# Tina Gregory Agency | Farmers Insurance Agent in Sullivan, MO > Tina Gregory Agency is a Farmers Insurance agency in Sullivan, Missouri, with options from other companies when Farmers isn't the fit. Auto, home, life and business insurance, explained in plain English. Call (573) 358-4513. Source: https://tinagregoryagency.com/ # Missouri coverage that feels like home Auto, home, life and business insurance from a hometown Farmers agency in Sullivan. We actually explain your coverage, then let you pick what works for you. That's Tina Gregory Agency. [Get My Free Quote](https://tinagregoryagency.com/quote) **Farmers + more** more doors, one office **Sullivan, MO** hometown team **52 reviews** Google & Farmers Hometown team in Sullivan, Missouri ## Local service, done right. We're a Farmers agency with more than one door. Tina and her team walk you through your coverage in plain English, then let you pick what works for you. And when Farmers isn't the right fit, we can quote other companies too. 5.0 Star rating, 52 reviews 9–5 Mon–Fri, Central [Call (573) 358-4513](tel:+15733584513) [Meet Tina and her team](https://tinagregoryagency.com/team/) Farmers first, not Farmers only ## One door, or more. We open the ones that fit. A one-company agent can quote **one company**. If its price or coverage doesn't fit, you start over somewhere else.We start with **Farmers** and its family companies, Foremost and Bristol West. When those aren't the fit, Kraft Lake lets us quote outside companies like Progressive and Liberty Mutual. ## Watch us shop. Here's what happens after you send us your ZIP: we check Farmers first, then the other companies that fit, and walk you through each option so you can pick. Not just a price. Sample household ### Sullivan, MO 63080 - **2** drivers - **2** cars - **1** home - Bundle: auto + home Farmers first, then the companies that fit… **0** / 6 - + ### Lowest price $ $ $ Meets your lender and Missouri law, with less room for a bad day. Liability 50/100/50 Uninsured motorist 50/100 Deductible $1,000 - Roadside Our pick ### Best value $ $ $ What we'd suggest for this household. You still get the final say. Liability 100/300/100 Uninsured motorist 100/300 Deductible $500 - Roadside - Rental car ### Most protection $ $ $ Highest limits, lowest deductibles, plus an umbrella quote. Liability 250/500/100 Uninsured motorist 250/500 Deductible $250 - Roadside - Rental car - Umbrella option Sample options for an illustrative household, not a quote. Which companies can quote depends on your drivers, cars, home and ZIP, and your price will differ. Non-Farmers companies are offered through Kraft Lake Insurance Agency. [Already a client? Pay a bill or report a claim →](https://tinagregoryagency.com/service-center/#carriers) ## Tina Gregory Agency helps protect the life you're building. [We explain. You choose. Every coverage walked through in plain English, then you pick what works.](https://tinagregoryagency.com/quote) [Talk to a real person. Tina and her team, right here in Sullivan. Not an 800-number queue.](tel:+15733584513) [A free review, every year. As your needs and the market change, your coverage keeps up.](https://tinagregoryagency.com/quote) [More than one door. Farmers first, plus other companies through Kraft Lake when Farmers isn't the fit.](https://tinagregoryagency.com/about-tina-gregory) [Landlords welcome. Rental homes around Sullivan and up and down the I-44 corridor.](https://tinagregoryagency.com/landlord-insurance) [Local business owners. Main-street shops, contractors and the businesses that keep Sullivan running.](https://tinagregoryagency.com/business-insurance) [Ready for Missouri storm season. Hail and wind deductibles, roof and water backup reviewed before the storms.](https://tinagregoryagency.com/home-insurance) [A house and a driveway full of cars? Bundle them in one place. Bundling may lower what you pay.](https://tinagregoryagency.com/quote) Most Popular ### Home Insurance Missouri homes, insured to real rebuild cost [Get a Quote](https://tinagregoryagency.com/quote) [Learn More](https://tinagregoryagency.com/home-insurance) Bundle & Review ### Auto Insurance More than Missouri's 25/50/25 minimum [Get a Quote](https://tinagregoryagency.com/quote) [Learn More](https://tinagregoryagency.com/auto-insurance) Apartments & Rentals ### Renters Insurance Your belongings, protected where you rent [Get a Quote](https://tinagregoryagency.com/quote) [Learn More](https://tinagregoryagency.com/renters-insurance) Rental Owners ### Landlord Insurance Rental homes, duplexes and the rent they earn [Get a Quote](https://tinagregoryagency.com/quote) [Learn More](https://tinagregoryagency.com/landlord-insurance) For Business Owners ### Business Insurance Shops, contractors and main-street businesses [Get a