Central States Insurance Brokers
We provide comprehensive insurance solutions tailored to your unique needs. From auto and home to life and business, we've got you covered.
Our Mission
At Central States Insurance Brokers, we believe that peace of mind shouldn't be a luxury. Our dedicated team of experts works tirelessly to find the perfect coverage for your specific situation, ensuring you're protected against the unexpected.
Expertise in:
- Personalized coverage assessments
- Competitive rates from top-rated carriers
- Transparent and honest advice
- Efficient and supportive claims process
Let us handle the details so you can focus on what matters most.
Our Insurance Services
Auto & Vehicle Insurance
Get the right coverage for your car, truck, motorcycle, or RV with our flexible and affordable auto insurance plans.
Plan Details:
- Liability, collision, and comprehensive coverage
- Uninsured and underinsured motorist protection
- Roadside assistance and rental car coverage
- Safe driver and multi-policy discounts
Home & Property Insurance
Secure your most valuable asset with homeowners insurance that covers your dwelling, personal belongings, and liability.
Plan Details:
- Dwelling and personal property protection
- Liability coverage for accidents on your property
- Loss of use coverage for temporary living expenses
- Flood, earthquake, and umbrella policy options
Wind Hail Tornado Deductible Gap
Bridge the financial gap of high wind, hail, or tornado deductibles with specialized coverage that protects your bottom line after severe weather events.
Plan Details:
- Reimbursement for high out-of-pocket deductibles
- Coverage for wind, hail, and tornado damage gaps
- Protects cash flow after major storm losses
- Fast and simple claims processing
Apartment & GL Insurance
Protect your apartment buildings and business operations with specialized general liability insurance designed for property owners and managers.
Plan Details:
- Bodily injury and property damage coverage
- Personal and advertising injury protection
- Medical payments coverage
- Specialized plans for multi-unit complexes
Rental Property & Landlord Insurance
Landlord insurance provides essential coverage for rental properties, protecting against property damage, liability claims, and loss of rental income.
Plan Details:
- Dwelling and physical structure protection
- Liability coverage for tenant-related accidents
- Loss of rental income protection
- Accidental damage caused by tenants
Commercial Auto Insurance
Get comprehensive coverage for your business vehicles, from single vans to entire fleets, ensuring your operations stay protected on the road.
Plan Details:
- Commercial liability and collision coverage
- Contractor & GL Insurance
- Hired and non-owned auto protection
- Cargo and equipment coverage
- Flexible plans for various business sizes
Trucking Insurance
Specialized insurance for long-haul trucking and logistics operations, covering OTR trucking, box trucks, and specialized freight transport.
Plan Details:
- OTR Trucking Insurance
- Primary liability and motor truck cargo
- Physical damage and bobtail coverage
- Non-trucking liability options
- Regulatory compliance and filing support
OTR Trucking & Cargo Insurance
Dedicated protection for over-the-road trucking operations and the valuable cargo they carry. We specialize in comprehensive coverage for owner-operators and fleets.
Plan Details:
- Motor Truck Cargo coverage (up to $1M+)
- General Liability and Physical Damage
- Reefer and specialized freight options
- Intermodal and container coverage
Professional & GL Insurance
Protect your professional reputation and business assets with specialized errors and omissions (E&O) and general liability insurance tailored for consultants, contractors, and service providers.
Plan Details:
- Professional Liability (Errors & Omissions)
- General Liability and Business Owners Policy (BOP)
- Cyber Liability and Data Breach protection
- Employment Practices Liability Insurance (EPLI)
Work Comp WC Insurance
Ensure your business and employees are protected with comprehensive workers' compensation insurance. We help you manage workplace safety risks and stay compliant with state regulations.
Plan Details:
- Coverage for workplace injuries and illnesses
- Medical expenses and lost wages protection
- Employer liability coverage
- Safety program and risk management support
Rental Property Insurance
Landlord insurance provides essential coverage for rental properties, protecting against property damage, liability claims, and loss of rental income.
What is Landlord Insurance?
Key Coverage Options
Property Damage
This includes coverage for the physical structure of the rental property against risks such as fire, storm damage, and vandalism. It typically covers repairs to the building itself and may also include coverage for appliances and furnishings owned by the landlord.
Liability Protection
If a tenant or visitor is injured on the property and sues the landlord, liability coverage helps cover legal fees and any settlements or judgments against the landlord.
Loss of Rental Income
If the property becomes uninhabitable due to a covered loss (like a fire), this coverage can compensate the landlord for lost rental income during the repair period.
Tenant Damage
Most landlord insurance policies cover accidental damage caused by tenants, although intentional damage may not be covered.
Vacant Under Renovation
We provide specialized coverage for properties that are currently unoccupied while undergoing renovations or improvements. This protects your investment during the construction phase when standard policies may have exclusions.
Additional Structures
Coverage may extend to other structures on the property, such as garages or sheds.
Wind Hail & Tornado Deductible
We offer customizable deductible options for wind, hail, and tornado damage, allowing you to manage your risk and premium costs effectively based on your property's location and needs.
Vandalism & Malicious Mischief
This coverage protects your rental property against intentional damage or destruction caused by others, providing an extra layer of security for your investment.
Example Rental Properties We Cover
Dwelling DP-1 & DP-3 Insurance
DP-1: Basic Form
DP-3: Special Form
Central States Insurance Brokers, LLC.
A Full-Service Insurance Agency
“One stop insurance shopping”
All Types of Insurance
- Auto insurance
- Home-owners insurance
- Dwelling DP-1 DP-3 insurance
- Replacement cost - ACV
- Multiple Home insurance
- Landlord property insurance
- Wind Hail Tornado Deductible
- Renter’s insurance
- SR-22 insurance - Filings
- Business Auto insurance
- Commercial insurance
- BOP insurance plans
- Rental Property insurance
- Umbrella insurance
- Contractors
- Commercial Auto
- Box Trucks
- OTR Trucking
- Professional insurance
- Property insurance
- Excess & Surplus
- General Liability insurance
- Worker’s Comp insurance
- Surety Bonds
- Many Other Types
Life and Health Insurance
Our premium insurance plans include:
- IUL Indexed Universal Life
- Life and Health
- Life insurance with Living Benefits
- Children Whole Life plans
- Term & Whole Life insurance
- Final Expense insurance
- Dental and vision insurance
- Disability insurance
- Cancer & Critical Illness insurance
- Employee Benefits insurance
- Accident insurance
- Group Health Insurance
- Retirement Plans
- Set Up Trusts
- Senior life insurance
- Supplement Plans
- Medicare insurance
- ...and more - Ask!
Any questions? We’re here to answer any questions you may have.
Why Choose Us?
Customer Service
Insurance Broker
Why Choose Central States?
Our Legacy of Trust
Core Values: Integrity, Reliability, Commitment, Transparency, Excellence