M Robertshaw Insurance Agency
1122 13th Street, Aurora, NE 68818
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Aurora 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.
1122 13th Street, Aurora, NE 68818
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Aurora residents.
Aurora home insurance averages $3,152/year due to hail and wildfire risks. Learn how impact-resistant roofing saves 10-28% on premiums.
Aurora drivers pay an average of $1,476 per year for full coverage auto insurance, or about $123 per month. This is significantly below the national average of $1,895 annually. Minimum coverage costs around $482 per year. Your actual rate depends on factors like your age, driving record, vehicle type, and neighborhood.
If you live near the Fox River or in a FEMA-designated flood zone, your mortgage lender will likely require flood insurance. Even outside high-risk zones, flood insurance is worth considering since about 25% of flood claims come from moderate or low-risk areas. Heavy storms can overwhelm Aurora's drainage systems, causing basement flooding anywhere in the city.
Illinois requires 25/50/20 liability coverage: $25,000 per person for bodily injury, $50,000 total per accident for injuries, and $20,000 for property damage. You must also carry uninsured motorist coverage with 25/50 limits. These minimums may not provide adequate protection in serious accidents, so many drivers choose higher limits.
Illinois homeowners insurance rates have increased 50% since 2021 due to severe weather claims from tornadoes, hail, wind damage, and winter storms. Insurance companies are paying out more in claims and adjusting rates accordingly. Some major carriers like State Farm raised rates by 27.2% in 2025 alone, reflecting the challenging market conditions.
Yes, bundling typically saves 15-25% on your total premiums. Since Aurora is noted as an area where both auto and home insurance run higher than surrounding communities, bundling can save you $600 to $1,000 annually. It also simplifies your insurance management with one company handling multiple policies.
Get quotes from at least three to five companies, including Aurora's local agencies and online carriers. Rates vary significantly—Auto Club Group (AAA) offers Aurora's lowest full coverage at $1,017 annually while other carriers charge much more. Compare coverage levels, not just price, and ask about bundling discounts and claims service quality.
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