You in St Charles, MO

Browse home insurance agents serving St Charles, Missouri. Updated 2026-07-14.

The top-rated home insurance agent in St Charles, Missouri is Zach Plackemeier - State Farm Insurance Agent, rated 4.9 stars across 585 reviews. Other highly rated options include Lang Insurance, Ben Rister - State Farm Insurance Agent, Kevin Pierce - State Farm Insurance Agent. This directory lists 24 home insurance agents serving St Charles.

Showing 24 home insurance agents in St Charles, MOListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Zach Plackemeier - State Farm Insurance Agent1060 Country Club Rd Suite 100(314) 921-7900
2Lang Insurance3920 Old Hwy 94 S Suite 39(636) 229-7000
3Ben Rister - State Farm Insurance Agent519 Madison St(636) 947-6226
4Kevin Pierce - State Farm Insurance Agent210 S 2nd St(636) 949-2244
5All Insurance No Fees4620 S St Peters Pkwy(636) 441-9100
6HSGW Insurance100 S Main St(636) 946-2266
7Select Insurance Group4638 S St Peters Pkwy(855) 438-7353
8Meadow Park Insurance Agency1000 Fairgrounds Rd #202(636) 757-9529
9PETROV INSURANCE AGENCY LLC2480 Executive Dr # 103(636) 628-2666
10Webb Insurance571 Jefferson St(636) 946-0001
ZP
1060 Country Club Rd Suite 100
Zach Plackemeier - State Farm Insurance Agent
Home Insurance Agent · St Charles, MO

Zach Plackemeier - State Farm Insurance Agent serves the St Charles, Missouri area with home insurance coverage. The agency helps local homeowners protect their properties against common risks such as fire, theft, and weather-related damage. A home insurance agent in this region typically works with clients to understand their specific dwelling and personal property needs. The office also assists with liability protection for accidents on the property and offers renters insurance for those leasing homes in the St Charles area.

LI
3920 Old Hwy 94 S Suite 39
Lang Insurance
Home Insurance Agent · St Charles, MO

Lang Insurance provides a full range of home insurance services for residents in the St Charles, MO area, including coverage for structure, personal property, and liability. Its agents assist homeowners in developing comprehensive protection plans tailored to individual property needs, and they offer guidance on routine policy maintenance and adjustments. The company issues policies designed to safeguard single-family homes, apartments, retail properties, and local restaurants.

BR
519 Madison St
Ben Rister - State Farm Insurance Agent
Home Insurance Agent · St Charles, MO

Ben Rister - State Farm Insurance Agent in St Charles, MO, provides home insurance to homeowners, property managers, and real estate investors throughout the area. The agency helps customers protect their houses and personal belongings from common risks like fire, theft, and weather damage. Policies are tailored to meet individual coverage needs, including liability protection and additional living expenses if a home becomes uninhabitable. The office also serves clients in nearby communities such as O'Fallon, giving residents of the greater metro convenient access to local insurance guidance.

KP
210 S 2nd St
Kevin Pierce - State Farm Insurance Agent
Home Insurance Agent · St Charles, MO

Kevin Pierce, operating as a State Farm Insurance Agent, serves St. Charles, MO, and the surrounding communities with comprehensive home insurance policies. The agency handles standard property coverage, liability protection, and additional personal asset safeguards. Its typical approach involves assessing each client’s specific property risks, then tailoring a policy that balances adequate protection with manageable costs. The office works through a straightforward consultation process, helping homeowners understand their deductibles and coverage limits before finalizing a plan.

AI
4620 S St Peters Pkwy
All Insurance No Fees
Home Insurance Agent · St Charles, MO

All Insurance No Fees in St Charles, MO offers homeowners the choice between a single-policy purchase for immediate property protection and a recurring service plan for ongoing coverage adjustments. Their agents evaluate dwelling replacement costs, personal property valuation, and liability exposures to tailor a policy that fits local risks like severe storms. Additional endorsements for water backup or identity theft can be included as needed. Service for policy reviews and changes runs on an as-needed basis rather than a fixed schedule.

HI
100 S Main St
HSGW Insurance
Home Insurance Agent · St Charles, MO

As winter storms put St. Charles homes at risk of wind and ice damage, HSGW Insurance helps local homeowners review their current coverage. They assess structural protections and liability limits for policies tailored to standard regional homes and condos. Listening to each homeowner’s concerns about mold, hail, or water backup ensures the agent can recommend appropriate endorsements. A straightforward property inspection or a walk-through with the homeowner commonly marks the beginning of that personalized insurance assessment.

SI
4638 S St Peters Pkwy
Select Insurance Group
Home Insurance Agent · St Charles, MO

Select Insurance Group provides specialized home insurance services for historic properties and new constructions in the St Charles area, combining standard protection with market-specific advice. The agency serves clients by explaining policy options, comparing deductible choices, and connecting customers to multiple carriers for tailored coverage. It helps homeowners review liability limits and personal property endorsements for complete protection. During peak storm seasons, this local agent assists households in evaluating flood coverage and windstorm deductibles to secure appropriate financial safeguards.

