Welcome

 Vehicle insurance covers automobiles and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle.  Liability limits and physical damage define automobile insurance if you have it. Liability covers Bodily injuries and  Property damage. It also covers uninsured motorists and underinsured motorists. IL Limits 25,000/50,000/20,000

What these limits mean is that the first two numbers are always the Bodily Injury Liability Limits. So what this means is $25,000 Per Person $50,000 Per Accident

the $20,000 that Illinois requires all drivers to have for property damage liability. These limits typically go from the State Minimum to $1,000,000.

Contact an agent to learn more about auto liability.

Auto Insurance Policies can also have medical payment coverage. What this means is if were in an accident and you or someone in your vehicle was hurt. You and or them could use your policy's medical payment coverage to cover medical bills. Most policies have $5,000 to $10,000 in coverage per person but can be higher or declined altogether.

 Homeowners insurance covers damage to your home, property, personal belongings, and other assets in your home. Your homeowner's insurance policy may also cover living expenses above your normal cost of living if a covered loss forces you to stay elsewhere while your home is being repaired or rebuilt. It may also provide coverage for accidents or injuries that occur in your home or on your property. A homeowners policy covers injuries you may unintentionally cause to others away from your home.

 Umbrella insurance is a kind of liability insurance. It typically applies when liability exceeds the limits of other policies, although it may also serve as primary insurance for losses not covered by other policies. 

Some companies may refer to this policy as a PCL policy ( Personal Catastrophe Liability )

ATV, Recreation vehicle and Boat insurance cover you while operating the vehicle. Speak to an agent to learn more about each coverage.

 Why is life insurance important? Buying life insurance protects your spouse and children from the potentially devastating financial losses that could result if something happened to you. It provides financial security, helps to pay off debts, helps to pay living expenses, and helps to pay any medical or final expenses. 

 Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs.

Whether you are a small hometown business or a large business, we have a package specifically for you.

Insurance coverage that you need to consider for your business may be:

• Workers Comp
• General Liability
• Commercial Property
• Commercial Auto
• Cyber Liability
• Business Owners Policy
• Employment Practices Liability
• Business Interruption
• Professional Liability
• Group Health Insurance

Our agents have years of experience providing commercial insurance and are dedicated to excellent customer service. 

Apartments

Convenience Stores

Contractors:
Electrical
Plumbing
Concrete
Carpentry
Heating and Cooling
Fence Installation
Excavation
Grading of Land

Grocery Stores

Manufacturing

Machine Shops

New and Used Auto Dealers

Offices

Restaurants

Taverns

Retail Stores

Truckers

and more...

Have a business not listed? Contact us!

 Whether you’re a small business with a variety of bonding requirements, or an individual looking for a specific type of bond, Ramey Insurance has a surety program designed to fit your needs.

We can get you a contract bond up to $350,000 with only a credit report.

We specialize in contract bonds but offer several types of bonds to fit your needs.

• License
• Permit
• Public Official
• Probate
• Court
• Lost title