Our Customer Service Representatives are available Monday through Friday from 9:00 AM to 5:00 PM. Saturday appointments are available by request.
For assistance, call 630-786-9971, email info@insurhaus.com, or fax 630-495-6039. After regular business hours, you may leave a voicemail, and a member of our team will respond as soon as possible.
Please note that insurance coverage cannot be bound, changed, reinstated, or canceled through voicemail or email unless the request has been confirmed by a licensed Insurhaus representative or the insurance company.
Quotes and Coverage Reviews
How do I request an insurance quote?
Select Get a Quote on our website and complete the appropriate quote form. You may also call 630-786-9971 or email info@insurhaus.com.
Providing complete and accurate information can help us prepare your quote more efficiently.
What information do I need to receive an insurance quote?
The required information depends on the type of insurance. In most cases, we will need:
- Your contact information
- Requested coverage effective date
- Current insurance information
- Current policy declarations pages
- Driver’s licenses and vehicle information
- Property or business details
- Prior claims or loss history
Additional documents may be required depending on the type of policy and insurance company.
How often should I review my insurance coverage?
We recommend reviewing your insurance at least once a year and whenever you experience a significant change, such as:
- Purchasing a home or vehicle
- Adding a new driver
- Renovating a property
- Starting or expanding a business
- Hiring employees
- Purchasing business equipment
- Acquiring rental property
- Getting married or having a child
- Experiencing a significant change in income or assets
Why did my insurance premium increase if I did not have a claim?
Insurance rates can change for many reasons unrelated to your individual claims history. Factors may include increases in repair and construction costs, medical expenses, vehicle theft, severe weather losses, litigation costs, changes in your area, and company-wide rate adjustments.
Your premium may also be affected by changes to your vehicles, drivers, property, coverage limits, discounts, insurance score, or payment plan. Insurhaus can review your policy and compare available options when appropriate.
Auto Insurance
Why do I need auto insurance?
Auto insurance helps protect you financially if you cause an accident, damage another person’s property, suffer damage to your vehicle, or are involved in an accident with an uninsured or underinsured driver.
Required coverage and minimum limits vary by state, but minimum coverage may not provide enough protection for a serious accident.
How can I save money on auto insurance?
Available discounts may include:
- Bundling Auto and Home policies
- Insuring multiple vehicles
- Maintaining a good driving record
- Selecting paperless billing or automatic payments
- Driving fewer miles
- Completing an approved driving course
- Qualifying for a good-student discount
Discount availability and eligibility vary by insurance company and state.
When should I add a new driver or vehicle to my policy?
Contact Insurhaus before purchasing or taking possession of a new vehicle whenever possible. Coverage for newly acquired vehicles varies by policy, so you should not assume that automatic coverage applies.
New household drivers, including teenagers and other licensed residents, should also be reported promptly. Coverage is not effective until the vehicle or driver has been properly added and confirmed.
Does my Personal Auto policy cover vehicles used for business?
Personal Auto policies may restrict or exclude certain types of business use. Regular deliveries, transporting customers, carrying tools or equipment, visiting job sites, rideshare driving, or other commercial operations may require Commercial Auto insurance.
Contact us to review how the vehicle is owned and used before relying on a Personal Auto policy for business activities.
Home, Renters and Personal Liability
Should I get renters insurance?
Yes. Your landlord’s insurance generally protects the building but does not cover your personal belongings or personal liability.
Renters insurance may help cover your furniture, electronics, clothing, temporary living expenses, and certain liability claims. It is often affordable and may qualify you for a multi-policy discount when bundled with Auto insurance.
What is the difference between replacement cost and market value?
Market value is the estimated amount for which a property could be sold. It may include the value of the land, location, neighborhood, and current real estate market.
Replacement cost is the estimated expense of rebuilding or replacing damaged property using materials of similar kind and quality. Because these calculations measure different things, the insured replacement cost may be higher or lower than the property’s market value.
What is a deductible?
A deductible is the amount you are responsible for paying toward a covered loss before the insurance company pays the remaining eligible amount.
Selecting a higher deductible may reduce your premium, but it also increases your out-of-pocket cost after a claim. Choose a deductible that you could reasonably afford if an unexpected loss occurs.
What is the difference between Property and Liability insurance?
Property insurance helps protect assets you own, such as your home, building, personal belongings, business property, or equipment.
