Business Details
Your Trusted Insurance Partner in Missouri
Bent Oak Mutual has been a trusted provider of property and casualty insurance since 1875, serving Missouri residents with personalized coverage solutions. Originally established as The Private Benevolent Association #2 of Warren County, we evolved through mergers and name changes while maintaining our core mission of community-focused protection. As a policyholder-owned company regulated by the Missouri Department of Insurance, we prioritize member interests through locally-based agents who deliver tailored home, farm, and rental property coverage.Our commitment to proper insurance practices ensures clients receive comprehensive protection for structures, contents, and specialized equipment across the state. With a heritage spanning over 145 years, we combine deep industry expertise with modern risk management strategies to safeguard Missouri families and agricultural operations.
Services
Homeowners Coverage
Farm Owner Coverage
Rental Property Coverage
Equipment Breakdown Coverage
Highlights and features
- We offer locally-based agents statewide for personalized service
- Our policyholder-owned structure prioritizes member interests
- We've specialized in Missouri property insurance since 1875
- Our agents provide tailored coverage for unique property needs
- We maintain strict regulatory compliance with Missouri Department of Insurance
Services
Homeowners Coverage
Protects primary residences with comprehensive coverage for structures, personal belongings, and liability. Includes optional protections for living expenses and specialized risks. Available through local agents across Missouri.
Farm Owner Coverage
Specialized protection for agricultural properties including barns, equipment, and grain storage. Offers scheduled and blanket coverage options for tractors, combines, and other essential farm machinery through local agents.
Rental Property Coverage
Covers seasonal and investment properties against common risks including vandalism and weather damage. Designed for property owners seeking protection for non-primary residences across Missouri.
Equipment Breakdown Coverage
Fills gaps in standard policies by covering mechanical and electrical failures. Protects essential systems like HVAC units, refrigeration systems, and water heaters against unexpected breakdowns.
People
Norbert Struckhoff
President
Leading Bent Oak Mutual with decades of insurance experience, Norbert Struckhoff oversees strategic operations while maintaining our community-focused insurance principles established since 1875.
Glenn Ridder
Vice President
Glenn Ridder brings extensive risk management expertise to his role, ensuring proper insurance practices align with modern agricultural and residential needs across Missouri.
Ashley Krueger
Underwriting
Ashley Krueger specializes in policy development, helping Missouri residents secure appropriate coverage through our network of local agents while maintaining underwriting standards.
Sara Miller
Billing / Accounts Receivable
Sara Miller manages financial operations with a focus on transparent billing practices and customer service excellence, ensuring smooth policy management experiences for all policyholders.
Questions
Do you offer insurance coverage outside Missouri?
We specialize in Missouri properties only, with local agents available statewide to serve your insurance needs.
What makes you different from other insurers?
As a policyholder-owned mutual company since 1875, we prioritize Missouri community needs through locally-based agents rather than corporate interests.
What farm equipment is covered?
Our farm policies cover essential machinery including tractors, combines, balers, grain bins, and irrigation systems through customized coverage options.
How do I file a claim?
Contact your local agent directly or call our Warrenton office at (636) 456-3629 during business hours for immediate claims assistance.
Can I get coverage for vacation homes?
Yes, our rental and seasonal property policies provide comprehensive protection for Missouri vacation properties against common risks like vandalism.
