The home insurance sector in Missouri plays a vital role in safeguarding properties against risks such as fire, theft, and natural disasters. Companies in this field range from large, established brands to smaller, specialized agencies, all providing coverage tailored to the unique needs of homeowners. The industry is increasingly recognizing the importance of personalized services, emphasizing customer education and community involvement. Trends show a movement towards integrating digital solutions and more flexible policy options as consumers seek easier access and better coverage. Overall, this sector remains robust, adapting to meet changing consumer demands and environmental realities.


This list features a mixture of independent agencies and established firms, with sizes ranging from small teams to several thousand employees. Most companies, founded between 1945 and recent years, are concentrated in cities like Chesterfield, Columbia, and Kansas City. They offer various services including home, auto, and life insurance, highlighting their commitment to tailored solutions for clients. These companies emphasize customer service and community engagement, creating strong local ties as they navigate a competitive insurance marketplace.


Continue reading to discover the top home insurance companies in Missouri.


Top 25 Home Insurance Companies in Missouri


1. Shelter Insurance Companies


Shelter Insurance Companies, based in Columbia, Missouri, has been providing insurance solutions since its inception in 1946. The company offers a wide array of insurance products, including home, auto, life, and business insurance. Their home insurance offerings cater to various needs, covering traditional homes, mobile homes, condominiums, and personal articles. Shelter Insurance operates through a network of agents, ensuring that customers receive tailored advice and support. This personalized service is a cornerstone of their business model, allowing them to build strong relationships with clients. The company is also known for its community involvement, which reflects its commitment to the areas it serves. With a workforce of over 4,000 employees, Shelter Insurance remains a significant player in the insurance industry, focusing on protecting the assets and managing the risks of individuals, families, and businesses alike.


2. Insurance Store, Inc.

  • Website: insurancestoreinc.com
  • Ownership type: Private
  • Headquarters: Chesterfield, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1976
  • Headcount: 11-50
  • LinkedIn: insurance-store-inc.

Insurance Store, Inc., based in Chesterfield, Missouri, has been serving clients since 1976. As an independent insurance agency, it specializes in providing a wide array of insurance products, including home, auto, life, and business insurance. The agency prides itself on delivering personalized service, ensuring that both individual consumers and businesses receive tailored insurance solutions that effectively manage risks and protect assets. With a dedicated team of experienced professionals, Insurance Store, Inc. emphasizes quality customer service, helping clients navigate the complexities of insurance coverage. Their approach involves working with various reputable insurance companies, allowing them to offer competitive pricing and comprehensive coverage options. This strategy not only enhances their market relevance but also positions them as a trusted partner for clients in need of home insurance and other insurance products.


3. 800 Call-KC

  • Website: call-kc.com
  • Ownership type: Private
  • Headquarters: Kansas City, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1992
  • Headcount: 51-200
  • LinkedIn: 800-call-kc

800 Call-KC, based in Kansas City, Missouri, has been serving the insurance needs of individuals since its founding in 1992. The agency provides a variety of insurance products, including auto, home, life, and motorcycle insurance. With a team of approximately 21 employees, Call-KC aims to assist consumers in protecting their assets and managing risks associated with different life events. Their website serves as a resource for customers, offering information and guidance to help them make informed decisions about their insurance needs. The agency's commitment to customer service and education reflects its role in the local insurance market, although it does not appear to have received any external funding.


4. First State Insurance Agency, Inc.

  • Website: fsiaonline.com
  • Ownership type: Private
  • Headquarters: Farmington, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1954
  • Headcount: 51-200
  • LinkedIn: trust-gdc

First State Insurance Agency, Inc., based in Farmington, Missouri, has been serving clients since 1954. This private insurance agency specializes in a wide array of insurance products, including auto, life, business, and notably, homeowners insurance. With a dedicated team of experienced agents, the agency emphasizes customer service and personalized insurance solutions to help clients manage risks and protect their assets. They cater to both individual consumers and businesses, ensuring that their offerings are tailored to meet specific needs. First State Insurance Agency is affiliated with First State Community Bank, which enhances their credibility and local presence. They are licensed to operate in multiple states, including Missouri, Illinois, Ohio, and Oklahoma, and have established a reputation for being involved in their communities. Their focus on providing comprehensive coverage options and support throughout the claims process further solidifies their role in the insurance industry.


