Insurance plans tailored to meet your needs.
At Partners Hometown Insurance Agency, we believe that you deserve the best coverage at the best price. With offices in Sparta & Chester, IL, our dedicated team can assist you in creating a customized insurance plan. From auto, life, and home insurance to business and commercial insurance, we work with a variety of companies to meet your insurance needs.
Whether you’re ready to request a free quote or would like to discuss your options, call us today!
For personal lines of insurance, we work closely with you to ensure professional and individualized service. Focused on building strong client relationships, we will take the time to understand how we can best tailor your plan to meet your unique insurance needs.
We can help you stay protected on the road with a customized auto insurance plan. Our experienced team will work with you to find the right policy at a great value. No matter what type of vehicle you have, we’ll get you covered. We understand that accidents happen and when they do, your safety should be your only concern – let us worry about the rest.
Secure your family’s financial future with a life insurance policy. While there are a few different types of life insurance — term, universal, and whole — our agents will work with you to help determine which type is best for you. Having a life insurance policy will give you peace of mind knowing that your loved ones will be financially secure after your death.
Your home is a sanctuary for you and your family, which is why it’s important to keep it protected. We can get you the coverages you need while helping you save money. Home insurance will cover your property and most valued personal possessions against loss, accidental damages, or unforeseen accidents. Proper coverage can also help pay for repairs, replacements, and extra living expenses if something does happen to your home.
Whether you’re a motorcycle enthusiast or a first-timer, the most responsible and safe thing you can do is find the right motorcycle insurance. Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. We’ll work with you to determine the right coverage to keep you and your bike protected.
- Collector Cars
- Rental Property
- Personal Umbrella
For commercial lines of insurance, we are dedicated to providing exceptional, personalized service for our commercial clients. We will take the time to learn about your business and determine the unique insurance offerings that will best fit your needs.
Commercial Insurance Products
- General Liability
- Workers Compensation
What does home insurance cover?
Most home insurance policies are based on a standard form and cover two important areas: property and liability. In addition, most policies cover you for additional living expenses should your home not be habitable for a period of time due to a loss by a covered peril.
Which deductible should I choose?
In order to keep your premiums to a minimum, we recommend a minimum deductible of $1000 for home insurance and $500 for auto insurance. Turning in a number of small claims may result in an increase in the premium or even a non-renewal. Your home insurance should be used for large catastrophic losses.
How is the value of the dwelling determined?
We will need to take into account the year your home was built, what type of home you have, how many square feet, how many bathrooms, etc. Once we have this information, we will determine an approximate value at which your home should be insured.
Please note that what amount you purchased the home at or what the home is assessed at has nothing to do with what it may cost to totally rebuild your home with today’s cost of construction.
What is a personal umbrella and how much does it cost?
A personal umbrella gives you additional liability coverage that goes over your underlying liability limits. The minimum umbrella is $1 million. While the costs of an umbrella may vary, the average cost is about $150 a year.
If I work out of my home, are my inventory and business property covered?
Yes, but within certain limits. Both inventory and business property are covered as personal property used for business purposes. However, like all personal property, there are monetary limits on reimbursement. Also, keep in mind that personal liability protection in your homeowners’ policy does not extend to business liability.
If my child is going to college, are his contents covered while away at school?
Yes, to a percentage. Contents that are stored away from home in a temporary location normally have up to 10% of your personal property limit on your homeowners’ policy.
I own one half and rent the other half of my duplex. Are the tenant’s contents and liability also covered by my homeowners’ policy?
No, your tenant will need to have a renters insurance policy.
I am temporarily storing some of our contents in a storage shed that is not on our property. Are these contents still covered under my homeowners’ policy?
Yes, you have up to 10% of your personal property limit for contents that are stored off the premises. However, please be sure to keep your agent informed about the address of where the contents are being stored, as well as more specifics about the building where the contents are being stored.
I have a lot of jewelry, a few guns, and some furs. Do these items need to be listed separately?
You will most likely have special limits on these items. Please talk to your agent about the advantages of adding a rider on your home insurance policy for these items.
Will reporting a claim affect my rates?
Yes, making claims do affect your rates. More importantly, making two or three claims within a three-year period could possibly end up in a cancellation of your home insurance policy, as this type of policy should only be looked at for catastrophic losses. Having your deductible at least $1000 for home insurance and $500 for auto insurance will eliminate you from filing small claims that could hurt you in the future.
How can I determine how much life insurance I need?
Before deciding on a life insurance policy, ask yourself the following questions:
- How much of the family income do I provide? If I were to die early, how would my survivors, especially my children, and anyone else financially dependent on me get by?
- Do I have children for whom I’d like to set aside money to finish their education in the event of my death?
- How will my family pay final expenses and repay debts after my death?
- Do I have family members or an organization to whom I would like to leave money?
- Will there be estate taxes to pay after my death?
Be sure to count the life insurance you have now, including any group insurance where you work or veteran’s insurance, as well as Social Security and pension plan survivor’s benefits. You can add other assets you have to your policy, including savings, investments, real estate, and personal property.
What is the difference between Term Life Insurance and Cash Value Life Insurance?
Term Life Insurance generally has lower premiums in the early years, but does not build up cash values that you can use in the future. It can cover you for a term of one or more years, and pays a death benefit only if you die in that term. Term Life Insurance generally offers the largest insurance protection for your money.
Cash Value Life Insurance has higher premiums at the beginning than you would have for the same amount of term insurance. The part of the premium that is not used for the cost of insurance is invested by the company and builds up a cash value that may be used in a variety of ways, including making partial withdrawals and borrowing against the policy’s cash value by taking out a policy loan.
Partners Hometown Insurance / Sparta Office
1420 Sparta Centre Dr. / Sparta, IL 62286 / Get Directions
Phone: 618-443-3002 / Fax: 618-443-4166 / Email: firstname.lastname@example.org
Partners Hometown Insurance / Chester Office
600 Chester Center / Chester, IL 62233 / Get Directions