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F
"* Gave conflicting information on how to pay premiums * Web site does not work, so I cannot log in to see my account * Hold times are outrageous * After multiple" phone calls, problem was not resolved *I visited their office in person and was assured they knew what the glitch was and would fix it and call me back the next day *After the office visit I was able to log in to my account once, and it showed no payments. I can no longer log in to my account. *No one ever called me back, after nearly 2 weeks. I left additional messages during this time and complained on Facebook, where I was assured I would get a call back that same day. *In March, a healthcare provider called to verify my policy and was told it had been canceled Feb. 1 (this is how I found out). *When I called OHC after that to see what was going on, they told me I was "ineligible" - though earlier that day they had accepted credit card payment for another month. *In early March, one of my healthcare providers said she had sent in an application to accept OHC weeks ago and had not heard back. Since I checked to make sure my providers would be accepted by this policy before I chose it, this makes me think their provider list is more wishful thinking than truth. Dealing with them has been an absolute nightmare. Though I have paid 2 months of premiums I have no health insurance to my knowledge and even visiting the office in person did not get results. I was pretty excited about getting health insurance from a nonprofit, but I think if people weren't locked in for a year with them, they would have already gone under. The incompetence is staggering.

-JILL N.

F
"I was silly enough to do all the cleaning, painting, etc., without even considering if insurance might cover at least some of it! "My bad." But, within" a month, when I recovered from the emotional trauma (it was a friend of mine's kid and his girlfriend in their mid-twenties who had rented, and then "trashed" the condo), I went "wait a minute".... I have insurance on the place?"! So about two months after the damage occurred, I went to my insurance agent's office---only a mile from my home. He was not there as was per usual. HIs assistant was, as was per usual. I forget her name. But she had been strange in the past...One time, when I'd asked to have a copy of all my policies and their prices--- so that I could review what I was paying yearly-- she was all but hostile. She asked me "why" I "wanted" it. I said, I was just doing my own bookwork. She had a sour look on her face as she just turned to her computer and started typing. She did not speak a word to me during rest of that visit--- (could it be she thought I was scouting around for other competitive insurance prices...?). She printed the papers out-- gathered them tersely from the printer (again without looking at or speaking to me). When she handed the print-outs to me in a
, I had to ask her if I could borrow her stapler. (!) She stapled them and dropped them in front of me. I then thanked her and went into the "lobby" where I stood quickly glancing through them. She came immediately to the threshold of her office looking into the lobby (door open) and said with barely
hostility: "Is there something else I can do for you?" I left promptly. So when I dropped in last summer to check on my coverage regarding the "trashed" condo and saw right away that she was the only one in the office, I thought about turning around and leaving! But, my rational self said: "Wait a minute; this is your insurance company that takes money out of your account to the tune of thousands a year...has taken thousands out of your pocket for twenty-some years...and you've never had a claim. They have never paid a dime in all those years for any claims whatsoever. Here I was about to duck away because the assistant---not the broker himself but some woman he pays salary or by the hour...has been intimidating to me? Uh uh, I decide. I go in. I sit down. She's not friendly as usual. She's facing her computer as I explain the condo situation to her. This is what she says (I kid you not) after I've finished describing the problem to her. "Do you think you need a lawyer?" To me, this is like the dentist you've been paying monthly for years suggesting you might want to call an acupuncturist when you mention tooth pain. So, on to
: I caught up with him eventually in his office to tell him how disappointed I was in his assistant, State Farm...and him! He said something to the effect of 'sometimes personalities clash.' Whoa. So her personality and mine were at odds? I have no idea what he might have been thinking... I was the customer who paid the money. He was the "Agent." His assistant was not helpful or nice in the event of my needing to finally maybe use their services as a company. ...... So I tell him I'm forced to... not just wanna sorta maybe... but
.... get another Insurance Agent and company. (I need a root canal from my dentist (?) I don't expect the dentist's assistant to suggest I call a
Shui practicioner)...! He says he's sorry ... wants to retain my business...etc. He agrees to get an investigator out to take pics of the condo. I also have pic's I can send him which he agrees I should send to him. The person who will be taking pics, investigating, will call me asap. Nobody calls in the first week after that. They do not call in the second, and third, and fourth and fifth week... Bad enough. But I cancel the insurance in mid-October. I get bills in November, December and January. I pay my insurance to State Farm to December 2014...just to be safe...even while I'm covered (car, house, property, etc.) by new insurance company since October. When new insurance co. sends statement to State Farm that my insurance kicked in in October, as per my request---to give further and final proof to
that I am owed a refund for the months after October 11th 2014, I get no response.
,
, nothing from
's office. I don't expect to hear from him --- well--- except maybe if he wants more money from me for nothing!

