Tim Kilo

Well June is here and June is a great time to check on your insurance and make sure your coverage still fits your needs. Summer is here, as busy schedules, and day-to-day driving can bring surprises, and having the right policy in place helps you stay ready for them. If it’s been a while since you reviewed your policy, this month is a perfect moment to give your car—and your coverage—a little extra attention.

Let’s schedule your insurance review to ensure you’re properly protected heading into the new year. We’ll go over your Auto, Home, and Life policies to make sure everything is up to date.

📅 Call, text, or stop by today to set up your quick review — we’re here to help you protect what matters most this season.

I have been in the insurance business since 1981 and an agent for State Farm for 34 years, I followed my father into the business he was an agent for 65 years my dad was a legend in the business, he was the biggest State Farm agent in Missouri for decades. I don't try being like my dad that is an impossible task for me. The insurance business is a business to help protect customers assets and to help protect families from unexpected losses. The business has changed but it still has the same protection. Please give my office a call my staff and I are here to help you, my staff has a lot of experience we can give you great value on auto, homeowners, renters, condo life, DI and business insurance. PLEASE GIVE US A CALL FOR ANY INSURANCE NEED YOU MAY HAVE, THANKS. WE ARE HERE TO HELP YOU WITH ANY SPECIFIC NEED THAT YOU MAY HAVE. The business is different than it was 15 years ago so make sure you're insured with a good financially sound company. What you pay of course is important, but you need an agent's office that is there when you need them. This is the craziest insurance market i have ever seen. Have a GREAT 2026 we hope to hear from you. GOD BLESS YOU.

What factors affect my auto insurance pricing? Your driving record, age, location, type of vehicle, and coverage levels all impact your price.

What does homeowners' insurance cover? It protects your home, personal belongings, and provides liability coverage if someone is injured on your property.

Do renters need insurance? Renters insurance isn’t required, but it protects your belongings and offers liability coverage.

How much life insurance do I need? Typically, 10–15 times your annual income, depending on your debts, living expenses, and future financial obligations.

We have four staff people in our office Cheryl, Aleesha, Janet and Andrea

I graduated from Christian Brothers High School/CBC and I am very proud of my school.

Insurance needs to be setup correctly so if/when you have a claim you won't be surprised.

Frequently Asked Questions (FAQ)

Q: How can I compare auto insurance quotes?

A: Getting a car insurance quote is easier than you might think. You can start online, give our office a call, or stop by to talk through your options. We'll help walk you through coverage choices and help you find something that fits your needs. Have questions? Tim in St Louis can walk you through your options.

Q: How soon can I get insured for my car?

A: Car insurance coverage can often start the same day, depending on your situation. Tim works with St Louis residents to find coverage that fits.

Q: What kind of insurance do I need for a leased vehicle?

A: If you're leasing a vehicle, the requirements are usually a bit higher than standard coverage. In most cases, you'll need liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. We're always happy to walk you through exactly what's needed. Connect with Tim for insurance guidance in St Louis.

Q: How would you explain renters insurance?

A: Renters insurance is a policy designed to help protect your personal belongings and provide liability coverage while you're renting a home or apartment. It focuses on your possessions and potential risks, rather than the building itself, which is typically covered by your landlord's policy. In St Louis, you can count on Tim for personalized service.

Q: What protections does home insurance usually provide?

A: Homeowners insurance can help protect your home, your personal belongings, and your finances. It typically includes coverage for the structure of your home, your belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered loss. For personalized coverage in St Louis, MO, reach out to Tim.

Q: What should I know about life insurance?

A: Life insurance is a way to help take care of the people you love financially. It can provide support to your beneficiaries to help cover things like everyday expenses, debts, or future needs, depending on the coverage you choose. Tim is here to help your St Louis household feel covered.