AUTO INSURANCE

In today’s world  traffic accidents are very common.  Whether it be a simple fender-bender  or a major crash you need to make sure you have the correct coverage.  Costs of severe accident can quickly add up so it is important to keep  coverage limits in your mind.  Should you not have enough coverage to  cover an accident you will have to pay for the extra expenses out of  your own pocket, which can cause major financial damage. .  Associated  Insurance Counselors can help you be prepared for those costs.  

Primary types of auto insurance coverage

  • Liability Insurance: covers the costs that are involved with an accident you have caused.  It includes
  • Bodily Injury Coverage: pays for injuries of others in an accident
  • Property Damage Coverage: pays for damage to another person’s property in an accident
  • Collision: protects against damage to the automobile caused by any type of collision.
  • Comprehensive:  protects you against all losses to the insured vehicle except when caused by collision or other excluded perils.


There are other coverages you can add to the primary types to help protect you, including

  • Medical Payments: coverage generally pays for medical costs after you  or others in your vehicle are hurt in a car accident
  • Roadside  Service: coverage provides emergency roadside assistance if your  vehicle becomes disabled. This assistance may include towing, tire  repair, fuel delivery, battery jump starts, lock outs, and minor  repairs. 
  • Glass Protection: coverage will waive the deductible for repair or replacement of damaged safety glass.
  • To learn more about all the different auto insurance coverages and please contact us.


Don’t forget to ask us about possible discounts on your policy.  
Good Student Discount
Association Discount
Multi-Policy Discounts


REQUEST A FREE QUOTE NOW BY CALLING 1-800-688-9854 OR FILLING OUT OUR ONLINE FORM.

PROVIDERS WE WORK WITH:

  • Auto-Owners Insurance
  • Grinnell Mutual Insurance
  • Hagerty Insurance
  • Pekin Insurance
  • Progressive Insurance
  • West Bend Insurance

WE CAN ALSO HELP WITH:

  • Motorcycle Insurance
  • Boat Insurance
  • RV Insurance
  • ATV Insurance
  • Snowmobile Insurance
  • Trailer Insurance
  • Umbrella Insurance

LIFE & ANNUITY INSURANCE

Life Insurance,  disability insurance, long term care insurance and annuities are all  about making sure your loved ones are protected. Associated Insurance  Counselors can help you decide the proper product and amount of coverage  you need to make sure you and your family are taken care of in the  future. 

​Life Insurance

  • Term Life Insurance
  • Whole Life/Permanent Life Insurance
  • Universal Life Insurance​


DISABILITY INSURANCE

  • Short Term Disability Insurance
  • Long Term Disability Insurance

LONG TERM CARE INSURANCE

  • ​Traditional
  • Combination 


ANNUITIES

  • Deferred
  • Immediate

Let us help you plan for the future.


REQUEST A FREE QUOTE NOW BY CALLING 1-800-688-9854 OR FILLING OUT OUR ONLINE FORM.

PROVIDERS WE WORK WITH:

  • Auto-Owners Insurance
  • Pekin Insurance
  • Illinois Mutual Life

WE CAN ALSO HELP WITH:

  • Retirement Plans
  • College Savings Plans

HOME & PROPERTY INSURANCE

Severe weather,  crime and accidents are part of life, and eventually every home will  experience some sort of loss or damage.  Since we can't predict the  future it is in your best interest to make sure you protect yourself  financially.  There are a lot of different ways to keep you and your  house safe if anything might happen. At Associated Insurance Counselors  we can help you create a custom package that fits your needs and makes  sure you are protected.  

Home  Insurance Coverages

  • Section I Coverage – Property
    • Coverage A – Dwelling: covers damage to house
    • Coverage B – Other Structures: covers damage to other structures, such as shed or detached garage
    • Coverage C – Personal Property: covers damage to contents of your house
    • Coverage D – Loss of Use: covers additional living expenses should you not be able to live in your home
  • Section II Coverage – Liability
    • Coverage E – Personal Liability: covers damages should you be found legally liable in a loss, follows you wherever you go. 
    • Coverage F – Medical Payments to Others: covers medical expenses should someone other than insured get injured on your property


Other Coverages Available

  • Replacement Cost: coverage that ensures you will get the actual cost to replace an item at
  • Water  Backup and Sump Overflow Coverage: coverage for water which backs up  through sewers or drains or which overflows from a sump and which is not  caused by the negligence of any insured or concurrently with a flood.
  • Business Property: coverage forms provide a basic limit for business property on the residence premises.
  • Home  Computer Coverage: coverage against risks of direct physical loss,  unless specifically excluded, for a home computer or a lap top computer  that is used for personal and incidental business use.
  • Scheduled  Personal Property: protects high-value items to their full value should  a claim happen, i.e. jewelry or collectible items

There  are more additional coverages available then what is listed above.   Please contact Associated Insurance Counselors to make sure your policy  isn't missing the protection you need. 


