Pro Insurance Group is a full-service independent insurance brokerage with offices in Elgin and Huntley, Illinois, writing personal lines for clients across the United States. With access to more than 20 personal and commercial lines carriers, we build complete protection programs around your home, vehicles, family, and assets, then re-shop them at every renewal to keep you in the best position on coverage and price.
Our primary service market is Illinois, with deep roots in Huntley, Algonquin, Crystal Lake, Lake in the Hills, and the broader northwest Chicago suburbs. We also serve as an independent insurance agent across Kane County, including Elgin, Aurora, and the Tri-Cities. We hold non-resident licenses in 40+ additional states and regularly serve clients with second homes, multi-state real estate portfolios, relocations, and out-of-state family members.
Whether you are buying your first home, adding a teen driver, building a real estate portfolio, or simplifying coverage for a household with multiple vehicles and toys, we structure your policies to fit your actual life rather than a one-size-fits-all template.
Personal Insurance Products We Write
Every household has a different mix of exposures. We write the full range of personal lines coverages and combine them into bundled programs whenever it produces the best total result.
Auto Insurance
Personal auto insurance for everyday vehicles, commuter cars, family fleets, and high-mileage households. We write standard, preferred, and high-risk auto including SR22 filings.
Learn more about auto insurance | See the car insurance cost guide
Homeowners Insurance
Coverage for the structure of your home, your personal property, your liability exposure, and additional living expenses if your home becomes uninhabitable. We place homeowners with multiple A-rated carriers including Openly, Universal Property & Casualty, Travelers, Hartford, and AAA.
Learn more about homeowners insurance
Renters Insurance
Affordable protection for tenants covering personal property, liability, and additional living expenses. Often required by landlords and almost always worth carrying even when not.
Learn more about renters insurance
Individual Life Insurance
Term, whole, and universal life solutions to protect income, build cash value, fund estate plans, or support business succession. We work with multiple life carriers to match the right product to the right need.
Learn more about individual life insurance
Individual Health Insurance
Health coverage options for individuals and families, including marketplace plans, short-term coverage, and supplemental policies.
Learn more about individual health insurance
Pet Insurance
Coverage for veterinary expenses, illness, accidents, and routine care, available alongside the rest of your personal insurance program.
Learn more about pet insurance
Specialty Personal Coverages
Beyond the core six, we have markets for households with non-standard exposures:
- Personal Umbrella: An additional $1 million or more of liability protection above your auto and home limits, often for a few hundred dollars per year.
- Motorcycle, RV, ATV, Snowmobile, and Boat Insurance: Specialty vehicle coverage from carriers including Foremost, Progressive, Liberty Mutual, and Nationwide.
- Collector and Antique Vehicles: Agreed-value policies that price a classic vehicle at a fraction of standard auto premium.
- Rental and Investment Properties: Landlord and dwelling fire policies for one-off rentals or full real estate portfolios.
- Flood Insurance: Through the National Flood Insurance Program and select private flood markets.
- Earthquake Insurance: Endorsement or standalone coverage for Illinois homeowners in higher-risk zones.
- Special Event Insurance: Short-term liability for weddings, parties, and one-time events.
- High-Risk Auto: SR22 filings, drivers with no prior insurance, and accounts requiring non-standard carrier matching.
Why Bundle Your Personal Insurance
Bundling auto with home, condo, or renters insurance is the single largest discount available to most households, often reducing total premium across both policies by 10 to 25 percent. The savings show up on both sides of the program.
As an independent broker, we have something captive agents and direct writers do not: the flexibility to mix and match carriers when it benefits you. If Progressive is the right fit for your auto and motorcycle, but Hartford is the right fit for your home, we can structure that. The right carrier depends on your household profile, not which comp
any runs the most commercials.
Bundles we frequently write include auto and home, auto and renters, auto with home and umbrella, and full household packages that add motorcycles, RVs, rental properties, and collector vehicles into a single relationship.
Why Choose Pro Insurance Group
Five principles drive how we manage every personal lines account:
- Access to 20+ Carriers. As an independent broker, we maintain appointments with more than 20 personal and commercial lines carriers. Your policy is matched to the right market, not the only one a captive agent can sell.
- Right Coverage, Right Price. Inexpensive insurance is not valuable if you are underinsured at the time of a claim. We start by understanding your assets and exposures, then build the policy around them.
- Carrier Quality Matters. We place clients with carriers that combine competitive pricing with strong claims handling, customer service, and financial ratings.
- Re-Marketed Every Renewal. The market changes constantly. We re-shop your account at renewal to confirm you remain in the best position on both coverage and premium.
- Same-Day Response Standard. Insurance is a customer service business. Clients should never have to wait on us for a policy change, certificate, ID card, or claim question.
Featured Resource
Cost Guide
How Much Does Car Insurance Cost in Huntley, Algonquin & Crystal Lake, IL?
A complete breakdown of the nine factors that drive your auto premium in northwest Illinois, plus how bundling and discounts can lower it.
Read the guide →Frequently Asked Questions
What does personal insurance include?
Personal insurance is a category that covers your home, vehicles, life, health, and other personal assets. The core products are auto, homeowners or renters, life, health, and umbrella. Most households also benefit from one or more specialty coverages such as motorcycle, RV, flood, or pet insurance depending on their exposures.
What is the benefit of using an independent broker for personal insurance?
An independent broker is not contractually tied to any single insurance company. Pro Insurance Group has access to more than 20 carriers, which means we compare coverage and pricing on your behalf rather than fitting you into one company's pricing model. The market competition works in your favor instead of against you.
How does bundling personal insurance save money?
Carriers reward households that consolidate multiple policies because bundled clients retain longer, file fewer fraudulent claims, and produce better loss ratios. Most households that bundle auto with home, condo, or renters insurance save 10 to 25 percent across both policies.
Does Pro Insurance Group serve clients outside Illinois?
Yes. While our offices are in Elgin and Huntley, Illinois, we hold non-resident licenses in 40+ additional states and write personal lines for clients across the country. Most of our personal lines clients are in Illinois, but we have markets and resources for relocations, second homes, and out-of-state family members.
How do I get a personal insurance quote?
The fastest path is a home and auto quote request, which captures the bundle picture in a single submission. You can also call, text, or email us directly. We typically respond the same business day.
Get a Personal Insurance Quote
To get a personalized comparison across our preferred personal lines carriers:
- Request a home and auto quote at proinsgrp.com/request-an-auto-or-home-insurance-quote
- Call us at 833-776-4671
- Text quoteme to 312-878-9416
- Email info@proinsgrp.com
A licensed advisor will review your current coverage, identify any gaps, shop your account across our preferred carrier portfolio, and present options that fit your needs and budget. There is no cost or obligation to compare.