Frequently Asked Questions
We love questions!
People who ask questions are interested in learning more. And people who want to learn about insurance are our kind of people!
If you have questions about insurance or about Railside Citrus Insurance Agency, you’ve come to the right place. Don’t see your question? Give us a call at (630)377-0700 We’d love to help!
What types of insurance do you offer?
- Auto
- Home
- Life
- Business
- Specialties:
- Non-profits
- Fire Protection Districts
- Public Entities
- Pet
…and more
What types of personal insurance do you offer?
- Auto
- Home
- Life
- Watercraft
- Motorcycles, ATV’s, Golf Carts, etc.
- Jewely
…and more
What types of business insurance do you offer?
- Liability
- Umbrella
- Auto
- Property
- Workers’ Compensation
- Bonds
…and more
Who owns Railside Citrus Insurance Agency?
We were founded by and remain locally owned by agent Dave Broz. He opened the business in downtown Elburn, Illinois in 2015. We continue to serve clients at that location, plus at offices in Naperville and St. Charles.
Where did the name come from?
The “Railside” represents the locations of our Elburn and Naperville offices which happen to be near railroad tracks, and our St. Charles location which once was a railroad station! The “Citrus” is a play on words, representing our fresh approach to insurance. We protect the fruits of your labor.
How long have you been in business?
We have been in operation since 2015.
What does an independent insurance agency do?
We work with a variety of insurance companies to provide access to a range of coverage options. We take the time to discuss your insurance needs, compare available options, and help you evaluate coverage, features, and pricing so you can make an informed decision.
What are the benefits of working with an independent agency rather than an insurance company directly?
Working with an independent insurance agency gives you access to a variety of insurance companies through one local agency. We can help you compare coverage options, policy features, and pricing from multiple carriers so you can make an informed insurance decision.
If you have questions about your policy or need to report a claim, our team is available to assist you, answer questions, and help facilitate communication with your insurance company throughout the claims process.
What is a boutique insurance agency?
A boutique insurance agency offers a more personal approach to customer service while providing access to a variety of insurance companies. At Railside Citrus Insurance Agency, we take the time to understand your insurance goals, discuss available coverage options, and answer your questions. Our focus is on responsive service, clear communication, and helping individuals, families, businesses, and organizations explore insurance solutions that align with their needs and budget.
Do I make a claim with you or call the insurance company directly?
Contact us to report a claim. Our team is available to answer your questions, provide claim reporting information, and help facilitate communication with your insurance company throughout the claims process.
For emergencies or after our regular business hours (Monday through Friday, 9:00 a.m. – 5:00 p.m.), we recommend contacting your insurance company directly using its 24-hour claims reporting number.
What is umbrella insurance?
Umbrella insurance is an extra layer of liability coverage that may help when your other insurance policies reach their limits. It may help protect your assets by covering costs like legal fees and damages if you’re sued for injury or property damage.
What are the benefits of bundling home and auto insurance?
Bundling home and auto insurance may save money and simplify management. It may also allow for enhanced coverage options and may lead to increased loyalty discounts.
Bundling your insurance policies with the same insurance company can simplify your insurance experience by giving you a single point of contact for many of your policies.
How often should I review and update my insurance coverage?
You should review and update your insurance coverage every year. Also review your coverage when you’re making significant life changes. For example, buying a new home, getting married, having children, changing jobs, and acquiring valuable assets are all reasons to learn about insurance options that might make a difference. Regularly assessing your coverage will help to keep it adequate to help protect your evolving needs and circumstances.
What are some things I can do that may help reduce my insurance rates?
- Use an Agent to Shop Around For You.
- Bundle Policies
- Increase Deductibles
- Maintain a Good Credit Score
- Safe Driving
- Home Safety Features
- Review Coverage Limits
- Loyalty Discounts
- Ask About Discounts
- Reduce Coverage on Older Vehicles
- and more
Can you help me explore insurance solutions that address a variety of insurance requirements?
Many insurance policies offer options that allow you to adjust coverage limits, deductibles, and, where available, add optional endorsements. Available options vary by insurance company and policy. Our team can discuss the available coverage options and answer your questions so you can make an informed insurance decision.
How do I pay for my insurance?
How do I buy life insurance?
Can you help me with insurance for a new teenage driver?
Yes! Railside Citrus loves to help with insurance for a new teenage driver. We’ll offer guidance on coverage options and customizing policies to fit your teen’s needs. We can help you learn about insurance discounts that can lower premiums and we’ll compare quotes from multiple insurers. Our team can provide you with advice on risk management to lower the likelihood of accidents. Railside Citrus will also assist you with claims.
What do I need to do to work with you?
That depends on the type of insurance you’re interested in purchasing. We may need some information or copies of documents to get started. If you’d like to learn more about insurance options, give us a call at (630)377-0700.
How do we get started working together?
It’s easy! Just give us a call at (630)377-0700. We’ll ask you a few questions and take it from there.
We can’t wait hear from you!
Can I switch my insurance before the renewal?
Yes, you can typically switch your insurance before your policy’s renewal date.
We will happily aid in the transition by guiding you through policy comparisons, handling paperwork, and ensuring a seamless process.