Frequently Asked Questions

Getting a quote is easy — you can fill out our online quote form, call us at 630-796-4422, or visit one of our Illinois locations. We'll gather some basic information about your needs and provide you with competitive options from multiple carriers.

Most quotes can be provided within minutes over the phone or same-day for more complex commercial policies. Our online quote form typically results in a response within one business day.

Absolutely not — quotes are always free at RKM Insurance Services. There is no obligation to purchase, and we encourage you to compare our rates with your current coverage.

Illinois requires all drivers to carry minimum liability coverage of $25,000 per person / $50,000 per accident for bodily injury, and $20,000 for property damage. We recommend higher limits and additional coverages like uninsured motorist and comprehensive to fully protect you.

Yes! A multi-vehicle policy is often more affordable than separate policies and simplifies your coverage. We can bundle multiple cars, trucks, motorcycles, and even RVs under one convenient policy.

Premiums are influenced by your driving record, age, vehicle make and model, annual mileage, credit score, location, and the coverage levels you choose. As an independent agency, we shop multiple carriers to find you the best rate for your profile.

A standard homeowners policy covers your dwelling structure, personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable. We can also add riders for jewelry, electronics, and other high-value items.

Standard homeowners policies do not cover flood damage. If you live in a flood-prone area or near a body of water in Illinois, a separate flood insurance policy is strongly recommended. RKM can help you assess your risk and find the right coverage.

Yes — renters insurance is one of the most affordable policies available, often just $15–$30 per month. It covers your personal belongings, provides liability protection, and covers temporary housing if your rental becomes uninhabitable.

Term life insurance provides coverage for a set period (10, 20, or 30 years) and is generally more affordable. Whole life insurance provides lifelong coverage and builds cash value over time. The right choice depends on your financial goals and family situation — we'll help you decide.

A common guideline is 10–12 times your annual income, but the right amount depends on your debts, dependents, income replacement needs, and future expenses like college tuition. Our agents will walk you through a needs analysis at no charge.

We offer a full range of commercial lines including General Liability, Business Owner's Policy (BOP), Commercial Auto, Workers' Compensation, Professional Liability (E&O), Cyber Liability, and Commercial Property insurance.

Yes — your homeowners policy typically excludes business-related claims. A home-based business policy or business owner's policy (BOP) ensures your equipment, inventory, and liability are properly covered.

As an independent insurance agency, we are not tied to a single carrier. We shop dozens of top-rated insurance companies to find you the best coverage at the most competitive price. You get personalized service from a local Illinois agent who knows your community.

We proudly serve clients throughout the Chicago metro area and northern Illinois, including St. Charles, Geneva, Batavia, Naperville, Aurora, Elgin, Wheaton, and Downers Grove, as well as clients statewide.

Contact your insurance carrier directly using the claims number on your policy card for the fastest service. You can also call our office at 630-796-4422 and we will guide you through the claims process and advocate on your behalf.

Yes — most of our carrier partners offer online portals and mobile apps where you can view your policy, make payments, request ID cards, and report claims 24/7. Contact us and we'll help you get set up.