The top-rated flood insurance agent in Champaign, Illinois is Kurt Lenschow - State Farm Insurance Agent, rated 5.0 stars across 554 reviews. Other highly rated options include John Caywood - State Farm Insurance Agent, Steve Tarrant - State Farm Insurance Agent, Anna Schappaugh - State Farm Insurance Agent. This directory lists 24 flood insurance agents serving Champaign.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Kurt Lenschow - State Farm Insurance Agent | 2309 Village Green Pl c | (217) 352-1411 |
| 2 | John Caywood - State Farm Insurance Agent | 501 E University Ave Suite 1 | (217) 367-1105 |
| 3 | Steve Tarrant - State Farm Insurance Agent | 106 W Springfield Ave | (217) 352-1188 |
| 4 | Anna Schappaugh - State Farm Insurance Agent | 2500 Galen Dr UNIT 6 | (217) 239-4282 |
| 5 | Brya Insurance | 2002 S Neil St | (217) 355-5555 |
| 6 | Marcy McAnally - State Farm Insurance Agent | 900 S Mattis Ave Ste A | (217) 356-2722 |
| 7 | Tom Cox - State Farm Insurance Agent | 2108 W Springfield Ave #2 | (217) 352-7651 |
| 8 | Prairieland Insurance Group, LLC | 2009 Fox Dr # M | (217) 352-9000 |
| 9 | Hall Insurance Services | 711 S Neil St | (217) 352-8833 |
| 10 | Dustin Hiser: Allstate Insurance | 604 S Neil St STE 104 | (217) 359-0232 |
Kurt Lenschow - State Farm Insurance Agent serves the Champaign, Illinois area as a flood insurance agent. The agency helps homeowners, renters, and business owners understand the specific flood risks in central Illinois. It provides guidance on securing coverage through the National Flood Insurance Program, a key resource for properties located in designated flood zones. Policy reviews are a standard part of the service to ensure adequate protection gaps are addressed. The agency also assists with claims filing and adjusting coverage after flood damage events.
John Caywood - State Farm Insurance Agent in Champaign, Illinois offers professional assistance for property owners seeking flood insurance policies and risk assessments for their specific locations. Service includes evaluating coverage needs to help protect structures and contents against potential water damage from heavy rains or rising waters. Maintenance plans focus on annual policy reviews to ensure limits adjust with changing flood maps and property values. The agent services single-family homes, apartments, retail storefronts, and restaurants throughout the local area.
Steve Tarrant - State Farm Insurance Agent serves homeowners, businesses, and property managers in Champaign, Illinois, by offering flood insurance policies to protect against water damage. As a local agent, he helps clients understand the different coverage options available for their properties. The agency also provides guidance on flood zones and policy requirements for those at risk. Residents and business owners in nearby Savoy, as well as other sections of the Champaign-Urbana metro area, can also receive coverage assistance from this office.
Anna Schappaugh - State Farm Insurance Agent serves Champaign, Illinois, and the surrounding communities. It handles flood insurance for residential and commercial properties in the area. Policies are designed to cover damage from rising water and related weather events. The agency helps customers assess their flood risk and select appropriate coverage through the National Flood Insurance Program. It works by reviewing each client’s unique property location and needs to recommend suitable protection options.
Brya Insurance in Champaign, IL distinguishes between a one-time flood insurance consultation for evaluating a single property’s risk and ongoing support for clients who require policy updates or annual reviews. Coverage options are designed to protect homes and businesses from water damage caused by rising rivers or heavy storms common to central Illinois. Their flood insurance agency services operate on an as-needed basis, allowing clients to request assistance only when specific policy questions or claims arise.
After severe thunderstorms or heavy spring rains cause standing water in the Champaign area, residents often seek flood coverage to protect their homes. Marcy McAnally - State Farm Insurance Agent provides flood insurance policies tailored to local risk exposure, helping property owners understand their flood zone designation and policy limits. The agency works to clarify how separate flood policies complement standard homeowners insurance. An initial risk assessment of the property’s elevation and proximity to drainage systems is typically conducted during the first consultation.
Tom Cox - State Farm Insurance Agent in Champaign, IL, specializes in flood insurance policies tailored to local residential and commercial needs. The agency assists clients in navigating National Flood Insurance Program options and explaining coverage limits for structures and contents. With central Illinois experiencing heavy spring rains and sudden snowmelt, the agent helps property owners secure protection against potential water damage before severe weather arrives.
Prairieland Insurance Group, LLC, based in Champaign, Illinois, provides property coverage that helps clients manage financial risks from water damage. Its flood insurance agency can write policies for residential homes as well as commercial structures. The company serves both office parks and stand-alone office buildings. It also covers warehouses that store inventory or equipment. In addition, Prairieland insures food service operations, including restaurants and commercial kitchens.
Hall Insurance Services in Champaign, IL is known for helping clients navigate the complexities of flood insurance policies. It assists homeowners and renters in the area in securing coverage that protects against water damage from rising waters and heavy storms. The agency works with residents to understand their property’s specific flood risk and policy options. For added protection, it can also arrange separate endorsements for basement contents and structural improvements.
Dustin Hiser: Allstate Insurance in Champaign, IL, provides residential flood insurance services for homeowners needing protection against water damage. Commercial flood coverage is also available for local businesses in the area. The agency serves clients throughout Champaign and the surrounding communities. Following the initial policy setup, the agent offers follow-up service to review coverage needs between regular visits or after major weather events.
What Does a a Flood Insurance Agent in Champaign Cost?
Typical flood insurance premiums in Illinois range from 700 to 2,500 dollars per year for NFIP policies, depending on flood zone, elevation, and coverage amount. Private market policies can cost more or less. Costs vary by property risk and deductible. This is general information, not insurance advice.
About flood insurance agents in Champaign
Flood insurance agents in Champaign Illinois help property owners secure coverage through the National Flood Insurance Program or private insurers. Champaign County has areas designated as Special Flood Hazard Areas by FEMA. Illinois state law requires lenders to mandate flood insurance for properties in high-risk zones with federally backed mortgages.
Frequently Asked Questions
Do I need flood insurance in Champaign Illinois?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required. Even outside high-risk zones, flooding can occur from heavy rain or snowmelt.
How does an agent help with a flood insurance claim in Illinois?
An agent can explain your policy coverage and help you document damage. In Illinois, flood claims are handled by the insurer or NFIP. Agents do not adjust claims but can guide you on the process.
What is the waiting period for flood insurance in Illinois?
Standard NFIP policies have a 30-day waiting period from the date of purchase before coverage begins. Exceptions exist for loans closing on a property or map changes. Private policies may have different terms.
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