Free Consumer Education
Missouri's Free Insurance Education Resource
Straightforward answers to your home and auto insurance questions — no sales pressure, no jargon. Curated by Naeger Family Insurance, a licensed independent agency in St. Louis.
Curated by Naeger Family Insurance · Licensed Independent Agency · St. Louis, MO
A Resource Built for Missouri Homeowners
Insurance policies are dense, confusing, and full of fine print. We built this site to change that. STL Home Auto Guide is a free, no-strings-attached educational resource — there's nothing to buy here, no forms to fill out, and no agent will call you.
Every guide and FAQ on this site is curated by the team at Naeger Family Insurance, a licensed independent agency that has served Missouri families for years. We know the questions homeowners ask, and we've written the answers you actually need.
"Missouri homeowners who bundle home and auto with one carrier save an average of 15–25% on their total premium."
Learn how bundling works →Explore by Topic
What Do You Want to Understand?
Featured Guide
What Missouri's Minimum Auto Coverage Actually Leaves You Exposed To
Missouri requires 25/50/10 liability coverage — but most drivers don't realize how quickly those limits are exhausted in a real accident. This guide breaks down exactly what you're covered for, and what you're not.
Have a Specific Question? Ask Aleena.
Aleena is Naeger Family Insurance's virtual assistant — available 24 hours a day to answer your insurance questions, explain your options, and help you understand what coverage is right for your situation.