Insurance Service – Ray Insurance Agency

Insurance That Reflects the Way You Live, Work, and Grow

At Ray Insurance Agency, we believe great coverage starts with understanding your life — not just your assets. That’s why we take the time to learn about what matters most to you, then help match you with protection that fits. Whether you’re farming acres, running a business, or insuring your first car, we’re here with clear guidance and local support you can count on.
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Farm & Crop Insurance

Farming isn’t just work — it’s a way of life. We help protect your land, your harvest, and your future with farm and crop insurance options built for the real risks of West Central Illinois.


  • Federal Crop Insurance (MPCI) – Protects your yield and revenue from weather, pests, and disease.
  • Crop Hail Insurance – Additional coverage for hail damage not fully covered by federal plans.
  • Livestock Risk Protection (LRP) – Coverage for cattle, hogs, and other livestock against market swings.
  • Farm Equipment & Barn Coverage – Protection for tractors, tools, and essential structures.
  • Private Product Options – Supplemental plans tailored to your operation and risk tolerance.


Black icon: hands protecting a house with a shield and checkmark.

Home Insurance

Your home is one of your biggest investments — and it deserves coverage that’s as dependable as it is practical. Whether you own or rent, we offer protection that reflects the real risks and needs of families in West Central Illinois.


  • Dwelling Coverage – Protects your home’s structure from fire, storms, vandalism, and more.
  • Personal Property Coverage– Covers belongings like furniture, clothing, and electronics.
  • Liability Protection– Helps cover medical bills or legal fees if someone is injured on your property.
  • Medical Payments Coverage – Covers guest injuries on your property, no matter who is at fault.
  • Loss of Use Coverage– Pays for temporary housing if your home becomes unlivable after a covered event.
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Auto Insurance

Whether you're commuting through Mount Sterling or cruising the back roads of West Central Illinois, having the right auto insurance means peace of mind behind the wheel. Our policies are built to protect drivers, passengers, and vehicles with clear, customizable coverage.


  • Liability Coverage – Covers injuries and property damage you cause in an accident.
  • Collision Coverage – Pays to repair or replace your vehicle after a crash.
  • Comprehensive Coverage – Covers damage from theft, weather, animals, or vandalism.
  • Uninsured/Underinsured Motorist Coverage – Protects you if you're hit by a driver with little or no insurance.
  • Medical Payments Coverage – Helps pay medical expenses for you and your passengers after an accident.
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Business Insuarnce

From local retailers to service-based businesses and ag operations, we help business owners in Mount Sterling and West Central Illinois protect what they’ve built. Our policies are designed to safeguard your property, income, and reputation with support you can count on.


  • General Liability Insurance – Covers injury, property damage, and legal defense related to your operations.
  • Professional Liability Insurance (E&O) – Protects against claims tied to errors, omissions, or service disputes.
  • Commercial Property Insurance – Coverage for buildings, inventory, equipment, and signage.
  • Product Liability Insurance – Helps protect your business if a product you sell causes harm.
  • Business Owner’s Policy (BOP) – A bundled option combining liability and property coverage into one package.
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Additional Insurance Services

Not every need fits the usual categories — and that’s okay. At Ray Insurance Agency, we offer a range of additional policies to cover the risks that come with real life in West Central Illinois. From off-road vehicles to private property and long-term planning, we’ll help you protect what matters most.


  • Life Insurance – Term and whole life policies to help protect your family’s future.
  • Health Insurance Guidance – Help navigating coverage options for individuals and families.
  • Hunting Land & Recreational Liability – Protection for property owners and outdoor spaces.
  • Umbrella Coverage – Extra liability protection to extend beyond standard policy limits.

Don't See What Your Looking For?

Let’s Find the Right Coverage for You

Whether you need home, auto, farm, or business insurance, we’re ready to help. Let’s talk about your coverage needs and find a plan that’s right for you, your family, and your future.