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Our Products

Auto Insurance

When you buy auto insurance, you’re buying a bundle of individual coverage policies. Each type protects against different losses. Understanding what the different types of coverage can help you make a more informed decision. It will also help you decide what limits of coverage you’ll need.

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Bodily Injury Liability Coverage

This type of coverage pays up to the coverage limits for damages due to death or injury during an auto accident in a vehicle that you’re legally responsible for. It will also pays any legal defense fees and costs. Most states legally require you to carry this type of coverage.

Property Damage Liability Coverage

This type pays up to the specified coverage limits for another party’s automobile or property that was damaged in a collision in a vehicle that you are legally responsible for. This coverage is mandatory in most states.

Medical Payments Coverage

This coverage pays up to the coverage limit for any medically required treatment from a doctor, hospital bills, or funeral expenses that stem from an auto accident in a vehicle that you’re legally responsible for, no matter who was at fault. Payments are typically limited 1-3 years after the accident. This is an optional most states.

Uninsured/Underinsured Motorists

With this coverage, you’ll be paid to the limits for pain and suffering that isn’t covered by medical, PIP, and/or disability. This coverage also pays for bodily injury to your or your passengers when the other driver doesn’t have sufficient coverage. This coverage varies from state to state.

Collision Coverage

Collision coverage will pay up to the specified limit for damages to your vehicle or a vehicle you were driving that’s been in a collision or rollover accident. If you have a vehicle loan, you’ll be required to carry this type of coverage.

Comprehensive Physical Damage Coverage

This coverage pays up to the limits for any damage to your vehicle or another vehicle you were driving that has been stolen, vandalized, flooded, or suffered from hail damage. This does not include collision or overturning damages. This coverage is required if you have a vehicle loan.

Towing and Labor

If you’re ever broken down on the side of the road, run out gas, need an oil change, or a batter replaced, this coverage is great to have. It covers the cost incurred when you render services during an emergency, but not the cost of the items. In some cases, it covers locksmith services and emergency tire changes.


Condominiums and townhouses do not need as much insurance as your average house. When you live in a condominium, you need coverage that is tailored to protecting your personal property while still providing you with liability coverage. 

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There are special policies for condominium owners, like form HO-6. This coverage provides condominium owners with liability and personal property protection, ensure that they will be safe in the event that a disaster strikes.

Make Sure Your Condo Is Protected All Year Round with the Proper Insurance Policy

When you own a condominium, you need to insure your personal possessions along with your cabinets, appliances, shelves, and fixtures. You will also need liability coverage that covers injuries or damage to people or property that you own or are liable for.

Top Four Questions to Consider When Choosing a Condominium Insurance Policy

What is expected of you, as an owner, in regards to your insurance responsibilities that are outlined in the condo association’s Master Deed?

Most associations put together a master insurance policy that covers you if there’s any structural damage to the condominiums or common areas like swimming pools and tennis courts. These common areas are owned by all condo unit owners. Depending on what your master insurance policy says, depends on where your unit starts. In some cases, the unit may start in the wallboard. In other cases, the wallboard could be considered a part of your unit.

Is Broad Water damage included in your insurance policy for issues like sewer and drain backups?

Does your condo association offer condo owners who do not have adequate coverage blanket coverage or comprehensive coverage?

Do you need additional personal property coverage for expensive items like jewelry or furs?

Dental Insurance

Dental disease is prevalent in adults and children from all walks of life. For this reason, dental insurance is just as important as your health insurance.

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When you’re protected by a dental plan, you can easily safeguard your entire family if you utilize it correctly. Most dental issues are preventable. With regular checkups and cleanings, you can keep your oral health in top-notch shape. When you’re receiving regular preventive dental care, oral health issues can be caught and diagnosed quickly to ensure you get the treatment you need in a timely manner. This can help keep dental costs low for the insurer and the insured.

