4.5 of 5 (523 reviews)
Excellent
Have A Home In Missouri? We Help Missouri Residents…
SAve hundreds
of
DOLlars
on home
INSURANCE
plans
without
paying rising
premiums or
Discovering
when it's too late
coverage gaps
LIMITED SLOTS AVAILABLE
Fill out this quick form and see how much you could be saving in home insurance. Plus, the first 50 people who fill in the form can get a completely FREE, no-obligation review of your current insurance.
🚨 SLOTS ARE RUNNING OUT!
Trusted by over 5000+ Missouri families
Missouri Is The 9th Most Expensive In the US For Home Insurance
Missouri residents pay the 9th highest home insurance rates in the country which is 56% above the national average. However, switching your agent from your current provider to Rone and Associates can help you not only decrease costs but also increase coverage. Here’s why:
Insurance Companies Profit When You Overpay
The truth is, most insurance agents don't want you to know you're overpaying. Missouri homeowners pay the 9th highest rates in the country - 56% above the national average. This isn't an accident.
Most agents earn higher commissions when your premiums increase. They're incentivized to keep your rates high, not to help you save money. That's why your rates keep climbing year after year, even when you haven't filed a claim.
At Rone & Associates, we work for YOU, not the insurance companies. That's why our clients typically save $450-$850 per year while getting better coverage.
join our happy clients
Hidden Coverage Gaps Put Your Family at Risk
60% of Missouri homeowners have dangerous gaps in their coverage they don't discover until it's too late. Most agents never mention these gaps because filling them doesn't always increase their commission.
These gaps can be devastating. From lawsuits that take everything you've worked for to water damage claims that get denied, the financial impact can be catastrophic.
Our proprietary coverage analysis system finds these gaps before you have to file a claim, protecting your family from financial disaster while often REDUCING your premiums.
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You’ll Get Real Service When You Actually Need It
When was the last time you called your insurance agent and got a real person on the first ring? When was the last time they explained your coverage in plain English?
Most agencies treat you like a policy number, not a person. You pay more each year while service gets worse.
Our clients get access to real Missouri agents who answer when you call, explain what's covered in plain language, and fight for you when you need to file a claim. All while paying LESS than they did with their previous provider.
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Did you know that 60% of Missouri homeowners don't know that their insurance does not cover a lot of common disasters and unwanted mishaps?
Did you know that 60% of Missouri homeowners don't know that their insurance does not cover a lot of common disasters and unwanted mishaps?
Save Hundreds While Getting Better Protection
We put your needs first, finding the perfect balance of coverage and cost. Our clients typically save $450-$850 annually while getting better protection than they had before.
Access to multiple insurance carriers competing for your business
Consistently secure rates below Missouri average
Create customized protection plans that eliminate expensive gaps
Real Missouri Agents Who Actually Answer The Phone
Tired of automated systems and unreturned calls? Our local Missouri team provides service that feels like family.
13+ years serving Missouri homeowners
2,300+ families protected by our team
24/7 support from agents who know you by name
Missouri's Only Gap-Free Protection System
Want complete protection without the premium shock? Our Gap-Free Protection System gives you peace of mind without breaking the bank.
Proprietary 27-point coverage analysis finds dangerous gaps
Full replacement cost coverage for your valuable possessions
Comprehensive water damage protection other policies exclude
Why Choose Us?
4.5 of 5 (523 reviews)
Excellent
$2M Universal Life Policy
$2,000,000
$350,000 Settlement
An 87-year-old client was struggling with increasing premiums on her $2M universal life policy. The insurance company offered only $87,271 as surrender value. We secured her $350,000 - four times more than the surrender offer - while eliminating all future premium payments.
Original Policy: $2,000,000
Surrender Value: $87,271
Our Settlement Offer: $350,000
Additional Value Created: $262,729
$2M Universal Life Policy
$2,000,000
$238,543 Settlement
A 75-year-old had tried unsuccessfully to sell his policy through two other brokers. After doing a little more research, he came across LIS on the internet. Our multi-buyer approach created the competitive environment needed to secure an acceptable offer. We completed the transaction before his next premium was due.
