Local. Independent. Friendly.
Insurance for the life you live.
Back row, left to right: Abbey McMillen, Libby Ippensen.
Real people. Local service.
Why choose Mudd Insurance Group?
You have a lot of choices when it comes to insurance. Instead of calling a phone number you saw on TV or trying to figure out coverage on a random website, call Mudd Insurance Group and let us do the shopping for you.
As an independent insurance agency, we have access to a variety of insurance products and companies. Our job is to help you understand your options and look for excellent coverage at an affordable price that works within your budget.
Insurance is what we do every day. Let our experienced team help you compare your options, answer your questions, and find coverage that fits your needs.
Meet our team →Ready for a quote?
Tell us what you need, and we’ll take it from there.
Coverage for what matters
Property Insurance
Your home is more than just the house itself. At Mudd Insurance Group, we'll take the time to learn about your property and help you explore coverage options and discounts that may be available.
Property Insurance Options May Include:
- Homeowners Insurance
- Renters Insurance
- Condominiums
- Landlord & Rental Homes
- Secondary & Seasonal Homes
- Country Homes
- Mobile & Manufactured Homes
- Flood Insurance
Have You Made Changes To Your Home?
A new roof may qualify for special discounts with some insurance companies, and certain carriers may offer additional opportunities for homes with newer or metal roofs.
Tell us when you make improvements to your property—we want to make sure you're receiving the discounts you may qualify for and that your coverage stays up to date.
Are You Properly Covered?
Have you thought about:
Finished Basements & Water Backup Coverage – If you have a finished basement, make sure we know about it. Ask us about available water backup coverage and whether your current limits are appropriate for what you have downstairs.
Jewelry, Firearms & Antiques – Are your valuable items adequately insured?
Home-Based Businesses – Your homeowners policy may not provide all the coverage your business needs.
Pools & Hot Tubs – Make sure we know they're there.
Detached Garages, Shops & Sheds – Don't overlook the other structures on your property.
Recent Renovations & Improvements – Updates can change both the value of your home and your insurance needs.
Your home and your needs can change over time. Talk with us about your property, what you've added, and what's important to you. We'll help you explore available coverage options and look for ways to protect your home while working within your budget.
Coverage for what matters
Auto Insurance
Today's drivers have different needs, and auto insurance isn't one-size-fits-all. At Mudd Insurance Group, we'll take the time to learn how you use your vehicles and help you explore the coverage options that may be available to you.
Coverage Options May Include:
- Personal Auto Insurance
- New Car Replacement Coverage
- Rideshare Coverage – Uber & Lyft
- Food & Grocery Delivery Coverage
- Youthful & New Drivers
- Classic & Antique Vehicles
- Cars, SUVs, Pickups & Vans
- Trailers
Did You Know?
Using your personal vehicle for rideshare, food delivery, grocery delivery or other business activities may affect your insurance coverage. Buying a brand-new vehicle may also create different coverage considerations.
Talk with us about how you use your vehicle and what is important to you. We'll help you explore available options and find coverage that fits your needs and budget.
Coverage for what matters
Specialty Insurance
The fun stuff needs the right insurance, too. Boats, campers, motorcycles, side-by-sides and other recreational vehicles can have coverage needs that go far beyond simply protecting the unit itself.
Specialty Insurance Options May Include:
- Motorcycles
- Side-by-Sides / UTVs
- Four-Wheelers / ATVs
- Boats
- Jet Skis / Personal Watercraft
- Campers & Travel Trailers
- RVs & Motorhomes
- Snowmobiles
- Classic & Antique Vehicles
Who Are You Taking Along For The Ride?
You may have coverage for your side-by-side, motorcycle, boat or other recreational vehicle—but have you thought about the people riding with you?
Ask us about liability coverage and whether your current limits are appropriate if an accident occurs and you or your passengers are injured.
Taking Your Side-By-Side On The Road?
Many rural communities allow certain side-by-sides and UTVs to be operated on local roads under specific requirements.
Before you head out, talk with us about how and where you use your side-by-side. We'll help you review your insurance and explore coverage options that may be available for your particular situation.
Taking Family & Friends Camping?