Discover What’s Right for You

In most cases, you’ll only need to see a local dentist for dental care, but there are cases where you’ll need to see a specialist. Dental benefit plans are often categorized by the options you’re offered for selecting a particular dentist. There are plans that allow you to choose your own dentist, and there are plans that pick a dentist for you while providing you with lower rates. Most dental plans are designed to help you get the dental care you need while remaining affordable for your family.

Know What You’re Paying for

Everyone is different. Due to the differences in people, costs for dental coverage vary greatly. To keep dental treatment costs down, most plans limit the amount of dental care you can get in a year. This is accomplished by placing a limit or a cap on the amount of benefits your family receives. Give us a call now, and let us evaluate your dental insurance needs. We’ll work diligently to help you find the plan that fits your needs and budget perfectly.

Disability Insurance

Disability insurance is just as important as life insurance. In some cases, it’s more important.

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12% of the adult population in the United States suffer from a disability. Out of that 12%, one of seven people will suffer from a disability for five-years or longer before turning 65-years old. At just 35-years old, you’re looking at a 50% chance of experiencing a physical injury that results in a three-month or longer span of disability before you reach the age of 65-years old. Obviously, if you had a large chunk of change saved up in the bank, this wouldn’t be an issue. Unfortunately, most people do not have adequate savings. That’s where disability insurance saves the day.

Understanding the Basics of Disability Insurance Isn’t Very Complex

When you have disability insurance, you’ll have a fixed monthly benefit that will not increase with time. You’ll still have the option to purchase extra coverage. You’ll also need to determine which category of the disability definition you fall under. “Own OCC” is the inability to complete the duties of your occupation due to your disability. “Any OCC” is the inability to carry out the duties and tasks of your job in which your previous training and education has made you qualified for. There’s also a waiting period. This can range from one week to two years. The longer you wait, the less money you’ll have to spend on your policy. It’s also important to note that the benefit period, which is the amount of time you’ll receive money monthly once your policy has begun to pay. Benefit periods can range from six months to a lifetime. This depends on what you choose, along with what your insurance company is willing to offer you.

Learn What You Need to Know About Coverage Options

A Social Security offset rider promises that people who qualify for disability payments via their insurance policy, but do not qualify for Social Security that your disability policy will pay out to you what Social Security should have been paying. You can also find an additional purchase option. This option guarantees you the right to purchase additional disability insurance any time in the future, no matter what state your health is in at that tie. Call us now to learn more about disability insurance or if you need an assessment.

Flood Insurance

Flood Insurance will help you get back to normal when water damages your home. Floods are the leading cause of natural property damage in the United States. 

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 Floods destroy homes more than fire by four times the rate, causing upwards of $2 billion in property damage annually. You don’t have to live by water to be at risk. As a matter of face, 30% of all flood claims take place in areas that are considered low to moderate risk zones.

Don’t Let A Disaster Ruin Your Life

Unfortunately, many people don’t discover that homeowners insurance doesn’t cover flood damage until it’s too late. Federal flood insurance does, however. This flood insurance covers flooding, mudflow, and dirt and debris that resulted from moving water. If you’re a homeowner with a mortgaged property in a SFHA, Special Flood Hazard Area, you’re required under federal law to obtain flood insurance. Lenders have to comply with this federal law by providing flood insurance on your outstanding mortgage balance for the rest of the loan.

Get the Flood Insurance Coverage You Need At a Rate You Can Afford

On a positive note, flood insurance is affordable while flood damage is not. In the 1993 Midwest flood, the average property ad content loss was over $25,000. When you compare this to paying out $300 a year for flood insurance, it’s easy to see which side of the spectrum you need to be on. Your flood insurance policy will be based on the value of your home, excluding your land value. Residential buildings can have flood insurance up to $250,000 with an additional $100,000 for its contents.

Get In Touch With Us Now to Learn More

Flood policies are backed by the United States government, and this means all valid claims come with a 100% GUARANTEE. Flood insurance has a 30-day waiting period. If you want to protect your home, you need to act now. Don’t risk financial ruin by thinking you’ll never experience a flood disaster. Floods can happen in any region, whether a large body of water is near or not. If you want to learn more about the insurance options available to you, call us now for a quote.

