A.r.c. Insurance & Financial Services, Inc.
411 Fifth St, Peru, IL 61354
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Peru households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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411 Fifth St, Peru, IL 61354
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2204 4th St, Peru, IL 61354
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2327 4th Street, Peru, IL 61354
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910 Shooting Park Rd, Peru, IL 61354
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Learn about insurance coverage options specific to Peru residents.
If your property is near the Illinois River or downstream from Starved Rock, flood insurance is highly recommended. The river regularly exceeds flood stage and can rise 10 feet in just days, and ice jams can cause sudden winter flooding. Standard homeowners policies exclude flood damage, so you'll need a separate flood policy through the National Flood Insurance Program or a private insurer.
Illinois requires 25/50/20 liability coverage: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. You must also carry uninsured motorist coverage at the same 25/50 limits. However, these minimums often aren't enough to cover serious accidents, so many drivers opt for higher limits like 100/300/100.
Illinois drivers pay an average of $173 per month ($2,076 annually) for full coverage auto insurance in 2026. Rates vary based on your driving record, age, vehicle type, and coverage limits. Minimum coverage policies average around $64 per month. Many insurers are reducing rates in 2026, with some State Farm customers seeing decreases up to 15%.
Illinois insurers paid out $1.26 for every dollar of premium collected in recent years due to severe weather claims. The state ranked second nationally for hail damage in 2024, and wind, hail, and tornado claims are rising. As a result, major carriers like Allstate are increasing rates by 5-10% in 2026 to cover these losses.
Local agents offer personalized service and deep knowledge of LaSalle County-specific risks like Illinois River flooding and winter weather. Independent agents can compare quotes across multiple carriers, saving you time. However, online insurers sometimes offer lower rates for straightforward situations. Consider getting quotes from both to compare pricing and service levels.
Common discounts include bundling auto and home insurance (15-25% savings), safe driver discounts, multi-car discounts, good student discounts for teens, discounts for anti-theft devices and monitored security systems, and loyalty discounts. Ask your agent about all available discounts—some require you to request them rather than being automatically applied.
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