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Home Elite Homeowners Insurance

Get rewarded for taking care of your home!


At Loman-Ray, we understand that your home is not just a house—it's your sanctuary. It's a place where memories are made, and where you take pride in creating a warm and welcoming environment for yourself and your loved ones. That's why we partner with CIMICO to offer the Home Elite homeowners insurance policy, designed to provide you with the coverage you need while rewarding your dedication to maintaining and upgrading your home.

 

When you replace your roof, install new HVAC equipment, modernize the electrical system, or update the plumbing, you not only enhance the safety and functionality of your home, but you also earn discounts on your insurance premiums up to 33%. It's a win-win situation that allows you to invest in your home's long-term value while enjoying the peace of mind that comes with full coverage.

 

We believe that top-tier coverage combined with valuable discounts is the ultimate winning combination. Your home deserves the best, and the Home Elite insurance policy is here to deliver just that.

 

Contact a Loman-Ray agent today and let us protect and reward your most cherished asset, your home.

 

 

Commonly Asked Questions about Home Elite Policies
What does the Home Elite policy cover?

The Home Elite policy offers special coverage for your home, protecting it against a wide range of risks such as fire, theft, vandalism, natural disasters, and more. It goes beyond basic coverage to include increased protections for your dwelling, personal belongings, liability, and additional living expenses in the event of a covered loss.

How do I qualify for earned discounts with the Home Elite policy?

You can earn discounts up to 33% on your Home Elite policy by taking proactive steps to improve your home. Replacing your roof, installing new HVAC equipment, modernizing the electrical system, and updating the plumbing are some of the eligible upgrades that can earn you discounts. These discounts not only reward your dedication to home maintenance but also help lower your insurance premiums.

Can I customize my Home Elite policy to suit my specific needs?

Absolutely! At Loman-Ray, we understand that every home and homeowner is unique. That's why we offer customizable options with the Home Elite policy. You can tailor your coverage limits and add-on endorsements to ensure that your policy aligns perfectly with your individual needs and provides the level of protection you desire.

Are there any additional benefits or perks with the Home Elite policy?

Yes, the Home Elite policy comes with additional benefits to enhance your coverage. These may include features like extended replacement cost coverage, identity theft protection, equipment breakdown coverage, and personal property replacement cost coverage. Be sure to discuss these options with our knowledgeable insurance agents to determine which ones are right for you.

How can I obtain a Home Elite policy?

Learn if your circumtances are a good fit for a Home Elite policy by reaching out to our friendly and experienced insurance agents at Loman-Ray, either by phone or through our locations page. They will guide you through the process, answer any questions you may have, and help you customize a policy that suits your specific needs. With their expertise, you can secure the coverage and earned discounts that come with a Home Elite policy.


The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

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We help customers like you throughout east central Illinois and beyond—since 1981.

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Urbana - Corporate Office
2702 Boulder Drive, Urbana, IL, 61802
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Monday - Friday

8:30am - 4:30pm

Saturday - Sunday

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Broadlands
108 S. Lincoln Street, Broadlands, IL, 61816
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Monday - Friday

8:30am - 4:30pm

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Cissna Park
125 W. Garfield St., Cissna Park, IL, 60924
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8:30am - 4:30pm

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Clifton
145 E 5th Ave, Clifton, IL, 60927
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8:30am - 4:30pm

Saturday - Sunday

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Danville
17 E. Liberty Lane, Danville, IL, 61832
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8:30am - 4:30pm

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Hoopeston
1016 W. Orange St., Hoopeston, IL, 60942
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8:30am - 4:30pm

Saturday - Sunday

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Monticello
113 S. State St, Monticello, IL, 61856
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8:30am - 4:30pm

Saturday - Sunday

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St. Joseph
104 N Main St, St. Joseph, IL, 61873
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8:30am - 4:30pm

Saturday - Sunday

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Sullivan
13 S. Main St, Sullivan, IL, 61951
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8:30am - 4:30pm

Saturday - Sunday

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Tolono
107 N Watson, Tolono, IL, 61880
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8:30am - 4:30pm

Saturday - Sunday

Closed

Villa Grove
15 S Main St, Villa Grove, IL, 61956
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8:30am - 4:30pm

Saturday - Sunday

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Windsor
1123 Maine, Windsor, IL, 61957
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Monday - Friday

8:30am - 4:30pm

Saturday - Sunday

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