Property Insurance

Helping You Find the Best Insurance

As an Independent Insurance Broker / Independent Insurance Agent in St. Louis and in all of Missouri, we give you choices. We are proud to represent
many quality companies that provide our clients great service and competitive, money saving prices. We are not limited to a single company with a limited set of options. We are dedicated to help you find the right Homeowners Insurance coverage at the right price.

Homeowners Insurance

Making sure you are returned to the state you were in prior to a loss is the purpose of Homeowners / Property Insurance.  Homeowners / Property Insurance involves many things.  Coverage for the building, coverage for personal property, coverage for liability, coverage for other buildings, coverage for medical payments to others, and you can add coverage for earthquakes, and if needed, coverage for floods.


We offer Homeowners Insurance for Kirkwood, MO, Des Peres, MO, Town and Country, MO, Creve Coeur, MO, Clayton, MO, Richmond Heights, MO, Crestwood, MO, Sunset Hills, MO, Manchester, MO, Valley Park, MO, Chesterfield, MO, Ellisville, MO, Frontenac, MO, Warson Woods, MO, Rock Hill, MO, Brentwood, MO, Maplewood, MO, University City, MO, all parts of St. Louis County, and St. Charles, MO and all of Missouri.


Let our experience and expertise go to work for you. Go to the quote center part of this site for a free quote.

Homeowner Insurance At A Glance

Homeowners insurance is designed to provide financial protection for you in the event of a disaster. Standard homeowners policies are package policies. They provide coverage for your property, both your home and its contents, as well as providing personal liability coverage.

Most disasters are covered by your homeowners policy, but there are exceptions. Problems that may affect your home caused by lack of routine maintenance are generally excluded from your policy. Damage caused by earthquakes is not normally covered by a homeowners policy. Earthquake coverage must be added to a homeowners policy through an endorsement or must be carried as a separate policy. Another coverage that is not included under the normal terms of your homeowners insurance policy is damage caused by floods. Flood insurance may also be purchased on a separate policy. There may be other exceptions and non-covered events in the terms of your policy.

Remember, you should always check with us if you have specific questions regarding your policy coverages.

For a Homeowners Insurance Quote for St. Louis or anywhere in Missouri, CLICK HERE.

Other Types of Property Insurance

  • Renters Insurance
  • Seasonal Home Insurance
  • Landlord Insurance
  • Investment Property Insurance
  • Condo Insurance
Read Unbiased Consumer Reviews Online at
Insurance Agencies in St. Louis

Discover the advantages of insuring with an Insurance Agent from the O'Shea-Ward Insurance Group in St. Louis.

Get a quote today.

For a Free Quote or to set up an appointment

To inquire about a non-binding Insurance Quote for your Home or Auto, a consultation, or to schedule an appointment, please call:




Or use our contact O'Shea-Ward Insurance Group form.  Just enter some basic information and one of our staff will call and talk with you about your particular situation.

Report a Claim

Call us anytime, even outside of our regular business hours. Report a claim 24 hours a day 7 days a week:




Print | Sitemap
© O'Shea-Ward Insurance Group