5. O'Connor Insurance Agency

  • Website: oconnor-ins.com
  • Ownership type: Private
  • Headquarters: Creve Coeur, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1975
  • Headcount: 11-50
  • LinkedIn: o%27connor-insurance-agency

O'Connor Insurance Agency, based in Creve Coeur, Missouri, has been a staple in the insurance industry since its founding in 1975. With a team of 22 employees, the agency specializes in a variety of insurance products, including home, auto, and commercial insurance. They cater to both individual consumers and businesses, helping clients manage risks and protect their assets through customized insurance solutions. The agency is particularly noted for its expertise in condominium and community association insurance, which highlights their niche in the market. O'Connor Insurance Agency operates primarily in the Midwest and surrounding states, providing services to clients in Missouri, Illinois, Kansas, Florida, Arizona, Virginia, and Vermont. Their commitment to client education is evident through their informative blog and proactive client service initiatives, reinforcing their role as a trusted partner in the insurance landscape.


6. Weiss Insurance Agency, Inc.

  • Website: weiss-ins.com
  • Ownership type: Private
  • Headquarters: Chesterfield, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1905
  • Headcount: 51-200
  • LinkedIn: weiss-insurance

Weiss Insurance Agency, Inc. is a family-owned and operated insurance agency based in Chesterfield, Missouri. Founded in 1905, the agency has built a reputation for providing quality insurance solutions across the United States. Weiss Insurance offers a wide array of products, including auto, home, business, life, and health insurance. They serve both individual consumers and businesses, helping clients manage risks and protect their assets through customized insurance solutions. With a focus on personalized service, Weiss Insurance operates in multiple states, ensuring that they can cater to a broad clientele. Their team of knowledgeable professionals is dedicated to creating insurance policies that fit the unique needs of their clients, emphasizing the importance of customer service and support throughout the insurance process.


7. Insurance Brokers Group


Insurance Brokers Group, founded in 2005 and based in Chesterfield, Missouri, operates as an insurance brokerage. The company specializes in a wide array of insurance products, including home, auto, life, and business insurance. With a team of 11 to 50 employees, they leverage relationships with multiple insurance carriers to provide clients with tailored coverage options. Their approach simplifies the insurance purchasing process, making it easier for both individuals and businesses to find suitable policies. The company emphasizes customer service, as evidenced by positive client testimonials highlighting their efficiency and helpfulness. Insurance Brokers Group does not report any funding, indicating they operate independently in the market.


8. MGI Risk Advisors

  • Website: mgi-risk.com
  • Ownership type: Private
  • Headquarters: St. Louis, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1981
  • Headcount: 51-200
  • LinkedIn: mgi-risk-advisors

MGI Risk Advisors, founded in 1981 and based in St. Louis, Missouri, is a private insurance agency with a workforce of approximately 95 employees. The company specializes in a variety of insurance products, including business, personal, and life & health insurance. MGI Risk Advisors prides itself on its personalized approach to risk management, ensuring that clients receive tailored solutions that meet their specific needs. They represent many of America's largest insurance carriers and have access to global markets, which enhances their ability to provide comprehensive coverage options. The agency's commitment to trust, honesty, and integrity has been a cornerstone of its operations since its inception, and they strive to exceed client expectations through customized insurance solutions.