Quote](https://tinagregoryagency.com/quote) [Learn More](https://tinagregoryagency.com/business-insurance) River Country ### Flood Insurance Home policies don't cover flood. This does [Get a Quote](https://tinagregoryagency.com/quote) [Learn More](https://tinagregoryagency.com/flood-insurance) For Families ### Life Insurance Term and permanent options that keep plans intact [Get a Quote](https://tinagregoryagency.com/quote) [Learn More](https://tinagregoryagency.com/life-insurance) Extra Protection ### Umbrella Insurance Liability above your home and auto limits [Get a Quote](https://tinagregoryagency.com/quote) [Learn More](https://tinagregoryagency.com/umbrella-insurance) Weekends & Getaways ### Recreational RVs, boats, motorcycles, and everything fun [Get a Quote](https://tinagregoryagency.com/quote) [Learn More](https://tinagregoryagency.com/rv-insurance) ## More ways we protect you. Coverage built around real life. Farmers + More ### More than one door. One honest explanation. We start with Farmers. If it isn't the right fit, we can quote other companies through Kraft Lake, lay the options side by side, and explain each one so you can pick. 1 Farmers quote Every coverage explained 2 Another company's quote Same coverage, compared Your pick, explained Reviewed again at renewal Bundling ### One agency. Better together. Keep your home and every car in the driveway in one place. One agency, one review, and bundling may lower what you pay on both. H Home Policy Dwelling + liability A Auto Policy 3 vehicles, full coverage Bundled and covered One agency · one review Occupation Discounts ### Teachers, nurses, first responders. Ask about your discount. Farmers may offer discounts for many professions, from educators and nurses to firefighters, law enforcement, military, engineers and more. Eligibility varies. We'll check yours. "I teach at the high school. Is there a discount for that?" Occupation checked Educator, nurse, first responder… $ Applied where eligible Eligibility varies by policy Annual Review ### Your life changes. Your coverage should too. New car, remodel, teen driver, new rental. Every year we re-check your coverage and discounts together, free. "Finished the basement. Does the house need more coverage?" Yearly review booked With Tina or Matthew Beyond the Minimums ### The state minimum isn't a plan. Missouri's 25/50/25 rarely covers a serious crash on I-44. Uninsured motorist coverage is required here at 25/50, and underinsured is optional and worth a look. We size coverage to what you have to protect. **25/50/25** Missouri minimum Covers less than most new cars cost **Your plan** sized to your life Assets, family & lifestyle accounted for Rental Owners ### Rental homes and duplexes, covered properly. Single-family rentals and small multifamily: the structure, the rent it earns, and the liability many owners miss. R Rental · Sullivan Dwelling + loss of rent M Duplex · St. Clair Added to the same review $ Landlord liability The layer owners forget New Homebuyers ### Closing soon? Let's get it done. Lender-ready binders, escrow deadlines and proof of coverage, handled. One less thing between you and the keys. "Closing is Friday. Lender needs proof of insurance!!" Binder sent to lender Before closing day 🔑 Keys on Friday Covered from day one When It Happens ### The day you actually need us. A real person who knows your policy, walks you through the claim, and follows up until it's settled. This is what you're actually buying. ! Fender bender · I-44 Everyone's okay Claim started with you On the phone, step by step Followed to the finish Check-ins until it's closed ## Ballpark it. Then get your real number in one call. Zip Code Annual Mileage 12,000 mi Coverage Level Basic: 25/50/25 + UM (Missouri minimum) Full Coverage: + Collision & Comp Premium: Full + UM/UIM & Extras Driving Record Clean Record 1 Minor Violation 1 At-Fault Accident Multiple Incidents Household Drivers 1–2 adults 3+ adults Includes a teen driver Estimated Monthly Premium $164 per month Liability (25/50/25+) $66/mo Collision $54/mo Comprehensive $31/mo Add-ons $11/mo * Illustrative estimates only, not Missouri averages. Actual rates vary by carrier, driver, vehicle, home, coverage and ZIP. We start with Farmers and can compare other companies through Kraft Lake. Bundling home + auto may lower what you pay. [Get My Quote →](https://tinagregoryagency.com/quote) Home Value $350,000 Home Age 25 years Deductible $1,000 (Lower Deductible) $2,500 (Standard) $5,000 (Higher) $10,000 (High) Location Risk Lower storm exposure Standard small-town Missouri Higher wind/hail exposure Older roof (15+ yrs) Special Features None Pool Detached Garage / Workshop Pool + Outbuildings Estimated Annual Premium $2,860 per year ($238/mo) Dwelling $150/mo Personal Property $43/mo Liability $29/mo Other Structures $17/mo * Illustrative estimates only, not Missouri averages. Actual rates vary by carrier, driver, vehicle, home, coverage and ZIP. We start with Farmers and can compare other companies through Kraft Lake. Roof age, your deductibles and a water backup endorsement matter, and flood is always a separate policy. [Get My Quote →](https://tinagregoryagency.com/quote) Your Age 35 Coverage Amount $750,000 Term Length 10-Year Term 20-Year Term 30-Year Term Health Excellent Good Average Tobacco Use Non-smoker Smoker / tobacco user Estimated Monthly Premium $36 per month · level for the full term Coverage $750,000 Rate per $100k $4.80/mo Term 20 years Protection through age 55 * Illustrative estimates only, not Missouri averages. Actual rates vary by carrier, age, health, term and coverage amount. We start with Farmers and can compare other companies through Kraft Lake. Final rates depend on underwriting. Not an offer of insurance. [Get My Quote →](https://tinagregoryagency.com/quote) ## Keep exploring [Get a quote](https://tinagregoryagency.com/quote) [Meet Tina and her team](https://tinagregoryagency.com/team/) [Meet Tina](https://tinagregoryagency.com/about-tina-gregory) [Call (573) 358-4513](tel:+15733584513) **Farmers first.** More options when you need them. - Farmers - Foremost - Bristol West - Progressive - Liberty Mutual - Farmers - Foremost - Bristol West - Progressive - Liberty Mutual - Farmers - Foremost - Bristol West - Progressive - Liberty Mutual - Liberty Mutual - Progressive - Bristol West - Foremost - Farmers - Liberty Mutual - Progressive - Bristol West - Foremost - Farmers - Liberty Mutual - Progressive - Bristol West - Foremost - Farmers Foremost and Bristol West are Farmers Insurance Group companies. Progressive, Liberty Mutual and other non-Farmers companies are offered through Kraft Lake Insurance Agency, a Farmers-owned agency that acts as the agent of those companies. Logos are trademarks of their owners. ## What clients say. 52 reviews across Google and Farmers. Client name 1Placeholder, not a real review > “REVIEW PLACEHOLDER 1: paste a real client review here, word for word.” Client name 2Placeholder, not a real review > “REVIEW PLACEHOLDER 2: paste a real client review here, word for word.” Client name 3Placeholder, not a real review > “REVIEW PLACEHOLDER 3: paste a real client review here, word for word.” Client name 4Placeholder, not a real review > “REVIEW PLACEHOLDER 4: paste a real client review here, word for word.” [Read our reviews on Google ↗](https://share.google/EmsrPSUVltNYxlIqD) ## Missouri insurance questions. Straight answers. Why is my homeowners insurance going up in Missouri? Most increases have little to do with you and a lot to do with the weather and the cost of rebuilding. Missouri gets its share of hail, high wind and tornadoes, and the labor and materials needed to repair roofs and rebuild homes cost more than they used to. Those pressures push premiums up even for homeowners who have never filed a claim. What you can control: your deductibles, bundling your home with your cars, and making sure your dwelling limit matches what your home would actually cost to rebuild. Call us before you renew. We'll walk through the policy line by line, and if Farmers isn't the best fit anymore, we can check other companies too. How do wind and hail deductibles work? Some homeowners policies carry a separate wind/hail deductible. Instead of a flat dollar amount, it may be a **percentage of your dwelling coverage**. The Missouri Department of Commerce and Insurance gives this example: a 2% deductible on a home insured for $100,000 means the first $2,000 of a wind or hail claim is yours. Not every policy has one, and terms vary by company. Your roof's age and material can also affect how a roof claim is paid. We'll show you where yours sits and what it would cost to change it. Does homeowners insurance cover a flooded basement from a sump pump failure or sewer backup? Usually not on its own. Standard homeowners policies usually exclude water that backs up through drains or overflows from a failed sump pump **unless you add a water backup endorsement**. If your basement is finished, it's one of the most useful add-ons there is. Water backup is different from flood. Backup coverage is for water coming up through your drains or sump. Flood insurance is for surface water rising from outside, like the Meramec over its banks. We'll check whether your policy has backup coverage, and how much. Do I need flood insurance in Sullivan? It's worth a serious look. **A standard homeowners policy does not cover flood.