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Insurance Agents to Avoid

170

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16

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A
"We have been using the company for about 2 years. They were excellent with helping us spot an issue with our roof. They went above and beyond for us. They found" a company to repair the roof at a low cost. The estimator they sent out noticed things others had missed and he did a great job. It is pretty easy and standard to reach the company when I need. They have been very responsive, as well.

-lauren T.

A
"Several people called after I inquired online but
was eager to assist at my convenience.There was no cost and
spent" along time explaining different plans and customizing for my needs. He didn't push one way or another, just fully explained and answered all my questions. I feel he helped me make the best decision and feel comfortable and thank him for his time and concern.

-Laurie M.

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Local Articles in O Fallon

burned down house

Insurance Agents

Insurance agents represent one or more insurance companies and sell a variety of products including life, homeowners, auto and long-term care insurance.

car wreck
Insurance Agencies

Are you taking advantage of the discounts your insurance provider offers? Here's how to go about making sure you're getting the savings you deserve.

 Water damage as a result of poor maintenance is considered neglect and may not be covered. (Photo courtesy of Angie's List member Brock G. of Richfield, Ohio)
Insurance Agencies

Water everywhere ... are you covered? Water damage is the most common homeowner's insurance claim. It can go beyond flooding to include backups and pipe damage.

A higher deductible will save you money on your annual insurance premium, but be sure to review the pros and cons before changing your policy. (Photo by Summer Galyan)
Insurance Agencies

A high deductible homeowners insurance policy will save you money on your annual premium, but review these pros and cons of such a policy before you sign.

High deductible insurance policies are often a popular option for homes of higher insured value, as homeowners tend to have the means to pay the deductible if necessary. (Photo courtesy of Angie's List member Todd C., of Maple Valley, Wash.)
Insurance Agencies

Is high deductible homeowners insurance inevitable? As more insurance companies require homeowners to cover more of a claim, what does that mean for you?

Angie's Answers

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First, call your insurance company and tell them you do not want any proceeds paid to the contractor under your policy as you are not going with them.  This way they can not collect money on your behalf.  Insurance will typically have you sign a form for release of funds anyway but this is a good extra step to make sure your signature isn't forged.  Second, call the contractor and tell them you will not be needing their services afterall.  Did your husband pay a deposit?  If so it may be non-refundable.  Then follow up with a certified letter. 

 

An email as well doesn't hurt but some states don't yet recognize email as a form of communication for legally binding documentation.  This may have changed and I'm sure more states do recognize them as I haven't followed that topic elsewhere as much as I used to.  The contractor's office should be local.  A sure fire way to ensure they got the message is to deliver the letter to the office of the contractor and have someone at the office sign a duplicate stating it has been recieved and read.  There's no arguing whether they received it or not by doing that.

 

Hopefully you've learned your lesson about high pressure sales techniques and storm chasers looking for a quick buck.  Some people find out a much harder way.  While these guys may be legitimate you should always do your homework on a contractor before signing the contract.  Unless you have water running out of the house and the work has to be done on the spot it's not so much of an emergency that it can't wait until the next day.

 

Todd Shell

Todd's Home Services

San Antonio, TX

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Consider going to library an reading Consumer Reports rating on home insurance companies in your area.  For affordabilty elect the highest deductable you can stomach.  This will lower your premioum, I went thru Costco, they and Sam's Club can be a valuable resource for home and car insurance. Shop on line with your needs to save money.  Unless you have major assets forget large policy. For your gutter and roofing needs see my blog.
Jim Casper 

Insurance Agent reviews in O Fallon

A

Rating
My husband and I were very impressed with
O Fallon Insurance Agents Provider Name Locked
during our appointment. He graciously explained and re-explained the many facets of Medicare. His knowledge of several Medicare programs that fit our present needs was extensive and enabled us to choose the one that we felt comfortable with.
- Terry S.
F

Rating
WATCH OUT FOR THIS COMPANY. As a result of their astoundingly incompetent communication "policy," they
O Fallon Insurance Agents Provider Name Locked
me to believe I had insurance coverage when I actually didn't. I processed an online payment for renewal, as I had done before without any problem, and a few days later I received a policy and ID cards in the mail with appropriate dates, along with a thank you letter. After a while, very fortunately, I became puzzled at receiving no email communication from them, since they are normally very chatty with emails. I logged in to my account and discovered that the policy had been CANCELLED for "nonpayment." Somehow they must have failed to process the online payment correctly, even though the site showed at the time that it had gone through. They sent me nothing but paper mail regarding the cancellation, NOT ONE SINGLE EMAIL. I did not open the paper mail, assuming it was advertising for other types of coverage, which they had sent a number of times before. They had previously notified me by email when it was time to renew, among other things, and it literally never occurred to me that they would do something as drastic as cancelling my coverage without sending me ANY EMAIL COMMUNICATION WHATSOEVER, but it seems that this, for some obscure harebrained reason, is their "policy."
IF YOU USE THIS COMPANY MAKE EXTREMELY SURE THAT YOUR COVERAGE IS ACTIVE AND CHECK IT FREQUENTLY. NEVER UNDER ANY CIRCUMSTANCES FAIL TO OPEN ANY PAPER MAIL FROM THESE IDIOTS.
- Lila G.
A