-Barbara O.

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Whether you're moving across the country or just around the corner, you may want to consider moving insurance. But is it really worth the cost?

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 St. Louis

F

Rating
My wife and I were sent to this agency for a "courtesy stamp" about a week ago. They were far from courteous. I walked into the agency and told the woman behind the desk that my insurance agency had made arrangements with a woman named
St. Louis Insurance Companies Provider Name Locked
for us to get a courtesy stamp. She told us to have a seat and she'd get her. As we're sitting their we hear what sounds like an extremely frustrated young woman telling this woman that
St. Louis Insurance Companies Provider Name Locked
is at lunch and she guesses she'll have to take care of it. This young blonde woman comes out, doesn't even
St. Louis Insurance Companies Provider Name Locked
my husband or I and pretty rips the papers out of my hand. She then stormed away and we heard her yelling from her office that she couldn't find the paper work, which was in perfect order a minute before when she ripped it out of my hand. She finally managed to find it and stamp it. Then stormed back out of her office again not making eye contact or acknowledging my husband or I in any way and throws the papers down on the front desk. The woman behind the desk asks her, not us, quite rudely do they know they have to pay? The young blonde woman then looked at us like we were couple of pieces of s*** under her shoe, rolled her eyes and stormed away. The woman behind the desk then rudely said to us ya know you have to pay for this. I said yes I know it's $ 25.00 right? She took my money with out another word to either of us.
Customer Service Is Apparently Not Really Their Thing!!!
- Brian L.
A

Rating
I recently got married and decided to start fresh with all out insurance needs and contacted the
St. Louis Insurance Companies Provider Name Locked
because of the positive reviews here. I was not disappointed! He saved us 100s over what we were paying and even though the homeowners was about the same amount of money, the coverage was much, much better and with a lower deductible as well. All communications were very friendly and inquires promptly responded to. Overall a great experience involving something most people dread dealing with.
- BRIAN M.
F

Rating
They are a rotten, unaccountable company that does not serve its customers at all! Their vendors (all of whom seem to hate working with
St. Louis Insurance Companies Provider Name Locked
Shield; I witnessed two separate plumbers begin refusing to work with them in the brief time I tried to use their service) no-show appointments, and when they do show up, AHS can ask for a second opinion, I our case from a plumber who is no longer contracting with AHS! I found them incredibly difficult to get any straight answers from. I simply could not get our maintenance issues fixed. We got no value at all from our deluxe protection,plan and are now fighting with them to cancel after just two months of useless coverage. Horrible, predatory company. Stay away! Fellow members, protect yourself and avoid at all costs!!
- Joshua J.
N

Rating
St. Louis Insurance Companies Provider Name Locked
is always very helpful. They go out of their way to help me find the most cost effective plans and provide understandable explanations.
- Jennifer O.
A

Rating
When I first moved to Texas, I needed to switch over my auto insurance, and started working with
St. Louis Insurance Companies Provider Name Locked
--he, along with his assistant,
St. Louis Insurance Companies Provider Name Locked
, was extremely responsive, and the team constantly searched to find me the best insurance at the most reasonable prices. There aren't many insurance agents who will continue looking for cheaper options even after you've agreed to purchase a policy through them, but
St. Louis Insurance Companies Provider Name Locked
is that kind of guy. Long story short, since my initial work back in 2008, I have moved from Dallas to Houston, gotten married, purchased a home, and had a child, and every step of the way, I have worked with
St. Louis Insurance Companies Provider Name Locked
and
St. Louis Insurance Companies Provider Name Locked
. They will always be my first call for insurance, and I know I can trust that they're getting me a fair rate. Customer service is outstanding: I've never had to wait more than an hour to hear back from
St. Louis Insurance Companies Provider Name Locked
or
St. Louis Insurance Companies Provider Name Locked
regarding a question, and all my requests have always been handled the same day they are made. Their orices vary, but have always been reasonable.
- Ty D.
F

