618-667-9119
800-637-5088
420 W US Highway 40
Troy Illinois 62294

Personal Insurance

Personal Insurance

Auto. Home. Personal Insurance.

Personal insurance is a key component of a good financial plan. The right coverage can help safeguard your assets from loss, damages and lawsuits when the unexpected happens. At Jim Lyons Insurance Agency we can help you create an affordable policy for your home, car, recreation vehicles, medical and your life that provides financial security and gives you and your family peace of mind.

Auto - Recreation Vehicles - Motorcycles

1. Liability section covers for injury to others. It also includes medical for people in your car.

2. The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from hail, fire, theft glass, breakage or other perils; collision coverage pays to repair losses caused by an accident.

3. Optional coverages car rental, gap and other coverages.

4. Discounts available on the auto and the home if both insured.

Homeowners Insurance

1. Homeowners insurance is a package policy. This means that it covers your home and your standard contents (special coverage available for jewelry, guns, collectibles and special items) coverage to pay your rent if you cannot live in the home because of a covered claim.

2. Includes liability to protect you and your family from legal liability claims.

3. Medical coverage for non-residents of the home that may be hurt on your property.

4. Earthquake coverage is not covered in standard policy but can be added by endorsement.

5. Flood insurance is a separate policy that we can write if you need this coverage.

Renters Insurance

1. This policy covers your standard personal property.

2. Special coverage available for jewelry, guns, collectibles and special items.

3. Coverage to pay your rent if you cannot live in the home or apartment because of a covered claim.

4. Includes liability to protect you and your family from legal liability claims.

5. Medical coverage for non-residents of the home that may be hurt on your in your or apartment.

Discounts available on the auto and the home, if we insure both.

Boats and Watercraft Insurance

Boat and watercraft insurance is available for:

  • Bass Boats

  • Yachts

  • High performance boats

  • Pontoons

  • Sail Boats

  • Jet Skis

  • Wave runners

  • Other types of watercraft

1. Coverage for the boat:

  • Personal Property

  • Trailer

  • Liability

  • Medical

2. We can write boats standalone or add to home policy.

 

Condominium Insurance

1. Provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas.

2. You are responsible for the interior of your unit. Typically you need personal property and liability coverage in addition to coverage for your floors, walls, cabinets and fixtures that your association’s insurance probably will not cover.

3. Every association’s insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condominium by-laws carefully.

Discounts available on the auto and the home, if both insured. 

Flood

1. Available through the National Flood Insurance Program. 

2. Note that it typically takes 30 days for flood insurance to take effect from the date of purchase.

Call or Email us for more information to see how much we can save you.