Good car insurance coverage isn’t just about a policy. GREAT car insurance coverage includes personalized help from your local insurance agent, resources that help keep you on the road, and the best coverage at a competitive price. Illinois insurance requirements for drivers are pretty straight forward. Click READ MORE for more information.
CLICK HERE TO LEARN ABOUT ILLINOIS MINIMUM COVERAGE REQUIREMENTS.
WHY BUY CAR INSURANCE?
In the State of Illinois, it is illegal to drive an uninsured motor vehicle. Auto insurance also helps protects automobile owners from unexpected and sometimes even devastating scenarios. As an insured driver, your policy can cover medical bill assistance, car and other property repairs, some legal defense costs and more.
WHAT TYPE OF ILLINOIS INSURANCE COVERAGE DO YOU NEED?
Your coverage should be tailored to your vehicle and driving habits. Illinois Insurance regulations require certain minimums, but if you have a loan on your vehicle, your bank will require more.
HELP ON THE ROAD
As your Illinois insurance agent, Steve Petersen can give you advise on important coverage decisions or answer any questions you may have. Steve is always here to help simplify your insurance experience. Steve will help you:
- Find available auto discounts
- Adjust your coverage, at your request, as your life changes
- Guide you through the auto claims process
Great homeowner’s insurance is more than quality coverage for your space. Steve Petersen Insurance provides access to innovative tools, money-saving discounts and a local agent. Sometimes it takes a genuinely experienced ILLINOIS INSURANCE AGENT to help you face off against those ILLINOIS WEATHER CHANGES.
Standard homeowners insurance policies will typically help pay to repair damage caused by certain risks, or perils, including:
- Fire and smoke
- Windstorm or hail
- Falling objects
- Frozen plumbing
- Water damage from plumbing, water heater, heating or cooling system or appliance
A great agent like Steve Petersen can:
- Explain your home insurance coverage options
- Find discounts to save on your home insurance premium
- Help you understand the home claims process
Home is where your heart is, along with all of the other things you love. Steve Petersen can help you find the right Renters Insurance Policy that can protect your belongings when the “unfortunate unexpected” strikes. Renter’s coverage is a necessity and costs less than you might imagine. Policies are available starting as for as little as your daily Latte. Call Steve Petersen today to get a free quote.
You may not need to mow the lawn or shovel the walkway, but it’s still important to protect your condo or townhouse with insurance. Get dependable coverage for your belongings and yourself by working with Steve Petersen to secure the best condo insurance coverage available.
Dwelling protection: Covers your rental property and the structures attached to it, like a deck, if something should happen to them.
Other structures protection: Covers garages, sheds and other buildings that are separate from your rental property.
Liability coverage: Covers you if you’re sued after an accident, damage or loss related to your property. For example, you might have a lawsuit on your hands if your tenant injures himself on broken stairs in your rental.
Fair rental income coverage:
Helps pay the rental income you would otherwise lose if your rental becomes uninhabitable due to a covered loss and your tenants have to move out. You can keep the money coming in for up to 12 months while the unit is being repaired or rebuilt.
Premises medical protection: This type of coverage can help pay for reasonable and necessary medical expenses if someone is injured in an accident on your rental property.
Vandalism coverage: If your rental is vandalized, this add-on can help cover the cost to repair or replace what was damaged. It also provides coverage for belongings used for the rental property.
Burglary coverage: In the event of a burglary, adding burglary coverage to your landlord insurance policy could help pay for the repairs or replacements your dwelling needs. It covers belongings used for your rental property as well.
Rental property under construction: If you’re renovating a rental property or building a new construction, this additional coverage could help cover the dwelling before it’s ready for occupancy.
Building code: When you’re fixing things up after a covered loss, adding building code coverage to your landlord policy could help cover the increased cost of enforcing any building codes, ordinances or laws regulating the construction, reconstruction, maintenance, repair or demolition of your dwelling.
Everyone should prepare for a secure financial future which is why life insurance is crucial. Whether you’re just starting out or you’re getting ready to retire, Steve Petersen Insurance will help you take the next right step forward.
