Protecting your home and possessions is extremely important. There are different plans with different levels of coverage. We are here to ensure you have adequate coverage. We will talk with you and ask questions about your home and belongings. We’ll take a look at the following areas and develop a quote for you:
Dwelling & Personal Property
Medical Payments to Others
Additional Living Expenses
Personal Liability

Basic Coverages include:

Property Damage coverage will pay for damage to your home and personal property.

Other Structures protection will protect your detached garage, shed or other unattached structures.

Personal Property protection pays for replacement of clothing, TV, stereo, computer, printer, furniture and other unattached personal items.

Personal Liability coverage protects against a non-auto claim in which you were at fault. This includes court costs and damage costs.

Medical Payment coverage is to cover injury to someone other than family members. This is usually for minor injuries that may need stitches, etc.

We can also add additional protection for jewelry, furs, art work, collectibles and other important valuables with a Personal Property Floater.

Condominium or Townhouse Insurance

These policies are designed to meet coverage requirements associated with condominium and townhome living. Coverages are offered for assessed losses as well as property damage and liability.

Renters Insurance

Our Renters Package provides you with the liability and property coverage renters need. It insures your personal property in your home as well as in your auto. If you lock yourself out – we’ll even pay for the locksmith!

Purchasing auto insurance shouldn’t be a difficult decision. As your agent, we will help you understand the ins-and-outs of auto insurance so you can choose the right type of coverage to meet your needs.

Our goal is to give you the most amount of coverage for the least amount of money.

AUTO POLICY DEFINITIONS:

What is Full Coverage?

There is no such thing as “full coverage” on insurance. Many people refer to this when they want both liability and protection for their car. But all insurance has limits. If you look at your current policy you will see liability limits and property damage limits. Do you know what these mean – some agency’s will tell you that you have “full coverage” when you actually only have the State Minimum on coverage. This leaves you wide open for a law suit and garnished wages! Learn what the numbers really mean.

Bodily Injury (BI) and Property Damage (PD)

Covers your liability for injuries you cause to other people and property damage for which you are at fault.

This coverage is usually expressed in a “split number” such as 100/300/100.

The first number is the limit (in thousands of dollars) that your policy will pay for bodily injury per person in the event of an accident. The second number is the total limit your policy will pay for bodily injury to two or more people per accident.

The third number is the limit that your policy will pay for property damage per accident.

Many people are underinsured today because of the rising costs of vehicles (making it easy to exceed your Property Damage limits) and the high personal injury awards in lawsuits.

Please consult us to make sure you have adequate converge – we’ll be happy to help you!

Uninsured & Underinsured Motorist

Covers you when you are injured by someone who is not insured or has inadequate limits of coverage. This is often an overlooked coverage, and we would be happy to help you understand this better!

Collision

This covers the cost of replacing or repairing your vehicle in the event of an accident in which you were at fault. The premium varies depending upon your deductible limits. We would be happy to help you decide which deductible is right for you.

Comprehensive

This covers repairing or replacing your vehicle in non-accident situations, such as theft and vandalism. Hail and other “acts of God” are covered, as defined by your policy. This also has a deductible, so please consult with us about which deductible meets your needs.

WE HAVE DISCOUNTS ON TOP OF DISCOUNTS!

Farmers offers discounts for good driving, good credit, multi-car, auto/home/life, Alumni (college grad), young child, EFT, New Household, and many professional discounts such as teacher, military, medical, firefighter, engineer and law enforcement to name a few. Be sure to tell us your occupation!

If so, you have come to the right place! Farmers – Andersonville Agency is more than just an insurance office. We take the time to personally review each clients needs and budget. All coverages are explained in user friendly terms – insurance will no longer be a puzzle. We take a look at your current coverage, then compile a package built on our suggestions and your needs. Most of the time we are able to fit the needed coverages within everyones budget. Cindy and Karen are dedicated to building long lasting relationships – not just selling insurance.

Farmers – Andersonville offers:
Automobile
Motorcycle
Homeowners
Renters
Condominium
Builders Risk
Commercial
Restaurant
Small Business Owner
Workers’ Compensation
Life/Health/Dental
Umbrella
And Much More

Have you been searching for a Client Focused company that can assist you with Auto, Home, Life, Health or Business Insurance? There is no better time than the present time to check out Farmers Insurance – Andersonville. Farmers Insurance is a leader in the Chicagoland area in respect to all lines of Insurance.

Cindy Weigel & Karen Ramsey (owners/agents) welcome you to their Agency!

We provide straight-forward advice on coverages and costs, explaining each product in easy to understand terminology. After meeting with us, we guarantee you will understand and feel comfortable with your decision. You’ll leave confident in knowing you and your family will have the proper protection to fit your needs, lifestyle and budget.

At Farmers Insurance – Andersonville Agency, we think of our clients as partners, for we work as a team. Moreover, we work hard at maintaining the highest customer satisfaction and giving back to our Chicago community. If you have any questions regarding Auto, Home, Life, Health or Business Insurance, let us know and we will be glad to answer them.

Just because drivers must have auto insurance to drive doesn’t mean it has to be expensive. Cheap auto insurance is easy to find online. Just spend a little time shopping for automobile insurance quotes to find the right policy. It only takes a few minutes, and best of all, it’s free!

The best way to save on auto insurance rates is to compare multiple quotes. Fortunately the internet makes this a simple task. Simply enter your zip code to be instantly matched with insurance companies offering insurance in your area. Check out several to see which provides the greatest coverage at the lowest price.

There are many ways to reduce the cost of auto insurance. It is amazing to see how just one or two small changes to a policy can affect the rates. Here are a few suggestions to help save money on an automobile insurance policy.
Start by keeping a clean driving record, with no tickets or accidents. Even if there is a history of poor driving, start today to make it better.
Calculate the highest deductible possible. Raising the deductible to as much as $500 or $1000 will make a major difference in the cost of a policy.
Choose a car with money saving features that reduce risk to the insurance company, like antilock brakes, airbags and anti-theft devices.
Study each policy to make sure that it includes all the needed features, without adding extra items that won’t be used. Towing insurance is usually an excellent value.