Personal Coverage
Home Insurance
Coverage built for how Central Illinois actually lives.
From in-town houses to acreage with outbuildings, we write home coverage for the kind of properties you actually find in Central Illinois, not just suburban subdivisions.
Local agents in Farmersville & Raymond, IL · Serving Montgomery, Macoupin, Christian, and Sangamon Counties in Central Illinois.
Why choose us for Home Insurance?
Independent agency comparing multiple trusted carriers
Local agents you can talk to
Claims support when you need it most
Proudly serving Central Illinois since 1978
Coverage Options
We'll help you build a policy that fits your needs and your budget.
Dwelling
Covers your home's structure, from the foundation to the roof.
Personal Property
Covers your belongings inside the home, up to your policy limits.
Liability
Protects you if someone is injured on your property.
Outbuildings
Covers detached structures like garages, barns, and sheds.
Plus options like scheduled coverage for jewelry and collectibles, mine subsidence, and more.
Save More by Bundling
Combine your home coverage with auto or farm insurance to simplify your policies and potentially lower your premiums.
Who it's for
Homeowners and renters across Montgomery, Macoupin, Christian, and Sangamon Counties, including rural properties with wells, septic systems, acreage, or outbuildings that many standard policies don't account for.
Two risks we see often here that standard policies leave out entirely: mine subsidence and flooding. Both are available as add-on coverage, worth asking about even if you're not sure your property is affected. Read more in our guide to mine subsidence and flooding coverage gaps.
Frequently Asked Questions
Does homeowners insurance cover wells and septic systems?
Many standard policies don't account for them by default, which is a problem for a lot of the rural properties we see. We can make sure your policy actually covers your well and septic system, not just the house itself.
What if I have a detached garage, barn, or shop?
Detached structures are usually covered under a separate part of your policy, with its own limit. If you've added a shop or outbuilding since you bought your policy, it's worth checking that the coverage amount still matches what it would cost to rebuild.
Does homeowners insurance cover flooding or mine subsidence?
No, standard homeowners policies exclude both. Illinois requires insurers to offer mine subsidence coverage as an optional add-on, and flood insurance is its own separate policy. Both are relevant across our service area, and neither gets added unless you ask for it.
How much dwelling coverage do I need?
Enough to rebuild your home at today's construction costs, not what you paid for it or what it would sell for. If you've renovated, finished a basement, or added a garage, that number is worth revisiting.
Can I get renters insurance too?
Yes, we write renters insurance as well. It covers your personal belongings and liability even though you don't own the structure, and it's typically inexpensive.
Related Guides
Coverage Basics
How to Review Your Insurance Every Year
A simple annual checklist to help you make sure your coverage still fits your life, home, and budget.
Read more →
Home Insurance
How to Do a Home Insurance Audit
A room-by-room way to make sure your coverage, and your inventory, actually match what you own.
Read more →
Ready to Protect Your Home in Central Illinois?
Get a quote today or speak with a local agent.
Marla Hitchings
Co-Owner, Agent