A Local Insurance Agent for Chesterfield, MO, Opening Soon

Across the bridge from Chesterfield

Chesterfield is in West St. Louis County, where I-64 crosses the Missouri River into St. Charles County. Firstway is a new independent insurance agency opening soon in Wentzville. We aren't quoting or selling policies yet.

Firstway isn't in Chesterfield. We're based in Wentzville, farther west along I-64, and St. Louis County is part of the area we'll serve.

Higher-value homes

Chesterfield has many larger and custom-built homes, and the bigger and more individual the house, the more the details of a policy matter.

Rebuilding cost. Custom finishes, masonry and complex rooflines cost more to rebuild than standard construction, so the dwelling limit should come from a rebuilding estimate and not from the home's market price.

Valuables. Homeowners policies cap what they pay for jewelry, art, firearms and collectibles. Items worth more than the cap can be listed individually.

Liability. Households with more to protect often carry a personal umbrella policy, which adds liability coverage above the home and auto policies.

The Valley

Chesterfield Valley, the commercial district along the Missouri River, was under water in the flood of 1993 and is protected by a levee today. Businesses and property owners there should be clear on one point: commercial property policies, like homeowners policies, generally exclude flood, and flood coverage is bought separately. Our commercial insurance page explains how business coverage fits together.

Learn the basics before we open

Our guides to home insurance, auto insurance and commercial insurance explain each type of coverage in plain language.