Why Do I Need Garage Keepers Insurance? Real Scenarios [2026]
Why you need garage keepers insurance: real claim scenarios, the gap most business policies leave, and 2026 decisio...
Pro Insurance Group
Insurance Cost Guides and Coverage Answers
Real premium ranges, coverage breakdowns, and plain answers to the questions people actually ask before they buy. Every guide is written by a licensed advisor on our team and reviewed before it goes live.
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Latest Guides
Page 22 of 30.
5 Essential HOA Insurance Policies
The 5 essential HOA insurance policies: directors and officers, property, general liability, fidelity, and umbrella...
Common HOA Insurance Claims
Common HOA insurance claims include directors and officers, liability, water damage, and weather losses. Learn how ...
Do I Need Landlord Insurance For Short-Term Rental?
Do you need landlord insurance for a short-term rental? Yes, standard homeowners policies exclude paid guests. Here...
Key Differences Between HOA Fees And HOA Insurance
HOA fees pay for shared maintenance and amenities. HOA insurance is a master policy covering property and liability...
HOA Insurance Requirements in Illinois (2026 Guide)
Illinois HOA and condo associations must carry property, general liability, a fidelity bond, and D and O coverage. ...
Does My Landlord Insurance Cover Multiple Properties?
Does landlord insurance cover multiple properties? Often yes, through a blanket or scheduled policy. See how Illino...
How Much Does HOA Insurance Cost in 2026? | Pro Insurance Group
HOA insurance costs $2,400 to $75,000+ per year depending on community size and property type. See what drives the ...
Does Landlord Insurance Cover Tenant Property Damage?
Does landlord insurance cover damage caused by tenants, and does it cover their belongings? Both answers, plus the ...
Working With an Independent Broker
The questions people ask before they call.
Does it cost more to buy through an independent agency?
No. Pro Insurance Group charges no agency fees, and carrier rates are filed with the state, so the premium is the same whether you buy direct or through us. The difference is that we can put your risk in front of more than 20 carriers instead of one.
Who actually writes these guides?
Licensed advisors on our team. Commercial guides are written by Neal Fusco, VP of Commercial Lines, who has 25 years across both the carrier and agency sides. Personal lines guides are written by Dave Rysavy, VP of Personal Lines. Every guide is reviewed before it publishes.
Are the premium ranges in these guides real?
They are ranges, not quotes. We publish what we see across the carriers we place business with, broken out by business profile or risk factors so you can find the row that looks like you. Your actual premium depends on your specific exposure, claims history, and location.
How long does it take to get a real quote?
A few minutes to start. You give us the basics, an advisor shops your risk across our carrier panel, and you get options with the reasoning behind each one. There is no obligation and no fee to see what is available.
Independent. Local. No agency fees.
Reading Is Smart. Saving Is Better.
You have done the homework. Now let a local advisor shop 20+ top-rated carriers and find your right coverage at the right price. It takes a few minutes and there is no obligation.