Health Insurance

Family health insurance or individual plans cover one family or person on one plan. While these policies may cost more than group policies, it’s still better than not having any health insurance coverage at all.

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When you or a loved one falls sick unexpectedly, you need to know that the medical bills are covered. Unfortunately, without health insurance, an unexpected illness can catapult you into financial ruin.

Most Common Types of Managed Healthcare Plans Offered to Groups and Individuals Include:

HMO’s (Healthcare Maintenance Organizations)
PPRO’s (Preferred Provider Organizations)
POS’s (Point of Service Plan)

Find the Perfect Fit for Your Health Insurance Needs

All of these plans tend to come with different levels of deductibles and premiums within your allotted budget. It’s important for your or your family to determine what coverage, deductible, premium, and out of pocket expense will suit your needs and budget the best. Where group insurance covers an array of people, no matter what condition their health is in, individual insurance requires extensive questioning about medical history. In some cases, they even require physical exam for you to qualify for coverage.

Call Us Now to Get the Help You Need

If you have any questions about what options are available to you, or what’s the best plan out there, give us a call now. We’re eagerly waiting to assist you with your insurance needs. One of our friendly representatives will walk you through the process, from start to finish to ensure you’re getting the best fit for you and/or your family. Call us now to get the ball rolling.

Home Insurance

No matter how much you don’t want to think about the unthinkable happening, it can still happen. If your home is destroyed or damaged, homeowners insurance can help you rebuild or repair your home as well as replace your damaged possessions. 

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Homeowner’s insurance is designed to protect you against losses you wouldn’t normally be able to afford. It also provides you with liability coverage to ensure you’re protected from financial ruin if someone has been injured on your property and wants to sue you for damages.

Know What’s Covered in Your Homeowner’s Insurance Policy.

Homeowner’s insurance policies provide you with coverage for your dwelling and personal property. It will also include liability insurance that covers a death or injury on your property caused by you, family, or pets in an accident. There are also several different types of additional insurance for your property that aren’t typically listed in your homeowner’s policy. This includes separate policies, like flood insurance. You can get this by purchasing a separate policy or by adding an endorsement to your policy

Tips for Reducing Your Homeowner’s Premiums and Keeping Your Home Safe:

Raise Your Deductible – This is how much money you pay out before the insurance begins to pay for your loss. Insurance is supposed to pay for any losses you cannot afford. Raising your deductible to a price point that’s within your budget can help lower your premium.

New Home – Homes that are 10 years or older may be eligible for new home discounts.

Make Your Home a Safer Place – If you have a burglar or fire alarm system, your home may be eligible for a discount.

Construction Material – You’ll pay lower premiums for having fire-resistant construction materials like brick or rock. Hail-resistant roofs may also lower your premium. Concrete tile

Construction Material – When you buy a home, look for fire-resistant construction, such as brick, masonry or rock. You may pay a lower premium for hail-resistant roofs.

Non-Smoker Discounts – If you do not smoke, you may also be eligible for a discount.

Life Insurance

Life insurance policies are designed to fit a variety of individual needs and circumstances.

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Below, you’ll find a few of the basic types of life insurance available.

Term Insurance

This is the simplest type of life insurance available. All you have to do is purchase coverage for a specific price over a specified period. If you are to die during that time, the person listed as your beneficiary will receive the value of your term insurance policy.

Whole Life Insurance

Whole life insurance is like term insurance, but you purchase a policy that covers your whole life, not just a specified amount of time. Premiums never spike or drop throughout the life of your policy, and the insurance company will invest a portion of your premiums back into your policy. Some insurance firms share investment proceeds with their policy holders by giving them a dividend. A lot of companies offer policyholders a relatively low guaranteed rate of return, but still pay at a rate that’s in excess of the guarantee.