** The Meramec and Bourbeuse rivers reached record levels in December 2015 and again in May 2017, and flash flooding doesn't stop at flood-zone lines. Flood is a separate policy, usually through the National Flood Insurance Program (NFIP), which generally has a 30-day waiting period before coverage starts. If your home is in a high-risk flood zone and you have a mortgage, your lender will require it. Learn more on our [flood insurance page](https://tinagregoryagency.com/flood-insurance). Does homeowners insurance cover earthquakes or sinkholes in Missouri? Usually not. Earthquake coverage is bought separately, and the Missouri Department of Commerce and Insurance notes deductibles of 10 to 20 percent are common. Most standard policies also exclude earth movement, which is how sinkhole damage is often treated. Missouri has thousands of identified sinkholes, and the New Madrid Seismic Zone in southeast Missouri is a real risk. We'll explain what your policy says, what an endorsement would add, and what it costs, then you decide. Is Missouri's minimum auto coverage (25/50/25) enough? Rarely. Missouri requires 25/50/25 liability limits: $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage. Missouri is an at-fault state, so if you cause a serious crash on I-44, medical bills and today's vehicle prices can outrun those limits fast, and you could owe the rest. We'll explain what each limit does in plain English and show you what higher limits cost. Then you pick. Is uninsured motorist coverage required in Missouri? Yes. Missouri requires uninsured motorist coverage on auto policies, at least $25,000 per person and $50,000 per accident. It protects you and your passengers when a driver with no insurance hits you. Underinsured motorist coverage, for drivers who have some insurance but not enough, is optional in Missouri. It's often inexpensive, and it's one of the coverages we always walk through. How can I lower my car insurance in Missouri? Start with a conversation. Bundle your cars with your home, condo or renters policy, raise your deductible if you have savings to cover it, drop collision on a car that isn't worth much anymore, and make sure every discount you may qualify for is applied, including occupation discounts for many professions. If Farmers isn't the most competitive fit for your household, we can quote other companies through Kraft Lake. What doesn't work is quietly cutting your liability limits. That may save a few dollars a month and exposes everything you own. How much life insurance do I need? A common rule of thumb is 10 to 12 times your annual income, but the better math is specific to you: what's left on the mortgage, what it would cost to raise and educate your kids, any debts that wouldn't disappear, and how many years your family would need income if you weren't here. Term life is often more affordable than people expect. Try the life tab in our rate estimator to ballpark it, then sit down with us and we'll explain term and permanent options side by side. Are you only able to quote Farmers? No. We're a Farmers agency first, and that includes Farmers family companies like Foremost and Bristol West. When those aren't the right fit, we can quote outside companies such as Progressive and Liberty Mutual through Kraft Lake Insurance Agency, a Farmers-owned agency that works only with non-Farmers companies. Which companies can quote depends on your situation, but you get one local office and one team either way. Do you offer discounts for teachers, nurses, military and first responders? Farmers may offer discounts for many professions, including educators, nurses and physicians, firefighters, law enforcement, military, engineers, scientists, accountants, architects, lawyers and judges, librarians, veterinarians, pilots and dentists. Eligibility and amounts vary by policy and situation, so tell us what you do and we'll check what applies. Still have questions? [Call (573) 358-4513](tel:+15733584513) . We'll give you a straight answer. ## Ready when you are. One call covers it all. Auto, home, life and business coverage from a hometown Farmers agency in Sullivan. We explain it plainly, then you pick what works for you. [Call (573) 358-4513](tel:+15733584513) [or **get a free quote** online](https://tinagregoryagency.com/quote) ## One office. Right here in Sullivan. ### Tina Gregory Agency 📍 Sullivan office 878 Dunsford Dr Sullivan, MO 63080 [Get directions ↗](https://www.google.com/maps/search/?api=1&query=878%20Dunsford%20Dr%2C%20Sullivan%2C%20MO%2063080) 📞 Phone [(573) 358-4513](tel:+15733584513) The fastest way to reach Tina and her team ✉️ Email [tgregory1@farmersagent.com](mailto:tgregory1@farmersagent.com) Questions, quotes and policy changes 🕐 Hours Mon – Fri: 9:00 AM – 5:00 PM Central Sat – Sun: Closed --- **Tina Gregory Agency** · 878 Dunsford Dr, Sullivan, MO 63080 · (573) 358-4513 · Mon–Fri 9:00 AM–5:00 PM Central Request a quote: https://tinagregoryagency.com/quote-request (plain HTML form) or https://tinagregoryagency.com/quote (guided).