A Local Insurance Agent for St. Charles, MO, Opening Soon

An independent agency for St. Charles

St. Charles is the county seat and the oldest city in the county, set on the Missouri River at its eastern edge. Firstway is a new independent insurance agency opening soon in Wentzville. We aren't quoting or selling policies yet.

This page is for households in St. Charles. Business owners will find more on our commercial insurance page, which is written with St. Charles businesses in mind.

Old homes and new ones

Few places in the county have a wider range of housing. Around Main Street and Frenchtown there are brick homes well over a century old; farther west and north there are subdivisions built in the last few years.

Older homes need particular care. Rebuilding plaster walls, brick and period millwork costs far more than standard construction, so the dwelling limit and the way the policy settles a loss both matter. Insurers also ask about wiring, plumbing and heating, and may want to know when each was last updated.

For newer homes, the questions are more often about replacement cost on belongings, the wind and hail deductible, and whether the limit has kept up with building costs.

Close to the river

Parts of St. Charles lie along the Missouri River. Standard homeowners policies generally exclude flood, and it is covered only by a separate flood policy. If you're near the riverfront or low ground, check your address on FEMA's flood maps.

Learn the basics before we open

Our guides to home insurance and auto insurance explain each type of coverage in plain language, and the bundle page covers keeping both with one company.