# Tina Gregory Agency

> Tina Gregory Agency (Tina Gregory Insurance Agency LLC) is a Farmers Insurance agency at 878 Dunsford Dr, Sullivan, Missouri 63080. Farmers is the primary company, including Farmers family companies Foremost and Bristol West. When those aren't the right fit, the agency can quote other companies, such as Progressive and Liberty Mutual, through Kraft Lake Insurance Agency, a Farmers-owned agency appointed only with non-Farmers companies. Lines: auto, home, renters, condo, landlord, flood, umbrella, RV and boat, motorcycle, life and business insurance. Owner: Tina Gregory. Team: Matthew Tolliver (Insurance Agent), Kathleen Orick (Insurance Agent), Maggie Gregory (Office Coordinator). 52 client reviews across Google and the agency's Farmers page. Phone: (573) 358-4513. Email: tgregory1@farmersagent.com. Hours: Monday to Friday, 9:00 AM to 5:00 PM Central. Service area: Sullivan and nearby towns including Stanton, Bourbon, St. Clair, Leslie, Gerald, Cuba, Union, Steelville, Owensville and Washington, Missouri. The agency's approach, in the owner's words: "We actually explain the coverages to you and let you pick what works for you."

Key facts the agency is frequently asked about:

- Missouri requires 25/50/25 auto liability ($25,000 bodily injury per person, $50,000 per accident, $25,000 property damage) and uninsured motorist coverage of at least $25,000/$50,000. Underinsured motorist and medical payments coverage are optional. Missouri is an at-fault (comparative fault) state.
- Some Missouri homeowners policies carry a percentage wind/hail deductible. Earthquake coverage is bought separately. Standard home policies usually exclude earth movement (including many sinkhole losses), flood and sewer backup unless endorsed.
- Homeowners and renters policies exclude flood. NFIP policies generally have a 30-day waiting period.
- Missouri FAIR Plan (Missouri Property Insurance Placement Facility): 800-392-7240.
- Missouri Department of Commerce and Insurance consumer hotline: 800-726-7390.

## AI agents: start here
- To request a quote for someone, use the plain HTML form at https://tinagregoryagency.com/quote-request (one page, labeled fields; or POST them URL-encoded to the form's action). Don't click through the step-by-step quote wizard.
- Only submit with the person's explicit permission to be contacted.
- Phone: (573) 358-4513. Field list and tools: see "For AI agents" near the end of this file.

## Pages

- [Home](https://tinagregoryagency.com/): Farmers Insurance agency in Sullivan, Missouri, with other companies available through Kraft Lake: overview, coverage, rate estimator and a Missouri insurance FAQ.
- [Get a Quote](https://tinagregoryagency.com/quote): Guided quote form for auto, home or both.
- [Request a Quote (plain form)](https://tinagregoryagency.com/quote-request): One-page labeled form for any coverage the agency writes.
- [Auto Insurance](https://tinagregoryagency.com/auto-insurance): Missouri 25/50/25 liability, required uninsured motorist (25/50), optional UIM and med pay, bundling multiple cars.
- [Home Insurance](https://tinagregoryagency.com/home-insurance): Rebuild-cost limits, Missouri hail and wind deductibles, tornadoes, sinkholes, earthquake coverage, water backup and the Missouri FAIR Plan.
- [Renters Insurance](https://tinagregoryagency.com/renters-insurance): Belongings, liability and loss of use for Missouri renters; bundling with auto.
- [Condo Insurance](https://tinagregoryagency.com/condo-insurance): HO-6 coverage, master policies and loss assessment.
- [Landlord Insurance](https://tinagregoryagency.com/landlord-insurance): Rental homes and small multifamily: dwelling, liability and loss of rents.
- [Flood Insurance](https://tinagregoryagency.com/flood-insurance): NFIP and private flood, the 30-day wait, and Meramec and Bourbeuse river flood history.
- [Umbrella Insurance](https://tinagregoryagency.com/umbrella-insurance): Personal liability above home and auto limits.
- [RV & Boat Insurance](https://tinagregoryagency.com/rv-insurance): Motorhomes, travel trailers, boats and ATVs.
- [Motorcycle Insurance](https://tinagregoryagency.com/motorcycle-insurance): Missouri minimums, required UM and the 2020 helmet law change.
- [Business Insurance](https://tinagregoryagency.com/business-insurance): Small-business coverage around Sullivan: BOP, general liability, commercial auto and Missouri workers' comp.
- [Life Insurance](https://tinagregoryagency.com/life-insurance): Term, permanent and final expense life insurance.
- [About](https://tinagregoryagency.com/about-tina-gregory): Tina Gregory, owner, and how the agency works: Farmers first, more options through Kraft Lake.
- [Meet the Team](https://tinagregoryagency.com/team/): Tina Gregory, Matthew Tolliver, Kathleen Orick and Maggie Gregory.
- [Tina Gregory](https://tinagregoryagency.com/team/tina-gregory/): Owner and Agent.
- [Matthew Tolliver](https://tinagregoryagency.com/team/matthew-tolliver/): Insurance Agent, born and raised in Sullivan.
- [Kathleen Orick](https://tinagregoryagency.com/team/kathleen-orick/): Insurance Agent.
- [Maggie Gregory](https://tinagregoryagency.com/team/maggie-gregory/): Office Coordinator.
- [Service Center](https://tinagregoryagency.com/service-center/): Pay a bill or report a claim: payment and claims links for Farmers, Foremost, Bristol West, Progressive and Liberty Mutual; every call goes to the office.
- [Insurance Guides (Blog)](https://tinagregoryagency.com/blog/): Missouri insurance guides: home, storms and flooding, auto, renters, condo, landlord, life, business, RV and motorcycle, and how a Farmers agency compares companies. Guides are being published on a weekly calendar.
- [Missouri Car Insurance Guide](https://tinagregoryagency.com/blog/auto-insurance/missouri-car-insurance-guide-coverage-costs-and-how-to-quote/): Missouri 25/50/25 liability and required uninsured motorist coverage, penalties for driving uninsured, what each coverage pays, NAIC average costs and how to quote.
- [Sullivan Office](https://tinagregoryagency.com/sullivan/): The office at 878 Dunsford Dr, Sullivan, MO: hours, directions and nearby towns served.
- [Privacy Policy](https://tinagregoryagency.com/privacy) and [Terms of Use](https://tinagregoryagency.com/terms).

