Home Insurance – Ray Insurance Agency
Protecting Your Home and Everything in It
Your home isn’t just where you live — it’s where family gathers, where memories are made, and where you should always feel secure. At Ray Insurance Agency, we understand that every home is different, and every homeowner deserves coverage they can count on.
Whether you're buying your first home, covering a rental, or insuring a weekend retreat, we’re here with local support and real answers. Serving Mount Sterling and communities across West Central Illinois, we’ll help you find coverage that fits both your needs and your budget — with no fluff, no pressure, and no call centers.
What Does Our Home Insurance Cover?
Local Coverage from People Who Understand Your needs
At Ray Insurance Agency, we build home policies to protect you from the unexpected — storms, fire, theft, and more. Our policies are flexible, affordable, and backed by friendly, personalized service. Depending on your plan, your home insurance may include:
Dwelling Coverage
Protects the structure of your home from covered risks like fire, storms, or vandalism.
Personal Property Coverage
Covers furniture, electronics, clothing, and household items lost due to theft, fire, or weather damage.
Liability Protection
Covers legal costs and medical bills if someone is injured on your property.
Loss of Use Coverage
Helps pay for living expenses if your home is temporarily unlivable due to a covered event.
Medical Payments Coverage
Pays medical expenses for guests injured on your property, regardless of fault.
We also offer specialized options for rental properties, valuable personal items, and seasonal homes.
Frequently Asked Questions
Home insurance can raise a lot of questions — especially if you’re buying for the first time or updating an older policy. Below are some of the most common questions we hear from local homeowners. If you don’t see yours here, just give us a call. We’re always happy to help.
What’s not covered by home insurance?
Standard policies don’t cover flood damage, maintenance issues, or certain high-risk items unless specifically added. We’ll walk you through what’s included — and what might need extra protection.
How much coverage do I really need?
It depends on your home’s rebuild cost, not its market value. We’ll help calculate what’s right based on location, structure, and contents.
Do I need home insurance if I’ve paid off my house?
Yes. Without insurance, you're fully responsible for any damage or liability. It’s one of the simplest ways to protect your biggest asset.
How can I lower my home insurance premiums?
Ask us about bundling with auto or farm policies, installing protective devices, or increasing your deductible for a discount.
How do I get started with home insurance?
It’s simple — just give us a call at {{content_library.global.phone.phone}}. We’ll schedule a time to talk through your operation, walk you through your options, and help you build a policy that makes sense for your land, your risks, and your goals.