Life insurance can help you:
- Establish yourself financially
- Maintain coverage and lower rates even if you change jobs or lose employer coverage
- Protect co-signers or family from student debt should anything happen to you
- Ensure the people you love most are protected
Life insurance can help you:
- Provide income to handle expenses if something happens to you
- Help make sure your family can stay in your home
- Cover college expenses or pay off education debts
- Leave money for your family – free from federal income tax
Life insurance can help you:
- Pay final expenses. Your loved ones may use the death benefit to help pay for final expenses, such as estate administration and burial costs.
- Provide emergency funds. Borrowing or withdrawing from a life insurance policy that carries a cash value may be able to provide some funds when you need it. Such as, if you don’t want to redeem investments during a volatile market.
- Help replace retirement income. For couples relying on Social Security or a pension, life insurance can help replace that income if you pass away.
- Help offset unexpected medical costs. If you are diagnosed with a terminal illness, life insurance can help offset medical expenses.
Small business owners are faced with a variety of unique challenges and circumstances. Steve Petersen can give your business an edge by providing secure, personalized business insurance providing invaluable protection and peace of mind. Call Steve Petersen today to discuss your business insurance needs and to schedule a free quote.
Whether you ride your bike as your main transportation or just as a weekend road warrior, Steve Petersen can help you find a motorcycle insurance policy that may help protect your bike or scooter. From custom headlight to vintage tail light, it’s important to make sure you and your ride are covered. The State of Illinois Insurance rules require all motorcycle drivers to be insured.
A motorcycle policy can help you protect your bike or scooter with:
Liability coverage: Required in most states, liability coverage may help pay for another person’s medical bills or property repairs if you cause an accident while on your scooter or motorcycle.
Collision coverage: This coverage may help pay to repair or replace your motorcycle or scooter if it is damaged in a collision with another vehicle or object.
Comprehensive coverage: If your motorcycle or scooter incurs damage due to incidents such as fire, theft or vandalism, comprehensive coverage may help pay for repairs or replacement.
Uninsured/Underinsured Motorist Coverage: If your bike or scooter is hit by a driver who doesn’t have insurance or enough coverage to pay for repairs to your bike, uninsured and underinsured motorist coverage may help pay the related repair costs.
If you’re a cold weather person, there’s not much better than flying across fresh powder on your snowmobile. Steve Petersen can help you make sure you’re covered if the lake wasn’t as frozen as you thought. Snowmobile insurance can help you back on the trail if an unexpected accident occurs. Call Steve today to learn more about policies available for your recreational vehicle.
Enjoy the thrill of every jump, dip and turn even more by knowing you’re protected. Steve Petersen can help you get insurance coverage beyond your auto and home policies—for all-terrain vehicles (ATVs), utility vehicle (UTVs), dune buggies, golf carts, go-karts, trail bikes and more.
Even if you’re not required to have boat insurance, it’s important to protect your boat and your crew from harm. You can get that dependable coverage through Steve Petersen at a surprisingly affordable price, along with the support of a knowledgeable agent who can help you navigate your policy. Experience the peace of mind that comes knowing your watercraft is covered, bow to stern.
Protecting your best friend with a pet health policy can give you peace of mind. Insurance can help cover costs when your cat or dog has an injury, faces a serious health problem and, in many cases, goes to the vet for routine wellness care. Ask Steve Petersen about comprehensive protection for your furry friend.
- Accidents, and treatments for illness and disease
- Cancer and chemotherapy services
- Surgery, hospitalization and nursing care
- Lab work and diagnostic tests, including X-rays and MRIs
- Some Genetic conditions
- Alternative therapies like acupuncture, hydrotherapy and holistic and homeopathic medicine
- Chronic and recurring conditions, like allergies, diabetes and hyperthyroidism
Steve can also tell you about an optional Wellness Rewards plan that provides coverage for routine care, such as annual check-ups, vaccinations, dental cleanings and more.