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    Decatur's full service insurance agency

    Decatur's full service insurance agencyDecatur's full service insurance agencyDecatur's full service insurance agency

    When it comes to protecting your most valuable assets, don't settle!  Ask us for a complete review of your insurance needs

    Contact Us

    Call 888-423-5349

    Decatur's full service insurance agency

    Decatur's full service insurance agencyDecatur's full service insurance agencyDecatur's full service insurance agency

    When it comes to protecting your most valuable assets, don't settle!  Ask us for a complete review of your insurance needs

    Contact Us

    Call 888-423-5349

    Our Team

    Our team has more than 25 years of experience in the insurance industry as agents, sales managers, underwriters and claims staff in all lines of personal and commercial insurance.  Timber Creek Insurance Services is here to provide residents of Central Illinois with many options to properly insure your auto, home, life and business

    We proudly represent these quality carriers:

     

    • Chubb
    • Dairyland Insurance
    • Berkshire Hathaway Guard Insurance
    • The Hartford
    • Hippo Insurance
    • Illinois Mutual Life Insurance Company
    • Markel
    • Mercury Insurance
    • Foremost (formerly MetLife Insurance)
    • Nationwide Insurance
    • Progressive Insurance
    • Safeco Insurance
    • Travelers Insurance

    House  fire

    Could You Replace Your Home?

    Imagine how devastating it would be to lose your home in a fire. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of insurance. Selecting the proper amount of coverage is the single most important decision you can make with your Homeowners policy. Without it, you may not have enough coverage to rebuild after a total loss. This is called “insurance to value.” Below are some explanations and tips to help you make the right choices for your needs — and remember, if you need help, we’re just a phone call away!


    What is insurance to value?

    Insurance to value is the relationship between the amount of coverage selected (typically listed as “Coverage A” or “Dwelling Coverage” on your policy declarations page) and the amount required to rebuild your home. Insuring your home for anything less than 100% insurance to value could mean you wouldn’t have enough coverage to replace your home in the event of a total loss


    Why is the cost to rebuild different from the market value?

    A home’s market value reflects current economic conditions, taxes, school districts, the value of the land and location, and other factors unrelated to construction cost. The cost to rebuild your home is based only on the cost of materials and labor in your area. It is important that you insure your home based on its reconstruction cost, NOT its current market value


    Why is reconstruction more expensive than new construction?

    New-home builders typically build many homes at once, and solicit bids from various sub-contractors to receive the best pricing. Their business model is based on economies of scale. For example, they may purchase 20 bathtubs at once, securing a lower unit cost. These economies of scale don’t exist when building a single home.

      

    How can I make sure I have the correct amount of insurance?

    Work with your agent to provide detailed information at time of purchase to be sure that you receive a thorough and accurate quote.

    Ask us about additional coverage options that may be available.

    Review your insurance to value calculation on a regular basis with your agent.  Tell your agent about any changes or improvements that you make to your home.  


    Review my current coverage
    jewelry coverage

    Did You Know?

    Many home policies provide limits for certain personal possessions ($1,500 to $2,500 for your jewelry, $200 to $2,000 for coin collections, etc).  In the event of a covered loss, would your current policy allow you to replace your lost, stolen or damaged items?  Ask us about how to properly insure your valuable items.  At this special time of the year, keep this in mind if you acquire new jewelry items that may exceed these limits.

    Find Out If You're Covered

    Ready for winter driving?

    During the winter months, make sure you take the extra steps to be prepared for possible bad weather on the road.  These include:

         

         * Have your vehicle serviced and prepared for the winter months

         * Have a roadside safety kit in your vehicle in the event you break 

            down on the road (reflectors, flares, shovel, etc)

         * Keep an extra set of warm clothes, gloves, coat, hat in your vehicle

     This is a good time of the year to also review your current coverages - make sure you have sufficient towing/road service should you need it.

    pets, dogs, cats

    Dogs and Umbrella Insurance

    Love Bites—Get Umbrella Coverage

    In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered? 


    Unfortunately, we live in a world of lawsuits. Large damages can be awarded, be extremely expensive and have long-term financial impact. Those lawsuits can come from unlikely sources, such as our furry friends.

    Take Herschel for instance. Herschel is a much-loved, rather timid golden retriever who enjoys taking naps on the driveway while his owner mows the lawn.

     

    Herschel watched from eight feet away as his neighbor, a 39 year old man, showed off his rollerblading skills to his kids. The man wiped out on the sidewalk in front of Herschel’s house and broke his leg. He required surgery, costing around $35,000 in medical costs and $18,000 in lost wages.


    Fair or not, the man brought a lawsuit against Herschel’s owner, suing for $220,000 in damages. He alleged that Herschel had caused the accident by getting in his way, despite multiple witnesses to the contrary.   But Herschel’s owner was lucky--a jury vindicated Herschel. However, lawsuits such as these can easily exceed the limits on a homeowner’s policy, leaving the insured responsible for the remainder. An umbrella policy would prevent that, giving you an extra $1 million to $5 million in coverage.

    Our furry friends can put your assets at risk in other ways as well. According to the Center for Disease Control and Prevention, 4.7 million people are bitten by dogs each year, with half of those occurring on the owner’s property. Dog bites, according to the Insurance Information Institute, account for about a third of all homeowner’s insurance claims, which only cover limited damages.


    Protect what you love. Call us to talk about your umbrella options.  

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    Call us direct at 888-423-5349 or fill out the form with any questions you have about finding the coverage that's right for you!

    TIMBER CREEK INSURANCE SERVICES

    Box 2295 Decatur, Illinois 62524-2295

    Phone: 888-423-5349 Email: Info@TimberCreekIns.com

    Open today

    08:00 am – 05:00 pm

    Monday - Friday: 8am - 5pm

    Saturday: 8am - 12pm

    Sunday: Closed

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