HomeShield Review — Free Home Insurance Guide · St. Louis Area

Free homeowners insurance guide · St. Louis area

Warning: Most homeowners are overpaying for coverage that wouldn't fully protect them if something actually happened.

Find out if you're one of them. Get the free guide that shows you the five mistakes most homeowners never catch — until it's too late.

Free. Instant. No sales call required to get it.

Delivered instantly to your inbox · No obligation · No carrier attached

The numbers behind why this matters

64% CoreLogic reports 64% of homeowners are underinsured, most by more than 20% CoreLogic / Cotality

47% of homeowners received a carrier-initiated rate hike last year, a 10-year high J.D. Power 2025

93%+ of homeowners are not actively shopping their coverage J.D. Power 2024

$0 cost to get the guide and find out exactly where your policy stands HomeShield Review

Insurance companies make more money when you don't ask questions.

When you set up your homeowners policy and let the auto-pay run, that's exactly where they want you. Rates creep up quietly. Your home's value changes. Your coverage stays exactly the same.

Here's how it happens to most people: you bought your home, set up your mortgage, and your insurance became a line on your escrow statement, or a card that gets charged automatically every year. It renews quietly. You never see a bill, never get a reminder, and never have a reason to think about what's actually in the policy. That's not carelessness. That's how the system is designed. But it means most homeowners haven't had a real look at their coverage in years. In that time, rates went up, home values changed, and the policy didn't.

Most homeowners have never had a real conversation with someone who actually looked at their full coverage picture. This guide changes that. In plain language, it shows you the five mistakes that are most likely costing you money, leaving you exposed, or both.

What's in the guide

Five mistakes most homeowners never catch

Here's a preview of what the guide covers — and why each one matters.

1 Letting the auto-pay run — the loyalty trap. Your carrier raises your rate a little every year. You never notice. You've been on autopilot and your loyalty is being charged, not rewarded.
2 Buying coverage without a professional review. Online policies skip the questions that matter. Jewelry, water backup, electronics, extended liability — most people are missing at least one critical rider and don't know it.
3 Not knowing ACV from RCV. Actual cash value pays what your damaged property is worth today after depreciation. Replacement cost pays for a new one. On a roof claim, that gap can be $15,000 or more — and most homeowners don't know which one they have.
4 Assuming your coverage kept up with your home's value. Home values surged. Most policies didn't adjust. 64% of homeowners are underinsured, most by more than 20%.
5 Assuming an older roof means you're uninsurable. Most carriers say no. That's not the final answer. Some will write older roofs with full replacement cost coverage — if you know who to ask.

The guide walks through all five in plain English — what they are, why they happen, and what to do about them.

Delivered instantly · No obligation · No carrier attached

What the guide helps you find

Most readers find at least one of these.

They're overpaying

The rate crept up while coverage stayed the same. Hundreds a year in unnecessary premium.

They're underprotected

A gap in coverage they didn't know existed. One that only shows up at claim time.

They're in good shape

Coverage is solid, rate is fair. Worth knowing — and worth confirming.

The guide is free. It takes ten minutes to read. Whatever you find out, you're better off for knowing.

Delivered instantly · No obligation · No sales call

No obligation The guide is free with no strings attached

Your info stays private Never sold or shared with any carrier

Delivered instantly In your inbox before you close this page

St. Louis area expertise Written by someone who knows this market

Ready to find out where you stand?

Your home is your biggest asset. The guide is free.

Most homeowners are making at least one of these five mistakes. The guide shows you which ones — in plain English, in about ten minutes.

Delivered instantly · No carrier attached · No obligation

By submitting you may be contacted by a local insurance professional to discuss your coverage. No obligation.

HomeShield Review — Free 15-Minute Coverage Check · St. Louis Area

Local insurance expert · St. Louis area

Warning: Your homeowners insurance probably went up again. You might be getting less than you think.

More than 64% of American homeowners are underinsured. Not just overpaying. Actually exposed. Most find out at claim time.

A local expert prepares your rate before the call. Your 15 minutes starts with a real number.

Coverage Report instantly · Rate prepared before your call · Free

No agent name · No carrier · No sales scripts

What you get

One form. Three things happen immediately.

①

Your HomeShield Coverage Report

Lands in your inbox the moment you submit. Five things your insurance company hopes you never read, in plain English.

Arrives instantly

②

Your rate, prepared before you pick up the phone

A local expert runs a preliminary rate on your property before your call. When you get on the phone, there's a number ready. Not a questionnaire.

In progress after you submit

③

Your free 15-Minute Coverage Check

A straight conversation. Here's your rate. Here's where your coverage stands. Here are your options. Done in 15 minutes. No pitch, no pressure.

