Skip to main content
CFC Insurance
CFC Insurance
  • Careers
  • 309.243.1010
  • Personal
    • Bank
      • Checking Accounts
      • Better Savings
      • Money Market Account
      • Health Savings Account
      • CDs & IRAs
      • Additional Services
    • Lend
      • Car Loans
      • Home Loan
      • Home Equity
      • Personal Loans
      • Credit Card
    • Manage
      • Digital Banking
      • Digital Wallet
      • Education Center
      • Security Center
  • Business & Agriculture
    • Bank
      • Business Checking 
      • Business Saving
      • Agriculture Services
      • Additional Services
    • Lend
      • Commercial Loans
      • Agriculture Loans
      • Small Business Loans
      • Business Credit Cards
    • Manage
      • Cash Management
      • ACH Services
      • Positive Pay
      • Remote Deposit Capture
      • Merchant Services
      • Digital Banking
  • Investment
    • Services
      • Investment Management
      • Retirement Planning
      • Trust & Estate Planning
      • College Planning
      • Special Needs Planning
    • Resources
      • Articles
      • About LPL
      • WealthVision
      • Client Account View
      • FAQs
    • About Us
      • Our Team
      • Our Process
  • Insurance
    • Services
      • Auto Insurance
      • Home Insurance
      • Life Insurance
      • Business Insurance
      • RV Insurance
      • Flood Insurance
      • Umbrella Insurance
    • Resources
      • Articles
      • Did You Know?
    • About Us
      • Why CFC Insurance
      • Meet Our Team
  • About
    • Our Communities
      • Glasford
      • Bartonville
      • Dunlap
      • Wyoming
      • Peoria
      • Chillicothe
      • Morton
      • Astoria
    • Careers
      • Career Opportunities
      • Our Benefits
      • Our Culture
    • About Us
      • Our Team
      • Who We Are
      • Employee-Ownership
      • Our History
Account Access
Choose Login
  • Digital Banking
  • Cash Management
  • My Investments
  • Manage Credit Card
Enroll in Digital Banking
CFC Insurance FAQs

Did You Know?

The more you know, the Better your coverage.

  • More than 80% of catastrophic accidents involve motor vehicles. Personal auto policies can provide liability coverage, which protects you financially if you’re responsible for an accident. They can also provide coverage to protect your investment in your vehicle, pay medical bills (regardless of who is at fault), or even help if your car breaks down.
  • Swimming pools, trampolines, wood stoves and pets can affect pricing and eligibility for your home policy. Be sure to contact your agent if you acquire any of these after the policy is written.
  • Your home policy does not automatically cover your recreational vehicle for theft or physical damage, such as hail, fire, collision or vandalism. Talk to your agent to schedule it on your home or auto policy, or buy a separate RV policy.
  • Some homeowner’s policies only cover liability for 4-wheelers and riding lawn mowers while you’re using them on your premises. Once you leave the insured location, there may be no liability coverage at all. There is also no coverage for the recreational or motorized vehicle itself, whether you’re on or off premises. Contact us to be sure you’re protected.
  • The average cost of property damage caused by a flood is $39,000 and it can take less than 1 foot of water to cause it.
  • Juries determine damages on the severity of an accident and the personal trauma to the victim, not your ability to pay those damages. Anyone who operates a motor vehicle or owns a home is vulnerable to legal action. If you have a swimming pool or own a pet, your need for extra protection is even greater. The same is true if you own an ATV, RV, boat or motorcycle. Talk to us about an umbrella policy, which can protect you from losing assets you’ve worked so hard to build.
  • Coverage for accessories and custom equipment is limited for recreational vehicles. Most companies only include up to $3,000 for parts which are not factory installed. Be sure to tell your agent if you need additional coverage.
  • Almost 40% of Americans will leave their families in financial distress when they die. Not because they haven’t made provisions, but more likely because 70% of us with life insurance are underinsured.
  • Many vehicles used solely for personal travel aren’t covered under your personal auto policy because of corporate ownership, vehicle size or higher limit requirements. Talk to us about a commercial auto policy for your corporate-owned vehicle, or vehicles weighing one ton or more. 
  • Most home policies limit coverage for contents located in a storage unit to 10% of the personal property limit.
  • Your auto policy will only cover a trailer for liability while it is being pulled by your insured vehicle. You may be able to add it on your home or auto policy, or buy a separate RV policy for physical damage and liability coverage while it is parked.
  • The personal auto policy excludes coverage when you use your vehicle for business. This includes delivery or transportation of people for a fee (such as Uber), or if you’re a health care worker driving a patient to the doctor or pharmacy. Talk with your agent if you plan to use your vehicle for something other than personal use or commuting back and forth to work.
  • Nearly all policies providing multi-peril property coverage exclude flood damages.
  • If you are a sole proprietor, you can be held personally responsible for judgements brought against your business.
  • An umbrella policy can provide coverage for legal defense costs and personal injury. Examples of personal injury are: libel, slander, false arrest, mental anguish, defamation of character, invasion of privacy and wrongful eviction.
  • The national median cost of a funeral with a burial is $7,300, according to the National Funeral Directors Association.
  • In addition to protection for your home and contents, a homeowner policy provides coverage for additional living expenses when your home is unlivable because of a covered loss. This could include hotel costs or monthly rent for a temporary location. If you rent your home, a renter’s policy will provide coverage for your contents and additional living expenses as well.
  • Coverage for floods, earthquake, and water backup from sewers or drains are just a few of the types of losses which are not automatically covered on a homeowner’s policy. Most companies offer coverage as an endorsement to the policy, for an additional charge.  Contact us to discuss which coverage is available.
  • Damages are determined based on the severity of an accident and the trauma to the victim, not your ability to pay those damages.
  • The homeowner’s policy limits theft coverage for items such as jewelry, firearms, collectibles, fine arts, etc.  Talk to us about scheduling items on the policy to ensure you are adequately protected.
  • An umbrella policy can even provide coverage for losses that occur outside of the country.
  • Most home policies only cover liability for recreational vehicles while they’re at your home. Once you leave the insured location, there may be no liability coverage at all. There's no physical damage coverage for RVs, whether you’re on or off premises.
  • The premium amount increases on average eight to ten percent for every year of age, so apply for coverage earlier rather than later.
  • 25% of all flood insurance claims occur in areas considered to be at lower risk for floods.
CFC Insurance

