For more information call us in New Baden: (618)-588-7100
Breese: (618)-526-8669
In New Baden, Illinois, it is illegal to drive a vehicle without insurance. At the minimum, a driver must have liability insurance on their automobile. If you are pulled over without proof of insurance – you are subjected to a fine. Not only does auto insurance coverage help you avoid fines, but it also protects your investment, otherwise known as your car.
You spent your hard-earned money on a vehicle; auto insurance ensures that your money is protected in the case of an accident or other unforeseen circumstance. While liability coverage is the minimum, Horstmann Insurance Agency offers various coverages from many respected insurance carriers. Speak with one of our insurance agents to understand what is required, and what additional coverage helps keep you best protected. The six popular coverage options include:
For most homeowners, their house is their most significant investment – homeowners' insurance helps keep that investment protected from specific perils. These aren’t one-size-fits-all policies, every coverage is specified to the individual homeowner, and the goal of our insurance agents at Horstmann Insurance Agency is to find what you are looking for – and deliver it. Homeowners insurance is a collection of multiple coverages that help pay for the repairs or replacement of your home and its belongings if they were damaged by things like theft, fire, or a natural disaster. Homeowners coverage can include:
“What will happen to my family, once I pass on?” is a common question that people tend to think about when discussing life insurance. If your loved ones rely on your financial support, Horstmann Insurance Agency helps create a life insurance policy to help cover funeral costs, debt repayment, and possibly a cash payment to beneficiaries. Types of life insurance coverage include:
Horstmann Insurance Agency is here to help protect your business and help make it whole again in case the unexpected happens. Nobody plans to be a victim of theft or for their place of business to be struck with fire, however, taking a proactive approach and protecting your business with proper insurance coverage, is the best way to prepare for the unexpected.
The type of commercial insurance you need is dependent on your business. For instance, an ice cream parlor won’t have the same insurance coverage as a golf course or hobby shop. Usually, small business owners create a business owner's policy, which is a combination of commercial property insurance, crime insurance, general liability insurance, and other coverages into one package.
Some things to consider when choosing the right commercial insurance for your business:
Most states require workers’ compensation protection. It ensures that your business and its workers are protected in the case of accidents. Every small business relies on the employees that work there, just like those employees rely on their paycheck. Any sudden change due to an injury caused by a work-related accident can cause a significant stressor in a worker’s life. Workers Compensation helps alleviate that protection, which covers medical bills, loss of wages, rehabilitation, etc. Call Horstmann Insurance Agency to help keep your employees protected!
Do you want to put some extra money away for a time when you need it most? If you have a 401K from your employer that you have been paying into for years but are a little hesitant that it will be enough for your retirement, Horstmann Insurance Agency is here to help. We sit down with you, hear your concerns, and offer our professional financial advice. One investment isn’t great for all – that isn’t the way it works. Every financial plan is created specifically for each client and their unique wants and needs. For more information, contact Horstmann Insurance Agency today!
For More Information Or To Request a Consultation Dial in New Baden: (618)-588-7100 or Breese: (618)-526-8669
Horstmann Insurance Agency
203 W. Hanover
New Baden Illinois 62265
618-588-7100
8795 Old US Highway 50
Breese Illinois 62230
618-526-8669
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