Arrow Insurance Specialists
3 Junction Dr. W, Ste A, Glen Carbon, IL 62024
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Glen Carbon 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.
3 Junction Dr. W, Ste A, Glen Carbon, IL 62024
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2220 S State Route 157, Ste E, Glen Carbon, IL 62034
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2220 S State Rte 157, Ste 200, Glen Carbon, IL 62034
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2246 S State Rte 157, Suite 200, Glen Carbon, IL 62034
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2246 S State Route 157, Suite 200, Glen Carbon, IL 62034
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Glen Carbon residents.
Complete guide to Glen Carbon, Illinois insurance requirements, costs, and local agents. Learn about auto, home, flood, and earthquake coverage in Madison County.
Home InsuranceGlen Carbon home insurance guide: tornado coverage, rates for newer homes, liability limits, and flood protection. Get the right coverage for Metro East living.
Car InsuranceComplete guide to Glen Carbon auto insurance. Learn Illinois 25/50/20 minimums, at-fault laws, I-270 risks, and average costs. Compare quotes today.
Illinois runs an electronic verification system that checks your policy twice a year. If your coverage lapses, you'll receive a notice and face possible registration suspension. First-time offenders caught driving uninsured typically pay a $500 fine, while second offenses with suspended plates jump to $1,000 plus a $100 reinstatement fee.
Madison County is designated as earthquake-susceptible due to the New Madrid Seismic Zone. Standard home insurance doesn't cover earthquake damage, so you need a separate policy from private insurers. While major quakes are infrequent, seismologists indicate the region is overdue for significant activity, making it worth considering.
Glen Carbon has FEMA zone D designation with very low flood risk, so flood insurance isn't mandatory. However, 25% of flood insurance claims come from outside high-risk zones, and Illinois averages $700 million in annual flood damages. Policies in low-risk areas can cost less than $500 annually and take 30 days to activate, so many experts recommend coverage despite the low risk.
Mine subsidence coverage protects your home's foundation from damage caused by underground mine collapse. Madison County insurers must offer this coverage due to Southern Illinois's mining history. Whether you need it depends on your property's specific location and risk profile, which your local agent can help assess.
Bundling auto and home insurance with the same carrier typically saves 15-25% on your premiums. Given that Illinois auto insurance averages $1,998 annually and home insurance ranges from $1,033 to $3,062, bundling could save you several hundred dollars per year while simplifying your coverage management.
Get quotes from at least three agents and compare not just price but also claims service reputation, policy flexibility, and availability. Ask about their experience with Madison County-specific risks like mine subsidence and earthquake coverage. A slightly higher premium with responsive service and strong claims support often provides better value than the cheapest quote.
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