Universal Life Insurance

With universal life insurance, you’re able to decide how much you want to put in that’s over and above your minimum premium. The company will then choose an investment vehicle, which is typically restricted to mortgages and bonds. Over time, the investment and the returns go into a cash-value account. This account can be used against premiums or allowed to build. Some policies, called Type 1 or Type A, the cash account will go toward the value of the policy if the policyholder dies. Another policy, called Type II or Type B, will have the beneficiary receive the value of the policy plus most or all of the policyholder’s cash account. Type II has higher premiums, even though it’s meant to act as a partial hedge against inflation.

Call us now if you have any questions. We’re happy to help you find the policy that fits your needs the best. 

Long-Term Care Insurance

If you’re ever unable to perform everyday tasks for yourself, you may need LTC (long-term care). 

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People who are unable to get dressed, eat, or bathe alone often need this type of coverage. LTC also covers people who suffer from cognitive impairments like Alzheimer’s disease. This care can be received in your home, a nursing home, or an assisted living facility.

I’m Young and Health – Why Would I Ever Need LTC?

LTC is needed in cases where chronic illness, injury, disability, or age keeps you from being able to take care of yourself. 60% of people who reach the age of 65 will need long-term care at some point in their lives. Unfortunately, this isn’t just limited to retirees. 40% of the people who receive long-term care services in the United States are working individuals, between the ages of 18 and 64. Long-term care coverage ensures that you’re prepared if something was to happen to you.

Understand What Long-Term Care Coverage Is and Isn’t

Long-term care coverage policies can cover you completely or in part if you’re ever in need of LTC. Most long-term insurance plans will allow you to choose the type of coverage you want, along with how and where you want to use your LTC benefits. From custodial to skilled, comprehensive plans include benefits for all level of LTC. It’s important to note that LTC isn’t the same medical care you receive at a hospital or doctor’s office when you’re sick or injured. It’s not for short-term rehabilitation after an accident or surgery. It’s also not always administered in nursing homes. More than 80% of people receiving LTC aren’t even in nursing homes. Give us a call now. We’ll help you determine which long-term insurance coverage plan is best for you.

Mobile Home Insurance

Mobile home insurance protects your mobile home, personal belongings, and garage or shed. It may also provide you with financial protection in the event that you unintentionally injure another person on your property, of if you cause damage to their property.

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Having the right insurance can protect your home from theft, windstorms, and fires. As a mobile home owner, that’s a risk you face every day. When you have mobile home insurance, you can rest easy knowing that you won’t suffer from financial ruin if the unthinkable happens. Some mortgage companies require you to have mobile home insurance.

Discover the Four Ways Mobile Home Insurance Protects You

  1. Allows you to replace personal belongings in the event that they are destroyed, damaged, or stolen
  2. Allows you to repair, replace, or get a cash value for your mobile home – depending on its age
  3. Covers injuries on your property that happen to other people
  4. Covers living expenses in the event that you’re forced to leave your home due to a claim

Ask Yourself These Questions Before Purchasing Mobile Home Insurance:

  • How much money will it cost to replace your mobile home?
  • How much money will it cost to replace the contents of your mobile home?
  • Do you have any photographs or documented inventory of your personal possessions?
  • What level of protection do you have against liability claims?
  • Do you have any items like jewelry, cameras, or collectible that need to be insured with special coverage?
  • Is there a fire extinguisher, deadbolt locks, or any other safety feature in your mobile home that can save you money?

Give Us a Call Today

If you’d like to learn more about mobile home insurance, or find a policy that fits your needs, give us a call now. We’ll get you started with an assessment to help you find the best fit for you.

Motor Home / RV Insurance

It’s common for RV owners to insure their RV under whatever current auto policy they have. Unfortunately, if you take the time to read your auto policy, you’ll see how little is actually covered. 

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RV’s covered under auto policies almost never receive the adequate coverage that’s needed. RV owners also frequently misunderstand that their personal belongings in their RV will be covered under their homeowner’s policy. This is partially true, but still limited. When the property is kept somewhere other than the residence premises, personal belongings are not covered.

