complete Insurance services for Decatur IL:

For the past four decades, the team at Loman Ray Insurance has worked to go above and beyond to offer full-service insurance coverage for Decatur IL, and nearby cities. From personal lines like home and auto insurance to business insurance and coverage for your farm, your policy will be handled actively, efficiently, and professionally. Each member of our Decatur-Urbana team specializes in a certain area, so you meet with a true expert who speaks your language.

Proudly Serving Decatur & Nearby Areas:

With locations across Central Illinois, Loman Ray is uniquely equipped to offer comprehensive insurance packages to Decatur IL, nearby cities, and all of Central Illinois. Visit us at the office closest to you!

• Rantoul

• Savoy

• Broadlands

• Monticello

• Sidell

• Tolono

• Villa Grove

Comprehensive Insurance For All of Decatur:

Our holistic approach to insurance provides coverage for every area of life, including home, auto, health, commercial, life, and farm (including crop). Loman Ray is an independent insurance agency, and we maintain relationships with many insurance companies, both local and larger, which allows us to offer every client in Decatur the most competitive rates and appropriate coverage.

• Home Insurance

• Auto Insurance

• Health Insurance

• Commercial Insurance

• Farm & Crop Insurance

• Life Insurance

Home Insurance Decatur IL - What You Need to Know:

Sometimes in life, things go wrong that are completely out of your control. Disasters such as break-ins, destructive weather, and accidents are some of the most common home accidents. Talking with Loman Ray can help you choose the best home insurance for you and yours.

What Kind of Home Insurance Is Right For You?

Home insurance encompasses many different facets, including property insurance, homeowners liability insurance, ordinance or law coverage, home sharing coverage, and scheduled personal property insurance. Schedule a consultation with the team at Loman Ray today in order to determine what kind of home insurance works best for your circumstances.

Here are some issues a secure home insurance policy can protect you and your family against:

• Accidental water damage

• Burglary, theft, vandalism and break-in damage

• Fire and smoke

• Frozen pipes or plumbing

• Lightning

• Snow or ice damage

• Water damage from water heaters or cooling systems/appliances

• Windstorms and hailstorms

What home insurance do I need?

Our relationships with different insurance companies, both local and larger, enable us to help you choose coverage to suit all kinds of situations. The team at Loman Ray Decatur will build a policy shaped around your unique needs and circumstances. Request a quote or contact us to get started and learn what we can do for you.

Mobile Home Insurance

Much like standard home insurance, a mobile or manufactured home policy provides coverage for your home, your personal belongings, and structures on the land you own.

These items are typically covered under a manufactured or mobile home insurance policy:

• Electronics and appliances

• Furniture and clothing

• Shed or other unattached structures

• Medical expenses and/or legal fees if someone is injured on your property

How much does mobile home insurance cost?

There are many factors that can impact the cost of your mobile home insurance rate, ranging from age, condition, and location of your home to your coverage limits and claims history. According to an Insurance.com average study, the average mobile home insurance cost is between $300 and $1000 annually. However, it can cost considerably more than this in some situations.

Car & Auto Insurance Decatur IL - Everything You Need to Know:

We routinely provide motorists in Decatur, Atwood, Windsor, Sullivan, and the surrounding areas with comprehensive auto insurance. We want to help keep you and your loved ones safe with common auto insurance coverages like under/uninsured motorists, and comprehensive, collision, and liability packages. We can also speak to you about student car insurance rental car insurance, fleet car insurance, or antique car insurance.

By working closely with our clients to identify risks, we are able to match them with the right coverages. In addition to insurance for motorcycles, classic cars, high-performance cars, and non-standard cars, we also offer traditional products such as:

• Liability Coverage

• Comprehensive Coverage

• Collision Coverage

• Uninsured & Underinsured Motorist Coverage

• Minor Violation Forgiveness

• 24-Hour Customer Service

• Towing

• Rental Reimbursement

• Personal Injury Protection (PIP)

• Medical Payments Coverage

Which auto insurance is best? Liability vs Comprehensive vs Collision

• Collision insurance covers damage to your vehicle in the event of a covered accident involving a collision with another vehicle. This may include repairs or a full replacement of your covered vehicle.

