Home & Auto Insurance
in the St. Louis Metropolitan Region

When It Comes to Insurance, Hosto is Here to Help

Your Local St. Louis Home Insurance Agency

Trusted Home Insurance Agency in St. Louis, Missouri 

Known as the “Gateway to the West”, the city of St. Louis has a wide variety of housing options from Victorian and colonial styles to Tudor homes and bungalows. Each style of home presents its own unique character and flair, which should be protected and accounted for in a home insurance policy. At Hosto Financial & Insurance Services, we take the time to get to know your home so that we can find an insurance plan that best fits it. Whether you are a first-time homebuyer, empty nester or renter in the Lou, we will help you select a homeowners or renter’s insurance premium you are comfortable with. With the hustle and bustle of a city often comes exciting life changes, our team understands that and is readily available to adjust your home insurance plan as needed to accommodate those changes. 

Auto Insurance Agent in St. Louis, Missouri 

As we all know, living and/or working in a big city can mean spending more time behind the wheel stuck in traffic. This unfortunately presents a greater risk of getting into a fender bender. At Hosto Financial, we protect drivers in St. Louis with robust auto insurance policies. Our team will shop around to secure the best rate with the best coverage for your vehicle(s). If you have a first-time driver on your insurance plan, we will identify any discounts or deductibles that your family may benefit from. When you work with Barry and his experienced team, you can just sit back and enjoy the ride knowing you are protected.

Proudly Serving the City of St. Louis 

With over 300,000 residents calling St. Louis home, the city is the second-largest in Missouri. When crossing the Mississippi River into St. Louis, guests are greeted with a view of the Gateway Arch, a 630-foot-tall monument that was built in 1965. The Arch serves as a memorial of the city’s role in the westward expansion of the U.S. Named by ESPN Magazine as the “Ultimate Sports City”, St. Louis has a lot to cheer about. Each April, fans in red flood Busch Stadium to cheer for the 11-time World Series Champions, the St. Louis Cardinals baseball team. In addition, the St. Louis Blues hockey team, the 2019 Stanley Cup Champion, hits the ice at the Enterprise Center in October. In 2023, St. Louis City Soccer Club is scheduled to begin playing at the Citypark. 

St. Louis offers an abundance of family-friendly places and activities, including the Saint Louis Zoo, which is free to attend and is a globally and nationally ranked zoo. Other places to visit include the St. Louis Aquarium at Union Station, the City Museum, Forest Park and the Missouri Botanical Garden. The city also has a superior higher education system, including Saint Louis University, Washington University, St. Louis Community College, University of Missouri-St. Louis, Webster University, Maryville University and more.

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What Does Great Homeowners Insurance in St. Louis Look Like?

row of neatly maintained houses

Research has found that Missouri residents pay above the national average for home insurance. This is mainly due to the state being prone to natural disasters. According to an analysis conducted by Bankrate, the average cost of home insurance is Missouri is approximately $1,500 annually for $250,000 dwelling coverage. However, it is important to note that a home insurance premium will vary depending on a variety of factors specific to your property and personal situatation. There are also options to save on your premium when bundling your home and auto insurance. The team at Hosto Financial will ensure you aren’t cutting corners on your home insurance plan only to pay for it down the line. We also will make sure you aren’t paying for more than you truly need.  

Many people aren’t aware of all of the factors that play into the cost of your home insurance. These include:
  • Location
  • Age of Home
  • Risk Factors of Home (Pets, Fireplace, Swimming Pool, Age of Roof, Proximity to Fire Station)
  • Credit History 
  • Claims History 
  • Marital Status 
  • Dwelling Coverage
  • Deductible
  • Add-On Coverages
Don’t sweat it. When shopping for your home insurance, we will review all of these factors with you and discuss how they will affect your insurance rate. 

Call us today @ 618-779-5808 and find out how to get the right coverage at the best value for your Illinois home. We are a Troy home insurance agency and we have a licensed insurance agent awaiting!

Let’s Get You a Home Insurance Plan You Are Confident In

When you work with Hosto, you can rest assured that you are insured with the right coverage. Call 618-779-5808 to start the process of securing home insurance that you are comfortable with and confident in. Our licensed insurance agents are available to answer any questions you have and to get the ball rolling. 

Keep the Things That Matter Safe.

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Get An Insurance Quote

Select an Option Below Or Give Us A Call At (618) 779-5808

Get An Insurance Quote

Select an Option Below Or Give Us A Call At (618) 779-5808