If you want adequate coverage for your RV, you need to invest in a separate RV insurance policy that is specifically for RV’s. In most cases, RV insurance costs are minimal, especially when you add up how much money you’d spend if your RV was damaged or stolen without any insurance in place. Our team of professionals can help you find the right policy for you at a rate you can afford quickly.

Quick Tips before You Travel

  • Get a complete travel checkup before you leave – check belts, hoses, headlights, turn signals, and tires
  • Make sure the towing hitch, smoke alarms, and fire extinguisher are in working in
  • Inspect cooking vent for cleanliness to avoid any unexpected fires
  • Leave your trip plans/route with a trusted relative or friend
  • Go over emergency procedures with all your passengers
  • Remind passengers it’s safer inside the RV when there is lighting
  • Tell passengers it’s safer to find a tornado shelter or something similar if there’s a tornado
  • Never drive through deep water

Motorcycle Insurance

Most policies include a combination of liability, theft, and related coverage. Even if you seldom ride your motorcycle, you need coverage.

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Motorcycle insurance coverage will protect you from collisions, theft, and other common exposures.

What Can Affect Your Premiums:

  • Driving record
  • Credit record
  • Where you park your motorcycle
  • How many years of riding experience you have
  • Your age
  • Anti-theft devise
  • Previous cycle coverage

ATV Insurance

Most states do not require that you carry ATV insurance. In some cases, you may have limited coverage included in your homeowner’s policy. If you have an ATV, it’s imperative that you contact us today. We’ll review your policy and determine whether or not you’re in need of a separate ATV policy. Most insurance providers offer discounts to help you lower your premium. These discounts include discounts for completing any approved ATV safety course. Owning and insuring multiple ATV’s, being a member of associations. Associations include the American Motorcycle Association, Harley-Davidson Owners Group, or the Honda Rider’s Club of America.

We Want to Hear From You

If you drive a motorcycle or ATV, you deserve coverage that will keep you safe when disaster strikes. Whether its theft or a collision, you need to know that your medical expenses and replacement expense are covered. Our team will help you find the policy that suits your needs the best in a timely manner. All you have to do is pick up the phone now to give us a call.

Renters Insurance

It doesn’t matter if you don’t own your home, your personal belongings can still be lost to fires, theft, and even lawsuits. 

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Renters are not insured like homeowners are when it comes to things like theft and flooding. Unfortunately, most people do not require renters to purchase insurance, so many people go without it. However, renters insurance is imperative. If your rental home burns to the ground or valuable items are stolen, you’ll have to replace your items with your own hard-earned money. Renters insurance, though not required, is an absolute necessity for any renter.

Renters Insurance Will Handle Those Unexpected Expenses

Renters insurance doesn’t just protect your personal items; it also provides you with temporary housing and liability protection. This includes medical expenses for anyone on your property, or to pay for a lawyer if you’re ever sued by someone that was unintentionally injured by you. If the apartment ceiling is damaged by a storm, your landlord has to fix it. But what happens to your new TVs and stereo that now has water damage? Where will you live while the ceiling is being repaired? If you’re like the majority of citizens in the United States, you don’t have unlimited funds to handle unexpected issues. Renters insurance will cover it for you.

Find the Best Fit for You

Renters insurance is designed to help you pay for repairs and replacements of your personal property when it’s been damaged, stolen, or destroyed. It also covers most claims or lawsuits against you in the event that you’re responsible for injuring someone or damaging their property. Give us a call now to find out how affordable renters will be for you.

Umbrella Insurance

If an accident happens that is no fault of your own, do you have the proper liability insurance in your current policy to cover the costs associated with the act of negligence? No one can predict how much money a judge will award to an injured person. This is where umbrella insurance comes in.

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Umbrella insurance is a must-have for every policyholder, not just the wealthy. It is designed to give one added liability protection above and beyond the limits of any homeowner’s, auto, or water craft insurance policies you already have.

