St. Charles Personal Insurance Agents
Webb Insurance is a St. Charles Insurance Broker that has a portfolio of coverage options to help you protect your livelihood and your loved ones. Personal Insurance provides a financial safety net for your family when you need it most: after an unexpected car accident or a serious injury that keeps you out of work for an extended period of time. Put a plan in place today, customized to fit your unique coverage needs, to ensure you can maintain your quality of life and weather any unforeseen expenses.
Types of Personal Insurance
Insure Your Income
Certain types of personal insurance are designed to supplement or replace your income from any unforeseen interruptions, including injury, declining health or loss of a loved one.
- Disability Insurance
- Life Insurance
- Long Term Care Insurance
Insure Your Home
Your home plays an essential role in maintaining your health and well-being – and is likely your most significant investment. Whether you own or rent your living space, it is important to have the right protection in place.
Insure Your Belongings
You work hard to enjoy the luxury items that support your hobbies and interests, and take you around town. Personal Insurance can help you put a plan in place to repair or replace your belongings in the event of any unexpected issues.
- Car Insurance
- Umbrella Liability Insurance
- Boat Insurance
- Recreational Vehicle Insurance
- Classic Car Insurance
- Jewelry Insurance
- Motorcycle & ATV Insurance
Our goal is to help you find the right mix of insurance to fit your lifestyle and your unique needs. For some, a comprehensive plan includes Self Insurance. Self Insurance refers to the concept of setting aside adequate funds to protect your assets from loss or damage, rather than purchasing an insurance policy and making regular premium payments to cover those assets. This is usually a significant amount of money, depending on the category of risk. The team at Webb Insurance will help you “run the numbers” to establish the most effective risk management plan for you.
Personal Insurance Review
Finding the right mix of insurance for your lifestyle and your loved ones is a huge step towards financial freedom – but the journey doesn’t end there. It’s important to do a periodic Personal Insurance Review to ensure your policies cover everything you need them to. A Personal Insurance Review can also help you identify any gaps in your coverage, and give you an opportunity to work with your Webb Insurance Broker to make any changes to your protection.
If you have experienced any of life’s significant milestones, such as getting married or having a new baby, it is likely that your insurance needs have changed. The difference between the policy you purchased months or years ago and the policy you would need as a result of your new life event are referred to as a “coverage gap.” Coverage gaps can also be created by less significant life events, such as renovating your kitchen or purchasing a new home security system. Consider these events discovered in a Personal Insurance Review that could create a gap in your current coverage:
For Your Income
- Your spouse transitioned to being a full-time, stay-at-home parent. Now, your income is the sole source of income.
- Your child recently had a baby, and you would like to set up a college fund for your grandchild.
- You received a big promotion at work, which included a generous raise.
For Your Home
- You have recently completed renovations that increased the value of your home.
- You moved to a new apartment on the other side of town.
- You added a pool to your backyard.
For Your Belongings
- Your savings have grown, and you’d like a car insurance policy with a lower premium and a higher deductible.
- You purchased a boat, and would like to combine coverage with your home and automobile.
- You just got engaged, and have a new ring that would be irreplaceable.
Selecting the Best Personal Insurance Plan
Selecting the right Personal Insurance for your unique needs may involve a mix of insurance policies and different levels of coverage. At Webb Insurance, your broker will work with you to set up the protection you need, that fits your budget and your lifestyle. We’ll start by helping you inventory your assets and conduct your own customized Personal Insurance Review. Then, we will review your financial goals and discuss different strategies to help you get there. Once we’ve identified an appropriate Personal Insurance Plan, we’ll search within our independent network of insurance companies to identify any potential discounts and secure the best pricing for you.
Ready to start setting up your Personal Insurance Plan?