Benefit Plans Plus, LLC
1254 University Drive, Ste 110, Edwardsville, IL 62025
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Edwardsville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1254 University Drive, Ste 110, Edwardsville, IL 62025
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60 S Highway 157 Ste D-2, Edwardsville, IL 62025
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231 N Main St, Ste 7, Edwardsville, IL 62025
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Learn about insurance coverage options specific to Edwardsville residents.
Get the complete guide to auto, home, and renters insurance in Edwardsville, Illinois. Learn about rates, local agents, and coverage requirements.
Home InsuranceEdwardsville home insurance guide: tornado coverage, rising costs, SIUE rental property needs, and tips to save on your policy in Madison County.
Illinois requires 25/50/20 liability coverage ($25,000 per person for bodily injury, $50,000 per accident, and $20,000 for property damage) plus uninsured motorist coverage with 25/50 limits. However, these minimums often aren't enough to fully protect you in a serious accident, and most local agents recommend at least 100/300/100 coverage if you own a home or have significant assets.
Illinois homeowners pay an average of $3,114 annually for coverage, though your actual rate in Edwardsville depends on your home's age, location, and construction. Madison County rates can vary based on proximity to the Mississippi River and local fire protection ratings. Costs have increased nearly 50% since 2021, making it crucial to shop around regularly.
While not legally required, renters insurance is highly recommended for students and renters in Edwardsville. For $15-25 per month, you get liability protection (crucial if someone is injured in your apartment) plus coverage for your belongings against theft, fire, and other perils. Your landlord's insurance only covers the building structure, not your personal property or liability.
Independent agents in Edwardsville can compare quotes from multiple carriers simultaneously, often saving you time and money. They also understand Madison County-specific risks and provide local, personalized service when you need to file a claim. Comparing at least three quotes—whether through independent agents or direct carriers—is the best way to ensure you're getting competitive rates.
Illinois has seen dramatic rate increases due to several factors: the state ranks fifth nationally for auto theft, about 16% of drivers are uninsured, and severe weather has driven up homeowners claims. Auto insurance premiums statewide have jumped 28% recently, while home insurance costs have increased nearly 50% over three years. Shopping around and maximizing discounts is more important than ever.
Most of Edwardsville isn't in a high-risk flood zone, but properties near waterways or in Madison County's lower-lying areas may need separate flood insurance. Standard homeowners policies don't cover flood damage, and you can't buy coverage once water is already rising. Check FEMA's flood maps for your specific address and consult with a local agent about your risk level.
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