Get the Financial Cushion You Know You Need

Depending on the insurance company, you can add a 1-5 million addition in liability protection. When liability has been exhausted on your other, existing policies, umbrella insurance will kick in. Liability insurance is a part of auto or homeowner’s insurance that pays for medical bills, rehabilitation therapy, and lost wages to a person who was injured due to your negligence. It also covers legal defense representation if the claim lands you in the courtroom.

Homeowner’s Insurance Just Isn’t Enough

When you add up medical expenses and legal fees, it’s easy to see that the standard liability in the negligent person’s homeowner’s or auto policy just isn’t enough to foot the bill. Nearly every state has financial responsibility laws that are designed to hold drivers accountable for property damage or bodily harm that was acquired during an auto accident. The at-fault driver can be sued for these damages. The lawsuit, without enough liability coverage, can even seize assets from the at-fault driver. There are similar laws set in place for home and water craft owners. Fortunately, personal liability umbrella insurance policies will give you the liability protection you need without costing you an arm and a leg. This type of coverage is typically inexpensive, but always pays off in the long run. Give us a call now to discover what policies are available to you.

Watercraft Insurance

Most states require that boats are insurced by the owners.

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The U.S. Coast Guard has reported an increase in property damage to boats. If you have use a marina or have a loan out on your boat, it’s likely that you’re required to have watercraft insurance. If you’re not required to insure it, you still need to consider it. Boat insurance is just like car insurance, but with different features. You need to make sure your boat insurance covers everything you need while keeping your premiums low.

Types of Insurance Coverage You Will Need for Your Boat Include:

  • Automatic fire extinguisher
  • Approved boating education course
  • Boat covers
  • Burglar alarm
  • Communication devices
  • Docking fenders
  • Liability
  • Medical payments
  • Motor coverage
  • Physical damage
  • Theft
  • Trailer coverage

Discounts You May Be Entitled to Receiving:

  • New boat
  • Ship-to-shore radio

Keep in mind that every boat is unique. Make sure you check with our team to see if you need any additional coverage or what discounts you’re available for. Call us now to get started.

Get an Estimate

Work with one of our talented agents to receive a custom quote.   

Combine & Save

Save money when you bundle insurance products like home and auto coverages. 

customer Service

Our team is  here for you to answer your questions or concerns.

Commercial Insurance Products

  • Property insurance
  • Liability
  • Commercial auto insurance
  • Workers’ compensation
  • Group health
  • Life insurance
  • Disability income
  • Key man insurance and much more

Understanding What You’re Paying For

Property Insurance

This covers the building or building and its contents. This includes crime coverage, outdoor signs, glass coverage, and property of others.

Liability Coverage

This coverage covers what you would normally be obligated to pay in the event of bodily injury or property damage to others. If you do not own the building you’re in, your landlord should cover this, however, you can still have this added to your insurance policy. Liability covers the premises and the areas in which the insured operates.

Commercial Auto Coverage

This type of coverage is similar to the coverage you have on your personal vehicle, but it’s intended for vehicles that are used during the course of business. If your employee makes a delivery and backs up into another vehicle, this type of insurance would cover the expenses.

Workers’ Compensation

Workers’ compensation coverage protects your employees when they’re hurt on the job. The insurance will pay a disability income to the worker if their injury renders them unable to work.

Key Man

This type of insurance coverage covers you if you’re operating with a business loan. Bankers typically require you to have key man insurance, also known as life insurance, so that the bank can acquire their money if you’re incapacitated in some way. Sole proprietors do not tend to carry key man insurance, however, it’s not uncommon for a partner to have key man insurance.

Get In Touch With Us Now

If you want to learn more about what commercial insurance policy is best for you, give us a call now. We’ll walk you through a quick assessment and provide you with a quote for the best possible fit. All you need to do is pick up that phone, dial our number, and answer a few questions.

Our Locations



401 E Poplar St.
Harrisburg, IL 62946
(618) 253-7165


2801 17th Street
Marion, IL 62959
(618) 993-0387


920 State St.
Eldorado, IL 62930
(618) 273-4611