Original Policy: $2,000,000
Previous Attempts: Failed with two other brokers
Our Settlement: $238,543
Result: Better offer + no more premiums
Our Success Stories
Learn how we've helped policy owners transform their underperforming life insurance into significant cash settlements
$5M Term Policy
$5,000,000
$1M Coverage + $235k Cash
A 75-year-old client wanted to keep some coverage while eliminating premium payments. We helped him convert and keep $1M in coverage while selling the remaining $4M portion. The settlement paid for his retained coverage premiums for 3+ years.
Original Policy: $5,000,000
Coverage Retained: $1,000,000
Settlement Amount: $235,000
Result: Kept desired coverage + received cash
Is Rone & Associates the Right Partner for You?
Before filling out our savings calculator, please check if you fall into these categories to ensure we're the right fit.
Good Fit:
Missouri homeowners looking to save on their insurance
People tired of premium hikes every year
Homeowners concerned about coverage gaps
People who want better protection without higher premium
Not a Good Fit
Non-Missouri Residents
Renters and Non-Homeowners
People fine with premium hikes every year
People who don't want better protection or lower premiums
Client Testimonials
Jecsssica, at Rone ans Associates, is the 1st Allatate agent in Taney and Christian County that has impressed me. Night and day! Was preparing to change to USAA, due to the extremely poor and agonizing claim for a Nissan Titan. Took 6 weeks to get the check. How do you buy a replacement vehicle for work with that going on. You need to give Jessica a significant raise or you may lose a valuable employee to a competitive Company.
Linnie Decker
The level of customer service is incredibly top-notch. Both my husband and I feel we truly matter, not just to our agent, but to each person from the office we have spoken with. Rone Agency is seriously THE BEST in explaining different aspects of our policies and getting assistance in the future including the claims process and even roadside assistance. Thank you, Charity, for being so personable. We appreciate you very much!
Debbie Priest
Charity was soooo fantastic. She made suggestions, recommends ideas and such a personal experience. Thank you made my year
Carmen Burkhead
Jessica is easy to work with and takes her job seriously. I appreciate her efforts to keep me informed at all times. Thanks, Jessica!!
Lisa Jones
Charity was amazing in helping me understand some ways to get my monthly insurance cost down. Very personable and caring, she was a pleasure to speak with!
Mandie Mayr
Jessica was so helpful! She was informative and listened to my questions. I had planned on shopping around for insurance but I'm definitely staying with Allstate now. Thank you!
Shelly Howell
Charity and everyone that i talked to at the agency is very nice and helpful. They listen to your concerns and try everything they can to help you and get you the best deal on products you need. 10/10
Jeremy Massey
Rone-Associates provides great coverage for our home & auto insurance. We receive notices when policies are approaching renewal as well as phone calls to clarify coverage. We know that we really are IN GOOD HANDS!
Sherry Johnson
I’m impressed with the excellent customer service at Rone and Associates Agency. I recently spoke with an associate who was kind, caring, and took the time to review my policy with me. I really appreciate their attention to detail and how they ensured everything was correct before processing my payment. I highly recommend Rone and Associates.
Amber Johnson
I just completed a telephone appointment with Charity. She is most thorough, helpful, and cheerful. What a pleasant woman! I have never had the incredible service from any other insurance company or agency. I will recommend them to all my friends and relatives. Although they live some miles away from St. Louis, I feel as though the agency has been here with me every time we speak. Thank you!
Sue Tretter
Success in insurance isn’t about working harder—it's about deploying smarter systems that make growth inevitable and limitless.
Meet Sid Rone, Your Dedicated Agent
Sid Rone is the founder and principal agent at Rone & Associates. His journey in insurance began with a simple mission: helping Missouri families get the protection they need without overpaying for it.
