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Comprehensive coverage that safeguards your home and everything inside it, at the best price an independent agent can find.
Tell us a little and we'll get to work shopping your rate.
Our homeowners policies go beyond basic protection, with robust coverage options tailored to your specific needs.
If your home is damaged or destroyed, you're covered for the cost to rebuild with similar materials — no deduction for depreciation.
Protects the belongings inside your home — furniture, electronics, clothing and more — against theft, fire, and other covered perils.
Covers you if someone is injured on your property or you accidentally damage someone else's, helping protect your assets from lawsuits.
Real reviews from homeowners across St. Charles County.
"Cash was able to get us a better price on our homeowners and auto insurance, and was knowledgeable and easy to work with!"
"Prompt, honest and ethical — what more could you ask of your insurance agent!"
"I didn't feel like I was oversold on my policies, but enough to protect me on my home and vehicles. Very professional and caring."
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.
Many Missouri policies have a separate deductible for wind and hail, often 1% to 2% of your dwelling coverage instead of a flat dollar amount. On a $350,000 home, a 2% wind/hail deductible is $7,000 out of pocket. Check this number before storm season, not after.
A Wentzville household was paying over $8,600 a year for home and auto with a $10,000 wind/hail deductible. After re-shopping, their wind/hail deductible dropped to $4,528, auto liability went up to 100/300/100, and they saved $1,611 a year.
Replacement cost pays what it takes to put a new roof on today. Actual cash value subtracts depreciation, so on an older roof you could be covering thousands of dollars yourself after a hail claim. Many policies quietly switch roofs to actual cash value as they age. I'll tell you exactly which one you have.
Your dwelling coverage should match what it would cost to rebuild your home today, not its market value or what you paid for it. Home values and construction costs have jumped in our area, so if your limits haven't been reviewed in the last couple of years, there's a real chance you're underinsured. I review that number with you on every quote.
Often, yes. Private flood carriers price each home individually and frequently beat NFIP rates, especially for homes that aren't in the highest-risk zones. If you're anywhere near the Missouri or Mississippi, or you've been told flood insurance is out of reach, I can shop both and show you the difference.
A St. Charles homeowner went from a $4,000 flood quote to $773 a year through an A-rated Lloyd's private flood market, with a $1,000 deductible and $65K for living expenses if they're displaced.
Not automatically. Water backup coverage is usually an endorsement you add to your policy. For homes with finished basements, which are common across St. Charles County, it's one of the most valuable coverages you can add.
When you call, you're not getting a call center — you're getting me. I've spent 14 years helping Missouri families protect their homes, cars, and everything that matters. As an independent agent, I'm not tied to one company, so I shop 20+ carriers to find you the right coverage at the right price.
I live and work right here in Wentzville, and I treat every client the way I'd want my own family treated. That's how we've earned 68 five-star reviews and written over 1,000 households.
Visit our Wentzville office or call to speak with a licensed agent who understands the insurance needs of our community.
No hold music. No call centers. When you reach out to Earnest Agency LLC, you talk directly to Cash. As an independent agent, I shop 20+ carriers to find you the best coverage at the best price.
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