Rating
It went really well. A long-time friend had recommended this agency highly. She had complicated insurance needs as she is a sculptor who needs to have insurance to ship her sculptures and also needs insurance when the sculptures are displayed in public areas.
First of all, this agent was very helpful in cluing me in on how insurance works. He explained the different companies priorities and customs. My prior agent had never said a word about it. Also, he kept in touch about what was going on, telling me how he was going about finding me insurance. He took pains to learn about my situation, look at the house, and explain the paperwork. The prior agent did none of those things.
In comparison with other agents I consulted, this one took pains to
O Fallon Insurance Agents Provider Name Locked
out insurance for me and was a good advocate for me with the insurance companies he contacted about my house.
The result was that I got more reasonable insurance than other agents had found for me and a better policy than I might have gotten.
This is a company with excellent customer service and professional responsibility and know-how.
I highly recommend this agent for any householder but especially for those who lost insurance because of some weather problem that was not their fault.
By the way, Angie's list's chronology for a review does not really capture the timing of the service of an insurance agent because it requires that you put a particular date. This agent helped me over the late fall and early winter.
- Anna C R.
D

Rating
In several ways it was not good at all.
As an insurance advisor, Spinillo never gave me the advice all home-owners should have, advice my current gives me. For example, she did not explain how to handle damage events, such as the ice dams my house had in 2014. Somehow, one event got classified as two, which ended up losing me my house insurance.
Also, whenever I would call the agency, there was no one who answered the phone. I'd get a response back days later, always with some excuse: an illness, the weather, a car breakdown.
Then, when I requested cancellation of a supplementary policy for valuables, which I decided I did not need, not having many very valuable things, the company neglected to follow through on the cancellation. I had contacted the insurance company, which told me I had to cancel through the agent.
So, I called them to request the cancellation. I wrote them an email to request cancellation. They acknowledged my email and sent me a form to cancel. I filled out the form they sent me to sign, to formally request cancellation. The form was delivered to them from me, by email successfully.
But they did not ever cancel the policy and the insurance company is still billing me for a policy I cancelled months ago
Insurance agencies are required to carry out the lawful requests of their customers. This agency did not do that.

- Anna C R.
A

Rating
O Fallon Insurance Agents Provider Name Locked
has always been my preferred insurance provider, and they still write a lot of my insurance. However, their rates have always been a bit on the high side.
In this case, their rate was way too high.
AAA is fairly new at homeowner's insurance in Florida, but by bundling homeowners + 1 of my cars + an umbrella policy, they made me "an offer I couldn't refuse" on the rate.
- Donald C.
A

Rating
The claims representative,
O Fallon Insurance Agents Provider Name Locked
Angel, is why I am spending my time to write this review. Mr.
O Fallon Insurance Agents Provider Name Locked
did an excellent job of communicating what the situation was and what needed to be done. Excellent customer service.
- Alex B.
A

Rating
Excellent customer service.
O Fallon Insurance Agents Provider Name Locked
and his staff walked us through every step of the process. He helped us compare various packages based on our needs and budget. Dealing with our mortgage company has NOT been satisfactory, however the
O Fallon Insurance Agents Provider Name Locked
insurance staff has helped to make thos dealings less painful. The
O Fallon Insurance Agents Provider Name Locked
office kept informed about multiple oversights made by the mortagage company. They were able to care of most of them without my getting involved. They have been really great every single step of the way.
We initially received quotes from multiple offices, but we put our trust in
O Fallon Insurance Agents Provider Name Locked
and i couldn't be happier that we did.
- Garett M.
A

Rating
Couldn't have gone better!
O Fallon Insurance Agents Provider Name Locked
got competitive quotes for my auto, home and umbrella liability policies. He also helped me do a side by side comparison of coverages to ensure the quotes were equivalent to what I already had. In the end, I got slightly better coverage (due to the bidder's packaging) and saved 18%. This was likely a small deal for
O Fallon Insurance Agents Provider Name Locked
but he didn't treat it like one at all
- Thomas J.

