Angell & Company
101 S Allen St, Centralia, MO 65240
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Centralia 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.
101 S Allen St, Centralia, MO 65240
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Centralia residents.
Centralia home insurance costs $2,225-$3,114/year. Learn about tornado coverage, rising rates, and savings tips for this affordable southern Illinois city.
Illinois requires all drivers to carry liability insurance with minimum limits of 25/50/20 ($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 25/50 limits. These minimums apply throughout Illinois, including Centralia. While these limits meet legal requirements, many experts recommend higher coverage amounts for better financial protection in serious accidents.
Homeowners insurance in southern Illinois, including Centralia, typically costs between $2,402 and $2,736 annually for $300,000 to $350,000 in dwelling coverage. This is about 16% higher than the national average. Rates have risen significantly—up 18.5% in 2023 and 14% in 2024—due to increased severe weather events and rising rebuilding costs. Your actual premium depends on your specific property, coverage amounts, deductible, and insurer.
Flood insurance deserves serious consideration in Centralia, especially given the risk of flash floods from slow-moving thunderstorms that are most common in mid to late summer. Standard homeowners insurance policies don't cover flood damage at all. You can purchase flood insurance through the National Flood Insurance Program (NFIP) or private insurers, with typical policies costing around $700 annually depending on your flood zone and coverage amount.
Yes, standard homeowners insurance policies cover wind and hail damage from tornadoes. This is important in Centralia since Illinois experiences 50 to 60 tornadoes annually, with peak activity between April and June. Make sure your dwelling coverage amount reflects current rebuilding costs rather than your home's market value. However, remember that tornado-related flooding requires separate flood insurance—windstorm coverage doesn't include flood damage.
Local agents in Centralia offer valuable advantages, including understanding specific regional risks like tornado season and local building codes. Centralia has multiple options including State Farm captive agents and independent agencies that compare multiple carriers. Local agents can recommend appropriate coverage amounts for your neighborhood and help navigate claims. While online options may seem convenient, a local agent who knows Centralia's unique conditions can ensure you're properly protected.
The most effective way to save is bundling your auto and home policies with the same carrier, which typically offers 15% to 25% discounts. Also ask about good student discounts, defensive driving credits, multi-vehicle discounts, and claims-free discounts. Raising your deductible from $500 to $1,000 can save 10% to 15% on premiums, but only do this if you can afford the higher out-of-pocket cost. Finally, compare quotes from multiple local agents annually to ensure you're getting competitive rates.
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