MP
1000 Fairgrounds Rd #202
Meadow Park Insurance Agency
Home Insurance Agent · St Charles, MO

Meadow Park Insurance Agency works with home and property owners in St Charles, MO to help them protect their homes and personal belongings through suitable insurance policies. These policies can be enhanced with specific add-ons including coverage for expensive jewelry, fine art, collectibles, and other high-value personal items. The agency also addresses liability risks that may arise from an owned dwelling. Its commercial insurance offerings extend to local businesses such as offices, warehouses, and food service establishments.

PI
2480 Executive Dr # 103
PETROV INSURANCE AGENCY LLC
Home Insurance Agent · St Charles, MO

PETROV INSURANCE AGENCY LLC in St Charles, MO is known for providing home insurance agent services to local homeowners. Its service range includes helping clients evaluate dwelling coverage, personal property protection, and liability options for their residences. The agency assists with standard policies tailored to the St Charles area. For an additional specialty, it can add on flood insurance coverage to a standard home policy.

WI
571 Jefferson St
Webb Insurance
Home Insurance Agent · St Charles, MO

Webb Insurance provides home insurance agent services for residential properties in St Charles, MO, helping homeowners protect their dwellings and personal belongings. The agency also addresses commercial coverage needs for local business owners. Serving clients throughout the St Charles area, the company assists with policy selection and claims support. After each initial policy setup or claim resolution, the agency arranges follow-up or repeat service between regular visits to ensure ongoing coverage adjustments as client circumstances change.

HI
2451 Executive Dr # 200
Heartland Insurance LLC
Home Insurance Agent · St Charles, MO
(636) 477-8700
mhjinsurance.com/heartland
LI
2362 Hwy 94 South Outer Rd Upper
Leach Insurance Agency
Home Insurance Agent · St Charles, MO
(636) 939-9222
leachinsuranceagency.com
NI
3225-I Domain St
Nieroda Insurance Agency
Home Insurance Agent · St Charles, MO
(636) 255-0550
nierodains.com
MC
1501 N 2nd St
Michael Cassara: Allstate Insurance
Home Insurance Agent · St Charles, MO
(314) 266-1923
agents.allstate.com/michael-cassara-saint-charles-mo.html
LA
1112 1st Capitol Dr
Lindenwood Agency Inc
Home Insurance Agent · St Charles, MO
(636) 946-6133
lindenwoodagency.net
FI
2248 Bluestone Dr
Farmers Insurance - Gary Lung
Home Insurance Agent · St Charles, MO
(636) 441-1897
agents.farmers.com/mo/saint-charles/gary-lung
AI
821 Madison St
Alexander Insurance Agency
Home Insurance Agent · St Charles, MO
(636) 949-9525
alexins.com
GI
117 Jefferson St #35
Goosehead Insurance - Sam Tucker
Home Insurance Agent · St Charles, MO
(636) 728-9798
goosehead.com/agents/mo/saint-charles/sam-tucker
CS
1819 Zumbehl Rd
Craig Sengl Agency Inc American Family Insurance
Home Insurance Agent · St Charles, MO
(636) 946-0028
amfam.com/agents/missouri/saint-charles/Craig-Sengl
SI
1 Westbury Dr
Shelter Insurance - Luke Bryson
Home Insurance Agent · St Charles, MO
(636) 946-3322
shelterinsurance.com/CA/agent/LUKEBRYSON
EI
2510 Old MO-94
Elite Insurance Agency MO
Home Insurance Agent · St Charles, MO
(636) 200-2780
AI
5342B State Rte N
Atchison Insurance Agency
Home Insurance Agent · St Charles, MO
(636) 441-2440
atchisonins.com
MI
1555 Kisker Rd
Midwest Insurance
Home Insurance Agent · St Charles, MO
(314) 569-1010
midwestinsurance.com
AI
1480 Woodstone Dr # 120
Ahl Insurance
Home Insurance Agent · St Charles, MO
(636) 928-9876
ahlinsuranceagency.com

What Does a a Home Insurance Agent in St Charles Cost?

Typical home insurance costs in Missouri range from 800 to 1500 dollars per year for a standard policy. Factors like home age, location in St Charles, and coverage limits affect your premium. Flood insurance costs extra and varies by flood zone. This is general information and not insurance advice.

About home insurance agents in St Charles

Home insurance agents in St Charles Missouri help you find coverage that protects your home and belongings. Missouri law requires insurers to offer replacement cost coverage on dwelling policies. Local agents understand the specific risks for homes near the Missouri River and can guide you on flood insurance needs.

Frequently Asked Questions

What does a home insurance agent in St Charles do?

A home insurance agent helps you compare policies from different carriers to find coverage that fits your needs. They explain policy terms and assist with claims. Agents in St Charles know local building costs and weather risks.

Do I need flood insurance for my home in St Charles Missouri?

Standard home insurance policies do not cover flood damage. Many homes in St Charles near the Missouri River or in flood zones require separate flood insurance. Your agent can help you determine if flood insurance is needed for your property.

How does Missouri law affect my home insurance policy?

Missouri law requires insurers to offer replacement cost coverage for dwelling policies. The state also has a 10 day grace period for late premium payments. Your agent can explain how these laws apply to your specific policy.

Home Insurance Agents in Other Missouri Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each home insurance agent's credentials and current standing with your state Department of Insurance.