A fresh approach to insurance.

How can we help you today?

Call Us at 630-377-0700!

Auto
Insurance
Home
Insurance
Life
Insurance
Business
Insurance
Fire District
Insurance
Workers
Compensation

Railside Citrus Insurance Agency

An agency focused on you.

Remember when you got your first insurance policy? Chances are you bought it from your parents’ insurance agent. But over time, your needs have changed, and so has the insurance business.

Railside Citrus is an independent insurance agency with a fresh approach: candid, creative, and compassionate. David Broz started the agency in 2015 to carry out those values while developing a personalized insurance experience to help ensure clients receive the exact insurance coverage they need and not cookie-cutter coverage.

Because we’re an independent insurance agency, Railside Citrus can shop for insurance plans tailored to your unique situation. Our creativity, experience, and a broad range of products enable us to think differently about our clients’ needs. That means we’re likely to find ways to protect you that you didn’t think of—and find ways to save you money by reducing coverage where you don’t really need it. Read more about us!

Who We Serve

  Businesses
  Fire Districts
  Non-Profits
  Public Entities
  Individuals & Families

The Solution To Your Insurance Needs

Providing a variety of business insurance, specialized business insurance, personal insurance, and employee benefits solutions is what Railside Citrus Insurance Agency does best.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Employee Benefits

Coverage that can help attract, retain, and protect your team.

Specialized Insurance

We Specialize In Protecting Fire Protection Districts and Public Entities

Insurance for fire districts, public entities, school districts, and other government entities are just a few of our specialties. We know how to assess the unique risks and exposures of these industries. Our creativity and experience allow us the ability to find the right products for you at a budget-friendly price.

Fire District
Insurance
Public
Entities
Non-Profit
Insurance

  Get Your Insurance Quote

See how we deliver a fresh approach to the insurance experience.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Real clients. Real reviews. Real coverage.

“I cannot say enough positive things about Railside Citrus. They are responsive, friendly, reliable, and dedicated to finding the right insurance at the best price for our home, auto, and business. Make them the first stop when shopping insurance.”

– Julie L.
Read More Reviews

Railside Citrus Insurance Agency - Logo 500

What Makes Railside Citrus Insurance Agency Special

Here’s what sets us apart when it comes to serving your insurance needs.

We’re candid.

Our approach is to tell it like it is. If you have risks that aren’t covered, we’ll let you know. And we’ll let you know if you’re paying for coverage you don’t need.

We’re creative.

We take time to listen to your unique situation and do the work required to understand your needs and find the right products—and we do all that with an eye on your budget constraints.

We’re compassionate.

We care about our customers. When something bad happens, the last thing you want to worry about is your insurance. We’re here to help with claims and anything else we can.

We are proud to protect fire districts, public entities, non-profits, businesses, individuals, and families of the greater Chicagoland area. We are also licensed to serve across Illinois, Iowa, Indiana, Wisconsin, Michigan, Missouri, Florida, and Tennessee.

Interactive Graphic

Click it. Read it. Cover it.

Get a glimpse of the risks you face and how your insurance can protect what matters most.

Home

Fire

Risk Factor

Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.

Solution

Make sure your homeowners policy contains guaranteed replacement cost coverage. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. Also be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.

Personal Property / Contents - Property Damage

Risk Factor

When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.

Solution

Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.

Additional Living Expense / Loss of Use

Risk Factor

When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.

Solution

Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.

Jewelry, Fine Arts, and Collectables

Risk Factor

If your diamond ring disappears or valuable artwork is stolen, your standard homeowners policy may not compensate you for the loss. Homeowners policies include coverage for your belongings and personal property, but some special items like jewelry, furs, silverware, antiques, collectibles, and other valuables have limited or no coverage and need to be insured separately.

Solution

Valuable possessions insurance covers personal property that may have unique value, cannot be replaced like regular personal property or is subject to special types of losses such as breakage or mysterious disappearance. For most valuable possession categories, there is no deductible applied at time of loss. Valuable possessions insurance can be added to your homeowners policy or may be written as a separate policy.

Medical Expenses

Risk Factor

If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.

Solution

Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.

Personal Liability

Risk Factor

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.

Solution

Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

Miscellaneous Coverage

Risk Factor

The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.

Solution

You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.

Personal Injury

Risk Factor

Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.

Solution

Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but it may not cover rumors or statements that damage a reputation. You need to add an endorsement to your policy to expand coverage to include liability protection that covers personal injury.

Umbrella / Excess Liability Coverage

Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?

Solution

An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Flood Coverage

Risk Factor

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?

Solution

Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.

Secondary Home

Risk Factor

Owning a secondary home has the potential of increasing your liability exposures.

Solution

Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.

Collector Cars

Risk Factor

Collector vehicles often have significant value and require specialized insurance coverage and claims handling.

Solution

Schedule your collectible vehicle on a separate collector car policy. By doing so, you are protecting the vehicle for either the appraised value or market value.

Wine Collection

Risk Factor

If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.

Solution

If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.

Water Backup

Risk Factor

Most homeowners policies exclude coverage for water back-up damages as a result of a clogged drain, sewer, or sump pump.

Solution

Water backup coverage can be added to most insurance policies. Consider adding it so that you have the coverage you need in the event of damages caused by a clogged drain, sewer, sump pump, and related risks.

Off-Premises Theft

Risk Factor

Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.

Solution

Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.

Home Insurance 101

Make sure you cover the unique risks you face with home insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
Not what you’re looking for?

Find even more interactive graphics for cyber liability insurance, public entity insurance, and life insurance.

Railside Citrus Insurance Agency - Logo 500

Manage Your Account Now

How can Railside Citrus Insurance Agency help?

24/7 Client Center
Report a Claim

Get support in filing your claim.

Policy Change

Fine tune your policy options.

Request Certificate

Get proof of your insurance quickly.

Auto ID Card

Lose your card? Get a new one.

Pay Bill

Make payments securely online.

Policy Review

Compare your coverage with your current needs.

  Contact Railside Citrus Insurance Agency

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.