Clemens & Associates, Inc.
2806 E. Empire St, Bloomington, IL 61704
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2806 E. Empire St, Bloomington, IL 61704
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12 Westport Ct, STE C, Bloomington, IL 61704
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2416 E Washington St, Bloomington, IL 61704
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501A S Towanda Barnes Rd, Ste 3, Bloomington, IL 61705
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304 S Eldorado Rd, Ste 1, Bloomington, IL 61704
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Learn about insurance coverage options specific to Bloomington residents.
Complete Bloomington, IL insurance guide covering auto, home, and local agents. Learn about rising rates, weather risks, and State Farm's hometown advantage.
General Insurance EducationComplete guide to auto, home, and renters insurance in Bloomington, Indiana. Learn requirements, costs, and savings tips for IU students and residents.
Home InsuranceBloomington home insurance costs $722-$1,308/year. Learn about karst terrain risks, tornado coverage, and student rental insurance in Monroe County.
Home InsuranceNavigate Bloomington's rising insurance costs and tornado risks. Learn what coverage you need for historic and new homes in McLean County, plus money-saving tips.
Car InsuranceComplete guide to auto insurance in Bloomington, Indiana. Learn about 25/50/25 minimums, at-fault coverage, IU student rates, and local driving risks.
Car InsuranceComplete guide to Bloomington auto insurance: Illinois' 25/50/20 requirements, at-fault system, I-55/I-74 risks, and how State Farm's HQ affects rates.
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.
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