Auto Insurance
Missouri auto insurance quotes from top carriers
Shopping for auto insurance should be simple, clear, and focused on real protection, not just the lowest price. At Hereth Insurance Consulting, we help drivers across Missouri compare personal auto insurance quotes from multiple carriers, so you can find the right balance of premium, coverage, and service.
What we help you insure
Your daily driver, family vehicles, teen drivers, new drivers, high-value vehicles, and drivers with a clean record or prior incidents. If you have multiple cars or need a policy that matches a unique situation, we’ll guide you to the right option.
Coverages we help you compare
Liability coverage helps protect you if you cause an accident, while collision and comprehensive protect your vehicle from accidents, theft, hail, animal strikes, and more. We also help you choose the right limits for uninsured and underinsured motorists, medical payments or personal injury protection (where applicable), rental reimbursement, and roadside assistance. If you drive for work sometimes, we’ll also make sure you understand when personal auto is enough and when you may need an endorsement or a different policy structure.
Discounts and pricing that actually matter
Auto insurance rates in Missouri are influenced by driving history, vehicle type, garaging location, mileage, credit-based insurance factors where allowed, and coverage selections. We help you find legitimate savings like multi-policy bundling, multi-vehicle discounts, safe driver programs, paid-in-full options, and telematics programs when they’re a good fit. Our job is to make sure discounts don’t come at the cost of coverage gaps.
Why clients choose us: You get an agent who can explain coverage in plain language, shop multiple companies, and help after the sale. That includes policy changes, adding vehicles, updating drivers, and fast help with proof of insurance documents when you need them.
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Home Insurance
Missouri homeowners insurance quotes that fit your home
Home insurance is about more than replacing a house after a major loss. It’s about protecting your property, your belongings, and your financial stability when something unexpected happens. At Hereth Insurance Consulting, we help Missouri homeowners compare homeowners' insurance quotes from multiple carriers, so you can secure the right coverage at a competitive price.
Homes we insure: Primary residences, newer homes, older homes, high-value homes, rural properties, and homes with outbuildings. If you’ve had a claim, have a unique roof type, or need a policy that matches a specific lender requirement, we’ll guide you to the right carrier and coverage structure.
Coverages we help you compare: A strong homeowner's policy typically includes dwelling coverage for the structure, other structures coverage for garages and sheds, personal property coverage for your belongings, and personal liability coverage if someone is injured on your property. We’ll also review loss of use coverage for temporary housing after a covered claim. For stronger protection, we help clients evaluate replacement cost options, higher liability limits, water backup coverage, and scheduled coverage for valuables like jewelry, firearms, and collectibles.
Common gaps we help you avoid: Many homeowners don’t realize certain losses are excluded or limited without the right endorsements. We help you understand options for water backup, sewer and drain coverage, service line coverage, and special limits on valuables. We’ll also explain how deductibles work, including wind and hail deductibles when they apply.
How pricing works and how we find savings: Homeowners insurance rates are influenced by replacement cost, roof age and materials, claims history, protection class, location, and deductible selection. We look for real savings through multi-policy bundling, home security discounts, newer roof credits, and carrier programs that reward strong loss prevention, without stripping coverage to get a cheap number.
Why clients choose us: We make it easy to compare quotes, we explain coverage in plain language, and we support you after the sale with lender docs, policy changes, and claim guidance when it matters most.
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Renters Insurance
Missouri renters insurance to protect what you own
Renters insurance is one of the most affordable ways to protect yourself financially. Your landlord’s policy covers the building, not your personal belongings, and it doesn’t protect you if someone is injured in your apartment or rental home. At Hereth Insurance Consulting, we help Missouri renters compare renters' insurance quotes from multiple carriers, often with options that cost less than most people expect.
Who renters insurance is for: Apartment renters, house renters, students, young professionals, families, and anyone renting a condo or townhome. If your lease requires proof of renters insurance, we can help you get coverage in place quickly and provide the documents you need.
