# Insurance Agency in Sullivan, Missouri | Tina Gregory Agency > Farmers Insurance agency at 878 Dunsford Dr in Sullivan, Missouri, with other options through Kraft Lake. Auto, home, life and business. Call (573) 358-4513. Source: https://tinagregoryagency.com/sullivan/ [Home](https://tinagregoryagency.com/) / Sullivan, Missouri # Your Sullivan insurance agency, right on Dunsford Drive. We're a Farmers agency with more than one door. We actually explain the coverages to you and let you pick what works for you, whether that's Farmers or another option through Kraft Lake. [Get My Free Quote](https://tinagregoryagency.com/quote) [or call **(573) 358-4513**](tel:+15733584513) **Sullivan** Local office **52** Client reviews **4** Hometown team **Mon–Fri** 9 AM to 5 PM Central The Quick Answer **Tina Gregory Agency** is a **Farmers Insurance agency at 878 Dunsford Dr in Sullivan, Missouri**, open **Monday to Friday, 9:00 AM to 5:00 PM Central**. Owner **Tina Gregory** leads a **local team of four** that helps families and businesses in Sullivan and nearby towns in Franklin and Crawford counties. **Farmers comes first.** When Farmers isn't the best fit, we can also quote companies like Farmers family companies **Foremost and Bristol West**, or outside companies like **Progressive and Liberty Mutual through Kraft Lake Insurance Agency**. We explain the coverages in plain English and let you pick. Sullivan-area homeowners should know their **wind and hail deductible** and ask about a **separate flood policy** near the Meramec and Bourbeuse rivers. Missouri's auto minimum is **25/50/25**, plus required **uninsured motorist coverage**. We have **52 client reviews** across Google and our Farmers page. Call **[(573) 358-4513](tel:+15733584513)**. Office 878 Dunsford Dr, Sullivan, MO 63080 Hours Mon–Fri, 9:00 AM – 5:00 PM Central Reviews 52 across Google and our Farmers page Free quotes [(573) 358-4513](tel:+15733584513) ## Visit the Sullivan office. Or just call. Our office is at 878 Dunsford Dr in Sullivan. Stop in, call or email. Most quotes can be handled by phone, and we're glad to sit down in person when that's easier. Address Sullivan ### 878 Dunsford Dr Sullivan, MO 63080 [Open in Google Maps](https://www.google.com/maps/search/?api=1&query=878+Dunsford+Dr%2C+Sullivan%2C+MO+63080) · [Get directions](https://www.google.com/maps/dir/?api=1&destination=878+Dunsford+Dr%2C+Sullivan%2C+MO+63080) Phone & email [(573) 358-4513](tel:+15733584513) ### Call or email us [tgregory1@farmersagent.com](mailto:tgregory1@farmersagent.com) Quotes, questions and policy reviews all start here. Hours Mon–Fri ### 9:00 AM – 5:00 PM Central Already a client? Visit the [Service Center](https://tinagregoryagency.com/service-center/) for help with an existing policy. Sullivan Roots ## We live here too. So does our team. Sullivan sits on the Franklin and Crawford county line, where I-44 meets MO-185 and historic Route 66 still runs through town. It's a small city, about 6,900 people as of the 2020 census, with Meramec State Park just down the road. It's home, and it's where our office is. Our team of four is local. **Tina Gregory** owns the agency. **Matthew Tolliver**, one of our insurance agents, was born and raised in Sullivan. **Kathleen Orick** has lived in Sullivan for 10 years and also teaches locally. **Maggie Gregory**, our office coordinator, keeps things running behind the scenes. [Meet the team](https://tinagregoryagency.com/team/). Here's how we work. **We actually explain the coverages to you and let you pick what works for you.** We're a Farmers agency first. When Farmers isn't the best fit, we can also quote Farmers family companies like Foremost and Bristol West, or other companies like Progressive and Liberty Mutual through Kraft Lake Insurance Agency. No pressure either way. [More about Tina](https://tinagregoryagency.com/about-tina-gregory). ## Coverage we write for Sullivan families and businesses. Farmers first, other options when it fits. Personal and business coverage, explained in plain English. Not every product is available from every company, so we'll tell you what fits. Pick a line to learn more, or [request a quote](https://tinagregoryagency.com/quote-request) for anything below. [Auto Coverage built above Missouri's 25/50/25 minimum, including the uninsured motorist coverage Missouri requires.](https://tinagregoryagency.com/auto-insurance) [Home Dwelling limits set to rebuild cost, plus a close look at your wind and hail deductible.](https://tinagregoryagency.com/home-insurance) [Umbrella An extra layer of liability above your home and auto policies, for households with assets to protect.](https://tinagregoryagency.com/umbrella-insurance) [Condo Unit-owner coverage for the gaps between you and the association's master policy.](https://tinagregoryagency.com/condo-insurance) [Renters Your belongings, your liability and somewhere to stay if the apartment becomes unlivable.](https://tinagregoryagency.com/renters-insurance) [Landlord Coverage for the house or small rental property you rent out to others.](https://tinagregoryagency.com/landlord-insurance) [Flood A separate policy for rising water. NFIP policies generally have a 30-day waiting