Smart plans. Smart choice.
We’ll design a custom plan for you, grounded in trust,
expertise, and your needs.
Home Insurance

You’ve worked tirelessly to turn your house into a home. You want to keep what’s likely your biggest financial investment protected—and provide your family with the guarantee that they’ll be safe and sound in it. We hear you.

Loman-Ray is your trusted solution for homeowners insurance. Our coverage options are both flexible and affordable, and we’ll design a policy that best suits your need and provides the assurance that your family and possessions are secure.

While standard home insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard policy. That’s why it’s important to talk to us about specific coverage options that are applicable to your situation.

Keep your memories protected with the right policy from Loman-Ray.

Our Home Insurance coverage options include:

  • Property Insurance
  • Homeowners Liability
  • Renters Insurance
  • Condo Insurance
  • Mobile Home Insurance
  • Scheduled Property Insurance
  • Landlords Insurance
  • In-Home Business Insurance
Auto Insurance

You want to ensure your independence behind the wheel. And you know that keeping your vehicle insured is the responsible thing to do. We hear you.

Auto insurance is an essential financial decision that you can’t drive without. From accidents and injuries to hit-and-runs and theft, you need to be prepared when something unexpected happens. At Loman-Ray, we combine premium auto insurance with personalized service to give you the best coverage possible.

Our experts will work with you one-on-one to find a plan that keeps you, your drivers, and your passengers protected at all costs. We’ll help you get coverage that reduces or covers property damage costs, replacement parts for your car resulting from an accident, medical expenses from injuries, roadside assistance, and much more. Policies vary, so get in touch with us to see what works best for you.

We offer a variety of coverage and additional protection options, such as:

  • Liability Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • Accident Forgiveness
  • Roadside Assistance
  • Specialty Auto Insurance
  • 24-Hour Customer Service
  • Towing
Health Insurance

You already know that medical care costs are skyrocketing, and that having the right insurance is a necessity to have your health expenses covered at a reasonable price. But finding the right health plan for you, your family, or your business can be complicated. We hear you.

Loman-Ray is committed to providing the knowledge and support you need to help you make the right decision. When it comes to safeguarding you and your family, good health coverage is critical. For businesses, your health benefit package can be key to keeping your employees happy and productive while assuring that they’re protected. Plans vary, but they can cover anything from medical and hospital expenses to prescription drugs.

We strive to offer the best Health Insurance options possible, from individual and group plans to specialized packages that may include dental and vision coverage.

Depending on your needs, our health care packages can include:

  • Individual & Family Health Insurance
  • Group Health Insurance
  • Dental Coverage
  • Vision Coverage
  • Long-Term Care Insurance
  • Short-Term Health Insurance Plans
  • Supplemental Insurance
  • Disability Insurance
  • Child Health Insurance
  • Telemedicine Services
  • Prescription Insurance
  • Medicare Supplement and Advantage Plans
Commercial Insurance

No matter what business you are in, each workday is dedicated to doing your job well and providing your customers with the best service possible. In today's ever-changing environment, risk is constant. Commercial Insurance is not. Loman-Ray Insurance Group, LLC will thoroughly assess your business and situation to develop creative, comprehensive, and cost-effective solutions that fit your needs.

We are committed to keeping your business protected soyou can focus on your day to day operations.

We offer the following options for your business assets:

  • Commercial property insurance
  • Commercial general liability
  • Business Owners Policy (BOP)
  • Inland marine insurance
  • Commercial auto insurance
  • Commercial umbrella insurance
  • Professional liability
  • Workers compensation
  • Bonds
Life Insurance

Your family means everything to you. You want to watch them succeed and share in their ambitions and dreams. But if the unexpected happens to you, you want to provide the assurance your family needs to keep their futures safe and sound. We hear you.

At Loman-Ray, we’ll work with you to keep your family protected in the event of your untimely death. From temporary to permanent coverage, the right life insurance policy can ensure that your finances and beneficiaries are secure.

Your policy can also be used to pay off debts and estate taxes, provide money for continuing mortgage payments, and keep your business up and running upon your passing. But most important, it can be used to ensure that your family’s dreams for the future become realities.

Whatever your situation, we offer life insurance options, such as:

  • Individual Life Insurance
  • Group Life Insurance
  • Long-Term Care Insurance
  • Mortgage Protection Insurance
  • Disability Insurance
  • Second-To-Die Policy
  • Key Person (Key Men) Insurance

We also understand that as things in your life change (e.g., marriage, birth of a child or job promotion), so will your financial and insurance needs. That’s why it’s important to review your options with a specialist you can trust.

Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Farm Insurance

You’ve worked hard to build your farming operation. Whether you’re small or large you need a partner to help protect your operation. We hear you.

At Loman-Ray, we’ll help you manage your risk, providing you the farm coverage you need so you can focus on what you do best. By being proactive with a proper farm policy, your equipment, buildings, and even lost income can be covered in the event that an accident or unforeseen circumstance disrupts your operations.

We’re sensitive to your individual needs and will work with you to find a policy that best suits your farm or ranch—so you can sleep a little sounder at night.

Designing a specific policy with us gives you several coverage options:

  • Crop Insurance
  • Farm Owners Insurance
  • Farm Livestock Insurance
  • Equine Insurance
  • Farm Equipment Insurance
  • Farm Dwelling Insurance
  • Farm Structures Insurance
  • Farm Auto Insurance
  • Farm Umbrella Insurance
  • Farm Liability Insurance