Your Trusted Insurance Partner in Swansea, IL and Surrounding Areas
Personal Insurance
Vehicle Collision Representation
Looking to insure a new vehicle or comparing auto insurance quotes in Belleville? At Wottowa Insurance Agency, we make it easy to find the right car insurance coverage at the right price. Whether you're looking for basic protection or comprehensive security, we offer customizable policies that align with your needs and budget.
Liability
Coverage
Required by law in most states, this includes:
- Bodily Injury Liability: Covers injuries to others in an accident you cause.
- Property Damage Liability: Pays for damage to another person's property
Uninsured / Underinsured Motorist Protection
Helps pay for your medical bills or repair costs if you're hit by someone without sufficient insurance.
Comprehensive
Coverage
Covers damage from non-collision events like theft, fire, hail, or vandalism (subject to a deductible).
Collision
Coverage
Covers repair or replacement costs if your vehicle is damaged in an accident with another vehicle or object. May be required if your vehicle is leased or financed.
Medical Payments
Coverage
Pays for medical expenses such as hospital visits or therapy for you and your passengers after an accident.
Personal Injury
Protection (PIP)
Similar to medical payments coverage but may also include non-medical costs like lost wages or childcare (availability depends on state regulations).
Core Home Insurance Coverage
At Wottowa Insurance Agency, we don’t believe in a one-size-fits-all approach. Instead, we offer a range of home insurance plans that are carefully tailored to suit the unique needs of each homeowner. Since your home is often your most valuable asset, we are here to help you protect your investment. Our specialized coverage can assist with repairs, replacements, and provide vital financial protection against approved damages.
Most
homeowners insurance policies include multiple types of coverage to offer broad protection. However, some
natural disasters—like
earthquakes or
floods—aren’t typically part of standard plans. In these cases, additional policies may be needed to fully safeguard your home. Popular types of home insurance coverage may include:
Dwelling Coverage
Protects the structure of your home from covered perils like wind, fire, or vandalism.
Other Structures
Includes coverage for structures not attached to your home, such as garages, fences, or sheds.
Personal Property
Covers theft or damage to items like electronics, furniture, or clothing.
Liability Coverage
Offers protection if someone is injured on your property and files a claim. Ask about umbrella policy options for extended coverage.
Policy Limits & Deductibles
Each coverage type has a limit and deductible—customize yours to match your priorities and budget. Our agents are here to help you understand your options.
Motorcycle, Boat & ATV Insurance
Make sure your favorite recreational vehicles are covered with insurance from Wottowa Insurance Agency. We offer protection plans for your boat, motorcycle, and ATV, so you can enjoy your time on the road or water with confidence. Our team is here to help you secure the right policy to keep your investment safe. Contact us today to speak with an agent and learn more about our coverage options!