9. Midwest Risk Partners


Midwest Risk Partners, known as Arnold Insurance, is an insurance agency based in St. Louis, Missouri. Founded in 2021, the company offers a variety of insurance products, including home, auto, renters, and commercial insurance. With a commitment to personalized service, Arnold Insurance aims to understand the unique needs of its clients, providing tailored insurance solutions. The agency has a history of over fifty years of experience in the insurance industry, which is attributed to its team of licensed producers and support staff. They operate multiple locations across the Midwest, including Cape Girardeau, St. Louis, and Denver, and focus on building strong relationships within the communities they serve. Arnold Insurance is dedicated to delivering exceptional customer service and ensuring that clients feel secure in their coverage choices.


10. Twin Lakes Insurance Agency

  • Website: twinlakesins.com
  • Ownership type: Private
  • Headquarters: Lee'S Summit, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1983
  • Headcount: 11-50
  • LinkedIn: twin-lakes-insurance-agency

Twin Lakes Insurance Agency, based in Lee's Summit, Missouri, has been serving the insurance needs of individuals and businesses since its inception in 1983. With a dedicated team of 43 employees, the agency has grown to become the largest independent insurance agency in its locality. It offers a wide array of insurance products, including auto, home, business, life, health, and bonds. The agency prides itself on its customer-centric approach, emphasizing that they are employed by their clients. This philosophy drives their commitment to providing the best coverage options at competitive prices through reputable insurance companies. Over the years, Twin Lakes has received several commendations for its growth and service quality, further solidifying its position in the insurance industry. Their focus on home insurance, alongside other products, showcases their relevance in this market.


11. Monarch Insurance

  • Website: monarchinsurancekc.com
  • Ownership type: Private
  • Headquarters: Kansas City, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2021
  • Headcount: 1-10
  • LinkedIn: monarch-insurance

Monarch Insurance is a private insurance agency based in Kansas City, Missouri, founded in 2021. With a small team of 1-10 employees, the company specializes in a variety of insurance products, including home insurance, car insurance, and commercial insurance. Monarch Insurance aims to serve both individual consumers and businesses, providing tailored solutions to protect their assets against unforeseen events. The agency emphasizes building relationships with clients, assessing their unique insurance needs, and ensuring they have the right coverage for their valuables. Monarch Insurance operates primarily in Kansas and Missouri, and it is committed to delivering peace of mind through its insurance offerings. The company has not reported any funding, indicating it is self-sustained at this stage of its development.


12. Gallaher Insurance Group LLC


Gallaher Insurance Group LLC is an independent insurance agency based in Mexico, Missouri, with additional offices in Columbia, St. Louis, and Montgomery City. Founded in 1949, the agency has built a reputation for providing a wide array of insurance products, including auto, home, life, and business insurance. With a team of over thirty licensed agents, they focus on delivering personalized service and tailored insurance solutions to both individuals and businesses. Their commitment to customer care is evident in their approach to handling claims and providing guidance on insurance needs. Gallaher Insurance Group represents several regional and national insurance companies, allowing them to offer competitive rates and comprehensive coverage options. Their operational footprint across Missouri and ability to serve clients nationwide further solidify their role in the insurance market.


13. Alexander Insurance Agency

  • Website: alexins.com
  • Ownership type: Private
  • Headquarters: Saint Charles, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1957
  • Headcount: 1-10
  • LinkedIn: alexander-insurance-agency-llc

Alexander Insurance Agency, based in St. Charles, Missouri, has been serving the insurance needs of individuals and businesses since its founding in 1957. The agency offers a range of insurance products, with a strong emphasis on personal insurance, including homeowners and auto insurance. As an independent agency, Alexander Insurance Agency prides itself on providing customized insurance solutions that cater to the unique needs of its clients. The agency is committed to quality customer service, ensuring that clients receive one-on-one attention from knowledgeable professionals. Over the years, Alexander Insurance has built a reputation for reliability and community involvement, actively participating in local organizations and initiatives. The agency is licensed to operate in Missouri and Illinois, and it continues to uphold its legacy of trust and service in the insurance industry.