Book on the next page

We ask a few more questions than most because we do more than most. Your information lets us prepare a real rate before your call, not during it.

Coverage Report instantly · Rate prepared before your call · No obligation

Insurance companies make more money when you don't ask questions.

Here's how it happens to most people: you bought your home, set up your mortgage, and your insurance became a line on your escrow statement, or a card that gets charged automatically every year. It renews quietly. You never see a bill, never get a reminder to look at the coverage, and never have a reason to think about what's actually in the policy. That's not carelessness. That's how the system is designed. But it means most homeowners haven't had a real look at their coverage in years. In that time, rates went up, home values changed, and the policy didn't.

Most homeowners haven't had a single conversation with someone who actually looked at their full coverage picture, not when they bought the policy, not since. That gap is costing them.

This check exists to close that gap. A local insurance expert who knows this market and these neighborhoods, not a call center rep working from a script. They take a real look at your numbers and tell you exactly where you stand.

What most homeowners don't know

Five things your insurance company hopes you never find out

Here's a preview of what's in your Coverage Report, and what your 15-Minute Check will show you about your own policy.

1 Your carrier raised your premium an average of 19% in the last two years. Did your coverage go up too? It didn't. You're paying more for exactly the same policy. Or less.
2 If your insurance pays through escrow or auto-pay, there's a real chance no one has reviewed your actual coverage in years. Including you. Riders get missed. Limits go stale. The payment runs and nobody looks.
3 Home values in this area have surged. If yours has too, you may be underinsured on replacement cost by $50,000 or more. Your carrier won't tell you until you need to rebuild.
4 Most homeowners don't know if they have replacement cost or actual cash value coverage on their roof. The difference can be the gap between a new roof and a check that doesn't come close to covering one.
5 Your loyalty is being charged, not rewarded. Carriers have raised premiums to a 10-year high. The homeowners who don't shop keep funding the ones who do.

That's five things most homeowners never find out until they file a claim and discover their coverage wasn't what they thought. Your 15-Minute Check costs you nothing to find out which ones apply to you.

Coverage Report instantly · Rate prepared before your call · Free

There is no scenario where this doesn't help you

Every check ends one of three ways. All three are good.

💰

You save money

We find you're overpaying. Hundreds back annually.

🛡️

Better coverage

We find gaps. You fill them. Your home is finally protected right.

✓

You walk away knowing

Coverage solid, rate fair. You know it now, not at claim time.

Costs you nothing

Free. No carrier. No pitch. No obligation to change a thing.

There is no fourth bad outcome. No sales trap. No obligation. No carrier pitch. A local expert who knows this market takes a real look at your numbers, and it costs you nothing. That's the whole offer.

Coverage Report instantly · Rate prepared before your call · No obligation

What this check is, and what it isn't

A straight look at your numbers. Nothing more.

This isn't a sales call. There's no agent name on this, no carrier attached, no pressure to switch anything. A local insurance expert who lives and works in this market reviews your coverage and tells you the truth: whether that's good news, a gap you can fix, or a rate you shouldn't be paying.

What makes it different: before you even get on the phone, your rate is already being prepared. Your 15 minutes starts with a real number, not a questionnaire.

The check is free. It takes 15 minutes. And it exists for one reason: so you can stop wondering.

Coverage Report instantly · Your carrier info is never shared. Ever.

How it works

Fast. Prepared. No surprises.

Fill out the form. Your Coverage Report arrives instantly.

Your HomeShield Coverage Report lands in your inbox the moment you submit. Five things your insurance company hopes you never read, in plain language. Read it while we get to work on your rate.

Coverage Report delivered immediately

While you read, we prepare your rate

Your property information goes to a local insurance expert who knows St. Louis-area homes. They run a preliminary rate before your call. When you get on the phone, there's a number ready. Not a form to fill out.

Rate prepared before your call

Your 15-Minute Coverage Check

A straight conversation with a local expert. Here's your rate. Here's where your coverage stands. Here are your options. Done in 15 minutes. No pitch, no pressure.

Book on the next page

No obligation

Zero pressure to change your current policy

Your info stays private

Never sold or shared with any carrier

Rate prepared before your call

A real number waiting, not a questionnaire

St. Louis area expertise

A local expert who knows this market

Ready to know where you stand?

Your home is your biggest asset. It deserves a real look.

Free. 15 minutes. A local expert who knows St. Louis-area homes. Whatever we find, you come out ahead: savings, better coverage, or confirmation you're already in good shape.

Coverage Report instantly · Rate prepared before your call · No obligation

No sales calls · No carrier affiliation · Your information stays private