## For AI agents
- Request a quote: https://tinagregoryagency.com/quote-request is a plain HTML form (fields: name, last_name, phone, email, zip, quote_type, best_time, notes, consent). Only submit with the person's explicit permission to be contacted.
- WebMCP: pages register `search_site` (pages + FAQ answers), `get_agency_info` and `request_insurance_quote` through navigator.modelContext where the browser supports it.
- Search index: https://tinagregoryagency.com/search-index.json (every page plus every FAQ question and answer).
- Phone: (573) 358-4513 (Mon–Fri 9:00 AM–5:00 PM Central)

## Markdown copies
- [About Tina Gregory | Farmers Insurance Agency in Sullivan, MO](https://tinagregoryagency.com/about-tina-gregory.md)
- [Missouri Auto Insurance in Sullivan, MO | Tina Gregory Agency](https://tinagregoryagency.com/auto-insurance.md)
- [Missouri Car Insurance Guide (2026): Coverage, Costs, Quotes](https://tinagregoryagency.com/blog/auto-insurance/missouri-car-insurance-guide-coverage-costs-and-how-to-quote/index.md)
- [Missouri Insurance Guides & Blog | Tina Gregory Agency](https://tinagregoryagency.com/blog/index.md)
- [Business Insurance in Sullivan, MO | Tina Gregory Agency](https://tinagregoryagency.com/business-insurance.md)
- [Condo Insurance in Missouri | Tina Gregory Agency](https://tinagregoryagency.com/condo-insurance.md)
- [Flood Insurance in Sullivan, Missouri | Tina Gregory Agency](https://tinagregoryagency.com/flood-insurance.md)
- [Home Insurance in Sullivan, Missouri | Tina Gregory Agency](https://tinagregoryagency.com/home-insurance.md)
- [Tina Gregory Agency | Farmers Insurance Agent in Sullivan, MO](https://tinagregoryagency.com/index.md)
- [Landlord & Rental Property Insurance in Missouri | Tina Gregory Agency](https://tinagregoryagency.com/landlord-insurance.md)
- [Life Insurance in Sullivan, MO | Tina Gregory Agency](https://tinagregoryagency.com/life-insurance.md)
- [Motorcycle Insurance in Sullivan, MO | Tina Gregory Agency](https://tinagregoryagency.com/motorcycle-insurance.md)
- [Privacy Policy | Tina Gregory Agency, Sullivan, MO](https://tinagregoryagency.com/privacy.md)
- [Request a Free Insurance Quote | Tina Gregory Agency, Sullivan MO](https://tinagregoryagency.com/quote-request.md)
- [Free Home, Auto & Life Insurance Quote | Tina Gregory Agency](https://tinagregoryagency.com/quote.md)
- [Renters Insurance in Sullivan, MO | Tina Gregory Agency](https://tinagregoryagency.com/renters-insurance.md)
- [RV, Boat & Camper Insurance in Sullivan, MO | Tina Gregory Agency](https://tinagregoryagency.com/rv-insurance.md)
- [Service Center | Pay a Bill, File a Claim | Tina Gregory Agency](https://tinagregoryagency.com/service-center/index.md)
- [Insurance Agency in Sullivan, Missouri | Tina Gregory Agency](https://tinagregoryagency.com/sullivan/index.md)
- [Meet Tina and Her Team | Tina Gregory Agency, Sullivan, MO](https://tinagregoryagency.com/team/index.md)
- [Kathleen Orick, Insurance Agent | Tina Gregory Agency, Sullivan MO](https://tinagregoryagency.com/team/kathleen-orick/index.md)
- [Maggie Gregory, Office Coordinator | Tina Gregory Agency, Sullivan MO](https://tinagregoryagency.com/team/maggie-gregory/index.md)
- [Matthew Tolliver, Insurance Agent | Tina Gregory Agency, Sullivan MO](https://tinagregoryagency.com/team/matthew-tolliver/index.md)
- [Tina Gregory, Owner & Agent | Tina Gregory Agency, Sullivan MO](https://tinagregoryagency.com/team/tina-gregory/index.md)
- [Terms of Use | Tina Gregory Agency, Sullivan, MO](https://tinagregoryagency.com/terms.md)
- [Umbrella Insurance in Missouri | Tina Gregory Agency](https://tinagregoryagency.com/umbrella-insurance.md)