Get the coverage you need.

We are here to serve you and all of your insurance needs.
  • Get a Free Quote
  • Spring Showers

    Maintaining a Dry Basement this Spring

    The long months of cold temperatures and snow are slowly but surely coming to an end! As we begin to watch the spring thaw, we must prepare for the next element of Mother Nature that is fast approaching – rain. +
  • Wrap Up Your Insurance with CFC Insurance

    Wrap Up Your Insurance for the Holidays

    The holiday season is one of joy and cheer but can come with increased risks. Holiday disasters like house fires, vandalized decorations, and home burglaries often spike over the holidays. +
  • Does your child need auto insurance?

    Car Insurance Coverage for College Students

    If you’re sending your child to college soon with a car, it's a good idea to review your current insurance policy to make sure it provides the protection they’ll need, whether living on campus or commuting. +

What are you looking for today?

When autocomplete results are available use up and down arrows to review and enter to select.

Common Searches:

  • Open an Account
  • Make a Payment
  • Enroll in Digital Banking
  • Routing Number: 071120207
Better Banks footer

Download Our Mobile App

  • Apple
  • Google Play

Connect With Us

  • Facebook
  • Instagram
  • Linkedin
Website Design by LKCS
  • Routing Number: 071120207
  • Privacy & Disclosures
  • Upload
  • Sitemap
When autocomplete results are available use up and down arrows to review and enter to select.
  •  Careers
  •  Contact Us
  •  309.272.1000
Better Banks personal banking menu
Open An Account
Ready for a Change? Stay local with Better Banks.
Open an Account Now
  • calculators for financial use Calculators
  • apply for a loan Forms
  • save money Make a Payment
Better Banks Business Menu
Better Business Solutions
Business is competitive, you need a competitive edge!
Business Checking Details
  • calculators for financial use Calculators
  • apply for a loan Forms
  • save money Make a Payment
Investment Strategists at Better Banks menu
Investment Strategists
An investment team built for you, from people you trust.
Contact Us
  • calculators for financial use Calculators
  • apply for a loan Forms
  • save money Make a Payment
CFC Insurance menu
CFC Insurance
Whether it's car, home, or life, we've got you covered.
Get a Free Quote
  • calculators for financial use Calculators
  • apply for a loan Forms
  • save money Make a Payment
learn more about Better Banks
Your Community Bank

We're only as strong as the communities we serve.

Learn More
  • calculators for financial use Calculators
  • apply for a loan Forms
  • save money Make a Payment