Personal Insurance FAQs

You've got questions; We've got the answers. Contact us today to find out more. At Unland, no question is too little, no problem too big.

Q: Can I get a discount if I get my vehicle and homeowners insurance combined?

A. Smart thinking. Unland Insurance can save you more than 30 percent off the total cost if you combine your policies (i.e. have them both through Unland).

Q: When should I buy life insurance?

A: When you get married, when you have a child, when life happens, before life happens. As with any type of insurance, you never know when you will need it, but you can't afford not to have it. Upon your passing, life insurance helps your loved ones pay for things such as funeral expenses, debt, mortgage payments and tuition.

Q: How do I avoid cancellation of my auto insurance policy?

A: Just as you may think: Be the best driver you can be. The most effective way to prevent an insurance company from canceling your policy is to keep your driving record free of accidents, tickets and moving violations.

Q: If I loan my car to a friend or family member, will my car insurance cover them in case of an accident?

A: It will. Liability, comprehensive and collision coverage is connected to your vehicle, not to you. Your vehicle insurance provides the key coverage for injury and damage if someone else is driving the car when a crash occurs.

Q: My son just got his learner's permit. Does he need car insurance to drive?

A: Yes. He'll need to be added to your car insurance policy; the law says all drivers must carry insurance. Once he's 18, he can get his own insurance if you two prefer.

Q: What does a homeowners insurance policy cover?

A: Homeowner policies cover two key areas: property and liability. Property insurance protects your home and your possessions. Personal liability insurance covers any money you must legally pay to someone for actions caused by your property, you or your family members, or your property.

Q: I rent. Doesn't my landlord's insurance provide coverage of my belongings in case of theft or damage?

A: The property owner's insurance only covers the building -- not the tenant's belongings -- in most cases. Renter's insurance is available for as low as $100 per year, a pretty wise investment.

 
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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