Rating
In more than 15 years with
St. Louis Insurance Companies Provider Name Locked
, I had three claims. One was a major burglary, and the other two were auto accidents. In the burglary my home sustained major damage, and the insurance response to that was excellent. Their contractor came in and quickly addressed the damage to my satisfaction. In the burglary, thousands of dollars of items were stolen and never recovered. I had to fight tooth and nail with State Farms Claims agents for every dollar on every item that was stolen. Every time I would submit information substantiating the value of what was stolen, they would propose replacing it with something of half the value. Given how traumatic the burglary itself was, the way they handled this claim was a nightmare for me. I felt just as traumatized by their byzantine process, and their rotating team of impersonal claims officers as I was by being robbed.
A few years later, a few days after my father died, I backed into a post, which put my first at fault accident on my record. Almost three years later, a bizarre accident occurred in eastern
St. Louis Insurance Companies Provider Name Locked
, in which I was hit from behind by a pickup, and
St. Louis Insurance Companies Provider Name Locked
agreed with the other driver's insurer that I was at fault. There was an obscure
St. Louis Insurance Companies Provider Name Locked
court decision they said, which they could not argue against. Okay. Then, on the very last day in which I had two accidents on my record, they cancelled my insurance, thus forcing me to obtain new insurance with two accidents still on my record within three years. This drove my annual premium up by 200%. They could not have penalized me more for my 15 years of loyalty to their company. Needless to say, I'd never go back.
My agent,
St. Louis Insurance Companies Provider Name Locked
, never lifted a finger on my behalf, nor even expressed sympathy during these incidents.
- Neil B.
A

Rating
It went great.
St. Louis Insurance Companies Provider Name Locked
roadside came to my house to jump start my car when the weather was way below zero. They even brought a new battery in case I needed a new one. They also did a diagnostic test on my battery to see if i needed a new one. I did not need a new battery at this time. When I called for the service I was asked if I was safe. That made me feel very comfortable and safe by asking this question. Later that day I was at a friends home and he got his truck stuck in the ditch off of his driveway. They came out and towed his truck out in a timely manner. For my one year membership of only $52 I feel like I have a great security blanket for if I was brokedown, had a flat tire, lock my keys in the car or run out of gas. Thank you
St. Louis Insurance Companies Provider Name Locked
for such a great service at a great price.

- Schasta W.
A

Rating
I was looking for home insurance before closing on my new home.
St. Louis Insurance Companies Provider Name Locked
Hristova went above and beyond to ensure I received the possible quote and ensured to follow up daily until my closing. She was courteous, professional and provided detailed information of the coverage.
I've contacted another three insurance brokers but I'm still waiting for the answers. I guess that's their loss because I'm insuring all my properties through
St. Louis Insurance Companies Provider Name Locked
.
- Mariano C.

Insurance Companies in St. Louis, 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 Roadside Assistance

