117 First Capitol Drive • St. Charles, MO 63301 • 636-916-5005 • Fax 636-916-1751
Personal
Commercial
Life & Health
Emergency

Huelskoetter Agency Services

Huelskoetter Agency focuses on insurance and financial planning for Life, Home, Auto, and Business. Find more information below on how we can help you. Contact us for a FREE Quote!

Personal

Automobile – We can provide you with automobile coverage for your personal vehicles. We can provide you with auto coverage that will satisfy all of your needs. Whether you are looking to insure your first vehicle or need coverage for the new youthful driver in your household; or maybe you need an SR-22 or have had a lapse in coverage. We can provide you with the coverage you need for just about any situation.

Classic/Antique Vehicles – Are you lucky enough to have a time treasured vehicle from the past? Maybe you have a 4-wheeled beauty that you only bring out of the garage when the weather conditions are favorable or love to show it off at a car show. We have companies that can provide you with the type of insurance you need to protect you and give the coverage needed in the event of a loss.
 
Homeowners/Renters – Have you ever wondered if you have the correct homeowners coverage as it is storming or when you see disasters happen around us? Don’t lose sleep wondering about it any longer! We have several companies that can provide you with homeowners coverage that you need in the event of a loss. We can discuss different coverage with you and come up with a policy that will fit your needs.
 
Valuable Articles Floater – If you have valuable jewelry, furs, silverware, photo equipment or a collection of paintings or statues it might be best to schedule them on your policy. This will give you broader coverage in the event of a loss. Most of the time the company will require a current appraisal and then the items can be scheduled on your homeowners policy or a separate policy can be written.
 
Vacant Dwelling/Builders Risk – Have you just purchased a new piece of property that you are going to be fixing it up? A regular home policy will not cover a vacant home while it is going through its beautifying process. We have companies that will give you the coverage you need to protect your investment.
 
Fire Policy – Do you have a dwelling that you own and rent out to others? We have several companies that can provide you with the coverage you need for the dwelling. We can also write liability coverage on the policy to protect you in the event that someone gets injured at the dwelling.
 
Flood Insurance – Did you know that no homeowner's policy will cover you in the event of a flood? You need to have a special policy written to cover you in the event of a flood loss. We have several companies that will write this insurance for you and give you the protection you need in an unfortunate flood circumstance.
 
Earthquake Coverage – The insurance companies are putting a lot of restrictions on earthquake coverage lately. Depending on the construction of your home, the location or even the year built you might have found that you can no longer have earthquake coverage on your homeowners policy. We have a company that can write a separate annual policy for you and give you the protection you need in the event of an earthquake loss.
 
Recreational Vehicles (Motorcycles, ATV’s, snowmobiles & golf carts) – Did you know that these type of vehicles need to have a separate policy written for them? Maybe you have one you use on a regular basis or you might have one that is only brought out a couple of times a year. If you don’t have insurance on them you can be putting yourself at risk in the event of a loss because the liability coverage extends from the recreational vehicle policy. Most of the time the cost of this type of policy is not that expensive and will give you peace of mind when you are using it.
 
Boat Insurance – Whether you have a large boat docked in a marina, a jet ski that your kids like to play around on or the sportsman who enjoys his Jon boat; you need to have a separate policy written to cover it. We can customize a boat policy to fit your needs. We can cover the fishing equipment that is on the boat, the trailer that you use to get it into the water, the liability for the person you are pulling behind the boat and of course coverage for the boat itself.
 
Camper/Motor Homes – Whether you have a 10 foot pop up camper or a 50 foot RV we have a policy that is right for you. We can provide you with the coverage you need for the actual camper, vacation liability and the contents you use while you are vacationing. We even have companies that will write temporary coverage for you while you are using the camper as a residence.
 
Mobile Home/Modular Home – Do you have a mobile home or modular home in a park or out on a few acres of land? Most insurance companies will not write these on a regular homeowners policy but we have several companies that can provide you with the proper coverage you need. You want to make sure that you have the correct type of insurance so that you won’t run into problems in the event of a loss.
 
Farm Owners – Do you have property on a lot of acreage, have farm equipment used to plant & harvest or raise farm animals for a living? If so, you need to make sure that you have a policy which is customized to fit your needs. We have companies that will be able to provide you with this specialized coverage.
 
