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Personal Lines


Auto Insurance

HM Risk: Auto. Child in cardboard car photo.

There are many options for insuring your family’s vehicles. HM works with numerous carriers to identify the best options for you based on your needs. Contact one of our insurance specialists to discover the benefits of working with a broker who works for you.​

Coverage Highlights:

  • Multi-Car Discount – is available when two or more cars are insured

  • Defensive Driver Discount – Drivers may qualify for a discount if they have completed a defensive driving course recognized by the Department of Motor Vehicles

  • Agreed value – if a covered total loss occurs, you’ll receive that agreed-upon amount, regardless of if the value of your car has depreciated

  • High liability limits – liability limits of up to $1 million in coverage for bodily injury and $1 million for property damage are available. Higher liability limits are available for uninsured/underinsured motorist coverage as well

  • New car replacement – if a new vehicle is totaled within three years of its purchase, you can opt to receive the agreed value; replace it with a vehicle of the same year, make, and model

  • Rental car reimbursement – choose per day limits or no per day limit up to $12,500 maximum if you want to rent a comparable vehicle to the one you currently own

  • Towing and labor offer – enhanced limits available

  • World Wide liability – available

Each insurance carrier we represent offers a variance of coverage and eligibility requirements may apply to these coverages.

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Personal Lines Menu

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HM Risk & Benefits

  • St. Louis Headquarters
  • 8235 Forsyth Boulevard, Suite 1200, St. Louis, Missouri 63105-1643
  • Toll Free: 800-489-6626 | 314-746-4700
  • 314-889-3700
  • https://hmrisk.com/
  • Springfield, MO Office
  • 2925 E. Battlefield, Suite 120, Springfield, Missouri 65804-4020
  • Toll Free: 844-432-1010 | 417-895-4600
  • 417-895-4602

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