The Naeger Family Ins Agencies, LLC is a full service, family owned insurance agency, here to fulfill all of your insurance needs in Missouri and Illinois.

Congratulations to the recipients of the The 2022-2023 Edward J. Naeger and Karen (Jones) Naeger Scholarship

St. John Vianney High School

Luke Ledwon

Nerinx Hall High School

Meredith Lima

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Go to our Local Business Spotlight page for Yulia's Story

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What We Do

The Naeger Family Ins Agencies, L.L.C. provides insurance consultation and assistance with placing insurance for personal lines, commercial lines, and life & health. Whether you are getting ready to purchase a new home or auto, have opened a new business, or have a current policy that you would like to compare, we can help you properly insure yourself and save money every month.

                                  

Using Your Personal Vehicle For Delivery

We are aware that some businesses have current job openings for the delivery of food, groceries, etc. Generally speaking, your personal auto insurance policy will not provide you the full benefit of your insurance coverage while you are in the act of delivering for a fee or any compensation. The rules temporarily were relaxed by some insurance companies on commercial auto and personal auto insurance policies. If you are thinking about delivering anything for compensation, please contact our office first so that we can provide you with guidance on this matter.

The "Sharing Economy"

As the economy evolves, a new facet referred to as the "Sharing Economy" is here and still growing. The concepts of ride sharing or home sharing have entered our world through companies like Uber, Lyft, and Airbnb. Of course, we love to see new, innovative ideas take hold and contribute to our overall economic success. As with any significant innovation, there are insurance implications that must be considered. If you are thinking about participating in any of these sharing economy activities, please call us to discuss the impact on your current insurance policies. Each situation is different, and we can help you determine if you have the proper coverage before you enter into this new venture. IN MOST CASES, WE CAN HELP YOU SECURE AN APPROPRIATE INSURANCE POLICY FOR YOUR HOME AND AUTO WHEN YOU USE YOUR HOME AND/OR AUTO IN THE SHARING ECONOMY

 Umbrella Policies

Have you thought about an umbrella policy ? Please contact us today to discuss whether or not you and your family are fully protected. As we all grow and accumulate more assets, or even when we are young and have the potential to do so, there is need for all of us to get the protection that an umbrella policy can provide. Please call us and we can help you determine if this coverage can benefit you by helping you protect yourself and your assets.

Flood Insurance

Are you covered for flood ? Most home owner's policies do not cover flood. Flood insurance is a federal program that is administered through insurance companies. Please call us and we can help you determine if a flood policy can benefit you by helping you protect yourself and your assets.

Scheduled Items

Is your jewelry covered properly ? What about your collectibles, firearms, computer equipment, and so on ? Whether you are a current Naeger Family Insurance client or new to our family, give us a call any time to discuss this so we can help you make sure that you are properly protected.

Earthquake Insurance

Are you covered ? Home owner's policies do not automatically include earthquake coverage. A policy must be endorsed to cover earthquake. Whether it is available for your home or not depends on an insurance company's particular underwriting guidelines. If your home does not qualify for earthquake under your home owner's policy, we can still hep you get a stand alone earthquake policy in place. It is important to discuss these policies since they do work differently than a standard home owner's policy and, typically, have very high deductibles.  Please call us any time to see how we can help you protect your home against losses from an earthquake.

 * EFFECTIVE SEPTEMBER 30, 2014 *

THE NAEGER FAMILY INSURANCE AGENCIES WOULD LIKE TO WELCOME ALL PAY AND GO INSURANCE AGENCY AND VON KUNTZ INSURANCE AGENCY CLIENTS. TO HELP US CONTINUE TO PROVIDE THE SUPERIOR SERVICE THAT OUR CLIENTS EXPECT AND DESERVE, EFFECTIVE 09/30/2014, WE BROUGHT ALL OF OUR CLIENTS AT EACH AGENCY UNDER THE NAEGER FAMILY INSURANCE AGENCIES AT OUR LOCATION AT 4657 HAMPTON AVE.

USING YOUR PERSONAL VEHICLE FOR DELIVERY (Update)

USING YOUR PERSONAL VEHICLE FOR DELIVERY (Update)



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Go to our Local Business Spotlight page for Yulia's Story story

Why Use An Independent Agent ?

We work for you, not the insurance companies. We get to know you and your particular situation, then help you find the best coverage at the best price. We all know that we should get more than one quote for anything. We do the comparative shopping for you, saving you time and money. Our expertise and access to the best markets allow us to make sure that you are getting the proper coverage at the best price, not only the cheapest thing out there.

We remain your agent and continue to be here whenever the need arises. And, once you are with us, we continue to shop for you to make sure you are always getting the best coverage at the best price. There is no need ever again to worry about whether or not you are getting the best deal. We make sure that you are. As life changes, so do your insurance needs. Because we know you, we are able to make sure that you are always in the best possible situation when it comes to protecting your family, yourself, and your investments.

Employers- Ask us about our Travelers Insurance Benefits Plus Program for your employees !

Employees, you can also inquire about getting this benefit for your work.

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Member of Missouri Association of Insurance Agents