I have been serving my community since 1997 as a First Responder. Now I use that same dedication to help you find the right insurance coverage for your needs — so you can protect what matters most.
Honesty has always been our policy.
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I have been serving my community since 1997 as a First Responder — and now as your trusted insurance agent. My experience as a firefighter has given me a unique understanding of what happens after a life-changing event strikes. I help you understand your coverage options so nothing catches you off guard.
We are a St. Louis-based agency committed to finding the right coverage at the best value. We partner with 15 top carriers — Farmers, Foremost, Bristol West, Progressive, National General, Travelers, Safeco, Hagerty, US Assure, Homeowners of America, Access ONE80, Openly, Tapco, USLI, and American Home Shield — giving us the flexibility to shop around on your behalf for the best fit.
We proudly serve homeowners, businesses, and families across the entire St. Louis metro area — including Webster Groves, Brentwood, Chesterfield, Ballwin, Kirkwood, Maplewood, Richmond Heights, University City, and throughout St. Louis County, Jefferson County, St. Charles County, and Southern Illinois.
I am licensed to sell insurance policies in all of Missouri and Illinois, so whether you live on one side of the river or the other, you have coverage options that work for you.
Whether you need homeowners insurance, auto insurance, renters insurance, business insurance, life insurance, umbrella policies, or specialty coverage for motorcycles, boats, and RVs — I'm here to help. Stop by, call, or reach out online for a free quote.
We match St. Louis residents with the right policy from the right carrier.
Your car is one of the things you use every day — make sure it’s protected. Whether you’re driving a daily commuter, a newer SUV, or an older model on the St. Louis roads, we compare rates across multiple carriers to find auto insurance that covers liability, collision, comprehensive, and uninsured motorist protection. We also handle multi-driver households, teen drivers, and fleet vehicles for local businesses. Most drivers save hundreds just by getting a comparative quote instead of renewing blindly.
Your home is your biggest asset — protect it against fire, storm damage, theft, vandalism, and liability claims. St. Louis weather brings hail, tornadoes, and flooding; that’s why we walk you through every coverage option including dwelling protection, personal property, loss of use, and additional living expenses. We also help with flood insurance, umbrella policies, and replacement-cost vs. actual-cash-value choices so you know exactly what’s covered before a claim hits.
Running a business in Missouri means protecting your assets, employees, and reputation. We help local businesses — from general contractors and landscapers to retail shops and service providers — find commercial general liability, professional liability, workers’ compensation, auto fleet coverage, cyber liability, and bonds. Whether you’re starting a new venture or consolidating existing policies, we compare carriers so you get the right protection at a price that keeps your bottom line intact.
Life is unpredictable — a solid plan gives your family peace of mind. We offer term life, whole life, and index universal life policies through our carriers, matching coverage directly to your budget and timeline. Whether you want to protect your mortgage, ensure your children’s future, or explore how permanent cash value can serve as a tax-advantaged asset in your broader financial plan, we’ll walk through the numbers with you. No pressure, just clear options.
If your home, car, or savings could be at risk from a lawsuit, an umbrella policy is the cheapest line of defense. It sits on top of your existing auto and homeowners coverage and adds $1–$5 million in extra liability protection — often for just a few hundred dollars a year. We recommend it for homeowners, drivers with multiple vehicles, and anyone who has built up savings or investments they want to shield.
Standard auto insurance doesn't always fit motorcycles, boats, RVs, or classic cars. We work with Farmers, Hagerty, Progressive, Foremost, and other specialty carriers to cover everything from weekend cruisers to travel trailers, watercraft, and off-road vehicles. Collector cars can be written on agreed-value policies so you never deal with depreciation at claim time. If it carries an engine and matters to you, we'll make sure it's covered.
Every driver's needs are different. Here's what you need to know before choosing a policy:
Pays for damage you cause to someone else's vehicle or property, or injuries to others. Required in nearly every state.
Repairs or replaces your own vehicle after an accident with another car, animal, or object like a tree or pole.
Covers everything collision doesn't — theft, vandalism, hail, fire, flooding, and falling objects.
Accidents happen — cracked screens, water damage, lost devices. Device protection covers smartphones, tablets, and more starting at just a few dollars a month.
Learn About Device ProtectionAnswers to the questions St. Louis residents ask most.
The average auto insurance premium in Missouri is around $1,800–$2,200/year, but your actual rate depends on your driving record, vehicle type, coverage levels, and ZIP code. We shop 15 carriers so you never overpay — many drivers save hundreds just by getting a comparative quote.
With the Mississippi and Missouri Rivers nearby, several parts of St. Louis County and Jefferson County sit in FEMA flood zones. Even if you're outside a high-risk area — standard homeowners policies don't cover flood damage. We can add an NFIP or private flood policy starting around $400/year.
We partner with 15 top-rated carriers — including Farmers, Progressive, Travelers, Safeco, Hagerty, and more. That means we can actually compare rates side by side instead of just selling you one company's product.
Yes — most carriers offer a multi-policy discount (typically 8–25%) when you bundle home and auto. With access to multiple carriers, we find the combination that gives you the biggest savings while still covering what you need.
An umbrella policy adds extra liability coverage on top of your home or auto insurance — typically $1 to $5 million for a few hundred dollars a year. If you own a home, have investments, or drive frequently, it's one of the cheapest ways to protect your assets from a lawsuit.
Classic and collector vehicles need agreed-value policies, not standard auto coverage. We work with Hagerty and other specialty carriers that guarantee the value you set — so if your classic is totaled, you get exactly what was agreed on, no depreciation.
Yes — getting a quote from us costs nothing and comes with zero obligation. Call (314) 806-1570, email us, or fill out the form and we'll put together options for you.
We'd love to help you find the right coverage.
4817 Oleatha Ave
St. Louis, MO 63116
Mon–Fri: 8:30 AM – 5:00 PM
(Central Time)
Real reviews from St. Louis homeowners, drivers, and business owners.
"Matt took the time to explain every coverage option without pushing me into something I didn't need. As a small business owner from the St. Louis area, I appreciate honesty — and that's exactly what you get here. He saved me money switching from my previous carrier."
"We were shopping for homeowners and auto insurance after moving to Chesterfield. Matt compared quotes from multiple companies and got us both better coverage and a lower premium than what we were paying before."
"I run a small landscaping business and needed liability plus auto fleet coverage. Other agents told me it would be expensive — Matt found a carrier that had everything covered at a price I could work with."
"When my car was totaled, Matt walked me through the whole claims process step by step. He called the adjuster for me, made sure I got a rental, and I never felt stressed about it. That's what a real agent does."
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