12901 N 40 Dr
Saint Louis

AAA TRAVEL

3917 LINDELL BLVD
Saint Louis

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

ACME INSURANCE EXCHANGE

4435 N US HIGHWAY 67
Florissant

AFFORDABLE HEALTH INSURANCE

267 CLARKSON EXECUTIVE PARK
Ballwin

Alexandra Mazzant, Country Financial

17000 Baxter rd
Chesterfield

ALL INSURANCE NO FEES

12060 MANCHESTER ROAD
Saint Louis

AllAmerican Insurance

1359 Oak Borough Dr
Ballwin

Allegiant Group Inc

189 W Clarkston Rd

ALLSTATE INSURANCE

5545 Terrace View Ct
Saint Louis

ALLSTATE INSURANCE CO

976 University Dr # A

Allsup Inc

300 Allsup Pl

Alternatives INS of St Louis

9201 Watson Rd
Saint Louis

ALTERNATIVES INSURANCE

4127 UNION RD.
Saint Louis

ALTERNATIVES INSURANCE

664 N CREEK DR
Festus

Alternatives Insurance of Des Peres

1610 Des Peres Rd, Ste 150
Des Peres

Always Open Bail Bonds

31 Juno Dr
Wentzville

American Family Insurance - Daniel S Fowler

5647 TELEGRAPH RD
Saint Louis

AMERICAN INCOME LIFE INSURANCE

13545 Barrett Pkwy Dr
Ballwin

Ameriprise Financial Inc

825 Maryville Centre Dr
Chesterfield

Aon Innovative Solutions Inc

1795 Clarkson Rd
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

321 Seahawk Dr
Lake Saint Louis

Blankenship Insurance

509 E Main
Park Hills

BRIDGES & ASSOC

PO BOX 150113
Saint Louis

BROKER'S CHOICE

4000 WOODSON RD
Saint Louis

Brown Smith Wallace

6 CityPlace Drive, Suite 900
St Louis

Cardinal Advisors

117 Edinburgh South Drive Suite 280

Careington Care 500 Plan

7400 Gaylord Pkwy

CDS Group Financial Services LLC

1107 Mississippi Ave
Saint Louis

Choice Home Warranty

1090 King Georges Post Rd

Cloverleaf Insurance Agency

763 West Terra Lane
O'fallon

Complete Appliance Protection Inc

1532 NE 96th St
Liberty

Country Financial

239 Chesterfield Ind Blvd
Chesterfield

COUNTRY Insurance and Financial Services

4200 N CLOVERLEAF DR
Saint Peters

Crane Insurance Agency

310 Easton St Suite 230

CRAWFORD BUTZ INSURANCE

9700 MACKENZIE RD
Saint Louis

CW Insurance Agency, LLC

PO Box 2342
Florissant

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

DEWITT INSURANCE

763 West Terra Lane
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

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

4680 WILSHIRE BLVD

FARMERS INSURANCE GROUP

9147 WATSON RD
Saint Louis

Farmers Insurance Group

144 Timberidge Drive
Saint Peters

FIRST COMMAND FINANCIAL PLANNING

12813 Flushing Meadows Dr Ste 270
Saint Louis

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

Greenpoint Insurance Advisors

16024 Manchester Rd Ste 200
Ballwin

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

HEALTHLINK

PO BOX 419104
Saint Louis

Heartland Insurance

2451 Executive Drive, Ste 200
Saint Charles

Hovis & Associates

998 E Gannon Dr
Festus

Hovis & Associates

12660 Lamplighter Square Shopping Center
Saint Louis

Hovis & Associates

120 N Main St
De Soto

INSURANCE CONCEPTS OF ST LOUIS

8460 WATSON RD
Saint Louis

Insurance Consultants Group

427 W Terra Ln
O Fallon

INSURANCE STORE INC

1415 ELBRIDGE PAYNE RD
Chesterfield

Insure Your Wine

4512 Manchester Ave, Suite 300
St. Louis

J. Black Agency

2188 N Waterford Dr
Florissant

Jacobson Financial Group Investments & Insurance

3401 Technology Dr Ste 140
Lake Saint Louis

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

JEAN STRYKER

13345 OLIVE BLVD
Chesterfield

Jeff Wright Agency

12250 Weber Hill Rd. #300
Saint Louis

Jim Lyons Insurance Agency

420 W US Highway 40

John Crady American Family Insurance

1339 Caulks Hill Rd
St Charles

K & A Medical Case Management

14368 Manchester Road, Suite 200
Ballwin

Kaufman's Insurance Agency of Farmers

1425 Triad Center Dr
Saint Peters

Kwesi O J Akpore Insurance Agency

111 Church St
Saint Louis

Lang Insurance

3920 S Old Hwy 94
Saint Charles

Lanham Agency LLC - Nationwide Insurance

15005 Manchester Rd.
Ballwin

LIBERTY MUTUAL INSURANCE

5585 PERSHING AVE
Saint Louis

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

MARK SOLOMON INSURANCE

412 N Main St
De Soto

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)

Milburn Agency

100 Rue St Francois
Florissant

MIXON INSURANCE

210 COLLINSVILLE AVE

NBC, Inc.

470 Forest Ave

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

POWERSGROUP INC

7745 CARONDELET AVE
Saint Louis

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

207 N MAIN ST STE214

Primerica Financial Services

11600 Adie Rd # 200
Maryland Heights

PropertyUpkeep

3410 Brunswick Dr
Florissant

Provident Insurance Agency, LLC

2875 Patterson Rd
Florissant

Renaud & Company LLC

793 W. Terra Lane
Ofallon

S P Johnson Group

2025 Delaware Ave

SAFECO INSURANCE

1400 S Highway Dr
Fenton

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

516 GRAVOIS RD
Fenton

SIEBERT AGENCY LTD

520 GRAVOIS
Fenton

ST CHARLES INSURANCE

4600 Executive Centre Pkwy
Saint Peters

STAR INSURANCE INC

8 THE PINES CT
Saint Louis

STATE FARM INSURANCE

1778 N NEW FLORISSANT RD
Florissant

STATE FARM INSURANCE

8084 WATSON RD
Saint Louis

STATE FARM INSURANCE

11960 WESTLINE INDUSTRIAL DR
Saint Louis

Steck-Cooper & Co.

2810 Frank Scott Pkwy W # 804

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

THRIVENT FINANCIAL

625 Maryville Centre Dr Ste 100
Saint Louis

Travis Hesser - State Farm Agent

13603 Barrett Office Dr Suite 102
Ballwin

United Adjusters

26321 S Westlake Dr
Harrisonville

United Health Care

PO Box 30555

USAA Bank

PO Box 33490

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

William Bluemel Insurance Specialist

755 S New Ballas Rd
Creve Coeur

Wolk's Insurance Agency - Farmers Insurance

817 Mary Meadows Lane
Saint Louis

WOTTOWA INSURANCE INC

3220 N ILLINOIS ST

WRIGHT FINANCIAL INC

1980 OLD BUCK CREEK RD
Festus

YourHealthCarriers

755 South New Ballas Rd
Saint Louis

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