All Insurance Agents in O Fallon, MO

Companies below are listed in alphabetical order. To view top rated service providers along with reviews and ratings, Join Angie's List Now!

3 Pointe Financial

8001 Irvine Center Dr

AAA

12901 N FORTY DR
Saint Louis

AAA Auto Club Of Missouri

12901 N 40 Dr
Saint Louis

AAA INSURANCE

844 BRYAN RD
O Fallon

Aadvantage Insurance Group

27 Glen Ed Professional Park

Abigail Tuttle

7733 Forsyth Blvd Suite 1000
Saint Louis

AccuRate Insurance Agency

9424 St Charles Rock Rd
St. Louis

Ace Insurance Agency

3859 W Outer Rd
Arnold

Alexandra Mazzant, Country Financial

17000 Baxter rd
Chesterfield

AllAmerican Insurance

1359 Oak Borough Dr
Ballwin

Allegiant Group Inc

189 W Clarkston Rd

ALLIED INSURANCE

9005 HARVEST RUN DR
O Fallon

ALLSTATE INSURANCE CO

108 FORT ZUMWALT SQ
O Fallon

ALLSTATE INSURANCE CO

300 FORT ZUMWALT SQ
O Fallon

ALLSTATE INSURANCE CO

609 WESTRIDGE DR
O Fallon

ALLSTATE INSURANCE CO

1605 BRYAN RD
O Fallon

ALLSTATE INSURANCE CO

2964 HIGHWAY K
O Fallon

ALLSTATE INSURANCE CO

2764 Highway K
O Fallon

ALLSTATE INSURANCE CO

976 University Dr # A

Allsup Inc

300 Allsup Pl

ALTERNATIVE INSURANCE MKTG

300 FORT ZUMWALT SQ
O Fallon

Alternatives Insurance of Des Peres

1610 Des Peres Rd, Ste 150
Des Peres

AMERICAN FAMILY INSURANCE

609 WESTRIDGE DR
O Fallon

AMERICAN FAMILY INSURANCE

109 TRIAD CTR W
O Fallon

AMERICAN FAMILY INSURANCE

PO Box 676
O Fallon

AMERICAN FAMILY INSURANCE

2390 HIGHWAY K
O Fallon

AMERICAN FAMILY INSURANCE

1656 BRYAN RD
O Fallon

American Family Insurance - Daniel S Fowler

5647 TELEGRAPH RD
Saint Louis

American Home Shield

889 Ridge Lake Blvd

AMERICAN INCOME LIFE INSURANCE

13545 Barrett Pkwy Dr
Ballwin

AMERICAN NATIONAL INSURANCE CO

1073 E TERRA LN
O Fallon

American Virtual Associates

304 Whitelaw Avenue

Ameriprise Financial Inc

825 Maryville Centre Dr
Chesterfield

ARNDT & ASSOC INSURANCE

8124 Big Bend Blvd.
Saint Louis

ASSOCIATED INSURANCE GROUP

150 WELDON PKWY
Maryland Heights

Atchison Insurance Agency

5344 Highway N
Saint Charles

Aubuchon Insurance Agency Inc

806 Runny Meade EST
O Fallon

BEN FISCHER INSURANCE

326 SONDEREN ST
O Fallon

Blankenship Insurance

509 E Main
Park Hills

BRIDGES & ASSOC

PO BOX 150113
Saint Louis

BROOKE FRANCHISE CORP

2432 HIGHWAY K
O Fallon

BROOKE INSURANCE & FINANCIAL

703 N MAIN ST
O Fallon

Careington Care 500 Plan

7400 Gaylord Pkwy

CARL ROTHERMICH INSURANCE

2713 HIGHWAY K
O Fallon

CDS Group Financial Services LLC

1107 Mississippi Ave
Saint Louis

Cloverleaf Insurance Agency

763 West Terra Lane
O'fallon

Country Financial

239 Chesterfield Ind Blvd
Chesterfield

COUNTRY INSURANCE & FINANCIAL

2530 HIGHWAY K
O Fallon

COUNTRY Insurance and Financial Services

4200 N CLOVERLEAF DR
Saint Peters

CREATIVE INSURANCE NETWORK

1352 CROOKED STICK DR
O Fallon

CROSS LINK SYSTEMS INC

107 Courtfield Dr
O Fallon

CW Insurance Agency, LLC

PO Box 2342
Florissant

DAVE HOLLIDAY

300 FORT ZUMWALT SQ
O Fallon

Dave Wenzel, St Louis Commercial Insurance

1064 S Woods Mill Rd
Chesterfield

DAVID D BROWN INSURANCE INC

17014 New College Ave.
Wildwood

Demand Remodeling & Restoration

10723 Baur Blvd
St Louis

