Frequently Asked Questions

Here, we try to answer some of our current and prospective customers' most frequently asked general questions about insurance. If we don't answer your question or you need more information, give us a call or email us.

Q: What do I do if I have a claim?

A: First off, don't panic. The experienced, compassionate agents with Unland are here to help you through this as efficiently as possible. Call to report your claim during normal business hours (8:00-5 p.m. Mon.-Fri.).  Claims must be submitted via phone. Email contact will not constitute as notice of a claim. If you need to report a claim after business hours, please contact your carrier's 24-hour claims service.

Q: Why do I need insurance, anyway?

A: For starters, some types of insurance, such as vehicle insurance and homeowners insurance, are required by state law or by institutions such as your mortgage company.

You need insurance to protect yourself and your family against the things in life for which you cannot prepare or prevent: theft, severe weather damage, car accidents, unemployment, health problems, even death. Contact an agent to help determine how much coverage you need.

Q: How is the cost of insurance determined?

AUTO INSURANCE

  • Type of car
  • Age of driver(s)
  • Location of home and length of commute
  • Driving and claims history

HOME/PROPERTY INSURANCE

  • Building age and type
  • Claims history
  • Renovations
  • Heating system type
  • Roof type and age
  • Foundation condition

HEALTH INSURANCE

  • Age
  • Overall health
  • Risky behaviors
  • Prior medical treatments
  • Prescriptions

Q: Are there ways of getting my insurance costs down?

A: We offer discounts and premium reductions for reasons such as multiple policies, a good driving record, high student grades (high school through one year post-college), membership in certain organizations and a high credit score.

Unland Home Office: 2211 Broadway, Pekin, IL 61554 | 309.347.2177or 800.747-3241|  Citizens Insurance: 127 S. Side Square  Macomb, Illinois 61455 | (309) 837-0609
Winter Insurance: 201 Clock Tower Drive, East Peoria, IL 61611 | (309) 699-3938 | An Affiliate of Your Hometown Community Banks
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