Coverage Types

Personal Insurance

Your home, your car, your family all deserve more than a generic policy from a faceless company. At Zirkelbach Insurance, we compare rates from the nation's top carriers to build personal coverage that fits your life and your budget. Southeastern Illinois families have trusted us to get it right for over 60 years.

Homeowners Insurance

Complete protection for your home and personal belongings.

Personal Auto Insurance

Protect your vehicle and yourself with comprehensive auto coverage.

Personal Umbrella Insurance

Additional liability coverage beyond your standard policy limits.

Motorcycle Insurance

Complete protection for riders and their bikes on the road.

Boat Insurance

Comprehensive coverage for watercraft, equipment, and peace of mind.

RV Insurance

Specialized coverage for motorhomes, trailers, and mobile adventures.

Jewelry Insurance

Comprehensive protection for valuable jewelry and precious items.

Landlord Insurance

Comprehensive protection for your rental property investment and income.

Rental Dwelling Insurance

Structure coverage for homes you rent out to tenants.

Personal Watercraft Insurance

Specialized coverage for jet skis and personal watercraft operation.

Earthquake Insurance

Protect your home from seismic damage with specialized coverage.