Do you offer home & auto bundle discounts?

Yes—bundling home and auto can reduce premiums versus separate policies. Actual savings depend on carrier underwriting and your profile.

Which states do you serve?

Missouri and Illinois primarily; some products also available in Florida.

What does general liability cover?

Third-party bodily injury, property damage, and advertising injury. Optional umbrella coverage increases limits.

Do you handle group health plans?

Yes—small to mid-sized group plans plus individual & family options. We’ll compare carriers and plan types.

Can I get motorcycle, RV, and boat coverage?

Yes—policies for motorcycles, RVs, boats & PWCs with options like comp/collision, accessories, and on-water assistance.

Blog Archives

16Jun

State of the Rates: Where Car Insurance Is Blowing Up (and Where You’ll Save Big)

Here at Alexander Insurance Agency of St Charles, we’ve noticed car insurance is costing more and more. Nationally, full-coverage plans averaged $2,692 a year and minimum coverage ran about $808 in May 2025. However, those figures…

10Jun

Rain or Lawsuit, Stay Covered: The Power of Umbrella Insurance

Running a business is exciting—and full of responsibility. You call the shots, make big decisions, and shape your future. But one unexpected lawsuit or serious accident could quickly turn your dream into a financial nightmare.…

19May

Don’t Let One Slip Sink the Well-Vetted Ship—Carefully Insure Before You Soar

Building and growing a business means facing a variety of risks along the way. As a successful insurance agency, we've seen firsthand how choosing the right coverage can make all the difference. The best business…

30Apr

Flat Tires and Fine Print? Nope. Steer into the Smart Lane for Insurance

At Alexander Insurance Agency of St. Charles, we get it — finding the right auto insurance can feel like winding through a maze. That’s why we’re here to make the journey easy. From sorting through…

21Apr

Uncovered and Underwater: Why Business Insurance Is Non-Negotiable

When you’re building or running a business, insurance might not always feel like a top priority - especially if you think your risks are minimal. But here’s the reality: whether you’re a freelancer, contractor, shop…

14Apr

Wind, Rain, Ruin: The Truth About Tornado Coverage in Your Home Policy

As an insurance agency that has helped homeowners through everything from minor mishaps to full-blown disasters, we can tell you—when it comes to tornadoes, preparation is everything. And that starts with understanding what your home…

26Mar

Keep Your Roof Tight and Your Budget Light: 4 Insurance-Saving Tips for 2025

If you've recently peeked at your home insurance bill and done a double-take, you’re not alone. Across the country, premiums are climbing faster than ever. According to industry reports, rates rose by an average of…

18Mar

When Crime Strikes, Will Your Insurance Pay? Avoid Financial Loss With the Right Coverage

At the Alexander Agency of St Charles, we know that theft can be a major setback for any business. That’s why having the right coverage in place is essential. With commercial property insurance, you can…

11Mar

Protect your business with General Liability Insurance.

Falls, Fumbles & Financial Fiascos—Why You Need Coverage Today

As a business owner, you invest time, money, and effort into building something successful. However, unexpected incidents can put all of that at risk. What if a customer slips on a wet floor in your…

10Mar

Factors that increase your car insurance Costs

Behind the Wheel, Behind the Bill: What’s Fueling Your Insurance Price Tag?

When it comes to car insurance, the safer and lower-risk you appear to insurers, the better your chances of scoring affordable rates. While some factors have a huge impact—like your driving history or the car…

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