Providing Personal Insurance in Winchester,
Pittsfield, Bluffs and Surrounding Areas
It is Peak Insurance Agency’s mission to offer top-notch protection for your auto, home, health, commercial, and life insurance to keep you and your family safe and secure. Our goal is to discuss your needs and problems, sort through your current coverage to determine if there are any gaps in protection, and put together a comprehensive insurance policy that is designed to best protect you at an affordable rate. We understand the complexity of insurance coverage, and we work with you so that you best understand each policy and can make an informed decision on how to protect you and your assets.
Our job is to eliminate your ‘guesswork’ when determining the insurance coverage you need. We help you make sense of it all, which allows you to make an informed decision that best protects you and your assets and provides you with peace of mind. With nearly 60 years of experience, we know how to evaluate your specific needs and find the insurance coverage that best suits your budget. The companies we represent offer tested, reliable insurance products, and excellent customer service. They are known for their fast, fair claims service.
Nothing is certain in life, and it is always best to be prepared. Expect the unexpected. Take a proactive approach to your future financial situation, and protect yourself, your assets, your business, and your family with the right insurance coverage. Peak Insurance Agency has all your personal lines insurance solutions. We can provide you with the necessary protection at the best rates because we only partner with top-rated companies.
We hope you take advantage of our decades of experience in serving individuals and businesses on all their insurance needs. We encourage you to contact us with any questions or concerns at 800.742.9596. Below you will find some of the personal lines of coverage that we offer.
Auto Insurance
When it comes to auto insurance, one size doesn’t fit all. Nobody understands this more than Peak Insurance Agency. Every auto insurance policy is unique to the individual, and we do our best to keep you as protected and informed about coverage options as possible. We provide peace of mind with affordable auto insurance rates and offer free, no-obligation quotes. Contact our staff today and we can discuss the best options to cover you and your family. Available coverage includes:
- Liability Insurance
- Collision Insurance
- Comprehensive Insurance
- Medical Payments Coverage
- Personal Injury Coverage
- Uninsured Motorist Coverage
- Underinsured Motorist Coverage
What Auto Coverage Do I Need?
By law, the state of Illinois requires “minimum auto insurance” for any registered vehicle. A ‘bare bones’ policy, which is common for insurers to offer, insures the at-fault driver for damages caused in an accident. However, medical expenses can accumulate, especially if you suffer serious injuries as a result of the accident. Sometimes a $50,000 bodily injury coverage doesn’t last long at a hospital, which means you must pay the remaining balance. That is why it is important to understand your options and discuss auto insurance coverage with one of our agents. It is our goal to inform you of every possibility when discussing auto insurance and what protections you are guaranteed under each policy.
How to Save on Auto Insurance
Some of the easiest ways to save on your auto insurance policy is having a history of safe driving, equipping certain safety features on your vehicle, and even obtaining good grades! You will be amazed by the numerous ways to save on auto insurance, and we inform you of them all! Other options include vanishing deductibles, new car replacement, accident forgiveness, and smartphone apps that help you get the most value out of your insurance policy.
RV Insurance
Having an RV is a great investment and allows you the wonderful experience of touring the country in comfort. However, like any other asset, it is important to keep it protected. Don’t leave it to chance that your RV will avoid breakdowns and accidents while you are on the road. Take a proactive approach and safeguard your financial future with insurance coverage that best protects you and your RV. Peak Insurance Agency offers various coverages to help keep your investment protected. Contact our office today and request a free quote!
ATV Insurance
In general, most states don’t require your ATV to be insured, and a homeowner’s policy may offer minimal coverage. If you do have an ATV and want to receive adequate protection for it, contact our office to review specific policies to determine whether a separate policy would be ideal. You could receive a discount for:
- Completing an approved ATV safety course
- Owning and purchasing insurance on multiple ATVs
- Being a member of Harley-Davidson Owners Group (HOG), American Motorcyclist Association (AMA), or the Honda Rider’s Club of America (HRCA)
Boat Insurance
According to the reporting of the U.S. Coast Guard, property damage to boats has been on the rise and many states require boat insurance. If your boat is on loan or you utilize a marina, you are probably also required to insure your boat. But even if you aren’t required to have boat insurance, it generally is a good idea, especially if you want to protect your financial investment.
