Insurance Products - Auto, Home, Business & SR-22 Coverage

Liability, collision, comprehensive, uninsured/underinsured motorist and medical payments coverage. We sell policies from 15+ carriers in both the standard and non-standard markets. Illinois minimum is 25/50/20, Texas requires 30/60/25. We've got policies for standard drivers, non-standard drivers, and high-risk drivers. Multi-car and bundling discounts get applied automatically for the lowest rates.

We’re experts with SR22 certificates. We file them electronically and most carriers get them filed with the state within 24 hours. SR22s get mandated after violations like DUIs, driving without insurance and getting too many tickets. Illinois and Texas need you to file SR22 for 3 years, while Indiana’s BMV will keep at it till your record is cleared. SR22 non-owner policies are available in Illinois from $30-$75 a month. We work with multiple carriers who specialize in SR-22 filings.

Liability, collision, comprehensive and accessory coverage for bikes, trikes and scooters. We've got it all covered for you. Theft, vandalism, custom parts and riding gear are all part of the package. Plus we've got seasonal storage discounts for riders who stick their bikes in the garage during the winter.

If you've got a 25 year old car or one that's a collector's item, we've got agreed value policies for those vehicles. Unlike the standard auto insurance that pays out the actual cash value of your car, an agreed value policy will give you a set payout. Plus we've got coverage for spare parts, restoration costs and show and exhibition transport. There may be mileage restrictions and storage requirements depending on the carrier.

Boats, jet skis, pontoon boats and personal watercraft, we've got policies for those too. Hull damage, liability, towing and the rest are part of the package. You've got choices on your coverage. Agreed value or actual cash value, depending on how you want to insure your watercraft. Trailer coverage is something you can bundle in also with your watercraft policy.

We're on call 24/7 with our roadside assistance service. Flat tires, jump starts, lock out service and emergency fuel delivery are all covered. This is a nationwide service and can be added to any auto or motorcycle policy. The typical cost breaks down to less than $10 a month.

Renter's Insurance, (HO-4 policies) cover your personal stuff, liability (usually $100,000 to $300,000) and additional living expenses if your rented space becomes uninhabitable and you need a new place to stay. They also cover against theft, fires, smoke damage from a fire, water damage from a burst pipe, and vandalism. Most Renters policies will start at around $15 to $30 a month. In Illinois and Texas, most landlords require this as part of the lease. If you bundle your auto with renters you can save on your premiums.

Homeowners Insurance (HO-3) policies cover replacement cost for your home, all your belongings, liability if someone is injured, medical costs to others, and additional living expenses if you can't live in your home because of damage. Standard policies will cover things like fire, wind, hail, lightning, theft and vandalism. For Flood and Earthquake coverage you'll need to get a completely separate policy for. Deductible choices usually range from $500 to $2,500. If you choose a higher deductible your monthly premium will be lower. We compare rates from multiple insurance carriers to find the best coverage for your homes replacement value and risk profile.

We've got the insurance plans that small business owners need such as general liability, commercial property, BOPs and workers comp. Our general liability policies start at $500k per occurrence and cover any third party injuries or property damage that might happen. We also insure buildings, equipment, inventory and signs with our commercial property policies. We also offer workers comp, which is required in several states. We insure all sorts of businesses including restaurants, retail shops, contractors, salons and more.

We write lessors risk only (LRO) and dwelling fire (DP-3) policies for landlords, whether you're renting out apartments, houses or a mix of commercial and residential space. Our policies protect the building, cover liability if a tenant gets hurt on the property, and even cover loss of rental income if the property becomes uninhabitable due to some kind of disaster. Policies don't cover your tenants belongings. Your tenants need their own renters insurance for that protection.

We do liability, collision, comprehensive and hired/non-owned auto coverage for business vehicles. Whether it's a delivery van, a work truck or a company car, we can insure it. We even cover fleets of all sizes. There are minimum requirements for commercial vehicles in Illinois (25/50/20) and Texas (30/60/25) but we can get you higher limits like 100k/300k or even 1 million in coverage if you need it. If you're a contractor or delivery driver then you'll also want to think about cargo and equipment coverage.

Standard personal auto policies just won't provide any coverage for Uber and Lyft drivers. They don't cover you when the app is active. Uber and Lyft do carry 1 million liability while you're driving, but that drops to state minimum coverage when you're just waiting for a ride. To fill that gap we can write a rideshare endorsement for $20-$50 a month or a full commercial rideshare policy for drivers who need higher coverage limits across all three rideshare periods.