Frequently Asked Questions

Here, we try to answer some of our current and prospective customers most frequently asked questions about insurance. Check here for Personal Insurance FAQs, and here for Business Insurance FAQs. 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 a.m. -5:00 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?


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


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


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

Q: Are there ways to reduce my insurance costs?

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.

Need More Information?

The Unland Companies’ knowledgeable and friendly staff is always willing to answer any questions you may have about your insurance needs. Call us at (309)347-2177 or contact us today.