period.](https://tinagregoryagency.com/flood-insurance) [RV & Boat Motorhomes, travel trailers, boats and pontoons, including how they are covered in the off-season.](https://tinagregoryagency.com/rv-insurance) [Motorcycle Liability and physical damage coverage for Missouri's riding season.](https://tinagregoryagency.com/motorcycle-insurance) [Life Term and permanent coverage sized to the people who depend on you.](https://tinagregoryagency.com/life-insurance) [Business Coverage for local shops, contractors and offices. We'll talk through what your business actually needs.](https://tinagregoryagency.com/business-insurance) [Home & Auto Bundle Your home and all your cars in one place. Bundling may lower the price; eligibility varies.](https://tinagregoryagency.com/quote) ### Already insured? Let's look at what you have. Bring in your declarations pages or email them over. We'll walk through your limits, deductibles and the add-ons Sullivan-area homes tend to need, in plain English. No pressure either way. [Get My Free Quote](https://tinagregoryagency.com/quote) [Call (573) 358-4513](tel:+15733584513) Insuring a Sullivan-Area Home and Family ## What we look at first around Sullivan. Hail, high water and the road. Every policy is different, but the same few questions come up again and again with clients around Sullivan. Here's how we think about them. ### Hail, wind and spring storms Spring and summer storms bring hail, high winds and, some years, tornadoes. Wind and hail are typically covered on a [homeowners policy](https://tinagregoryagency.com/home-insurance), subject to your deductible. The Missouri Department of Commerce and Insurance notes that some insurers use a **percentage deductible for wind and hail**. At 2% of a $100,000 dwelling limit, that's $2,000 out of pocket. We'll show you your number before storm season. ### Flooding on the Meramec and Bourbeuse Both rivers flooded to record levels in December 2015 and again in May 2017, when record flooding was forecast on the Meramec near Sullivan. Standard home and renters policies **exclude flood**. A [flood policy](https://tinagregoryagency.com/flood-insurance) is a separate purchase, and NFIP policies generally have a **30-day waiting period**. Sullivan participates in the NFIP, and private flood may also be available. Check your flood zone instead of assuming. ### Basements, water backup and sinkholes Water that backs up through a drain, or overflows when a sump pump fails, is usually excluded from a standard homeowners policy **unless you add a water backup endorsement**. The same goes for [condo](https://tinagregoryagency.com/condo-insurance) and [renters](https://tinagregoryagency.com/renters-insurance) policies. Missouri also has about 16,000 identified sinkholes, according to the Missouri Department of Natural Resources. Standard policies typically exclude earth movement, but sinkhole coverage may be available by endorsement or through the Missouri FAIR Plan. ### Driving I-44, MO-185 and the back roads Missouri's auto minimum is **25/50/25**: $25,000 of bodily injury coverage per person, $50,000 per accident and $25,000 of property damage. Missouri also requires **uninsured motorist coverage** at $25,000/$50,000. Underinsured motorist and medical payments coverage are optional, and Missouri is an at-fault state. Deer are a common sight on rural roads around here, especially around dawn and dusk. Hitting a deer is generally a comprehensive claim, not collision, so it's worth checking that your [auto policy](https://tinagregoryagency.com/auto-insurance) includes it. If you have a home and assets to protect, an [umbrella policy](https://tinagregoryagency.com/umbrella-insurance) adds another layer on top. ### Sullivan businesses and rental owners From main-street shops to contractors to the rental house down the road, we write [business insurance](https://tinagregoryagency.com/business-insurance) and [landlord coverage](https://tinagregoryagency.com/landlord-insurance) too. In Missouri, workers' comp is generally required for most employers with five or more employees, and for construction businesses with one or more. We can help you figure out where you stand. ## Also serving. Sullivan and the I-44 corridor. From our Sullivan office, we work with families and businesses across Franklin and Crawford counties and nearby towns along I-44. We're licensed in Missouri, so we can help wherever you live in the state. [Get Quote](https://tinagregoryagency.com/quote) [Meet Tina and her team](https://tinagregoryagency.com/team/) [Sullivan](https://tinagregoryagency.com/quote) [Stanton](https://tinagregoryagency.com/quote) [Bourbon](https://tinagregoryagency.com/quote) [St. Clair](https://tinagregoryagency.com/quote) [Leslie](https://tinagregoryagency.com/quote) [Gerald](https://tinagregoryagency.com/quote) [Cuba](https://tinagregoryagency.com/quote) [Union](https://tinagregoryagency.com/quote) [Steelville](https://tinagregoryagency.com/quote) [Owensville](https://tinagregoryagency.com/quote) [Washington](https://tinagregoryagency.com/quote) [Franklin County](https://tinagregoryagency.com/quote) [Crawford County](https://tinagregoryagency.com/quote) [All of