• Comprehensive car insurance pays for damage to your vehicle caused by covered events such as theft, vandalism, or hail, which are not collision-related.

• Liability car insurance (aka liability coverage) helps cover costs of the other driver's property and medical injuries if you are “at fault” in an accident. Your insurer will pay for the property damage and injuries up to the covered limit.

How to switch auto insurance?

If you decide to switch auto insurance providers, it's a pretty easy process. Even if you don't switch, it's wise to regularly compare rates to make sure you're getting the best deal. You don’t need to wait until your policy ends to make the switch. You can change companies whenever you want: mid-policy, at the end of your term, or even two days into your term, though you'll want to be wary of any cancellation fees.

After you've done research, contact your current provider to see if they'll match a lower rate. If you do decide to switch, you want to avoid a coverage gap: insurers charge significantly higher rates after a lapse in coverage, so make sure you have car insurance at all times. It's also important to set your new policy to begin the same day your old one officially ends because if you get in a car crash during a gap, you’ll have no coverage.

Why does auto insurance go up? What causes my car insurance rates to increase?

Auto accidents and traffic violations are common explanations for an insurance rate increase, but there are other reasons why car insurance premiums go up including an address change, new vehicle, and claims in your zip code.

Health Insurance Decatur IL - Answers To All Your Questions:

Health insurance goes a long way to protecting you and your family in Decatur. Proper health coverage will protect you from financial hardships in the event that you or a family member are ever sick or injured and can’t work. For businesses, the right health benefit package can help keep your employees protected and productive. Talk to the team at Loman Ray about individual health insurance plans, group health insurance plans, and affordable health insurance coverage. Contact us to get a health insurance quote.

Commercial Insurance Decatur IL - Answers To All Your Questions:

Commercial insurance can help you from many unexpected costs of running a business, big or small. It includes a range of coverages — like general liability insurance, crime insurance, and commercial property insurance — to cover liability exposure, and interruptions in operation, and protect your building and its contents.

Farm & Crop Insurance Decatur IL - Answering Your Questions:

There is often risk in the farming and agricultural industry. Insurance coverage from Loman Ray helps take some of the uncertainty out, assisting with unexpected natural disasters and major economic changes. With the right Crop Insurance coverage, you can protect your business and keep your farm protected.

• Individual crop policy: policies that can protect against loss of revenue

• Area crop policy: policies that use market prices and county yields

• Multi-peril crop insurance endorsements: policies that cover losses caused by natural events

• Crop hail insurance: policies that supplement multi-peril insurance endorsements

Life Insurance Decatur IL - Answers To Your Frequently Asked Questions:

Your life insurance policy can give you reassurance knowing that your finances and beneficiaries are secure, ranging from temporary to permanent coverage. Should something unexpected happen to you, you’ll want to be prepared to provide the assurance your family needs to keep their futures safe and sound. Life insurance can also be an important aspect of retirement planning—helping bring peace of mind and financial security for your family.

What type of life insurance policy suits me the best?

The key to finding the right policy for your needs is to know what times of life insurance are available. Answer some important questions when deciding which type and what amount of life insurance is right for you:

• What do you want the insurance to cover?

• What amount of coverage do you need?

• How long will you need the coverage?

Why work with Loman Ray?

1. Simplified application process

2. Personalized approach

3. Service you can trust

Schedule a Consultation With The Office Near You!

Loman Ray Atwood Office

110 N Main St, Atwood, IL 61913

(217) 578-2551

Hours: 8:30-4:30 Monday-Friday

Loman Ray Windsor Office

1123 Maine St, Windsor, IL 61957

(217) 459-2740

Hours: 8:30-4:30 Monday-Friday

Loman Ray Sullivan Office

13 S Main St, Sullivan, IL 61951

(217) 728-2323

Hours: 8:30-4:30 Monday-Friday