Welcome to IDR Insurance

Our mission at IDR Insurance is simple: to help you safeguard what matters most — You, Your Family and your Assets – with Clarity, Honesty, or confusing jargon.

You’ll never feel like you’re talking to a bot or bounced around between different companies. We’re real local people who genuinely care about your needs. You won’t be spammed with endless calls from outside agents or other firms.

Instead, you’ll have a dedicated local advisor who knows you by name and is here to help whenever you need us. We believe in honest, straightforward service with a personal touch — no bots, no endless transfers, just genuine human support.

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Who We Are

We’re your neighbors, your local advisors, and your advocates — proudly rooted in the Chesterfield and O’Fallon communities.At IDR Insurance, we’re committed to making insurance truly personal because this is where we live, work, and serve.

Transparency
You deserve to know what you’re buying, why it matters, and how it protects you. We keep it simple and clear — no jargon, just straight answers so you can make confident decisions.
Responsiveness
When life takes an unexpected turn — a claim, a question, or a policy change — you won’t get lost in a call center shuffle. You’ll always hear directly from your dedicated local advisor.
Forward-Thinking Protection
From essential auto and home coverage to modern needs like cyber liability, travel medical for visiting parents, and 401k rollovers — your protection evolves with life’s risks.

What We Do

At IDR Insurance, we cover the full spectrum — from everyday essentials to your most critical protection needs. As an independent agency, we partner with top-rated carriers to bring you choice, flexibility, and real value.

Auto, Home & Flood

From the car you drive to the place you call home
Protection from Missouri’s unpredictable floods
We safeguard what matters most with policies tailored to your lifestyle.

Renters & Condo

Affordable coverage for your belongings and peace of mind in any living situation.

Life & Health

Plans that safeguard your family’s future and provide support when you need it most.

Business & Professional

Protection built for entrepreneurs, investors, and professionals:

General Liability – safeguard against everyday business risks.
Commercial Property – protect your building, inventory, and equipment.
Workers’ Compensation – care for your employees if accidents happen.
Cyber Liability – coverage for data breaches, online fraud, and digital threats.

Pet & Travel

Because family includes four-legged companions — and visiting parents from overseas deserve peace of mind too.

401k Rollovers

Changed jobs? We can help you evaluate and protect your retirement savings with rollover guidance.

No matter your stage of life or the risks you face, we’re here to simplify insurance and stand by you with local, personal service.

Our Values

What Drives Us at IDR Insurance

Integrity

We do the right thing, every time. From clear explanations to honest recommendations, our advice is always rooted in what’s best for you — not a single carrier or commission.

Community

Chesterfield, O’Fallon, and the greater St. Louis area aren’t just where we work — they’re home. We’re invested in helping our neighbors, supporting local businesses, and keeping families protected.

Service

We stay on top of evolving risks, coverage options, and regulatory changes — so you don’t have to.

Innovation

Risks evolve — and so do we. From cyber threats to new healthcare needs, we stay ahead so your coverage is never left behind.

Trust

Our clients count on us to deliver peace of mind. We earn that trust through responsiveness, personal attention, and policies that truly fit.

Our Promise to you

What You Can Expect When You Work with IDR Insurance

Personalized Guidance

No two families or businesses are alike. We listen first, then design coverage that fits your unique needs — never a one-size-fits-all policy.

Clear Communication

You’ll always understand what you’re buying, why it matters, and how it protects you. We cut through the jargon with plain, straightforward answers.

Local & Responsive Service

We live and work in Chesterfield and O’Fallon — so when you need us, you won’t get a 1-800 number. You’ll get a local advisor who knows you by name and is ready to help.

Choice & Flexibility

As an independent agency, we compare top-rated carriers to bring you real options — so you get both quality protection and competitive rates.

Confidentiality & Trust

Your personal and financial information stays protected with us. We treat every detail you share with the utmost respect and discretion.

Support When It Matters Most

From your first quote to the day you need to file a claim, we stand by your side. Insurance is more than paperwork — it’s our promise to be there when life doesn’t go as planned.

Where We’re Based and Who We Serve

We are located in Chesterfield, Missouri, and proudly serve families and businesses across St. Louis and St. Charles County. Our services also extend into Illinois, and we’re actively expanding to serve more states soon. Don’t see your state listed? Reach out — we may be coming to your area next!

Trusted By Clients

We team up with startups, enterprises and corporations around the globe to build meaningful and effective technology solutions.

“IDR Insurance made everything simple. Signing up was quick, and when I filed a claim, the process was smooth and stress-free.”

Sarah Mitchell

“I’ve never felt more secure. IDR Insurance gave me peace of mind knowing my home and belongings are fully protected.”

James Carter

“The customer support is outstanding. They answered all my questions and guided me through choosing the right coverage for my needs.”

Emily Johnson

“Affordable rates, excellent coverage, and a team that genuinely cares. IDR Insurance has been a game-changer for my family.”