Missouri](https://tinagregoryagency.com/quote) ## Why clients stick with us. 52 reviews across Google and Farmers. Client reviews 52 ### Across Google and our Farmers page Read what clients say after working with Tina and her team, in their own words, on Google and on our Farmers agent page. How we work ### We explain, you pick We actually explain the coverages to you and let you pick what works for you. Plain English, no pressure. Local team ### Four people, one office Tina, Matthew, Kathleen and Maggie, all working out of our Sullivan office on Dunsford Drive. ## Sullivan insurance questions. Straight answers. Where is your Sullivan office, and when are you open? Our office is at **878 Dunsford Dr, Sullivan, MO 63080**. We're open Monday through Friday, 9:00 AM to 5:00 PM Central. You can call [(573) 358-4513](tel:+15733584513) or email tgregory1@farmersagent.com. Most quotes can be handled by phone or email, and we're happy to meet in person when you'd rather sit down. Can you quote companies other than Farmers? Yes. We're a **Farmers Insurance agency**, so Farmers is our main company. When Farmers isn't the right fit, we can also quote Farmers family companies like Foremost and Bristol West, or outside companies like Progressive and Liberty Mutual through Kraft Lake Insurance Agency. Either way, we actually explain the coverages to you and let you pick what works for you. Not every product is available from every company, and we'll tell you what fits. What are the minimum auto insurance requirements in Missouri? Missouri requires liability limits of at least **25/50/25**: $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage. Missouri also requires uninsured motorist coverage at $25,000/$50,000. Underinsured motorist and medical payments coverage are optional, and there's no PIP requirement. Missouri is an at-fault state. The minimum can run out quickly after a serious crash, so we'll show you what higher limits may cost. If your car is financed or leased, your lender will usually require collision and comprehensive too. Does homeowners insurance cover flooding from the Meramec or Bourbeuse? No. Water that rises from outside, like a river or creek over its banks, is flood, and standard home and renters policies **exclude it**. Both rivers flooded to record levels in December 2015 and May 2017. Flood coverage is a separate policy, often through the National Flood Insurance Program (NFIP), and Sullivan participates in the NFIP. NFIP policies generally have a **30-day waiting period**, so buy before the forecast turns. If you have a mortgage on a home in a high-risk flood zone, your lender will require it. Private flood may also be available. How do wind and hail deductibles work in Missouri? Many policies use a flat dollar deductible, but the Missouri Department of Commerce and Insurance notes that some insurers use a **percentage deductible for wind and hail**. A 2% deductible on a $100,000 dwelling limit means you'd pay the first $2,000 of a covered wind or hail claim. We'll show you which kind your policy has and what it would mean in dollars before storm season, not after. Is hitting a deer covered by car insurance? Generally, yes, if you carry comprehensive coverage. A collision with a deer is usually handled under comprehensive, not collision, subject to your deductible. Liability-only policies won't pay for damage to your own car. Deer are common on rural roads around Sullivan, so it's worth checking your policy. Call us and we'll walk through what you have. I rent or own a condo in Sullivan. What coverage do I need? Renters insurance covers your belongings, your personal liability and extra living costs if the place becomes unlivable. Missouri law doesn't require it, but a landlord can require it in your lease. Your landlord's policy covers the building, not your things. Condo owners need a unit-owner (HO-6) policy that fills the gaps between you and the association's master policy, usually including interior finishes and loss assessment. On both, ask about a water backup endorsement. Do you insure Sullivan businesses and rental properties? Yes. We write business insurance for local shops, contractors and offices, plus landlord coverage for homes and small rental properties you rent to others. In Missouri, workers' comp is generally required for most employers with five or more employees, and for construction businesses with one or more. We can help you figure out where you stand and coordinate it with the rest of your coverage. Still have questions? [Call (573) 358-4513](tel:+15733584513) . We'll give you a straight answer. ## Start with a quote. Or meet the team. [Get a free quote](https://tinagregoryagency.com/quote) [Home insurance](https://tinagregoryagency.com/home-insurance) [Meet Tina and her team](https://tinagregoryagency.com/team/) [Call (573) 358-4513](tel:+15733584513) ## Your Sullivan agency, right on Dunsford Drive. Free, local and in plain English. Call, stop by the office or start a quote online. We'll explain the coverages and let you pick what works for you. [Get My Free Quote](https://tinagregoryagency.com/quote) [or call **(573) 358-4513**](tel:+15733584513) --- **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).