Annuities Insurance Agencies in Ballwin, MO

Ballwin at a glance

• 3annuities insurance agencies listed
• 15.8%of households rentRenters insurance
• $377,100median home valueHome insurance
• 1976median year homes were builtRebuild cost calculator
• 2.3%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in St. Louis City

FEMA rates the overall natural hazard risk in St. Louis City, where most Ballwin agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

• TornadoVery High

  Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

  Home insurance in Ballwin
• EarthquakeRelatively High

  Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.

  Earthquake insurance
• Inland floodingRelatively High

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance
• Strong windRelatively High

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in Ballwin
• LightningRelatively High

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Ballwin

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Missouri

Missouri requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in BallwinHow much liability cover do you need?

Source: revisor.mo.gov. Checked 2026-10-24.

Where Ballwin agencies are

Ballwin agencies we list sit in 2 ZIP codes, mostly in St. Louis City.

• 630212 agencies
• 630111 agency