REQUEST A FREE QUOTE NOW BY CALLING 1-800-688-9854 OR FILLING OUT OUR ONLINE FORM.

PROVIDERS WE WORK WITH:

  • Auto-Owners Insurance
  • American Modern Insurance
  • Eastern Iowa Mutual Insruance
  • ​​Heritage Mutual Insurance
  • Pekin Insurance
  • Progressive Insurance
  • West Bend Mutual Insurance

WE CAN ALSO HELP WITH:

  • Farm & Land Insurance
  • Condo Insurance
  • Renters Insurance
  • Umbrella Insurance
  • Flood Insurance

BUSINESS INSURANCE

Every business  faces risks including property damage, liability, fraud, cyber-crimes  and much more. Associated Insurance Counselors can help determine the  risks your business might face and make sure you have the right  protection.  Associated Insurance Counselors helps insure a variety of  businesses, both large and small, so be sure to give us a call to see  how we can help you.
Business Insurance can be complex and the  experienced team at Associated Insurance Counselors can help you  understand the coverage you need.

Commercial Coverages 

  • Property insurance 
  • Liability insurance 
  • Business Auto
  • Workers' Compensation 
  • Crime
  • Business Umbrella
  • E&O (Errors and Omissions)


Associated  Insurance Counselors helps insure a variety of businesses, both large  and small, so be sure to give us a call to see how we can help you. 


REQUEST A FREE QUOTE NOW BY CALLING 1-800-688-9854 OR FILLING OUT OUR ONLINE FORM.

PROVIDERS WE WORK WITH:

  • Auto-Owners Insurance
  • Continental Western Insurance
  • Grinnell Mutual Insurance
  • ​Pekin Insurance
  • West Bend Mutual Insurance

WE CAN ALSO HELP WITH:

  • Restaurants
  • Salons
  • Construction
  • Contractors
  • Retail
  • Law Firms
  • Rental Properties
  • Daycares
  • Special Events
  • Farming
  • Telephone/Telecommunications
  • Grain Elevators
  • And much more

HEALTH INSURANCE

Nobody ever plans  to be sick or injured but unfortunately at some point you will need  medical care. That is why it is crucial to make sure you have proper  Health Insurance to help cover these costs and protect you from a  financial loss. 

Associated Insurance Counselors can help you with:

​​Individual & Family Plans

  • HMO: Health Maintenance Organization
  • PPO: Preferred Provider Organization
  • POS: Point-of-Service Plan
  • HSA: Health Savings Account
  • Short Term Health
  • Dental Insurance


Medicare Plans

  • Medicare Supplement
  • Part D

Employer Group Plans

  • Small Business Group Plans: 1-50 employees
  • Mid-Size Group Plans: 51-100 employees
  • Fully Insured 101+ Plans
  • Self-Funded 101+ Plans

Healthcare Marketplace

  • Subsidized Health Insurance


There  are many different types of Health Insurance policies out there so let  Associated Insurance Counselors help you find what fits your needs.


REQUEST A FREE QUOTE NOW BY CALLING 1-800-688-9854 OR FILLING OUT OUR ONLINE FORM.

PROVIDERS WE WORK WITH:

  • Medical Associates
  • Medica
  • Medicare Blue RX
  • Medicare Blue Supplement
  • SilverScript​
  • Wellmark Blue Cross Blue Shield of Iowa​
  • United Healthcare

WE CAN ALSO HELP WITH:

  • Term Life Insurance
  • ​Whole Life Insurance
  • Universal Life Insurance
  • Children's Life Insurance
  • Long Term Care Insurance
  • Disability Insurance

FARM & AG INSURANCE

Associated Insurance Counselors can help you several specialty agriculture products.  ​

​​​​Specialty Ag products:


  • Grain Farms
  • Livestock Farms
  • Confinement Facility for Hogs, Cattle, Dairy, and poultry including Suffocation
  • Dairy including contamination
  • Custom Grain Farming
  • Equine (Horse) including stabling for others
  • Custom spraying for others
  • Trucking – grain and livestock
  • Replacement cost on key farm buildings
  • Business interruption coverage for loss of income
  • Equipment breakdown coverage
  • Grain facility coverage
  • Manure custom hauling for others
  • Mortality (Life Insurance) coverage for livestock
  • Collector coverage for antique farm equipment
  • Ag entertainment coverage for on farm events
  • Coverage for retail sales of products
  • Workers Compensation for farm employees
  • Group Health for Farmers
  • Acreage or Hobby Farms
  • Hunting protection


REQUEST A FREE QUOTE NOW BY CALLING 1-800-688-9854 OR FILLING OUT OUR ONLINE FORM.

PROVIDERS WE WORK WITH:

  • Auto-Owners Insurance
  • Chubb's (Formally Rain & Hail Agri Business)
  • Eastern Iowa Mutual
  • Grinnell Mutual Insurance
  • Heritage Mutual Insurance Company
  • ​Walcott Mutual Insurance Company