Business Details
Trusted Property Insurance Since 1869
Established in 1869, our company has provided continuous property insurance protection to policyholders for over 150 years. As a mutual insurance provider owned by our policyholders, we prioritize personalized service and community-focused solutions. Our local board of directors, composed of homeowners, business owners, and farmers, ensures our offerings align with regional needs. We specialize in home and farm owners insurance, including comprehensive coverage for personal property, detached buildings, and additional living expenses. Our additional coverage options protect high-value items like jewelry, fine arts, collectibles, and recreational vehicles.We maintain a neighborly claims process, emphasizing transparency and prompt resolution. Our team combines deep industry expertise with localized knowledge to deliver tailored insurance solutions. We adhere to strict ethical standards, ensuring policyholders receive reliable, transparent coverage without hidden fees. Our commitment to continuous improvement drives our adaptation to modern insurance challenges while maintaining founding principles. With generations of experience, we remain dedicated to safeguarding our community's assets through trusted, high-quality service.
Services
Home Owners Insurance
Farm Owners Insurance
Additional Coverage
Claims Service
Policy Management
Highlights and features
- We offer over 150 years of experience in property insurance solutions
- Our mutual structure ensures policyholder ownership and community focus
- Local board members provide market-specific insurance expertise
- Personalized claims service conducted on a neighborly basis
- Specialized coverage options for high-value personal and farm assets
Services
Home Owners Insurance
Our home insurance protects primary residences with automatic coverage for personal property, detached structures, and additional living expenses. Policies include standard fire and lightning protection while allowing customization for modern risks. We provide comprehensive safeguards against common perils while maintaining affordability for homeowners.
Farm Owners Insurance
Designed for rural properties, this coverage protects farm buildings, equipment, and personal property. Includes automatic living expense coverage during disruptions. We address unique agricultural risks through specialized policies for farm liability, employee liability, and incidental business operations, ensuring comprehensive farm protection.
Additional Coverage
We offer tailored coverage for high-value items including jewelry, fine arts, collectibles, firearms, and recreational vehicles. Our policies extend to specialized risks like mine subsidence and pursuit liability, providing enhanced protection beyond standard insurance offerings for unique asset needs.
Claims Service
Our neighborly claims process emphasizes prompt, transparent resolution through local adjusters. We maintain dedicated claims specialists who guide policyholders through documentation requirements while ensuring timely settlements aligned with policy terms and coverage limits.
Policy Management
We provide comprehensive policy administration including coverage adjustments, payment processing, and document access. Our team assists with policy reviews to ensure evolving needs are met while maintaining clear communication channels for ongoing account management support.
People
Shaela Porter
Manager / CEO
With over a century of combined experience, our CEO leads a dedicated team providing personalized insurance solutions tailored to meet the unique needs of our policyholders.
Shantel Davis
Underwriter/Assistant Manager
Our assistant manager combines underwriting expertise with operational leadership to ensure accurate risk assessment and policy customization for residential and agricultural clients.
Lori Oldenburg
Underwriter
This experienced underwriter specializes in evaluating property risks and developing customized coverage solutions that balance protection needs with cost-effectiveness for policyholders.
Tara Miller
Assistant Underwriter
As assistant underwriter, this team member supports comprehensive risk analysis while maintaining focus on delivering accessible insurance options for homeowners and farmers.
Ann Summers
Claims Processor
Our claims specialist ensures efficient processing of insurance claims while maintaining compassionate communication with policyholders during property loss situations.
Questions
What types of insurance do you offer?
We provide home owners and farm owners insurance with additional coverage options for jewelry, boats, ATVs, and other specialty assets.
How do I file a claim?
Contact our office at (815) 456-2334 during business hours to report losses and receive guidance through our neighborly claims process.
Can I get coverage for valuable items?
Yes, we offer specialized coverage for high-value possessions including fine arts, collectibles, firearms, and recreational vehicles.
How are claims handled?
Claims are resolved through local adjusters using our transparent, neighborly process emphasizing prompt communication and fair settlements.
What's your history?
We've protected Illinois property owners since October 12, 1869, making us one of the oldest mutual insurance providers in rural America.
Reviews (1)
Timothy Jeschke
Jun 09, 2019
Report
Not a great insurance company at all They take forever and when they come out to do an inspection they lie on their own reports Save your money and go with a better company
