St. Louis

About St. Louis

Insurance in St. Louis, MO

Inszone writes insurance in St. Louis, MO from our office at 2262 Union Rd. The office is on Union Road in south St. Louis.

This office was First Bosnian Insurance Agency, founded in 2005 to serve the area’s Balkan and Eastern European community, and it joined Inszone in August 2022. Clients who search for the old agency by name are looking for this office.

As an independent agency we work with many insurance companies in St. Louis, MO rather than one, which lets us compare options at each renewal. In a metro this size, a driver, a landlord and a trucking company rarely fit the same market.

Buy your insurance in St. Louis, MO!

Personal Insurance in St. Louis, MO

For St. Louis households the core lines are homeowners, renters, landlord, condo and auto policies, with personal umbrella, motorcycle, boat, RV and classic car policies placed through Inszone’s personal lines team. Life and health insurance in St. Louis are quoted through Inszone’s wider team and its benefits team. Dijana Orescanin is the Renewal Specialist in this office, and each renewal is a chance to compare carriers.

Drivers comparing car insurance in St. Louis, MO start with what Missouri requires: liability limits of $25,000 per person, $50,000 per accident and $25,000 for property damage, plus uninsured motorist coverage at $25,000 and $50,000. Underinsured motorist coverage is optional, though insurers must offer it. Quotes also depend on annual mileage and the commute, whether that is I-55, I-44 or I-64.

Wind and hail shape home insurance in St. Louis, MO. The May 16, 2025 tornado, an EF-3 that crossed St. Louis County and St. Louis City, was the widest tornado recorded in the region since 1950. Many Missouri home policies carry a separate wind and hail deductible and rate the roof by age, so a roof’s age and condition can affect the quote, and an insurance specialist can walk through how your current policy is set up.

Earthquake and flood are excluded from standard homeowners policies and are written separately. The New Madrid seismic zone lies in Missouri’s southeast corner, and St. Louis sits where the Missouri and Mississippi rivers meet. Flood insurance is available through the National Flood Insurance Program and through private carriers.

Tenants and landlords need different policies. Renters insurance in St. Louis, MO is a policy for a tenant’s belongings and liability, written apart from the landlord’s building policy, while a landlord policy is written for the building itself.

Business Insurance in St. Louis, MO

Trucking is part of this office’s history, since the agency it grew out of added trucking operations and small businesses to its personal lines book. Trucking insurance usually starts with primary liability on the trucks, and cargo and physical damage terms are often set by contract or lender requirement. Federal rules set a $750,000 liability minimum for for-hire carriers of non-hazardous freight in interstate commerce with vehicles of 10,001 pounds or more, and a specialist can match a program to the authority and contracts a carrier holds.

Other St. Louis businesses can start here too. General liability, commercial property, business owner’s policies, commercial auto, cyber and professional liability, and bonds are placed through Inszone’s commercial team, with this office as your starting point, and Alma Hadzikadunic is the Commercial Lines Account Manager here. Group health and other employee benefits are quoted through Inszone’s benefits team.

Missouri requires workers’ compensation once an employer has five employees, and builders and contractors who erect, alter, demolish or repair structures need it from the first. The FAQ below has the details.

Inszone Insurance agency near me

Our insurance agency in St. Louis, MO is open Monday to Friday, 8:00am to 5:00pm. Call 314-353-4400, use the quote form on this page, or come by 2262 Union Rd.

Inszone works as an independent insurance broker in St. Louis, MO, placing households and businesses with the carriers that fit them. We also work with clients in Affton, Mehlville, Lemay, Kirkwood and Sunset Hills, and across St. Louis County.

Whether you are adding a truck to a fleet, weighing a roof’s age against a hail deductible, or moving into a first apartment, our insurance specialists can talk through the options available for your situation.

Get your free insurance quote!

FAQs

What are the minimum auto insurance requirements in Missouri?

Missouri requires liability limits of at least $25,000 for injury to one person, $50,000 per accident and $25,000 for property damage, and uninsured motorist coverage of $25,000 per person and $50,000 per accident. Underinsured motorist coverage is optional, though insurers must offer it. If a claim runs past the limits, the balance falls to the driver, and a specialist can show how higher limits are quoted.

Are earthquake and flood excluded from a homeowners policy in St. Louis?

Yes. A standard homeowners policy excludes both, and each is written as a separate policy. Earthquake coverage is typically written with a percentage deductible, and flood coverage is available through the National Flood Insurance Program and private carriers. Wind and hail are generally written under the homeowners policy, often with their own deductible, and a specialist can show how yours is set.

Does my St. Louis business need workers’ compensation insurance?

Missouri requires it once an employer has five or more employees. Builders and contractors who erect, alter, demolish or repair structures must carry it from the first employee. Farm labor, domestic servants and certain real estate agents are exempt, and LLC members and family employees are presumed covered unless they opt out. A specialist can check which side of the line a business falls on.

What insurance does a trucking company need in Missouri?

Federal rules set a $750,000 liability minimum for for-hire carriers of non-hazardous freight in interstate commerce with vehicles of 10,001 pounds or more. Cargo and physical damage terms are often set by the contracts and lenders involved rather than by the state. A specialist can match a program to the operating authority a carrier holds and the contracts it signs.

Is this the same office that was First Bosnian Insurance Agency?

Yes. First Bosnian Insurance Agency, founded in 2005, joined Inszone in August 2022, and this St. Louis office carries on that agency’s work from 2262 Union Rd. The office number is 314-353-4400.

How do I get a quote from your St. Louis insurance office?

Call 314-353-4400 or use the quote form on this page, and come by 2262 Union Rd if you would rather do it in person. For a home or car, have your current declarations page to hand. For a truck fleet, bring your unit list, radius and operating authority. For another business, bring your revenue, payroll by class code and recent loss runs.