Heartland Insurance
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Heartland Insurance

Independent Insurance Agent in Saint Charles, MO

About us

The Heartland Insurance agency is a St. Louis-based Independent Insurance Agency and brokerage dedicated to finding the solutions to our clients' insurance needs. Contact us to see how we can help!

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Personal and Commercial Lines insurance experts

Ask me about these types of insurance...

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

Hotel insurance is a very specific type of business insurance that's been tailored to meet the unique coverage needs of your business. Talk to an independent agent.

Why choose Heartland Insurance

States we serve

  • Missouri

Our insurance coverages

Personal insurance coverage

  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Earthquake
  • Farm
  • Flood
  • Health
  • Home
  • Identity Fraud
  • Landlord
  • Mobile Home
  • Motorcycle
  • Other
  • Personal Watercraft
  • Pet
  • Renters
  • Short-Term / Sharing
  • Snowmobile
  • Special Event
  • Travel Trailer
  • Umbrella
  • Vacant Land
  • Valuable Items

Business insurance coverage

  • Bonds
  • Builders Risk
  • Business Owners Package (BOP)
  • Business Vehicle
  • Contractors Equipment
  • Cyber Liability
  • Employment Practices Liability
  • Errors & Omissions
  • General Liability
  • Inland Marine
  • Other
  • Professional Liability
  • Property
  • Umbrella / Excess
  • Workers' Compensation

Industries we serve

  • Accommodation and Food Services
  • Administrative and Support and Waste Management and Remediation Services
  • Agriculture, Forestry, Fishing and Hunting
  • Arts, Entertainment, and Recreation
  • Construction
  • Educational Services
  • Finance and Insurance
  • Health Care and Social Assistance
  • Information
  • Management of Companies and Enterprises
  • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
  • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
  • Manufacturing - Wood / Paper / Paper / Mining / Plastics
  • Mining, Quarrying, and Oil and Gas Extraction
  • Other Services (except Public Administration)
  • Professional, Scientific, and Technical Services
  • Public Administration
  • Real Estate and Rental and Leasing
  • Retail - Sporting Goods / Hobby / Music / General / Misc.
  • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
  • Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
  • Transportation and Warehousing
  • Utilities
  • Wholesale Trade

Recommended insurance company partners

Other companies we work with:

Allstate, American Modern, Auto Owners Insurance, Berkshire Hathaway GUARD Insurance Company, Berkshire Hathaway Homestate Companies, Columbia Insurance Group, Encompass, Grinnell Mutual, Hagerty, Haulers Insurance Company, Kemper Independence, Lititz Mutual Insurance Company, Southern Pioneer Property & Casualty Insurance Company, The Hartford, US Assure, United States Liab

Heartland Insurance Reviews

Average based on 15 reviews Leave a review

Customer Reviews

June 21, 2021

The PEOPLE... or at least the lady I've been dealing with for a while is Great. Amber; is a very attentive personable agent. She has over the years and most recently in the last few days got on the phone to help me with any issues I've been having. Several times we have been faced with decisions as to stay or go to a less expensive company because of cheaper policies. More than once... we have kept with Heartland Insurance just because of our relationship with Amber.

June 21, 2021

Have worked with Kyle McHugh this last year and he has been great. Anything we need he is quick to respond and gets the job done.

June 21, 2021

Highly Recommend! Excellent Service with quick response!

June 21, 2021

While I'm not a frequent reviewer, after such an outstanding experience and in a world of routinely poor customer service, I felt the need to let others know about Heartland Insurance (Cindy Hobein). This team was extremely responsive, made the process simple, enhanced my coverage, and reduced the associated premiums (by a significant amount/offered huge savings). If you've not considered going with a broker or are looking for the best option, Heartland Insurance is certainly worth a shot. 5 stars

June 21, 2021

I had a few policies that were coming up for renewal and Heartland Insurance not only beat my current policy but compared multiple companies that fit my needs. Cindy was great getting back to me on my questions and worked hard to make sure that I was buying what was right for me! Thank you

June 21, 2021

Met with a smile, all questions answered as to home insurance. This company knows what their doing!!

June 21, 2021

I've worked with Kyle McHugh for the last couple of years and I've had the best experience! He's been professional, informative and always goes the extra mile for every customer. Highly recommended!

June 21, 2021

Very rarely do I take the time to write a review but Kyle and Heartland have made my Insurance needs a billion times easier and I would scream THANK YOU on top of a mountain if I could! I called Kyle looking for business insurance and within an hour was set up and good to go. Since then, I have been slowly moving all my insurance needs over and doing so has saved me thousands. Last month I was in an accident and totaled my vehicle, Kyle took my call right away and had the claim posted in 30 mins. If you have ever gone through an accident and had to deal with insurance companies you know how daunting this can be. What I love most about Heartland, is that they care more about my welfare than making a couple extra bucks. Not only do I have a wonderful Insurance Agent, I have a friend for life and we can all Cheers to that!

June 21, 2021

By far the best insurance help I have ever received. The staff is super professional and works hard to give you exactly what your need and for the cheapest price. Highly recommend. 10 out of 10

June 28, 2020

Chu has done nothing but bend over backwards for me and my family. I for the first time in my life have health insurance, accident insurance, short-and long term disability insurance, renters and the best auto insurance I have ever had. Give her the info and give a little time to shop for the best policy and rate. She has made it easy for me to have a piece of mind. I know can relax knowing my daughter and GF are covered if something happened to me.

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Heartland Insurance