Home, auto & umbrella
Got a rate increase? You are not stuck.
When your renewal jumps, you do not have to sit and take it. As an independent agent, we shop several companies and can move you to a better fit, at no extra cost. One local person, real choice, since 1977.
Why the rate hike is not the end of it
A rate hike is your carrier’s problem, not your sentence.
A captive agent works for one company, so when that company raises your rate, all they can do is explain it. We are independent. We work for you, and we can shop several companies to find one that fits your home, your cars, and your budget better.
Here is the part people miss: you switch, but the shopping is not your job. You call us, tell us what changed, and we do the legwork, comparing coverage and price across companies and bringing you the honest picture. If a better home lands you a better rate, we move you. If staying put is the right call, we tell you that too.
It also pays to know the floor. According to the Illinois Department of Insurance, every driver in the state must carry at least $25,000 per person and $50,000 per accident in bodily-injury liability, plus $20,000 in property damage. That legal minimum is a starting point, not a plan for what your home and cars are actually worth, and setting the right limits is exactly the conversation we have with you.
We have done this for Jersey and Greene County households since 1977. Not a call center in another state, not a chatbot. Bob, Lisa, Bert, and the crew, the same folks you see around town, answering the phone with their own names.
The personal lines we write
Everything a household and a rural family need, under one local roof.
You do not have to juggle four companies and four websites. We handle the whole personal side and shop it across several carriers so the coverage fits and the price stays honest.
- Auto insurance. Cars, trucks, teen drivers, and multi-car households. We match liability, collision, and comprehensive to how your family actually drives, then compare it across companies.
- Home insurance. Your house, your belongings, and the liability that comes with owning a place. We check that your dwelling coverage keeps up with what it would really cost to rebuild.
- Umbrella insurance. An extra layer of liability that sits on top of your home and auto for the day a claim runs past your regular limits. It matters most on rural and farm property.
- Rural & farm-household coverage. Road-driven machinery, ATVs, and boats create exposure a city policy never planned for. A farm umbrella is built to reach the vehicles and equipment that leave the yard.
- Home & auto bundled. Put both under one roof and most companies apply a multi-policy discount. We compare the bundled price across carriers to find where the savings are real.
What using an agent costs you
Nothing extra. That is not a slogan, it is how it works.
Using an agent costs you nothing extra. The carrier pays our commission, not you, so the price on a policy through us is the same price you would get going direct, only now you have a local person who shops several companies for you and picks up the phone at claim time. You get the choice and the help for free.
People assume an agent is a middleman who marks things up. It is the opposite. Going direct means you get one company and do all the comparing yourself. Coming to an independent agent means you get many companies compared for you, at no added cost, by someone who will still be here when you need to file.
That is the whole reason to have a local, independent agent instead of a login and a phone tree. When the rate hits or the claim comes, you talk to a neighbor who knows your name.
Home & auto questions
Answers before you call.
Should I bundle my home and auto insurance, and how much can I save?
Do I need umbrella insurance if I own a farm or rural property?
My rate went up at renewal. Can you really move me to a different company?
Does it cost more to buy home and auto through an agent than direct online?
Let’s take a look at your home and auto renewal.
Call and talk it through with a real local agent, or send a note and we will call you back. We shop several companies, at no extra cost, and there is no pressure to switch if staying put is the right call.
Jerseyville & Carrollton, Illinois · Serving Jersey and Greene County since 1977