Like car insurance, boat insurance works similarly to help keep you and your boat protected in the event of an accident. However, boats and cars have different features, so make sure to speak with an insurance agent about the coverage you need. Ask one of our agents about ways to save on your monthly premium without giving up certain protections.
Essential Boat Coverage
- Liability
- Physical Damage / Theft
- Medical Payments
- Motor Coverage
- Trailer Coverage
- Boat Covers
- Docking Fenders
- Communication Devices
Boat Insurance Discounts
- New Boat Discount
- Automatic Fire Extinguisher Discount
- Burglar Alarm Discount
- Ship-to-Store Radio Discount
- Approved Boating Education Course Discount
Homeowners’ Insurance
For most homeowners, the purchase of a house is normally their biggest investment. That means it is important to keep it protected as best you can. Nobody understands this better than Peak Insurance Agency; we pride ourselves on offering customized coverage options at an affordable rate for our clients in Winchester, Pittsfield, Bluffs, and Jacksonville, Illinois. This includes additional coverage options for your furniture, valuables, and other structures (pools, sheds, garages, etc.). Don’t leave your most valuable asset vulnerable; contact your local insurance agent to discuss your coverage options to best protect your home. Peak Insurance Agency offers free homeowners’ insurance quotes!
What Should Homeowners’ Insurance Include?
- Property Coverage
- Liability Coverage
- Personal Property Coverage
- Other Structures Coverage
Homeowners’ Insurance Discounts
- Home Buyer Discount
- Protective Devices Discount
- New Home Discount
- Multi-Policy Discount
What Is NOT Included?
- Water/Sewer Backup
- Earthquakes
- Floods
- Jewelry
- Musical Instruments
- Coins
- Silverware
- Furs
Renters’ Insurance
If you are renting a property, your landlord’s insurance policy may not cover your personal belongings and valuables. Renters’ insurance guarantees you protection and is much less expensive than you might think – it can be as cheap as $4 more a month! When renting a place to live, numerous things can go wrong, including busted pipes, kitchen fires, and even theft. Having a renters’ insurance policy ensures that your valuables, rental property, and living expenses aren’t jeopardized if something bad occurs.
Flood Insurance in Central IL
Even if you do not live in a flood zone, you should not assume that your property is safe from flooding. If your foundation or drainage system is inefficient, the smallest amount of rainfall could lead to flooding. Floods are not covered under most homeowners’ insurance policies. Therefore, it is best to consider flood insurance for your home in Winchester, Pittsfield, Bluffs, or Jacksonville, Illinois.
Common Myths About Flood Insurance
- Flood insurance is only needed if you live in a flood zone. The reality is that everyone could benefit from protecting their home from floods because, regardless of where you live, a flood can occur anywhere.
- Government programs handle your flood insurance. The National Flood Insurance Program guarantees the availability of flood insurance across specific areas, but that only covers a very minimal percentage of homes in America.
- Homeowners’ insurance automatically means you have flood insurance. It is not standard for most homeowners’ insurance policies to cover floods. Never assume that your home is protected with a certain coverage; always verify with your insurance company what is and is not covered.
In reality, most homes have a low chance of being flooded, but if it happens and you aren’t protected – it will be costly. A flood could result in the loss of most of your valuable possessions and may even require major reconstruction work for your home. In most cases, flooding may not happen to your home, but is it worth the risk?
Contact Peak Insurance Agency and we’ll help explain the benefits of flood insurance coverage and provide a free quote.
Personal Umbrella
Policies for your home, vehicle, and boat limit your liability insurance. This means that in the event of an accident, they set a limit on what amount of cost they will cover. It is impossible to predict the amount of money that a judge may award a victim of an accident, which makes umbrella insurance a necessary option for every policyholder who seeks quality protection.
The purpose of umbrella insurance is to give you added liability protection beyond the limits of your current policy. Depending on the insurance carrier, you can add an additional one to five million dollars in liability protection; this will start once your current policy exhausts all coverage funds.
Liability insurance is the portion of your policy that pays for expenses like medical bills, pain relief therapy, rehab, and lost wages when you are at-fault. It also covers legal fees, including an attorney and court expenses, if the case goes to trial.
When you add up the medical bills, legal fees, and other liability costs, it isn’t uncommon that your policy doesn’t cover all the accrued expenses. That is what makes an umbrella insurance policy so important and beneficial. In addition to providing extra protection to your bank account, it is relatively inexpensive for what you potentially save.