With over 13 years of experience in the insurance industry, Sid has helped thousands of Missouri homeowners find better coverage at lower rates. He founded Rone & Associates with a commitment to transparency, education, and putting clients first - principles that have made the agency one of the most trusted in Missouri.
"We go beyond what's expected to take care of our customers' needs, protect their dreams and keep our promise of service excellence," says Sid. "I've gotten to know many local families as an agent in Ozark. I enjoy being a part of the community, and building local relationships is one of the best parts of my job."
Sid understands what life is like in Missouri - that you choose your home and vehicles to fit your lifestyle and budget. He believes insurance should work the same way. Instead of one-size-fits-all policies, Sid and his team create customized protection plans that eliminate dangerous coverage gaps while often saving clients hundreds each year.
Beyond growing the business, Sid and his team are passionate about educating homeowners about their options. They strive to create more awareness about the fact that insurance doesn't have to be a financial burden - it can actually save you money while providing better protection.
Document your journey, Flynn, because if you keep going on the path you're on with those results at your agency, there'll be an incredible story to tell.
Steven Bartlett
Investor on Dragons' Den, Host of The Diary of a CEO
Flynn Blackie, an arbiter for Gen-Z entrepreneurship. A young man destined to make a big impact on his journey.
Brendan Kane
Author of One Million Followers and Founder of Hookpoint
Flynn is determined and creative. I'm truly excited to be able to support a bright mind that is shaping solutions for a better future.
Taavet Hinrikus
CEO and Founder of Wise (formerly Transferwise)
Flynn defies the odds. His youth has made him open-minded. He focuses relentlessly on listening and gaining feedback.
Tim Denning
Contributor at Entrepreneur Magazine, Business Insider and Top Writer on LinkedIn
Flynn is a rockstar. A super exciting young entrepreneur with a ludicrous amount of potential! Go Flynn!
Rhonda Swan
Host of The Unstoppable Show and Author of Master Emotional Intelligence
Flynn is a star. I've been watching his journey since its infancy and it's never failed to bring a smile. Can't wait to see what comes next.
Alison Edgar MBE
Author of Secrets of Successful Sales & Smash It! The Art of Getting What You Want
INDUSTRY TITANS ON OUR FOUNDER
Great work attracts great people!
Learn more about us in the press
Interested in Our System?
If you're ready to take control, unlock more capacity, grow your book of business and get more high-quality customers - then it’s time to take the next step. Let’s talk about how we can implement our proven 'Click to Commission' strategy tailored specifically for you and turn you into a dominant force. Don't let your competitors get ahead—schedule a call with us today and start seeing the growth you’ve been aiming for.
Frequently Asked Questions
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Is switching insurance companies difficult?Not with us! We handle everything with just one signature. Our team manages all the paperwork, cancels your old policies, and ensures you have no coverage gaps during the transition. Most clients tell us it's the easiest financial decision they've ever made.
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Will I lose coverage if I switch to save money?Absolutely not. In fact, most of our clients get BETTER protection than they had before, while paying less. We don't cut corners on coverage, we eliminate wasteful spending and find you the right protection at the right price.
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Do I need to wait until my current policy expires?No! We can switch your coverage anytime, and you'll receive a refund for any unused premium from your current insurer. With rates projected to increase another 7-12% this year, waiting could cost you hundreds.
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What is an "umbrella policy" and why do I need one?An umbrella policy provides extra liability protection beyond your standard home and auto policies, protecting you from lawsuits that could otherwise take everything you've worked for. For just $20-30 per month, you can add $1 million in protection.
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How much can I really save on my home insurance?Our Missouri clients typically save between $450-$850 per year while getting better protection. Your exact savings will depend on your current coverage, home value, and other factors. Complete our quick form to see your personalized savings estimate.
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What costs are involved?Our initial policy valuation is completely free. We only get paid when we successfully settle your policy, taking a percentage of the settlement amount.