Your camper is more than something you tow behind your vehicle. Depending on your camper and insurance company, additional coverage options may be available.
Have you thought about:
- Roof Protection
- Awnings
- Outdoor Kitchens & Attached Equipment
- Personal Belongings Inside the Camper
- Pest or Insect Damage Coverage Options
- Liability While You're Camping
Tell us how you use your camper and what you've added to it so we can help you explore the available coverage options.
Boats & Jet Skis – Where Are They Kept?
Where you store and use your boat or personal watercraft can matter.
Is your boat or jet ski insured for the proper location? Have you moved it to a different marina, lake, storage facility, vacation property or state since you purchased your policy?
Let us know where your watercraft is stored and where you use it so we can help make sure your insurance information is current.
Don't just insure the toy—talk with us about how you actually use it, where you keep it, and who enjoys it with you. We'll help you explore coverage options designed around your needs.
Built around your farm
Farm Insurance
Your farm is more than a house and a few buildings.
Farms are different, and farm insurance shouldn't be treated like a standard homeowners policy. At Mudd Insurance Group, we understand that rural properties can include homes, barns, machine sheds, grain bins, grain bin complexes, crop drying systems, livestock, equipment, trucks, trailers and much more.
Farm Insurance Options May Include:
- Farm & Country Homes
- Farm Outbuildings, Barns & Machine Sheds
- Grain Bins
- Grain Bin Complexes
- Crop Drying Systems & Equipment
- Farm Personal Property & Equipment
- Livestock Coverage
- Animal Mortality Coverage
- Farm Trucks, Semis & Trailers
- Farm Liability
- Farm Umbrella Coverage
- Farm Machinery
- Solar Panels
- Country Estates & Farm Trusts
- Specialized Farm Operations
When Was The Last Time You Really Reviewed Your Farm Insurance?
Farms change. Buildings go up. Equipment gets purchased. Grain bins are added. Crop drying systems are installed or upgraded. Values increase. Livestock changes. A truck or trailer gets replaced.
Does Your Insurance Still Reflect The Farm You Have Today?
We can help you review your current farm coverage and talk through the property, equipment and exposures that make your operation unique.
Grain Storage & Crop Drying
Grain operations can represent a significant investment.
Do you have:
- Individual grain bins?
- Multiple-bin grain storage complexes?
- Grain handling equipment?
- Crop drying systems or equipment?
- Recently added or upgraded bins and equipment?
Make sure we know what's there and what it's worth. We'll talk with you about your grain storage and crop drying operation and help you explore available coverage options.
Livestock Deserves A Conversation, Too.
If livestock is an important part of your operation, ask us about available livestock coverage and animal mortality coverage options.
Coverage needs can vary depending on the animals, their value and how they're used. We'll talk with you about your operation and help you explore the options that may be available.
Is Your Liability Protection Enough?
Farm operations can create liability exposures that go beyond the home itself. Depending on your operation and eligibility, farm umbrella coverage may provide an additional layer of liability protection above underlying policies.
Ask us whether an umbrella may be appropriate for your farm and what coverage options are available.
Don't Forget What's On The Road.
Your farm may include pickups, trucks, semis, trailers and other vehicles used in the operation.
Tell us what you drive, what you haul and how the vehicles are being used. We'll help you review available insurance options for your farm vehicles and trailers.
Let Us Do The Shopping.
You know your farm. We know insurance.
Talk with Mudd Insurance Group about your operation. We'll learn about your farm, review your needs and shop among the insurance companies available to us to look for a combination of coverage and price that makes sense for your farm and your budget.
Coverage for what matters
Commercial Insurance
Small business is big business to us.
You work hard to build your business. At Mudd Insurance Group, we help small and local businesses explore insurance options designed to protect what they've built.
We focus on helping established small businesses and standard commercial operations find practical coverage for their property, vehicles, equipment and liability exposures.
Commercial Insurance Options May Include:
- Business Owner's Policies (BOP)
- Commercial Property
- General Liability
- Commercial Auto
- Contractors Insurance
- Tools & Equipment Coverage
- Inland Marine Coverage
- Workers’ Compensation
- Home-Based Business Coverage
- Business Personal Property
- Commercial Umbrella Coverage
Does Your Business Qualify For A Bop?
