Main Essentials Insurance
18551 Santa Ana Ave, Bloomington, CA 92316
View this agency's profile to learn more about their services.
Loading...
City directory
Bloomington households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
18551 Santa Ana Ave, Bloomington, CA 92316
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Bloomington residents.
Complete guide to auto, home, and renters insurance in Bloomington, Indiana. Learn requirements, costs, and savings tips for IU students and residents.
Illinois requires $25,000 per person and $50,000 per accident in bodily injury liability, plus $20,000 in property damage liability. You must also carry uninsured motorist coverage at the same 25/50 limits. These minimums are higher than many states, but experts recommend increasing liability limits to 100/300/100 if you have assets to protect.
Illinois has experienced severe weather losses exceeding insurers' catastrophe provisions in 13 of the last 15 years. The state has more hail damage than any state except Texas, with average hail claims reaching $13,750. State Farm raised rates 27% and Allstate nearly 9% in 2025 to cover these mounting losses.
Flash flooding can happen anywhere during severe thunderstorms, and standard homeowners policies don't cover flood damage. If heavy rains cause your basement to flood or overwhelm local drainage, you'll pay out of pocket without flood insurance. Talk to your agent about federally backed flood coverage, which is surprisingly affordable outside high-risk zones.
Absolutely, if your car is worth more than a few thousand dollars. Illinois ranks 3rd nationally for hail insurance claims, with about 24,000 claims yearly averaging $13,750 each. Comprehensive coverage protects against hail, storm damage, theft, and vandalism—common risks in central Illinois.
Local agents understand McLean County weather patterns, know which neighborhoods have higher claims rates, and can explain coverage in plain English. Many Bloomington agents are second or third generation, with decades of experience serving local families. They can find discounts and coverage options you might not discover on your own.
Bundle auto and home policies for 15-25% discounts, raise deductibles if you have emergency savings, and ask about discounts for security systems, claims-free history, and good credit. Illinois insurers use credit-based insurance scores, so maintaining good credit directly lowers your premiums. Shopping around every few years also helps you find better rates.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network