A Local Insurance Agent for Lake Saint Louis, MO, Opening Soon

Next door to Lake Saint Louis

Lake Saint Louis borders Wentzville, near where I-70 and I-64 meet, and it was planned around two private lakes. Firstway is a new independent insurance agency opening soon in Wentzville. We aren't quoting or selling policies yet.

Lake Saint Louis is mostly residential, so this page concentrates on what a homeowner here should know about their coverage.

Lake homes, docks and boats

A home on or near the water raises questions that a typical subdivision house doesn't.

Docks and seawalls. A dock is usually treated as an 'other structure' under a homeowners policy, and other structures carry a lower limit than the house. Seawalls and retaining walls are often restricted further. If you have either, look at how your policy handles them.

Boats. Homeowners policies give very limited coverage to watercraft. Most boats with a motor of any size need their own boat policy, for both damage to the boat and liability on the water.

Golf carts. A golf cart used around the community is another item homeowners policies treat narrowly once it leaves your own property.

Water. Rising lake water is flood, and flood is excluded from standard homeowners policies. It is covered only by a separate flood policy.

Auto insurance here

Lake Saint Louis sits at the junction of I-70 and I-64, and many residents commute east on one or the other. Mileage and commute distance are among the things insurers ask about. Our auto insurance page covers Missouri's requirements, and the home and auto bundle page explains keeping both with one company.

Learn the basics before we open

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