The top-rated landlord insurance agent in Chesterfield, Missouri is Kevin Stengel - State Farm Insurance Agent, rated 5.0 stars across 628 reviews. Other highly rated options include Ben Rister - State Farm Insurance Agent, Weiss Insurance Agency, Bess Agency & Associates Inc American Family Insurance. This directory lists 19 landlord insurance agents serving Chesterfield.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Kevin Stengel - State Farm Insurance Agent | 36 Clarkson Wilson Center | (636) 532-5544 |
| 2 | Ben Rister - State Farm Insurance Agent | 14159 Clayton Rd | (636) 227-2010 |
| 3 | Weiss Insurance Agency | 683 Trade Center Blvd #100 | (636) 306-5526 |
| 4 | Bess Agency & Associates Inc American Family Insurance | 14500 S Outer Forty Rd # 205 | (314) 275-8500 |
| 5 | Thomas Insurance Advisors, LLC | 632 B Trade Center Blvd | (636) 536-2229 |
| 6 | The ICON Group | 500 Chesterfield Center Suite 110 | (636) 534-7204 |
| 7 | Azteca Insurance LLC | 500 Chesterfield Center Suite 110 | (314) 940-4954 |
| 8 | Hebbeln Insurance | 744 H, 744 Spirit of Saint Louis Blvd | (636) 519-0059 |
| 9 | First Community Insurance Agency | 17107 Chesterfield Airport Rd Suite 200 | (636) 978-6620 |
| 10 | Insurance Store Inc. | 1415 Elbridge Payne Rd #230 | (636) 532-0100 |
Kevin Stengel - State Farm Insurance Agent serves the Chesterfield, Missouri area with professional landlord insurance solutions. This agency assists property owners in protecting their rental investments against common risks such as property damage and liability claims. Policies are designed to cover structures, lost rental income, and legal expenses that may arise from tenant issues. Services also include helping landlords evaluate coverage options for single-family rentals or multi-unit properties. The agency further handles policy adjustments for dwelling protection and personal liability for rented premises.
Located in Chesterfield, Missouri, Ben Rister - State Farm Insurance Agent offers a full range of landlord insurance services tailored to property owners. Protection options cover property damage, liability coverage, and loss of rental income to help secure investments. Regular policy reviews and loss prevention guidance are available to support property maintenance and risk management. This agency serves various rental properties, including single-family homes, multifamily apartments, retail storefronts, and restaurants.
Weiss Insurance Agency serves landlords and property managers in Chesterfield, Missouri, by providing tailored coverage for rental properties. Their policies help protect against common risks such as property damage, liability claims, and lost rental income. They assist clients in understanding the specific insurance needs of various residential and commercial holdings. This agency works closely with property owners to select appropriate plans for their portfolios. Their services also extend to property managers in nearby St. Charles and other communities throughout the St. Louis metro area.
Bess Agency & Associates Inc American Family Insurance serves the Chesterfield, Missouri area and surrounding communities, handling all aspects of landlord insurance coverage for property owners. It provides policies that protect rental income, structures, and liability exposures common to local residential and commercial lease properties. The agency approaches each client’s risk profile by reviewing specific property conditions and lease terms, then customizing protection to match individual portfolio needs.
Thomas Insurance Advisors, LLC in Chesterfield, MO offers both one-time and recurring service options for property owners. Coverage is tailored to protect rental dwellings from common perils such as fire, weather damage, and liability claims arising from tenant injuries or property maintenance issues. General vacant property protections and loss of rental income can be packaged within standard policies for local landlords. Support for these solutions runs on a one-time, scheduled, or as-needed basis, depending on the property owner’s preference and the specific risk management requirements of each rental unit.
The ICON Group offers specialty services in landlord insurance and general property coverage for rental owners in Chesterfield, MO. It helps clients secure appropriate policies for single-family homes and multi-unit buildings, addressing liability and dwelling protection needs. The company works to align coverage with local regulations and market conditions. As colder weather approaches, it assists landlords in reviewing policies for risks related to frozen pipes and winter storm damage to vacant or occupied rental properties.
As storms and shifting weather patterns create new challenges for property owners in Chesterfield, Azteca Insurance LLC provides tailored landlord insurance policies designed to protect rental investments. The agency works to match coverage options with each unique property and situation, helping landlords navigate liability, property damage, and loss of rental income exposure. Clients begin with a thorough needs assessment and property inspection to identify specific risks before any policy is crafted.
Hebbeln Insurance in Chesterfield, MO is known for providing specialized landlord insurance coverage for property owners. The agency works with clients to secure policies that protect rental properties from common risks including liability claims, property damage, and income loss due to tenant issues. They tailor plans for single-family rentals, multi-unit buildings, and commercial properties. Their service range extends to helping landlords understand local tenant laws and insurance requirements specific to the St. Louis region. A specialty service this agency can add on is coverage for short-term rental properties.
First Community Insurance Agency in Chesterfield, MO, provides residential landlord insurance for property owners and also structures commercial coverage for larger rental portfolios. Serving the greater St. Louis area, the agency helps landlords protect their investments from common property risks. They work closely with clients to adjust policies as portfolios change and encourage follow-up or repeat service between regular visits to address new property acquisitions or tenant turnovers.
What Does a a Landlord Insurance Agent in Chesterfield Cost?
The cost of landlord insurance in Missouri typically ranges from $800 to $2,500 per year for a single-family rental property, depending on factors like location, property age, coverage limits, and deductible. A standard policy with $300,000 in liability coverage and replacement cost for the building may cost around $1,200 annually in Chesterfield. Premiums can be higher for older homes or properties with higher risk features like pools or older electrical systems. This is general information and not insurance advice.
About landlord insurance agents in Chesterfield
A landlord insurance agent in Chesterfield Missouri helps rental property owners find policies that cover property damage, liability, and lost rental income. Missouri law does not require landlord insurance, but most mortgage lenders and property management companies do require it. Local agents understand the specific risks for properties in the St. Louis area, including weather-related damage and tenant liability issues.
Frequently Asked Questions
What does landlord insurance cover in Missouri?
Landlord insurance typically covers the building structure, liability for injuries on the property, and loss of rental income if the unit becomes uninhabitable. It does not cover a tenants personal belongings, which require renters insurance. Missouri law does not mandate this coverage, but it is strongly recommended.
How is landlord insurance different from homeowners insurance in Chesterfield?
Homeowners insurance covers owner-occupied homes, while landlord insurance is designed for rental properties. Landlord policies usually exclude coverage for the tenants personal property and include loss of rental income protection. Using a homeowners policy for a rental property can result in a claim denial in Missouri.
Do I need landlord insurance for a single-family rental in Missouri?
It is not required by Missouri state law, but most mortgage lenders require it for financed properties. Landlord insurance also protects you from liability if a tenant or visitor is injured on the property. Without it, you could face significant out-of-pocket costs for repairs or legal claims.
Landlord Insurance Agents in Other Missouri Cities
Ballwin · Blue Springs · Cape Girardeau · Columbia · Florissant · Gladstone · Independence · Jefferson City · Joplin · Kansas City · Kirkwood · Lake St Louis · Lee's Summit · Liberty · Nixa