A Local Insurance Agent for Troy, MO, Opening Soon

Down the road from Troy

Troy is the county seat of Lincoln County, north of Wentzville on Highway 61. Firstway is a new independent insurance agency opening soon in Wentzville. We aren't quoting or selling policies yet.

To be clear, Firstway is not in Troy. Our base is Wentzville, roughly twenty minutes south. When we open, we'll work with Troy and Lincoln County households by phone, email and e-signature, and in person in Wentzville for anyone who prefers that.

Homes with land

Lincoln County has more acreage, outbuildings and rural property than the St. Charles County suburbs, and that changes the insurance conversation.

Outbuildings. Pole barns, detached shops and sheds are 'other structures', which carry a lower limit than the house. A large shop full of equipment can exceed it.

Equipment. Tractors, UTVs and similar machines are often covered narrowly, or only while on your own property.

Farming. A homeowners policy is written for a residence. Property used for farming or to raise livestock for income may need a farm policy instead.

Distance from a fire station and hydrants is also something insurers consider for rural homes.

Driving Highway 61

Many Troy residents commute south on Highway 61 to Wentzville, O'Fallon and beyond, and longer commutes mean more miles for insurers to account for. Deer are a regular hazard on county roads; hitting one is covered under comprehensive, not collision. Our auto insurance page explains the difference.

Learn the basics before we open

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