Wedding Insurance – Are you getting married or know someone who is? No matter how carefully you plan everything there are still things that can happen. What if your vender goes out of business and you lose your deposit, your photos are ruined, your gifts are damaged or you need to postpone the wedding due to an illness or military deployment? We have a policy that can give you the coverage you need to help with the expenses.
 
Umbrella – Once you have all of the policies written to cover all of your property and items owned you should consider an umbrella policy. This is a policy that will give you additional liability to extend to all of written policies. In the event of a loss this will give you the additional chosen amount of liability over the top of what you carry on the individual policies. This is usually a minimum premium cost for the amount of extra coverage that it will give you.


Commercial

General Liability – You’re proud, as you should be, of the business that you’ve worked so hard to build. Your next step is to make sure that you are protected in the event of a loss. This policy is the first one you should consider for protection against many common claims. If you’ve damaged a clients property while working for them or are sued for damages this policy will give you protection for your business assets.
 
Commercial Auto – Whether you have a large fleet of commercial vehicles for your contracting business or one vehicle used for snow removal we can provide you with automobile coverage that is right for your commercial vehicle(s). We can customize a policy for you that will fit your needs.
 
Workers Compensation – What if one of your employees calls you to let you know they were injured while working for you on a job? Would you have the insurance coverage needed to take care of their medical bills and provide for their disability? If you do not carry Workers Compensation coverage the answer would be no. We have several companies that can give you this coverage and the peace of mind.
 
Property – Have you ever wondered if you have the correct insurance for your business property in the event of a loss? A property policy will not only cover the building that you own and operate your business in but it can also cover your business personal property. This could include the items that you need to run your business such as computers, desks and furniture. It could also be endorsed to cover your data and important papers in the event of a loss.
 
Builders Risk – This policy will give you coverage for the building, repair or renovation of a commercial building while in the course of construction or repair. We have companies that will not only cover the building but can also be endorsed to include the equipment needed, labor costs and tools.
 
Equipment/Tool Floater – This is a policy that can be added to your other commercial policies to cover the equipment and tools that are used in your job. They would be scheduled on the policy.
 
Taxi Cab Physical Damage – Do you drive a taxi cab for a company that provides the liability for you under their policy but you need to get your own physical damage policy on your own? If so, we have a couple of companies that can write the physical damage coverage for you. We can also provide a liability and physical damage policy for your entire fleet if needed.
 
Liquor Liability – So you have a business or are in charge of an event where liquor is going to be served? We can write a liquor liability policy for your business, non-profit or social club. We can provide the coverage on a short term basis for an event that you are going to be hosting or on a committee for.

Business Owners Policy/Package – This is a policy that can be written to include several of the above mentioned types of policies. This will allow them to all be packaged under one policy.
 
Umbrella – Once you have all of the policies written to cover all of your needs you should consider an umbrella policy. This is a policy that will give you additional liability coverage.
 
Flood - Did you know that no policy will cover you in the event of a flood? You need to have a special policy written to cover you in the event of a flood loss. We have several companies that will write this insurance for you and give you the protection you need in an unfortunate flood circumstance.
 
We can also provide you with coverage for Bonds, Errors & Omissions, Directors & Officers, Boiler & Machinery, Tow Trucks and numerous other specialty risks. Give us a call if you have any questions.


Life & Health

Term Life Insurance
Universal Life Insurance
Whole Life Insurance
Individual Health Insurance
Group Health Insurance
Short Term Major Medical
Dental Insurance

Financial Planning

Helping you to protect the assets you have accumulated is accomplished through Financial Planning. We are able to assist you in this process.

Premium Financing

Most of the companies that we deal with will offer a quarterly or monthly payment plan in addition to paying the premium in full. Most of them also have the option of paying checkless where they will withdraw the installment right out of your checking account.
 
If your policy is placed with a company that does not offer this option, we also use a local premium finance company. This will allow you to make a down payment on your insurance premium and then make monthly payments to the finance company. There is a simple form which you would need to complete. They even have an option of being able to withdraw the monthly installment right out of your checking account.

FREE Quote

 
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