Insurance built for the way your family lives.
"Good human being, very personable. Even if he saved me only $20 a month, it would still have been worth the switch just to have him in my corner for this aspect of my life."
— Chance H., Wentzville
"Cash was able to get us a better price on our homeowners and auto insurance, and was knowledgeable and easy to work with!"
— Heather N., O'Fallon
"Prompt, honest and ethical — what more could you ask of your insurance agent!"
— Al H., St. Charles County
Insurance tailored for your peace of mind
Real people, honest advice, and local expertise. We help you protect what matters most without the corporate headaches.
Auto Insurance
Reliable coverage for daily commutes, family road trips, and everything in between. We'll find you the best rate.
Explore Auto eastHome Insurance
Protect your biggest investment and all the memories inside with a policy that gives you genuine peace of mind.
Protect My Home eastLocal Business
We’re proud to support St. Charles County businesses. Protect your shop or service with local independent expertise.
Business Solutions eastReal Results for Local Families
Better coverage, lower price. Here's what shopping 20+ carriers looks like.
$3,000+
A St. Charles homeowner went from a $4,000 flood quote to $773 a year.
$2,256
Home and auto dropped from $7,424 to $5,168 with 5X higher home liability.
$1,611
A Wentzville family cut their wind/hail deductible from $10,000 to $4,528.
This Month's Giveaway Is Live
A new prize every month for Missouri residents. Free to enter, one entry per household.
Common Insurance Questions
What's the difference between an independent agent and a captive agent? expand_more
A captive agent works for one company, like State Farm, Allstate or Farmers, and can only offer that company's price, even when it stops being competitive. An independent agent represents many companies. When your rate goes up at renewal, I re-shop your policy across my carrier network instead of telling you to accept it.
A St. Charles homeowner was quoted $4,000 a year for flood insurance by a captive carrier. I shopped the private flood market and got it to $773 a year with $325K dwelling and $162K contents coverage. That's over $3,000 saved.
Does it cost more to use an insurance agent? expand_more
No. Carriers pay agents a commission that's already built into the premium, so you pay the same price whether you buy direct or through an agent. What you get with me is someone who shops the market for you, reviews your coverage every year, and handles policy changes and claims questions.
Why did my home insurance go up? expand_more
Home insurance rates have been climbing across St. Charles, St. Louis, Warren and Lincoln Counties, driven by hail and wind claims and higher building costs. Your dwelling coverage also rises each year with construction costs. If your renewal came in higher than expected, let me see what else is out there before you just pay it.
What is the minimum car insurance required in Missouri? expand_more
Missouri requires liability limits of $25,000 per person and $50,000 per accident for bodily injury, $25,000 for property damage, plus uninsured motorist coverage of $25,000/$50,000. Those minimums are low compared to what a serious accident costs, so I recommend at least 100/300/100 to protect your assets.
Cash Earnest - Agency Owner
Meet Cash Earnest
I'm Cash Earnest, a local independent insurance agent serving Wentzville, Lake St. Louis, and surrounding communities. I work with multiple carriers to help families find the right coverage at the best price — without pressure, call centers, or long hold times.
Let’s find the right deal for your family.
As your local neighbor, we take the time to understand your needs and shop the market on your behalf.
- check_circle 20+ Top-rated carrier partners
- check_circle Personal service from local agents
- check_circle No-pressure consultations