Real carrier recommendations from independent insurance agents who have placed hard-to-place homeowners, landlord, and property risks in Missouri.
These carriers are most frequently recommended by agents for placing hard-to-place homeowners, landlord, and property risks in Missouri.
Real conversations from agents about placing hard-to-place homeowners, landlord, and property risks in Missouri.
Calling captive agents, especially with State Farm: Are there any types of commercial policies your company does not sell so you have referral partners to recommend for those cases that may come in?
Comment Zach Ederer American Modern
Chad Williams Palomar
I have a client looking for earthquake insurance in Missouri. Are there any standalone companies that just do earthquake insurance? The carrier that we are going to have their homeowners insurance with does not offer earthquake endorsements 
American Modern
Chad Williams Palomar
Missouri-I have a client who had a total fire loss on their home sep of 2025. Cause undetermined. They had another claim in Oct 2024 from smoke damage that their hvac caused by malfunctioning. Plus, I do not think their credit is great. They are buying a new home, so far all have declined.
Missouri-I have a client who had a total fire loss on their home sep of 2025. Cause undetermined They had another claim in Oct 2024 from smoke damage that their hvac caused by malfunctioning Plus, I do not think their credit is great They are buying a new home, so far all have declined
I have a client that is wanting to insure just some solar panels on his property. Any recommendations? In Missouri. Long story short, he cannot insure them on his homeowners insurance.
HOA that host a July 4th event with Fireworks. Completely Volunteer based. GL excludes coverage for the fireworks. Any ideas? In Missouri. USLI Event policy is a No due to the fireworks and wants the HOA to have an outside licensed party lighting the fireworks...
Morning all; any Farm Bureau agents here? Can you tell me where it list the Location of Insured Premises; what does Series 3 mean? Home is in a protection class 10; it's a Missouri property. TIA
Missouri-I have a client who had a total fire loss on their home sep of 2025. Cause undetermined They had another claim in Oct 2024 from smoke damage that their hvac caused by malfunctioning Plus, I do not think their credit is great They are buying a new home, so far all have declined
Hey Soupists! In MO. Does anyone know if AmFam would ever take issue with a very small non-profit renting a home. Home is insured via a DP3 with them. The only concerns we can think of would be what is technically commercial food operations (small mobile everyone kitchen) in the kitchen at the...
Liberty Mutual question - we just quoted a home and the premium was $2k different between the pay-in-full vs mortgage bill. Has this happened to anyone else? Located in MO. $3500 direct vs $5600 mortgage bill. EDITED: Well, I’ll own this one — turns out it wasn’t Liberty, it was ASI. We were...
Based on agent discussions, carriers frequently mentioned for hard-to-place homeowners, landlord, and property risks in Missouri include American Modern, Palomar, USLI, State Farm, American Family. Availability varies by specific risk details.
Many agents report difficulty placing hard-to-place homeowners, landlord, and property risks in Missouri. Our database contains 10 discussions specifically about this niche in Missouri, reflecting the ongoing challenges agents face finding willing carriers.
Independent agents in Missouri recommend networking with peers, working with wholesale brokers like RT Specialty or Kinsale, and checking surplus lines markets. Browse the 10 agent discussions below for specific carrier recommendations.
I have a client looking for earthquake insurance in Missouri. Are there any standalone companies that just do earthquake insurance? The carrier that we are going to have their homeowners insurance...