DENNY & ASSOC INC

1041A PERUQUE CROSSING CT
O Fallon

DEWITT INSURANCE

763 West Terra Lane
O Fallon

DEWITT INSURANCE OF MID RIVERS

2386 HIGHWAY K
O Fallon

DIRECT GENERAL INS AGENCY

2685 HIGHWAY K
O Fallon

Dunlap Wealth Management Group

14074 Trade Center Dr

Edward Jones

14278 Ladue Rd
Chesterfield

EDWIN-CLAUDE INC

11426 S 40 DR
Saint Louis

ESTAL INSURANCE & FINANCIAL

109 BOATSIDE CT
O Fallon

Farmers Insurance

9006 Vasel Dr
Saint Louis

Farmers Insurance

300 Biltmore Dr, Suite 336
Fenton

Farmers Insurance - Richard Anton

1391 Covington Manor Ln
Saint Louis

Farmers Insurance Devin T. Warren Agency

11819 Manchester Rd
Saint Louis

FARMERS INSURANCE GROUP

211 E ELM ST
O Fallon

FARMERS INSURANCE GROUP

2534 TECHNOLOGY DR
O Fallon

Farmers Insurance Group

144 Timberidge Drive
Saint Peters

Farmers Insurance Terry Schmidt

2534 Technology Dr #A
O Fallon

FEDERATED INSURANCE

300 FORT ZUMWALT SQ
O Fallon

FIREMAN'S FUND

1 Progress Point Ct
O Fallon

FOCUS FINANCIAL

97 Hilltop Village Center Dr Ste C
Eureka

Focus Insurance/St. Charles

557 Madison St
St. Charles

GARBACZ GROUP

655 CRAIG RD
Saint Louis

GARY K BAKER INSURANCE

8766 VETERANS MEMORIAL PKWY
O Fallon

GATEWAY INSURANCE INC

803 RUNNY MEADE EST
O Fallon

Greenpoint Insurance Advisors

16024 Manchester Rd Ste 200
Ballwin

HANLEY ENTERPRISES

2266 BATES RD
O Fallon

HEALTH BENEFIT CONSULTANTS LLC.

20275 Honeysuckle Dr.

Healthcare Solutions Team

5055 Highway N Ste 118
Saint Charles

Healthcare Solutions Team / Bill Morrissey

5055 State Hwy N
Cottleville

Heartland Insurance

2451 Executive Drive, Ste 200
Saint Charles

Insurance Consultants Group

427 W Terra Ln
O Fallon

J. Black Agency

2188 N Waterford Dr
Florissant

James Bachelder Insurance Agency

1425 Triad Center Dr
Saint Peters

Jason Bloom State Farm Insurance

14145 Clayton Rd.
Chesterfield

JAY MEIER INSURANCE INC

2115 S BRENTWOOD BLVD
Saint Louis

JEFF HUG INSURANCE

1068 BRYAN RD
O Fallon

Jeff Wright Agency

12250 Weber Hill Rd. #300
Saint Louis

Jeffrey M. Rainwater - COUNTRY Financial

435 Lafayette Center
Ballwin

Jim Lyons Insurance Agency

420 W US Highway 40

K & A Medical Case Management

14368 Manchester Road, Suite 200
Ballwin

Kathy Kilo Peterson State Farm Insurance

2299 Technology Drive
O Fallon

Kaufman's Insurance Agency of Farmers

1425 Triad Center Dr
Saint Peters

KILO INSURANCE

2299 TECHNOLOGY DR
O Fallon

KING CLAIM SVC INC

PO BOX 9625
O Fallon

Kwesi O J Akpore Insurance Agency

111 Church St
Saint Louis

Lanham Agency LLC - Nationwide Insurance

15005 Manchester Rd.
Ballwin

Leeann Engel

206 W Terra Ln
O Fallon

LEWIS B FRUEND INSURANCE

1085 E TERRA LN
O Fallon

Locksmith Experts

10224 Bach Boulevard
Saint Louis

Long Term Care Advisors

13866 S Gallery Street

Lori Adams - State Farm Agent

2225 Bluestone Drive
Saint Charles

Maav Consulting

1 Mouser Dr

Marina Whyrick

21041 W 114th Terr

Mark Anthony Insurance & Risk Management

4700 Jamieson Ave.
Saint Louis

MARY MCELROY INSURANCE

1137 N MAIN ST
O Fallon

MASS MUTUAL FINANCIAL GROUP

1049 E TERRA LN
O Fallon

Matt Hashley - Farmers Insurance

10097 Manchester Rd
Saint Louis

McCully Insurance Agency, Inc.

