Quick Answer: Pro Insurance Group is an independent insurance agency serving families across western Lake County, from Wauconda and Island Lake to Grayslake, Volo and Lake Zurich. We compare home, auto, condo, umbrella and life insurance across 20+ carriers instead of selling one company's policy, and we re-shop your coverage at every renewal. Your local producer, Patrick McHugh, lives nearby in Port Barrington. Call 833-776-4671 or request a quote online.
An Independent Agent for Western Lake County
A captive agent represents one insurance company. An independent agent represents many and works for you. That difference matters most when a carrier raises your rate or pulls back from your area: with an independent agency, we move your coverage instead of you starting over.
- One conversation, many carriers. We gather your information once and compare it across the carriers that fit your home, cars and budget.
- A review before a quote. Send us your current declarations pages and we will show you what they cover and where the gaps may be.
- A second look every renewal. Your coverage gets re-checked against the market instead of auto-renewing.
Personal Insurance for Lake County Families
- Homeowners insurance for single-family homes, including rebuild cost, water backup and liability.
- Condo (HO-6) insurance that fits your association's master policy.
- Manufactured home insurance for homes in land-lease and 55+ communities.
- Auto insurance, teen drivers, and home and auto bundles.
- Personal umbrella insurance for households with savings to protect.
- Boat insurance for weekends on the lakes.
- Flood insurance, which most homeowners policies do not include.
- Life insurance for growing families.
What Lake County Homeowners Should Know
Water is the big one. Lake County is full of lakes, and the Fox River and Chain O'Lakes sit along its western edge. FEMA is clear that most homeowners policies do not cover flood damage, and a new National Flood Insurance Program policy usually takes 30 days to start. If you live near the water, it is worth checking your flood zone and your options well before spring.
Associations and shared walls. Many Lake County homes sit inside condominium or homeowners associations. Your own policy has to match what the association's master policy leaves to you, including interior upgrades and your share of any assessment.
55+ and land-lease communities. Manufactured homes in land-lease communities need a policy built for manufactured housing, and the most important detail is whether a loss is paid at replacement cost or actual cash value.
Communities We Serve in Lake County
We work with families in Wauconda, Island Lake, Volo, Grayslake, Lake Zurich, Round Lake, Fox Lake, Lake Barrington, Port Barrington, Hawthorn Woods, Mundelein and Libertyville, and throughout the surrounding area. Nearby in McHenry County? See our McHenry County agency page.
Patrick McHugh
Personal Lines Producer, Pro Insurance Group
Patrick has more than 30 years in insurance, including 27 running his own agency, and lives in Port Barrington. He works with families across western Lake County. He will review your current home and auto policies, free, by phone, by video, or at our Huntley office.
The Pro Insurance Difference
We Shop 20+ Carriers
One application. We compare the carriers that fit your home and cars instead of selling you one company's product.
We Re-Shop Every Renewal
Carriers raise rates quietly over time. We re-check your premium against the market each year so you stay in the best position.
We Handle The Switch
Changing carriers is easy. We coordinate the new policy and cancel the old one for you.
What Our Clients Say
Lake County Communities and Guides
Local pages and guides for the communities Patrick and our team serve every day.
Common Questions
Do you have an insurance agent who serves Lake County, IL?
Yes. Patrick McHugh, our personal lines producer, lives in Port Barrington and works with families across western Lake County, including Wauconda, Island Lake, Volo, Grayslake and Lake Zurich. He can meet by phone, by video, or at our Huntley office.
What is the difference between an independent and a captive insurance agent?
A captive agent sells one company's policies. An independent agent represents many carriers, so your coverage is compared across all of them at once and re-shopped at renewal. If one carrier raises your rate or changes its appetite, you do not have to start over.
Does homeowners insurance cover flooding near the Chain O'Lakes or the Fox River?
No. FEMA states that most homeowners and renters insurance does not cover flood damage. Flood coverage is a separate policy, and a new National Flood Insurance Program policy generally takes 30 days to start, so it needs to be in place before high water.
Can I bundle home and auto insurance in Lake County?
Usually, yes. Bundling home or condo insurance with auto is often the largest discount available. We compare bundled and separate pricing across 20+ carriers and show you the combined total.
How fast can I get a quote?
Most personal lines quotes are finished the same day. Having your current declarations pages, driver license numbers and vehicle details ready makes the first quote accurate.
Get a Second Look at Your Coverage
Send us your current declarations pages. We will show you what they cover, where the gaps are, and what 20+ carriers would charge.
Get My QuoteCall 833-776-4671
Reviewed by Patrick McHugh, Personal Lines Producer
Illinois licensed insurance producer #2121371. Licensed since 1992, and ran his own agency for 27 years before going independent. Lives in Port Barrington and serves western Lake County.
Last updated October 2026