Frequently Asked Questions

Warren Insurance Agency serves all of Illinois and Indiana.

We have provided some questions we are frequently asked about home, health, life, auto and property insurance. Please feel free to send us your insurance question and we will make every effort to answer it on this page.

Q. When I buy a new car, does the dealer notify the insurance company?

A. No. The auto dealer will ask for your insurance information. However in most instances, they do not notify our agency of the changes to your policy. Whenever you purchase or sell a vehicle, it is always necessary to contact our agency to certify coverage. Ultimately, it is the responsibility of the policy holder to report all changes.

Q. Is jewelry automatically covered on my homeowner policy?

A. Yes, most standard homeowner policies will cover up to a certain limit, usually $2,000. However, if you have an item valued at more than the maximum policy limit, you should schedule this item on your policy. This requires a phone call to our agency and a current appraisal.

Q. I've heard that my credit affects my insurance rates. Is that true?

A. Yes, and "most" clients do receive additional discounts because of their good credit.

Q. For questions, changes or claims do I need to speak to the agent that assisted me in starting my policy?

A. No. Our Customer Service Representatives can answer any question you may have. They are trained to know policy coverage's. They can process policy changes, and provide quotes. Our CSR's are licensed insurance agents.

Q. I just finished my basement. I would like to get sump-pump water back up coverage. What limits of coverage are available?

A. Depending on your policy type, you can attain coverage in the following amounts:

2,500
5,000
10,000

Q. What is Ordinance or Law coverage and do I need it?

A. Ordinance or Law Coverage provides additional coverage to comply with current local building ordinance requirements. At the time of reconstruction of your home do to a covered loss this coverage will provide a percentage of coverage if your local building requirements have changed since your home was originally built.   This typically occurs in homes over 20 years old.