14. Insurance Plus LLC

  • Website: insuranceplusllc.com
  • Ownership type: Family Owned
  • Headquarters: Columbia, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2019
  • Headcount: 1-10
  • LinkedIn: insurance-plus-llc

Insurance Plus LLC, established in 2019, is a family-owned insurance agency located in Columbia, Missouri. The company specializes in a wide array of insurance products, including commercial, personal, Medicare, health, life, and pet insurance. With a focus on serving individuals, families, and small to medium-sized businesses, Insurance Plus aims to provide customized insurance solutions that meet the specific needs of their clients. Their approach combines personal service with a commitment to understanding the unique challenges faced by their customers. The agency operates primarily in Columbia, MO, and is powered by a partnership with Accounting Plus, which enhances their ability to offer financial data-driven insurance solutions. Despite being a newer player in the industry, Insurance Plus is dedicated to supporting local businesses and individuals in navigating their insurance needs effectively.


15. Crawford-Butz & Associates Insurance Agency


Crawford-Butz & Associates Insurance Agency, based in St. Louis, Missouri, has been serving clients since its founding in 1961. This private insurance agency specializes in providing a comprehensive range of personal and commercial insurance products. Their offerings include various types of home insurance, such as homeowners, renters, and landlord insurance, alongside auto and life insurance. The agency prides itself on delivering tailored insurance solutions that cater to the unique needs of both individual consumers and businesses. With a dedicated team of knowledgeable agents, Crawford-Butz emphasizes customer service, ensuring clients receive the best coverage options at competitive prices. Their commitment to quality service is evident in their proactive approach to claims and billing support, which is available through extended hours. This focus on personalized service and extensive product offerings solidifies their role in the insurance industry.


16. Corner Stone Insurance Agency


Corner Stone Insurance Agency, established in 1945, is a private insurance agency located in Southwest City, Missouri. With a small team of 1-10 employees, the agency specializes in a variety of insurance products, including home, auto, life, and farm insurance. It serves individual consumers and businesses, focusing on providing tailored insurance solutions to mitigate various risks. The agency operates primarily in the southwest region of Missouri and extends its services to surrounding states such as Oklahoma, Arkansas, and Kansas. Corner Stone Insurance Agency prides itself on offering personalized service, emphasizing its commitment to 'Hometown service' and the ability to shop around for the best coverage options for its clients. The agency's long-standing presence in the industry reflects its experience and dedication to meeting the insurance needs of its community.


17. Arnold Insurance

  • Website: myarnoldteam.com
  • Ownership type: Private
  • Headquarters: Cape Girardeau, Missouri, United States (USA)
  • Employee distribution: United States (USA) 97%, Egypt 3%
  • Founded year: 1971
  • Headcount: 51-200
  • LinkedIn: chap-arnold-insurance-agency

Arnold Insurance, founded in 1971, is a private insurance agency based in Cape Girardeau, Missouri. The company specializes in a variety of insurance products, including home, auto, renters, and commercial insurance. With a workforce of approximately 88 employees, Arnold Insurance prides itself on delivering personalized service to its clients. The agency operates multiple locations across the Midwest, including St. Louis, Denver, and Phoenix, allowing them to serve a broad customer base. Their approach focuses on understanding the unique needs of each client, ensuring that they receive tailored insurance solutions that protect their assets and manage risks effectively. Over the years, Arnold Insurance has built a reputation for reliability and community involvement, making it a trusted choice for individuals and businesses seeking insurance coverage.


18. Focus Insurance


Focus Insurance, established in 1999 and located in Eureka, Missouri, is an insurance agency that provides a variety of insurance products, including home, auto, and commercial insurance. With a team of approximately 30 employees, the agency caters to both individual consumers and businesses, helping them secure appropriate coverage for their assets and liabilities. Focus Insurance operates primarily in Missouri but extends its services across 38 states, showcasing its capability to meet the needs of a wider clientele. The agency emphasizes personalized service, ensuring that clients receive dedicated attention from knowledgeable agents who guide them through the complexities of insurance policies. Their focus on home insurance, alongside other offerings, positions them as a relevant player in the insurance industry, particularly for homeowners seeking tailored coverage solutions.


