— Independent. Local. On your side. —
Better Coverage. Built around you.
We represent dozens of top-rated carriers, which means we work for you — not for one insurance company. Home, Auto, and Life coverage, reviewed by a real person.
Why work with The Matzat Agency:
- We shop your policies across multiple carriers, not just one
- One point of contact for quotes, policy changes, and claims
- Home, Auto, and Life coverage — all under one roof
- Annual policy reviews so your coverage keeps up with your needs
A few of the carriers we represent
What we cover
Start anywhere below — every path ends with a conversation, not an AI-quote.
Personal Lines
Auto, home, renters, valuables, and umbrella coverage. We shop multiple carriers so you don't have to.
Get a no-obligation quoteCoverage for Landlords
General liability, property, and umbrella coverage for all of your rental property needs.
Shop for policiesLife Insurance
Term and whole life insurance coverage, matched to your stage of life.
Request a coverage reviewBecome an Agent
Contract under our agency with carrier access, lead support, and back-office help from day 1.
See the opportunity
Meet Your Agent
Todd Matzat has been helping individuals, families, and businesses protect what matters most since 2006. He combines extensive industry knowledge with clear, practical guidance to help clients make confident insurance decisions.
In 2020, Todd founded STL Risk Management LLC to serve the insurance needs of local business owners, and expanded into personal insurance in 2026 with the launch of The Matzat Agency. With 20 years of experience, he is licensed in property, commercial, health, and life insurance and is a Commercial Lines Certified Specialist (CLCS).
Already a client?
Jump straight to your carrier's sign-in page to pay a bill, print an ID card, or start a claim.
Go to Client CenterThinking about a career change?
We contract new and experienced agents. Carrier access, lead support, and mentorship from someone who still writes business every week.
Learn about joining