St. Charles’ Independent
Insurance Agency

At HSGW Insurance, we’re focused on you. As your local independent insurance agency, we’re here to help you through life’s moments, big and small. Since 1952, we have worked for area residents and businesses to achieve customized, affordable insurance plans.

We’ve Got you Covered!

Access Your Policy Info

Home Insurance

We offer comprehensive coverage to protect your most valuable asset.

Auto Insurance

Affordable insurance policies customized to fulfill your driving needs.

Business Insurance

We offer many coverage options to protect your business.

Life Insurance

Rest easy knowing you have security for those who matter most to you.

Get a Quote

We will learn your unique needs and then evaluate different insurance companies to find the right policy and price for your unique situation.

Testimonials

{I have been with HSGW for many years with Margie Ess as my agent. I have always been able to contact Margie with any questions or concerns regarding my insurance coverage. I have both my home and car insured through this agency and I can't conceive using anyone else. Their advice and concern is much appreciated. Highest recommendation. {

James J.
customer since 1997

{The most important thing to us is whenever we have a question or concern we are able to talk to you directly, and get the answers we need in a timely manner. Thank you for always taking care of our needs, we highly recommended you and your honesty is a big reason we are still clients. You guys are great and thank you again for the great service.{

Michael T.
customer since 2008

{Whenever I have a question and call, I either receive an answer or I get a call back in a reasonable amount of time. From the person who answers the phone to my agent, Doug White, I feel like I have been treated with respect and my concerns are answered.{

Nancy S.
customer since 2008

{You and the rest of your team help us keep our coverage at the right level and our insurance costs reasonable. We know that if we have any questions, we can get a real person on the phone who will be able to respond in a knowledgable fashion. Any time we've had concerns or been confused, you've taken the time to patiently explain things to us. There is no insurance headache thanks to your team -- we know we're in excellent hands. Thanks!{

Peter M.
customer since 2011

{You are always available to answer any questions or provide support when needed. The responses are always within a day if not the same day. And we can trust you to compare options for our insurance needs and recommend the best solution for our bundled (auto, home and umbrella) insurance coverage's.{

Leeland M.
customer since 2014

Accessibility by WAH