What renters insurance covers: A renter's policy typically includes personal property coverage for your belongings, personal liability coverage if someone is injured at your place or you accidentally damage someone else’s property, and loss of use coverage if you have to temporarily live somewhere else after a covered loss. We also help you choose the right deductible and coverage limits based on what you actually own.
Common add-ons and important details: Some items have special limits unless they’re scheduled. We can add extra protection for valuables like jewelry, firearms, collectibles, and electronics. If you’re concerned about water damage, we’ll explain what is and isn’t covered and help you choose options that improve protection where available.
Pricing and discounts: Renters insurance pricing is usually based on coverage limits, deductible, location, prior claims, and optional add-ons. One of the biggest ways to save is bundling renters insurance with auto insurance, which can lower both policies with a multi-policy discount.
Why clients choose us: We make renters insurance simple. You get clear coverage options, fast proof of insurance for your landlord, and a local agency to help with changes, questions, and claims guidance.
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Umbrella Insurance
Extra liability coverage above auto and home limits
An umbrella policy gives you added liability protection when the limits on your auto or home insurance aren’t enough. It’s designed to protect your savings, income, and future from large lawsuits and major claims, and it’s often surprisingly affordable for the amount of coverage it provides. At Hereth Insurance Consulting, we help Missouri families compare umbrella insurance quotes and choose limits that make sense for their situation.
What an umbrella policy does
Umbrella insurance increases your liability limits above your underlying policies, like auto and homeowners. It can help pay for legal defense costs and damages if you’re sued after a serious accident, if someone is injured on your property, or if you’re held responsible for damage to others. Many policies also extend protection for certain personal liability situations that fall outside standard home and auto coverage, subject to policy terms.
Who should consider umbrella coverage
Umbrella insurance is common for families with a home, teen drivers, higher incomes, significant savings, rental properties, boats, or frequent hosting. If you drive often, have kids in sports, entertain at home, or simply want stronger protection, an umbrella policy can add a major layer of security.
How we help you choose the right limit
We review your current auto and home liability limits, help you understand the required underlying limits, and recommend an umbrella limit that fits your assets and risk. We’ll also explain what’s covered, what’s excluded, and how the umbrella coordinates with your existing policies.
What impacts pricing
Umbrella pricing is usually driven by the number of drivers in the household, teen drivers, prior liability claims, the number of homes or properties, vehicles, boats, recreational exposures, and the liability limits on your underlying policies. We shop multiple carriers to find competitive pricing and strong coverage terms.
Why clients choose us
We make umbrella coverage easy to understand and easy to implement. We’ll check your underlying policies, coordinate limits properly, and help you avoid gaps so the umbrella actually responds when it’s needed.
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Pet Insurance
Help with vet bills for dogs and cats in Missouri
Pet insurance helps make veterinary costs more predictable, especially when an unexpected illness or injury happens. Whether you have a new puppy, an older dog, an indoor cat, or a pet that loves adventure, we can help you compare pet insurance options that fit your budget and your comfort level.
Why people buy pet insurance
Vet care has changed a lot in the last few years. Diagnostics, surgeries, specialist visits, and emergency care can add up quickly. Pet insurance is designed to help with eligible expenses so you can focus on care decisions instead of cost pressure.
What pet insurance can help cover
Most plans focus on accidents and illnesses, such as emergency visits, imaging, surgery, prescriptions, and treatment for common conditions, subject to policy terms. Many carriers also offer optional wellness coverage that can help with routine care like exams, vaccines, and preventive treatments.
How we help you choose the right plan
We help you compare deductible options, reimbursement levels, annual limits, waiting periods, and exclusions. We’ll also talk through the age and breed considerations that can impact both pricing and coverage availability, and we’ll help you choose a plan that matches how you use your vet.
What impacts pricing
Pricing is typically based on your pet’s age, breed, location, and the coverage design you select, including deductible, reimbursement percentage, and annual limit. The earlier you enroll, the more options you usually have available.
Why clients choose us
You get guidance from a real agency that helps you compare options and make a confident choice. If you’re bundling other coverage with us, we’ll also keep your personal insurance organized in one place.
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