Saint Louis has 288,512 residents in 144,891 households. We list 33 agencies for renters insurance in Saint Louis. Here is what the local numbers say about the cover people here need.

Saint Louis at a glance

33renters insurance agencies listed
54.7%of households rentRenters insurance
$197,500median home valueHome insurance
1938median year homes were builtRebuild cost calculator
18.5%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 Saint Louis 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 Saint Louis
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 Saint Louis
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Saint Louis

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 Saint Louis How much liability cover do you need?

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

Insurance companies Saint Louis agencies work with

Of the 33 Saint Louis agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Liberty Mutual25 agencies
Travelers25 agencies
Safeco21 agencies
Travelers (Standard Fire)21 agencies
Liberty Mutual (Safeco)18 agencies
Nationwide18 agencies
Nationwide (Allied)17 agencies
Nationwide (Colonial)17 agencies
The Hartford17 agencies
Chubb16 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Saint Louis agencies are

Saint Louis agencies we list sit in 17 ZIP codes, mostly in St. Louis City.

631416 agencies
631053 agencies
631223 agencies
631233 agencies
631092 agencies
631242 agencies
631282 agencies
631392 agencies
631462 agencies
631101 agency
631191 agency
631261 agency
631271 agency
631291 agency
631301 agency
631321 agency
631441 agency

Questions

Renters insurance in Saint Louis

All insurance agencies in Saint Louis · Renters insurance across Missouri

Where can I find renters insurance in Saint Louis?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does renters insurance cover?

Covers your belongings and your liability when you rent rather than own.

Which insurance companies do Saint Louis agencies work with?

Among the 33 Saint Louis agencies whose appointments we hold, the companies they are most often appointed with are Liberty Mutual (25), Travelers (25), Safeco (21), Travelers (Standard Fire) (21), Liberty Mutual (Safeco) (18). An appointed agency can quote that company's policies.

Do I need flood insurance in Saint Louis?

FEMA's National Risk Index rates inland flooding risk in St. Louis City as Relatively High compared with other U.S. counties. 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.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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