A business owner's policy (BOP) can combine several important business coverages into one policy for eligible businesses.
If you own a small business, office, retail operation, service business or other qualifying operation, ask us whether a BOP may be an option for you.
Contractors – Are Your Tools & Equipment Protected?
Your truck may be insured—but what about the tools and equipment you depend on every day?
If you're a contractor or tradesperson, talk with us about:
- General Liability
- Commercial Auto
- Tools & Equipment
- Business Property
- Inland Marine Coverage
- Commercial Umbrella Options
Tell us what you do, what equipment you use and how your business operates. We'll help you explore the coverage options that may be available.
Commercial Auto Is More Than Just A Business Vehicle.
Do you have:
- Work trucks or vans?
- Multiple business vehicles?
- Employees driving company vehicles?
- Trailers or equipment being transported?
- Vehicles used to make deliveries?
- Vehicles used to haul property for others?
How a vehicle is used can make a difference in the coverage your business needs.
Do You Haul Property For Others?
If your business transports someone else's property, motor truck cargo coverage may be something you need to discuss with us.
Tell us what you're hauling, who owns it, where you're hauling it and whether you're hauling for compensation. We'll help you determine what coverage options may be appropriate for your operation.
Let's Talk About Your Business.
You don't have to figure out commercial insurance by yourself.
Tell us what your business does, what you own, what you drive and what you need to protect. We'll ask the questions, explain your options and help you determine whether we have an insurance solution that fits your business.
Coverage for what matters
Health Medicare and Life Insurance
Medicare doesn't have to be confusing.
Medicare can feel overwhelming. There are different plans, different networks, different prescription drug coverage options and important decisions to make.
You don't have to figure it out alone. At Mudd Insurance Group, we'll take the time to help you understand your options, answer your questions and explore Medicare coverage that fits your individual needs.
Medicare Products May Include:
- Medicare Advantage Prescription Drug Plans (MAPD)
- Medicare Advantage Plans (MA)
- Medicare Prescription Drug Plans (PDP)
- Medicare Supplement Insurance (Medigap)
- Dental, Vision & Hearing Options
- Other Ancillary Products
Turning 65?
If you're approaching Medicare eligibility, talk with us before you turn 65. We can help you understand the different parts of Medicare, discuss available plan options and help make the process easier to understand.
Already On Medicare?
Your healthcare needs, prescriptions and available plans can change.
If you already have Medicare coverage, we're here to help you review your options and answer questions about your coverage.
Don't choose a Medicare plan based only on a television commercial or piece of mail. Talk with a local insurance professional who can help you understand your options.
Major Medical Health Insurance For Individuals & Families Under Age 65
Mudd Insurance Group can also help individuals and families who aren't yet eligible for Medicare explore major medical health insurance options.
Carla Mudd Is Get Covered Illinois Certified.
Talk with us about your household, healthcare needs and budget, and we'll help you explore available health insurance options.
Has Something Changed In Your Household?
If you're a current Mudd Insurance Group health insurance client, please let us know when something changes.
Changes to your household or circumstances may affect your health insurance coverage or eligibility. Please contact our office for changes such as:
- Household size
- Marriage or divorce
- Birth or adoption of a child
- Address or contact information
- Household income
- Employment or other health coverage
- Someone moving into or out of your household
- Other significant household changes
Don't wait until renewal time to tell us. Call, text or email Mudd Insurance Group when something changes so we can help you determine what may need to be updated.
Dental, Vision, Hearing & Other Ancillary Products
Ask us about available:
- Dental Insurance
- Vision Insurance
- Hearing Benefits & Coverage Options
- Other Ancillary Insurance Products
Life Insurance
Ask us about available term life and whole life insurance options and let us help you explore coverage designed to protect the people who depend on you.
Ready To Get Started With Medicare?
If you're turning 65, reviewing your current Medicare coverage, or would like help exploring your Medicare options, start by completing our secure Medicare intake form.
The information provided will help the Mudd Insurance Group team better understand the client's needs before we begin reviewing available Medicare options.
