Crown Insurance Agency

Please contact us at 708-346-8777 for a Free - No obligation insurance quote.We welcome the opportunity to speak with you and appreciate the chance to provide you with a proposal.
Crown Insurance Agency, Inc, an affiliate of Crown Mortgage Company, offers a variety of packaged policies that can be customized to meet the diverse needs of our clients.

Our insurance professionals are extensively trained to assist you in designing the best plan that will fit both your needs and budget. Our goal is to extend and increase overall satisfaction by giving our clients the highest level of customer service available in the marketplace. Your happiness and peace of mind is the key to our success!


Homeowner’s Insurance

Crown Insurance Agency has streamlined the insurance process so you can obtain a quote, make changes to your existing coverage or simply renew your policy right from the comfort of your home. Our on-line access to A+ rated insurance carriers allows us to service your needs in "real time" without delay.
Homeowner's insurance generally comes in two forms. Specified Peril and All Risk Peril.

  • Specified Peril Policies protect your property only against perils that are specifically named.
  • All Risk Peril Policies protect your property against all risk unless specifically excluded.

Below are a few components to look for when researching a potential insurance carrier:

  1. Make sure the potential insurer has an "A" (Excellent) or better rating from A.M. Best, the insurance industry's leading rating agency.
  2. Ask for a cost guide analysis to be completed on your property to ensure your coverage limits are adequately protecting your home and personal property.
  3.  Always ask to have your home insured for Replacement Cost Value (if it qualifies) instead of Actual Cash Value. Find out what percentage the RCV is capped at in case of a total loss.
  4. Tell your agent if you have made significant improvements or added any additions. Also, be sure to make them aware if you have an alarm system installed. In many cases this can be an added discount.
  5. Lastly, ask if a discount is given when you "package" your Homeowner's and Auto insurance with the same carrier.

Homeowner's insurance should be thought of as protection against catastrophic events, not every day wear and tear of your home. For example if your house should be completely destroyed by a fire, you probably do not have enough savings to rebuild your home or pay off your mortgage. This is a perfect time to be glad you have homeowner's insurance. On the other hand, you can typically afford to replace a broken storm door when the wind catches it and blows it off the hinges.

So why pay for a low deductible just so the insurance company can cover a cost you can cover yourself? Opting for a higher deducible, such as a $1000 deductible over a $100, $250, or $500 deductible, reduces the temptation of filing a lot of smaller claims and can save you as much as 35% on your premiums.

Auto Insurance

Auto insurance doesn't need to be expensive, but it does need to provide the proper protection for you and your family.

For today's homeowner the first thing to ask is; are we adequately covered? We recommend a minimum of $100,000/$300,000 for Liability coverage (the same for uninsured and underinsured), $100,000 for Property coverage, and $5000 for Medical payments. And for just pennies a day you can add Towing and Loss of Use for a rental car.
You can also extend your peace of mind with additional coverage options such as:

  • Your new car will have Total Protection as long as you keep full coverage limits on your vehicle, no matter how old the car is at the time of the accident. How does this work?

If your car can be safely repaired, and the repair bill comes in higher than the actual cash value of the vehicle, this program will pay the entire cost of repairs to your vehicle (less deductible).

If your car cannot be safely repaired, and you have this additional coverage, this program will pay for a brand new car! If the same model isn't available, it will cover a new vehicle similar size, body type and equipment.

And it doesn't stop there. If you're the victim of fire, theft or larceny, this program will pay the difference between the actual cash value and the outstanding debt on your loan or lease agreement.

  • Auto Loan/Lease Program protects you from the financial consequences of carrying a large loan or lease balance, one that's higher than the car's value, if your car is totaled in an accident. This program pays the difference between the depreciated and actual cash value of your vehicle in order to cover the outstanding debt on your loan or lease agreement.
  • Personal Catastrophe Liability Coverage protects you, your spouse and any relatives living in your household for up to $1 million or more, over and above the liability insurance you have from your other insurance policies.

Our Homeowner's and Auto Insurance products are underwritten through Kemper Auto and Home, Travelers, and Safeco Insurance Company. They are "A" rated companies with A.M. Best, the insurance industry's leading rating agency.


Mortgage Protection Term Life Insurance

Crown Insurance Agency can offer you mortgage protection through our term life insurance products. Term insurance is commonly used to provide life insurance coverage in situations where there is a short-term need for protection, or the policy owner has limited funds based on the amount of life insurance needed. These plans were developed with real people, and real family budgets, in mind.

When choosing a term life product to purchase, you will typically want to look for a product in which the premiums remain level during the term of the policy. Families often purchase term insurance planning to convert to permanent insurance at some point in the future. It is also used in situations where the policyholder is responsible for a mortgage or other bank loan, and wishes to pay off the debt in the event of premature death.

Benefit periods can range from 10, 20, 25, or 30 years. The amount of protection can be customized to fit your individual or family needs.

For as little as $20 per month* you can have the comfort of knowing that your family will be taken care of in the event of your premature death.

* Amount based on a 30 year old male with a $100,000 death benefit amount