The Top Insurance Companies in St. Joseph, MO

St. Joseph, Missouri is home to a thriving insurance industry, with many reputable companies offering a range of policies to residents and businesses. This article provides an overview of the top insurance companies in St. Joseph, MO, looking at the types of insurance they offer, their customer service reputations, and what makes them stand out.

Auto Insurance Providers

When it comes to auto insurance, St. Joseph drivers have several excellent options:

Nationwide

With a local office located right in St. Joseph, Nationwide has been serving the community’s auto insurance needs for years. They offer standard coverages like liability, collision, comprehensive, and uninsured motorist, as well as add-ons like roadside assistance, rental reimbursement, and accident forgiveness. Nationwide is known for good customer service, convenient online account management, and discounts for bundling home and auto policies.

Allstate

This nationwide insurance provider has an office on King Hill Avenue staffed by local agents. Allstate provides the expected auto coverages along with extras like rideshare coverage and new car replacement. They have a strong reputation for claims satisfaction and offer many discounts for things like safe driving, good students, and buying multiple policies.

American Family Insurance

Headquartered in Madison, Wisconsin, American Family writes policies through local agencies like the one on North Belt Highway. They offer standard auto coverages as well as roadside assistance, rental reimbursement, and custom parts coverage. American Family is praised for fast claims handling and high customer retention rates.

Shelter Insurance

With roots in Missouri and a long history in St. Joseph, Shelter Insurance provides local service and competitive rates. They offer the standard auto coverages most drivers need, along with options like rental reimbursement, rideshare coverage, and new car replacement. Shelter is known for outstanding claims service.

State Farm

The St. Joseph State Farm office provides the nation’s largest auto insurer’s full range of quality coverages. That includes liability, collision, comprehensive, rental coverage, roadside assistance, rideshare coverage, and more. State Farm has an excellent reputation for claims satisfaction and policyholder retention.

Home Insurance Providers

For homeowners and renters insurance, St. Joseph residents can look to these top insurers:

Travelers

This national insurance brand is represented in St. Joseph by the McNary Insurance Group. Travelers offers comprehensive homeowners and renters policies covering property damage, liability, and loss of use. Highlights include replacement cost coverage for belongings and additional living expenses if you can’t live in your home due to a covered loss.

Liberty Mutual

Available through local agent Mickey Hampton, Liberty Mutual provides homeowners and renters insurance with options like replacement cost coverage on personal property, liability protection, and additional living expenses. Liberty Mutual offers helpful home insurance planning tools on their website.

American Family

In addition to auto insurance, American Family provides homeowners coverage tailored to protect houses of all sizes and ages. With their St. Joseph office, they offer local service and policies that include liability, property damage, and loss of use protections. American Family makes it easy to manage your policy and file claims online.

Farmers Insurance

This national brand has a local Farmers agent offering home insurance options like guaranteed replacement cost, additional living expenses, personal liability, and home systems protection. Farmers allows convenient online quotes, payments, and account management. They have an excellent reputation for helpful, fast claims resolution.

Allstate

Through their St. Joseph office, Allstate agents provide quality homeowners insurance featuring options such as replacement cost coverage on personal property, additional living expenses, personal liability protection, and identity theft services. Allstate offers many discounts and makes insuring your home easy and convenient.

Business Insurance Options

For St. Joseph companies, top insurance choices include:

The Hartford

This national insurance leader offers St. Joseph businesses a full menu of coverages through local Hartford agents. Options go beyond basic property and liability to include workers comp, commercial auto, professional liability, cyber insurance, and more. The Hartford has deep expertise across many industries.

Travelers

With flexible business owners policies (BOP) and commercial packages, Travelers provides St. Joseph companies complete property and liability protection. They also offer group health plans, professional liability options, workers comp, and umbrella coverage with excellent local service.

Liberty Mutual

Trusted by businesses nationwide, Liberty Mutual works through St. Joseph agents to deliver tailored plans. That includes general liability, property damage, business interruption, commercial auto, workers compensation, and umbrella coverage. Liberty Mutual offers helpful risk management guidance.

Nationwide

Through their St. Joseph office, Nationwide brings Fortune 100 stability and an A+ rating to local business insurance clients. They provide property and liability policies, commercial auto, workers comp, professional liability, cyber risk coverage, and more for companies of any size.

State Farm

The St. Joseph State Farm agents offer businesses customized packages and stand-alone policies covering commercial property, general liability, commercial vehicles, workers injury, data breach expenses, and income loss. State Farm has a strong reputation for business insurance service and claims handling.

Life Insurance Options

For income protection and wealth transfer needs, St. Joseph residents can look to these top life insurers:

Northwestern Mutual

This respected national brand provides customized permanent and term life insurance, disability income insurance, and annuities through their local St. Joseph office. Northwestern Mutual has exceptional financial strength and pays dividends on participating permanent life policies.

MassMutual

Available through St. Joseph financial advisors, MassMutual offers personalized permanent, term, and universal life insurance plus retirement planning and business protections. MassMutual has paid dividends to policyholders for over 150 years and has high ratings for financial strength.

New York Life

This leading mutual company works through local St. Joseph agents to help families and businesses with life insurance, retirement products, and executive benefits. New York Life offers a wide range of permanent and term policies plus annuities and long-term care coverage.

State Farm

The St. Joseph State Farm office provides customized life insurance options including term, whole, and universal life policies. They offer policy riders for long-term care needs and disability income protection. State Farm is known for good value life insurance and excellent service.

North American

Local agents offer this highly-rated company’s permanent and term life policies, mortgage protection, annuities, long-term care insurance, and disability income coverage. North American specializes in simplified issue plans that don’t require medical exams.

For auto, home, business, or life insurance, St. Joseph residents can find the coverage they need from one of these highly-regarded local providers, all of whom offer quality products, excellent service, and years of experience serving the community.