Contact Holmes Murphy And Associates LLC for all your home, auto, business and renters insurance in Peoria, IL (2024)

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SPEAKER: Choice. It's something we take for granted. The ability to determine what's best for us-- our needs, our life, our choice. In fact, choice is something we as Americans can't even imagine doing without. And yet when it comes to something as important as protecting ourselves, our property, our family, some people surrender choice without even knowing it. Because they don't choose an independent insurance agent. You see, some insurance agents work for only one company, so they can't offer you a choice of brands and policies. But independent agents aren't held captive by one company. They're free to tailor solutions to fit you, your needs, your life, to help you make the choices that are right for you. If you ever need to file a claim, your independent agent can help you through the process. And as life changes, you can even count on your independent agent to help you update your choices. Those are just a few of the reasons choosing an independent insurance agent is such a good choice. See the difference for yourself.

Car insurance is designed to protect you and everyone who shares the road from the potentially high cost of accident-related and other damages or injuries. It is a contract in which you pay a certain amount — or “premium” — to your insurance company in exchange for a set of coverages you select. A basic car insurance policy is required for drivers in most states, although the mandatory minimum coverage and policy limits will vary. If you finance or lease your vehicle, your lender may also require specific car insurance coverages and limits. Beyond legal requirements, carrying car insurance is a smart decision. If you cause an accident or get into one with an uninsured or underinsured driver, you may be held responsible to cover related expenses, such as car repairs, property damage, medical bills, lost wages, legal fees and more. Without the proper coverage, your financial well-being may be at risk. Working with an insurance representative to create a car insurance policy that addresses your individual needs and budget can protect you, your loved ones and your assets in the aftermath of an accident.

Savings! Bundling your car and home with Travelers can save you up to 15% on your home insurance. You can see additional savings when you purchase other policies like boat, umbrella insurance or a personal articles floater. Ask about ourMulti-Policy Discount.

Starting your own business means taking on some degree of risk. As a business owner, you already have the passion and drive to take on new challenges, but you'll also need to protect the value of the assets you purchase for your company. Insurance can help you recover when things go wrong. From property losses related to items such as fire or theft, to liability issues should someone sue – or threaten to. With the proper policies in place, you'll gain peace of mind and feel more comfortable in your new role as an entrepreneur.

The cost of insurance is based on a range of factors including the following:
·The value of the company assets you wish to insure.
·Number of employees.
·Specific risks associated with your industry.
·Your personal risk tolerance and the amount of liability protection you prefer.