Alternatives Insurance Agency in O Fallon, MO

Learn about our insurance products

  • Auto Insurance

    Get an auto insurance policy you can count on from Nationwide.

  • Homeowners Insurance

    Protect your house and personal property by choosing the right insurance coverage from Nationwide.

  • Life Insurance

    Let us help you select life insurance coverage that meets your needs, your life and your budget.

  • Business Insurance

    Cover your business with commercial insurance from Nationwide.

Member support

24/7 Claims Service
1-800-421-35351-800-421-3535

Our Insurance Products

The Alternatives Insurance Agency in O Fallon, Missouri provides the following products. To learn more about each insurance product, click on the links below.

  • Auto Insurance

    Look to the insurance provider who is there when you need them when it comes to vehicle insurance services. Alternatives Insurance Agency works with Nationwide to offer members a wide variety of discounts and services. We are also available to answer any questions you may have about auto insurance plans, either over the phone or in person.

    We make sure to thoroughly review your insurance needs before finalizing anything. It is our goal that you walk away with protection that you completely understand and can count on. We also make sure you know exactly which of our many discounts are available to you, such as those for good students or for using our ecofriendly paperless billing plan. These discounts may be applied to our many insurance protection options. We offer solutions like liability coverage and roadside assistance. Because we are located locally in O Fallon, we know what the specific weather and traffic conditions are like. We can walk you through the protection options for your vehicles and those specific to O Fallon. Have peace of mind that comes from a personalized insurance plan.

    Alternatives Insurance Agency is willing to talk to you whenever you have the time. You can call us at (636) 978-7260 or schedule an in-person appointment at 206B Old W Terra Ln. Our door is always open and your questions will always be answered.

  • Homeowners Insurance

    Drafting plans for your new home? Don't forget to swing by Alternatives Insurance Agency while you're out picking the perfect bathroom cabinets and looking over color swatches. It's never too early to start protecting your home, and we want to help you do just that with the help of Nationwide Insurance. After all, insurance is all about being proactive, so you might as well take the same approach when it comes to protecting what's likely one of your largest investments.

    You won't be doing yourself or your home any favors by settling for a basic protection. With basic insurance protection, you may not be getting the quality protection you need. For instance, where you live in O Fallon determines your premiums and the specifics of your plan, and your home's security measures are another determining factor. We'll go over your property and your plan with precision to make sure we've taken everything into account before we finalize your insurance. Once that plan is in place, we encourage you to keep us updated on any renovations or other changes you make to your home, as they may warrant a tweak to your protection.

    Don't wait until an unfortunate incident to learn that you may be underinsured. We'll see to it that you choose a plan to meet your needs and put your mind at ease. Visit our office at 206B Old W Terra Ln. We'd also love to hear from you via telephone at (636) 978-7260.

  • Life Insurance

    Life is full of uncertainties. Your family’s financial well-being shouldn’t be one of them. As you shop for life insurance in O Fallon, you likely have many questions running through your mind:

    • “What are the benefits of term vs. permanent policies?”
    • “How much coverage do I need?“
    • “How much does a life insurance policy cost?"

    Alternatives Insurance Agency can help you find the right policy to protect your legacy and provide financial security for your loved ones when you are no longer living.

    There are a variety of factors you must consider to determine the amount of coverage you need. First, estimate the amount of debt, final expenses and other financial obligations you might leave behind. Also, think about your income and how the loss of it will affect your family. You want a policy that has a death benefit that covers those costs and leaves a financial cushion.

    Next, decide what kind of policy you want. There are several types of life insurance available. Base your decision on what you can comfortably afford and your current and future financial goals.

    Finally, carefully review all policy documents. A life insurance agent can provide clarity on any information or policy language you do not understand. If you have special considerations, do not hesitate to inform one of our team members.

    Insurance is a smart investment. Getting the right policy is easier than you think. Call (636) 978-7260 for an appointment with an agent. Feel free to stop by 206B Old W Terra Ln to discuss Nationwide coverage options in person.


    LAW-0239AO (05/18)

  • Business Insurance

    Every business relies on a variety of specialized tools and equipment to operate successfully from day to day. Of all the important tools utilized by a O Fallon business, a good business insurance policy might be one of the hardest-working. For years, Alternatives Insurance Agency has been helping area business owners select the right coverage. Your policy will help make sure that everything proceeds smoothly, even if unexpected circumstances arise. After all, the people you serve are depending on you, and a policy from Alternatives Insurance Agency can help make sure you don't have to worry about the unexpected.

    A business insurance policy from Nationwide can be one of your most important commercial assets. Since it provides protection against a wide range of concerns, your policy has the ability to address many different risk-related outcomes. Even the most risk-aware business manager cannot foresee every potential setback. Your policy can help your organization solve even unexpected problems. Members of the Alternatives Insurance Agency team are here to help and so is Nationwide's great network of customer service providers. You can count on your insurance team to assist with the claims process and much more.

    Discover improved coverage solutions today by calling (636) 978-7260. Our agents are here to make doing business simpler and more secure. Visit our 206B Old W Terra Ln location today to begin exploring the personalized solutions we can offer.

    Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.

The Alternatives Insurance Agency also offers products in IL. Please call for information on products in those states.