219 US Hwy 60 West
Republic

MICHAEL FARINELLA INSURANCE AGENCY

2416 N CENTER ST (HWY 159)

MID-WEST INSURANCE

8917 VETERANS MEMORIAL PKWY
O Fallon

MIKE PECORONI

211 E ELM ST
O Fallon

Milburn Agency

100 Rue St Francois
Florissant

MIXON INSURANCE

210 COLLINSVILLE AVE

NBC, Inc.

470 Forest Ave

NEC INSURANCE INC

PO Box 845
O Fallon

O'Shea-Ward Insurance Group

12015 Manchester Rd.
Saint Louis

Obermeyer Insurance Group

15009 Manchester Rd
Ballwin

Patel & Associates LLC.

2530 Berryessa Rd

PAUL FLOWERS INSURANCE

4051 JEFFCO BLVD
Arnold

Pemberton Financial

100 Chesterfield Business Parkway
Chesterfield

Practical Insurance Solutions LLC

695 Central Ave Ste 150

Premier Health Quotes

16423 Cherry Valley Ct
Wildwood

PREMIER INSURANCE AGENCY

11400 Concord Village Ave Ste D
Saint Louis

Primerica Financial Services

11600 Adie Rd # 200
Maryland Heights

PropertyUpkeep

3410 Brunswick Dr
Florissant

Provident Insurance Agency, LLC

2875 Patterson Rd
Florissant

PRUDENTIAL INSURANCE CO

1073 E TERRA LN
O Fallon

Renaud & Company LLC

793 W. Terra Lane
Ofallon

RON SCHMIDT INSURANCE INC

1100 Tom Ginnever Ave
O Fallon

S P Johnson Group

2025 Delaware Ave

SANDY KESSLER INSURANCE

1293 Bryan Rd
O Fallon

SANDY KESSLER INSURANCE

1157 BRYAN RD
O Fallon

Select Insurance Group

4638 S Saint Peters Pkwy
Saint Charles

Select Insurance Group

2046 Queens Brooke Blvd, Ste 100 B
Saint Peters

Senior Health Direct

719 E. Grand River Ave.

SHELTER INSURANCE

8766 VETERANS MEMORIAL PKWY
O Fallon

SHELTER INSURANCE

1049 E TERRA LN
O Fallon

SIEBERT AGENCY LTD

520 GRAVOIS
Fenton

ST CHARLES INSURANCE

4600 Executive Centre Pkwy
Saint Peters

STATE FARM INSURANCE

1778 N NEW FLORISSANT RD
Florissant

STATE FARM INSURANCE

8084 WATSON RD
Saint Louis

STATE FARM INSURANCE

8621 MEXICO RD
O Fallon

STATE FARM INSURANCE

8634 VETERANS MEMORIAL PKWY
O Fallon

STATE FARM INSURANCE

2299 TECHNOLOGY DR
O Fallon

STATE FARM INSURANCE

2713 HIGHWAY K
O Fallon

State Farm Insurance - Travis Hesser Agency

13603 Barrett Office Dr Suite 102
Ballwin

Steck-Cooper & Co.

2810 Frank Scott Pkwy W

Steinlage Insurance Agency

10890 Veterans Memorial Pkwy
Lake Saint Louis

STL Insurance Stop

10345 Page Ave.
Overland

The Darden Agency

16100 Chesterfield Pkwy W Ste 355
Chesterfield

The Hopper Agency

Saint Charles

The Monigan Group

4020 Green Mount Crossing

The Stobbe Agency

10707 Allegheny Pass

Thermo Science LLC

5314 Mirasol Manor Way
Eureka

TRENT MASSEY AGENCY

133 SNAKE RIVER DR
O Fallon

United Adjusters

26321 S Westlake Dr
Harrisonville

United Health Care

PO Box 30555

VANTAGE CREDIT UNION INVESTMENT SERVICES GROUP

11520 SAINT CHARLES ROCK RD
Bridgeton

VICKI MYERS AGENCY

521 JEFFCO BLVD
Arnold

WAYNE HILZINGER AGENCY INC

5520 TELEGRAPH RD
Saint Louis

WESSELL INSURANCE

1676 BRYAN RD
O Fallon

William Bluemel Insurance Specialist

755 S New Ballas Rd
Creve Coeur

Wolk's Insurance Agency - Farmers Insurance

817 Mary Meadows Lane
Saint Louis

WRIGHT FINANCIAL INC

1980 OLD BUCK CREEK RD
Festus

YourHealthCarriers

755 South New Ballas Rd
Saint Louis

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