Alternatives Insurance Agency in O Fallon, MO

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

• Car Insurance

  Your vehicle is an investment in both access and opportunity, which is why it's important to make sure it has the insurance coverage that you need to protect it. Alternatives Insurance Agency knows how important this is to drivers in O Fallon, which is why we work with Nationwide to provide policies to our members. Each vehicle and each driver is unique, so their insurance coverage also needs to be.
  
  When building a policy, Alternatives Insurance Agency asks members to look at the level of liability coverage they need first. From there, we help you figure out the best combination of collision and comprehensive coverage to protect the vehicle from damage when it is in motion and when it is parked. We will also work with you determine what discounts you may qualify for. For example, safe driving history and the vehicle's onboard safety options may help drivers reduce the cost for insurance.
  
  Get the peace of mind you need by getting the policy that fits your needs. Call (636) 978-7260 today. Our agents are ready to answer questions, provide quotes, and sell policies over the phone for our clients' convenience. If you prefer to review your insurance needs face-to-face, you can also call to schedule an appointment. Face-to-face appointments are held in our office at 208 Old W Terra Ln.

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• Home Insurance

  For years, Alternatives Insurance Agency has been helping homeowners safeguard their most valuable possessions. We are a fully licensed Nationwide Insurance agency, and when you allow us to provide you with home insurance, you will be gaining access to some of the best customer service in the country. Nationwide home insurance protects your home in the event of theft, natural disaster, water backup, and other occurrences. Our insurance policies not only have the ability to protect your home and other structures on your property, but they also extend coverage to the items inside of your home that you worked so hard to acquire.
  
  Additionally, if you are interested in personal liability insurance, we are more than confident we can provide you with an option that fits your needs and budget. A personal liability policy may help pay for covered instances in the event someone sustains an injury or causes damage on your property. If you prefer broader, more comprehensive coverage, consider purchasing one of our umbrella policies. An umbrella policy is designed to protect you from claims and lawsuits beyond your standard policy limits, as well as, cover claims that may not be covered under your other liability policies.
  
  Alternatives Insurance Agency has an in-depth understanding of our Nationwide home insurance products and other personal liability policies. Find us in O Fallon at 208 Old W Terra Ln. Our agents are highly trained and are capable of answering all of your questions about home insurance policies. Call Alternatives Insurance Agency at (636) 978-7260 to explore your insurance options.

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• Life Insurance

  If you have children, a spouse or anyone in your life who depends upon you financially, you need life insurance. The same holds true if you depend upon someone else financially. Life is unpredictable but it is within your power to minimize or even eliminate the financial impact of unexpected life events.
  
  We at Alternatives Insurance Agency are here to help people like you in the O Fallon area. We are here to answer your questions and make life insurance understandable. We will explain term versus permanent insurance and we will outline the types of life insurance that may be best for you.
  
  When determining the amount of coverage you need, you should consider both your present and future circumstances. What are your current financial needs and what do you expect to be the future financial needs for your family?
  
  You should factor in your current age, income and debts and the likely financial impact of lost income. You should also consider final expenses as well as future educational needs for your children and even for yourself or your spouse. If you are a one-income household, you should be sure to purchase a policy that will cover that income in its entirety if lost.
  
  Life gets hectic; make sure you are not too busy to take care of yourself and your family. Call Alternatives Insurance Agency at (636) 978-7260. We are located at 208 Old W Terra Ln. Let us help you find the right policy to assure your family’s financial security.
  
  
  LAW-0248AO (05/18)

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• Business Insurance

  Maybe you're looking for targeted business coverage or maybe you're looking for wide-ranging policy protections as part of a new business continuity plan. Either way, Alternatives Insurance Agency can help you protect past gains, while also positioning your company for future growth.
  
  Through Nationwide, our agents offer business insurance for O Fallon companies that operate in a wide range of industries from food and beverage to building management to professional contractors. Product offerings include liability, property, and commercial auto insurance. For some companies, it's also crucial to get operating loss coverage to ensure money is coming in even if something forces their business to close shop for a time. Likewise, flexible billing options help you meet premium obligations regardless of how your company's budget is structured.
  
  It sounds complicated, but it doesn't have to be. In fact, to combine several products in a single policy, have one of the risk management experts at Alternatives Insurance Agency help you build a business owner's policy with coverage that's personalized for your company. Call us at (636) 978-7260 to discuss your O Fallon business insurance or to set up an appointment at the office located at 208 Old W Terra Ln.
  
  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.

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