About Us
Raders Insurance Agency is an Independent Insurance Agency representing Insurance companies that are in tune with small town and rural communities. Raders Insurance Agency is made up of people who understand that rural and small town properties and businesses have a special set of risks.
Our goal is to provide you with the insurance you need at the best value possible, at the same time providing you with the highest level of customer service. We will give you an assessment of your risks and give you some options of which package(s) fit you best.
You need an agency that you know and can trust. Our staff has the knowledge and experience to provide maximum benefit and protection to our clients. Let one of our licensed insurance agents review your situation and give you a complementary insurance quote. Call us today at (815) 369-4225.
Nicholas Raab
Owner
Nick started in the insurance agency in 2008 working alongside his father in-law , Jim Raders, who established the agency in 1986. Nick lives in the Lena area with his wife Katy and his children Landon and Ainsley. Having grown up in a rural community Nick understands that each property and business in the area is unique and that is why he enjoys working with the people in this and the surrounding communities.
FARMETTE INSURANCE
Farmettes and Hobby farms are unique in that they are not a full time farming operation, but they are not able to be covered on a traditional homeowners policy.
Your farm may seem small to others, but it’s very important to you. We make sure it’s covered with the following:
- Dwelling and contents
- Water backup of Sewer & Drain
- Dwelling limit for detached structures
- Farmette/Hobby farm & personal Liability coverage
- Farm machinery, motor vehicles and electronic equipment
- Livestock Coverage
- ATV/UTV Coverage
- Umbrella Liability Coverage
- Outbuilding Coverage
Call us today at (815) 369-4225 to find out more about Farmette/Hobby Farm Insurance.
FARM INSURANCE
Our Farm Insurance coverage is one the most comprehensive and affordable coverage plans in the industry. It starts with the basics – your home, your farm and your assets – and can extend to cover your personal and work vehicles. You can even pick and choose the niche coverage you need, including natural disasters, identity fraud, and more.
At Raders Insurance Agency, we can even assist with liability coverage. Our Farm liability coverage can cover personal and farm liability, when you need it and as you need it. This can cover everything from your home to heavy machinery and extends to family farm partnerships, corporations, and trusts.
We can roll all of your coverage into one, all-encompassing policy, saving you time and money. That’s our level commitment to your protection – and your prosperity. Contact us today to find out how we can customize our Farm Insurance coverage to suit your needs.
FARM INSURANCE
Our Farm Insurance coverage is one the most comprehensive and affordable coverage plans in the industry. It starts with the basics – your home, your farm and your assets – and can extend to cover your personal and work vehicles. You can even pick and choose the niche coverage you need, including natural disasters, identity fraud, and more.
At Raders Insurance Agency, we can even assist with liability coverage. Our Farm liability coverage can cover personal and farm liability, when you need it and as you need it. This can cover everything from your home to heavy machinery and extends to family farm partnerships, corporations, and trusts.
We can roll all of your coverage into one, all-encompassing policy, saving you time and money. That’s our level commitment to your protection – and your prosperity. Contact us today to find out how we can customize our Farm Insurance coverage to suit your needs.
SMALL TOWN BUSINESS INSURANCE
As a small business, we KNOW small business insurance. There are several policies that you NEED to be aware of as a business owner – Raders Insurance Agency can help you understand what your business needs to make sure the coverage is in place if you need it. Let us help you – contact us today
Business Owners Policy (BOP)
If you are a small business you may be eligible for a BOP. It’s a business insurance policy that combines your general liability and property coverage into one package at a price often lower than purchasing the same coverage separately. It also provides other coverage such as business income and extra expenses.
- Business General Liability Insurance
- Business Property Insurance
- Cyber Liability Insurance
- Garage Liability / Garage Keepers Insurance
- Workers Compensation
- Business Auto Insurance
- Professional Liability
- Employment Practices Liability
- Directors & Officers Liability Insurance (D&O)
- Business Umbrella Insurance
RURAL HOME INSURANCE
Rural Homeowner’s Insurance can be expensive. There are a lot of factors to consider when looking at a rural home. For instance:
- How soon can rescue arrive in case of fire or need for an ambulance?
- Is the property wide open, or heavily wooded?
- Is there a potential for flooding?
- Are there other dwellings on the property?
- Are there any out-buildings on your property?
The list could go on and on; however, we are here to help. With Raders Insurance Agency, you will get qualified professionals to help ease the stress off of making sure your property is covered. Call us at (815) 369-4225 today for a home insurance evaluation.
RURAL HOME INSURANCE
Rural Homeowner’s Insurance can be expensive. There are a lot of factors to consider when looking at a rural home. For instance:
- How soon can rescue arrive in case of fire or need for an ambulance?
- Is the property wide open, or heavily wooded?
- Is there a potential for flooding?