19. K. Flynn Insurance Agency, Inc


K. Flynn Insurance Agency, Inc., based in Troy, Missouri, has been serving clients since 1982. This independent insurance agency specializes in providing a wide array of personal and commercial insurance products. Their offerings include home insurance, high-value home insurance, flood insurance, and earthquake insurance, among others. K. Flynn Insurance prides itself on its local expertise, ensuring that clients receive tailored insurance solutions that meet their specific needs. The agency's commitment to customer service is evident in their approach, where every call is answered by a person rather than an automated system. They partner with a carefully selected group of insurance companies known for their financial strength and reputation for reliable claims service. This strategy allows K. Flynn Insurance to present clients with multiple coverage options, enhancing their ability to manage risks effectively. The agency's focus on community involvement further solidifies its role as a trusted advisor in the insurance market.


20. Lang Insurance

  • Website: langinsurance.com
  • Ownership type: Private
  • Headquarters: Saint Charles, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1989
  • Headcount: 11-50
  • LinkedIn: lang-insurance-service-inc.

Lang Insurance, based in Saint Charles, Missouri, is a private insurance agency founded in 1989. With a team of 36 employees, they specialize in providing a variety of insurance products, including auto, home, business, and life insurance. The agency prides itself on delivering personalized service and tailored insurance solutions to both individual consumers and businesses. Their commitment to understanding client needs and offering unbiased advice sets them apart in the industry. Lang Insurance operates as an independent agency, which allows them to represent multiple insurance carriers, ensuring clients receive the best coverage options available. Their long-standing presence in the community and focus on customer relationships highlight their dedication to protecting what matters most to their clients.


21. Midwest Agency O' Fallon, Missouri

  • Website: midwestagency.com
  • Ownership type: Private
  • Headquarters: O'Fallon, Missouri, United States (USA)
  • Founded year: 1991
  • Headcount: 11-50
  • LinkedIn: midwest-agency

Midwest Agency O'Fallon, Missouri, known as First Community Insurance Agency, was founded in 1991 and has established itself as a significant player in the insurance industry. The agency specializes in a wide array of insurance products, including personal, business, life, and health insurance. With a dedicated team of professionals, they cater primarily to individuals, families, and businesses in Missouri and Illinois, ensuring that clients receive tailored solutions to meet their specific insurance needs. The agency prides itself on its independent status, which allows it to represent multiple top-rated insurance companies, providing clients with a variety of options. Their commitment to customer service and community involvement further solidifies their position in the insurance market.


22. Smart Insurance Agency, Inc.


Smart Insurance Agency, Inc. is a privately owned insurance agency based in Marionville, Missouri, with a history dating back to 1958. Founded by James A. Smart, the agency has evolved through generations, with Randal Smart and his daughter Lauren Layman continuing the family legacy. The agency serves over 2,000 clients, providing a range of insurance products including home, auto, life, and commercial insurance. As an independent agency, Smart Insurance represents a selection of reputable insurance carriers, allowing them to offer personalized coverage options tailored to the unique needs of individuals, families, and businesses. Their commitment to customer service is evident in their claims advocacy and the emphasis on building long-term relationships with clients. Smart Insurance Agency is dedicated to simplifying the insurance process, ensuring clients understand their coverage and feel supported throughout their insurance journey.


23. Global Green Insurance Agency


Global Green Insurance Agency, established in 2017, is a privately owned insurance agency located in Oak Grove, Missouri. With a small team of around 32 employees, the agency specializes in a range of insurance products, including home, auto, motorcycle, and commercial insurance. It serves both individual consumers and businesses primarily in Missouri and Kansas. The agency prides itself on being an independent broker, which allows it to work with multiple top-rated insurance companies to find the best coverage options for its clients. This independence is particularly beneficial in the home insurance sector, where the agency aims to ensure that clients are adequately covered and not underinsured. Global Green Insurance Agency's mission is to provide clients with the right coverage at competitive prices, reflecting its commitment to customer service and satisfaction.


