Central States Insurance Brokers

Protecting Your Future, Today

We provide comprehensive insurance solutions tailored to your unique needs. From auto and home to life and business, we've got you covered.

Get Free QuoteOur Services

24/7 Claims Support

900+

POLICIES ACTIVATED

Trusted by families across the country

1M+

Claims Paid

Reliable support when you need it most

75+

Carrier Partners

Giving you the best rates available

Our Insurance Services

Comprehensive coverage options to protect what matters most

Auto & Vehicle Insurance

Get the right coverage for your car, truck, motorcycle, or RV with our flexible and affordable auto insurance plans. We provide peace of mind for every mile of your journey across the open road today.

Home & Property Insurance

Secure your most valuable asset with homeowners insurance that covers your dwelling, personal belongings, and liability. Our policies are crafted to ensure your family remains safe and protected within your cherished home.

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. Stay resilient against nature's unpredictability with our robust financial safety net.

Apartment & GL Insurance

Protect your apartment buildings and business operations with specialized general liability insurance designed for property owners and managers. We offer comprehensive solutions that safeguard your investments and long-term financial stability in today's market.

Rental Property & Landlord Insurance

Landlord insurance provides essential coverage for rental properties, protecting against property damage, liability claims, and loss of rental income. Ensure your real estate investments thrive while minimizing potential risks and unexpected legal costs.

Commercial Auto Insurance

Get comprehensive coverage for your business vehicles, from single vans to entire fleets, ensuring your operations stay protected on the road. Our commercial plans are built to keep your business moving forward efficiently.

Trucking Insurance

Specialized insurance for long-haul trucking and logistics operations, covering OTR trucking, box trucks, and specialized freight transport. We handle the complex compliance details so you can focus on delivering your cargo safely.

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, providing the support needed for successful nationwide freight transport operations.

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. Our expert team ensures your business remains defensible.

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, fostering a secure environment for your workforce.

Services

Why Choose Central States?

Expert Guidance

Our licensed agents provide professional advice to help you navigate the complex world of insurance with ease.

Modern Technology

Manage your policies, file claims, and get support instantly through our user-friendly digital portal.

Local Roots

We are community-focused and understand the specific risks and needs of the areas we serve.

Specialized Coverage

Commercial, Life, Health, Disability, and Specialty lines tailored for every stage of life.

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?

Landlord insurance, also known as rental property insurance, is specifically designed for property owners who rent out their properties. It offers coverage that standard homeowners insurance does not, addressing the unique risks associated with renting out a property.

Key Coverage Options

Property Damage

This includes coverage for the physical structure of the rental property against risks such as fire, storm damage, vandalism & malicious mischief, and water back up. 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. This crucial protection shields your personal wealth from costly legal disputes and lawsuits.

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. This financial safety net protects your cash flow during extensive restoration and rebuilding.

Tenant Damage

Most landlord insurance policies cover accidental damage caused by tenants, although intentional damage may not be covered. This ensures your rental investment stays protected against unexpected repairs. Providing peace of mind for owners who value long-term security and stability.

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 detached garages, garden sheds, fences, or guest houses. This additional protection ensures that your entire real estate investment, including secondary buildings and exterior improvements, remains fully shielded from unexpected damage or loss while providing you with comprehensive peace of mind.

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.

Water Back-up

This coverage protects your rental property from damage caused by water backing up through sewers or drains, or overflowing from a sump pump, even if caused by mechanical failure.

Example Rental Properties We Cover

Dwelling DP-1 & DP-3 Insurance

We offer specialized dwelling fire policies designed specifically for rental properties, providing different levels of protection based on your needs.

DP-1: Basic Form

A basic policy that covers specific named perils like fire and lightning. Often used for vacant properties or when basic coverage is preferred.

DP-3: Special Form

The most comprehensive coverage for rental properties. It covers the dwelling on an 'open peril' basis, providing broader protection against more types of losses.

Comprehensive rental property protection

Get Free QuoteRental Property

Central States Insurance Brokers, LLC.

A Full-Service Insurance Agency

“One stop insurance shopping”

At our agency, we strive to make sure every client that walks through our doors has instant access to a full range of insurance products. Our insurance brokerage firm has spent years building and refining our product list. As a result, you won’t find a more comprehensive selection anywhere else.

Property & casualty

Property & Casualty

Business & commercial

Business Insurance

Life & health

Life and Health Insurance

Our premium insurance plans include:

Any questions? We’re here to answer any questions you may have.

Who We Are

Customer Service - Insurance Broker

As your insurance agent we will not try to make you focus on a particular brand or company and will instead be focused on helping you find the best deal. This will allow you to save money on your premiums and still get a policy that gives you what you need. * Value!

Why Choose Us?

When choosing an insurance agency, you want a company you can trust. We are an independent insurance agency. We do not work for an insurance company; we work for you! As an independent insurance agency, our duty is to our clients’ best interests. As your insurance agent, it is our responsibility to provide YOU the best service and the best coverage, at the best possible price.

Customer Service

Customer service is of paramount importance to us. Our customers recommend us to their family, friends & other businesses. Our expertise is based on well-trained experienced staff that can tailor a comprehensive insurance program for your specific needs. You will have the added benefit of working with agents who understand your needs. Finding the right policy is only the beginning.

Insurance Broker

As your insurance agent we will not try to make you focus on a particular brand or company and will instead be focused on helping you find the best deal. This will allow you to save money on your premiums and still get a policy that gives you what you need.