Liability insurance helps protect you when you are legally responsible for bodily injury or property damage suffered by someone else. A complete insurance program may require both types of protection.
What is Umbrella insurance?
Umbrella insurance provides additional liability protection above the limits of qualifying underlying policies, such as Auto, Home, General Liability, Commercial Auto, or Employers Liability.
It can help protect your income, savings, property, and other assets when a serious claim exceeds your primary policy limits. Certain underlying coverage and minimum limits are required.
Business Insurance
Is my business required to carry Workers’ Compensation insurance?
Workers’ Compensation requirements vary by state, industry, business structure, and number of employees. In many situations, coverage is required once a business hires employees.
It may provide benefits for medical expenses, lost wages, rehabilitation, and disability resulting from a work-related injury or illness. Legal or compliance requirements should be confirmed with the appropriate state authority or legal adviser.
How much liability coverage does my business need?
The appropriate limits depend on your industry, business size, annual sales, payroll, work performed, contracts, customer interactions, vehicles, property, and potential claim exposure.
Landlords, customers, lenders, and general contractors may also require specific limits or endorsements. Insurhaus can review these requirements and help you compare available coverage options.
How do I request a Certificate of Insurance?
Each Insurhaus commercial client receives a unique Customer Code that allows them to generate and download a Certificate of Insurance directly from our website 24/7.
Select Get a Certificate, enter your Customer Code, and follow the instructions.
If your code is not working or you need assistance, please email info@insurhaus.com. Requests involving special wording or additional endorsements may require review by our Customer Service team.
Life Insurance
What are Living Benefits in a life insurance policy?
Living Benefits may allow an insured person to access a portion of the policy’s death benefit while still living after a qualifying critical, chronic, or terminal illness.
These benefits may be available with certain Term, Whole Life, and Indexed Universal Life policies, depending on the insurance company, product, state, and selected riders. Eligibility, limitations, costs, and benefit amounts vary, so the specific policy provisions should always be reviewed carefully.
Policy Changes, Billing and Claims
How do I change my name, address, vehicle, driver, or other policy information?
Contact us by phone or email and provide:
- Your name and policy number
- The requested change
- Your preferred effective date
- Any required supporting documents
Some changes require underwriting approval or signed forms. A requested change or cancellation is not effective until you receive confirmation from Insurhaus or the insurance company.
How do I make an insurance payment?
Most payments should be made directly to the insurance company through its website, mobile app, automated telephone system, or billing department.
Billing schedules, installment fees, payment options, and due dates are determined by the insurance company. If you need assistance locating the correct payment method, contact Insurhaus at 630-786-9971.
What should I do if my policy is canceled for nonpayment?
Contact Insurhaus or the insurance company immediately. You may be required to pay the outstanding balance, submit a reinstatement request, sign additional forms, or purchase a new policy.
Reinstatement is not guaranteed. Do not drive, operate a business, or assume that coverage is active until reinstatement or replacement coverage has been confirmed in writing.
What should I do if I need to file a claim?
If someone is injured or immediate assistance is needed, call emergency services first. Report the claim directly to your insurance company as soon as possible, or contact Insurhaus for assistance.
Have the following information available:
- Policy number
- Date and location of the incident
- Description of what happened
- Photos or videos
- Contact information for everyone involved
- Police or incident report, if applicable
Important Legal Disclaimer
The information provided in these Frequently Asked Questions is for general informational purposes only. It is not intended to provide legal, tax, financial, or professional advice and should not be interpreted as a guarantee of insurance coverage, eligibility, pricing, benefits, or claim payment.
Insurance coverage is subject to the completed application, underwriting approval, payment of the required premium, and all terms, conditions, limits, deductibles, exclusions, and endorsements contained in the policy issued by the insurance company. If any information on this website differs from the terms of an issued policy, the policy documents will control.
Insurance products, coverage options, discounts, and eligibility requirements vary by insurance company and state and may not be available in all locations. Living Benefits may also vary by product, company, state, and selected rider. Customers should consult a qualified legal or tax professional regarding their individual circumstances.
Submitting a website form, email, text message, or voicemail does not bind, change, cancel, or reinstate insurance coverage. No coverage request is effective until it has been reviewed and confirmed in writing by a licensed Insurhaus representative or the insurance company.
Please contact Insurhaus at 630-786-9971 or info@insurhaus.com to discuss your individual insurance needs and review the specific terms of your policy.