24. Walnut Risk Management, LLC

  • Website: walnutrisk.com
  • Ownership type: Private
  • Headquarters: Kansas City, Missouri, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2012
  • Headcount: 11-50
  • LinkedIn: walnut-risk-management-llc

Walnut Risk Management, LLC is an insurance brokerage based in Kansas City, Missouri, established in 2012. The company operates as a private entity with a team of 11-50 employees, focusing on providing a wide array of commercial and personal insurance products. Their offerings include auto, homeowners, farm, and life insurance, among others. Walnut Risk Management prides itself on delivering tailored insurance solutions that protect clients against various risks. The firm emphasizes exceptional customer service and personalized attention, aiming to create a positive experience for both individual consumers and businesses. Their commitment to community involvement and risk management services further highlights their active role in the insurance industry, making them a relevant player in the home insurance market.


25. Arnold Insurance Company


Arnold Insurance Company, based in Cape Girardeau, Missouri, has been serving clients since 1971. This independent insurance agency offers a range of personal and commercial insurance products, including home, auto, and business coverage. With a dedicated team of licensed professionals, Arnold Insurance focuses on understanding the unique needs of each client, ensuring they receive tailored insurance solutions. The company prides itself on its commitment to customer service, having built strong relationships within the communities it serves. Over the years, Arnold Insurance has expanded its reach with multiple locations, including offices in St. Louis, Denver, and Phoenix, further solidifying its presence in the insurance market. Their approach emphasizes personalized service, making them a trusted partner for individuals and businesses alike.



Home Insurance Insights: Key Companies in Missouri


CompanyHeadquarterSizeFoundedOwnership
Shelter Insurance CompaniesColumbia, Missouri, United States (USA)1001-50001946Private
Insurance Store, Inc.Chesterfield, Missouri, United States (USA)11-501976Private
800 Call-KCKansas City, Missouri, United States (USA)51-2001992Private
First State Insurance Agency, Inc.Farmington, Missouri, United States (USA)51-2001954Private
O'Connor Insurance AgencyCreve Coeur, Missouri, United States (USA)11-501975Private
Weiss Insurance Agency, Inc.Chesterfield, Missouri, United States (USA)51-2001905Private
Insurance Brokers GroupChesterfield, Missouri, United States (USA)11-502005Private
MGI Risk AdvisorsSt. Louis, Missouri, United States (USA)51-2001981Private
Midwest Risk PartnersSt. Louis, Missouri, United States (USA)51-2002021Private
Twin Lakes Insurance AgencyLee'S Summit, Missouri, United States (USA)11-501983Private
Monarch InsuranceKansas City, Missouri, United States (USA)1-102021Private
Gallaher Insurance Group LLCMexico, Missouri, United States (USA)11-501949Private
Alexander Insurance AgencySaint Charles, Missouri, United States (USA)1-101957Private
Insurance Plus LLCColumbia, Missouri, United States (USA)1-102019Family Owned
Crawford-Butz & Associates Insurance AgencySt. Louis, Missouri, United States (USA)11-501961Private
Corner Stone Insurance AgencySouthwest City, Missouri, United States (USA)1-101945Private
Arnold InsuranceCape Girardeau, Missouri, United States (USA)51-2001971Private
Focus InsuranceEureka, Missouri, United States (USA)11-501999Private
K. Flynn Insurance Agency, IncTroy, Missouri, United States (USA)11-501982Private
Lang InsuranceSaint Charles, Missouri, United States (USA)11-501989Private
Midwest Agency O' Fallon, MissouriO'Fallon, Missouri, United States (USA)11-501991Private
Smart Insurance Agency, Inc.Marionville, Missouri, United States (USA)1-101958Private
Global Green Insurance AgencyOak Grove, Missouri, United States (USA)1-102017Private
Walnut Risk Management, LLCKansas City, Missouri, United States (USA)11-502012Private
Arnold Insurance CompanyCape Girardeau, Missouri, United States (USA)11-501971Private


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