- Are there other dwellings on the property?
- Are there any out-buildings on your property?
The list could go on and on; however, we are here to help. With Raders Insurance Agency, you will get qualified professionals to help ease the stress off of making sure your property is covered. Call us at (815) 369-4225 today for a home insurance evaluation.
MOTORIZED VEHICLE INSURANCE
We noticed that a lot of our new clients that were coming in had a need for better options for motorized vehicle coverage. A lot of companies deal with cars and trucks, but tend to stay away from higher risk motorized vehicles. At Raders, we specialize in specialized insurance, so it was only natural that we are a premier source for:
- Motorcycle and ATV Insurance
- Collector Vehicle Insurance
- Boat and Personal Watercraft (PWC) Insurance
Making sure that you have proper coverage is a must, especially when dealing with these types of vehicles because the OVERALL value can differ so greatly from vehicle-to-vehicle.
If you are looking for qualified insurance on a specialty vehicle, please call us today and we will make sure you are taken care of.
AUTO AND TRUCK INSURANCE
We’ll give you an easy-to-understand roundup of Illinois insurance laws and policy options, and help you secure a fast, personalized car insurance quote that matches you and your vehicle.
We are here to help. With Raders Insurance Agency, you will get qualified professionals to help ease the stress off of making sure your vehicle is covered. Call us at (815) 369-4225 today.
AUTO AND TRUCK INSURANCE
We’ll give you an easy-to-understand roundup of Illinois insurance laws and policy options, and help you secure a fast, personalized car insurance quote that matches you and your vehicle.
We are here to help. With Raders Insurance Agency, you will get qualified professionals to help ease the stress off of making sure your vehicle is covered. Call us at (815) 369-4225 today.
Frequently Asked Questions
What qualifies as a Hobby Farm or a Farmette?
A hobby farm is a small residential farm, run by an owner who earns income from a source other than the farm. A large vegetable garden would not be considered a hobby farm. If land is being rented or leased for farm use or livestock are being kept, it would fall into the hobby farm category. Farmette owners are typically city workers who want to own rural land without operating a full farm. Some are merely to provide some recreational land, and perhaps a little organic farm and even a horse farm for the family’s children. It is sometimes known as a Yokelet or a Farmette. Contact your agent to determine your eligibility.
Are there any additional discounts for motorcycle owners?
- Homeowners Discount – for customers who own a home or condo.
- Paid In Full Discount – for customers who pay the full year’s premium up front.
- Prior Coverage Discount – for customers who have had continuous motorcycle insurance.
- Multi-Vehicle Discount – for customers who own multiple motorcycles, save money by insuring them all on the same policy.
- Motorcycle License Discount – for customers who have a valid motorcycle license.
- Multi-Policy Discount – for customers who have another in-force policy with the same company such as auto, boat, RV, snowmobile, etc.
- LoJack Device Discount – for customers who have comprehensive coverage on your motorcycle (which covers theft), you will save money for having a LoJack device.
- Anti-Lock Brake Discount – for customers who have a motorcycle that has anti-lock brakes. This one is frequently overlooked!
- Safety Course Discount – for customers who have taken an approved safety course within the past 3 years.
- Motorcycle Association Discount – for customers who belong to a motorcycle association.
Why should I buy collector vehicle insurance?
- Agreed Value Coverage – In case of a total loss, you get the full amount of insured value on your collector vehicle policy.
- No Deductible – In most states, you pay nothing if you have a claim.
- Restoration Coverage – Protect your collector vehicle with increased value during the active project.
What types of collector vehicles are covered?
Some types of vehicles considered “collector vehicles” would be:
- Antiques and classic cars
- Muscle cars
- Street rods
- Modern classics
- Trucks
- Vehicles under active restoration
Do I need ATV Insurance?
Insuring your ATV can protect you from the following:
- Damage when it hits, or is hit by another vehicle or object
- Protection when damages are caused to someone else’s property while operating your ATV
- Bodily injury protection if certain damages injure or kill someone while operating your ATV
- Protection from theft, fire or vandalism
Most ATV owners don’t realize that ATVs have a high theft rate, and your homeowner insurance may not cover your ATV if you ride it off your property.
How does a boat policy protect me?
hether you store your boat at home or docked somewhere else, make sure it’s protected with boat insurance. A basic boat policy will cover you from damage caused by:
- A collision
- Sinking
- An accident
- Malicious mischief
- Vandalism
Most boat policies cover physical damage to:
- The hull
- Sails
- Machinery
- Furnishings
- On-board equipment
- Boat trailer for damage from an external cause.
What is considered a small town business?
A few examples are:
- Sole owners, startups, and expanding businesses
- Medical, dental, or legal practices
- Ranch or farm operations
- Veteran organizations, such as American Legion, VFW, etc.
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