• Personal Insurance

  • Automobile Insurance

    At S/S Insurance Agency, we know auto insurance isn’t one size fits all. You need protection that is as unique as you are, and we offer policies for people in Lebanon, Mascoutah, New Baden, and throughout Clinton, Madison, and St. Clair Counties, we provide peace of mind through auto insurance and competitive rates. We invite you to contact us to determine the best coverage for you and your family. Available coverage includes:

    • Liability Insurance
    • Collision Insurance
    • Comprehensive Insurance
    • Medical Payments Coverage
    • Personal Injury Coverage
    • Uninsured Motorist Coverage
    • Underinsured Motorist Coverage
  • How Much Auto Coverage Do I Need?

    The State of Illinois requires “minimum auto insurance” for any registered automobile. Most insurers offer “bare bones” insurance policy, which insures the driver of the vehicle only for damages they may become liable (found at fault) for in the event of an accident. However, how far do you think $50,000 or $100,000 of bodily injury will last at a Hospital? If the medical expenses are over your coverage amount, you can be held responsible for the excess charges. Talk with an agent to ensure you’re covered for everything that could go wrong on the road!

  • How Can I Save on Car Insurance?

    With discounts for safe driving, certain safety features, and even good grades, you’ll be amazed at how much you can save. Other features include Vanishing Deductibles, New Car Replacement, Accident Forgiveness, and Smart Phone App’s that help you get the most value of your insurance policy. Be sure to review all the available options with your agent to ensure your policy represents and accommodates for your specific needs!

  • RV & Motorcycle Insurance

    Love touring the countryside with family and friends in your RV? Just bought a bike and ready to hit the road? Count on S/S Insurance, in Clinton County IL, for insurance options that keep you and all of your vehicles safe; wherever the road may take you. From accidents and injuries to roadside emergencies, we offer coverage options for:

    • RVs
    • Travel Trailers
    • Campers
    • Fifth-Wheel Campers
    • Motorcycles
    • Mopeds
    • Hybrid Campers
    • Pop-Up Campers
      • Scooters
      • ATVs
      • Boats
      • Etc.

  • Homeowner’s Insurance

    S/S Insurance Agency understands that your home is a big investment, which is why we offer customized coverage at an affordable price. Our policies protect homes in Lebanon, Mascoutah, New Baden, and throughout Clinton, Madison, and St. Clair Counties; featuring extra coverage options for furniture, valuables, etc. Don’t leave your home underinsured, talk to our agents about your options.

  • What Should My Homeowner’s Policy Include?

    • Property Coverage
    • Personal Property Coverage
    • Liability Coverage
    • Other Structures Coverage (sheds, pool houses, etc.)
    • Other Necessary Coverage (speak with an agent)
  • What Is Not Included?

    • Water/Sewer Backup
    • Earthquakes
    • Floods
    • Jewelry
    • Musical instruments
    • Coins
    • Silverware
    • Furs
    • More…
  • What Discounts are Offered?

    • Home Buyer Discount
    • Multi-Policy Discount
      • New Home Discount
      • Protective Devices Discount

  • What About Renter’s Insurance?

    Your landlord's policy may not cover your personal belongings. Renters Insurance makes so much sense, and it's cheaper than you think — you can add the policy to your auto policy for about $4 more a month.  A lot of things can happen to your place; busted pipes, kitchen fires, even thieves that want your stuff. A renter’s policy protects your things, your home, and living expenses in case something really bad happens!

  • Life Insurance

    A life insurance policy provides financial protection for an untimely death. Funeral costs, unpaid expenses, and other obligations can drain a family, financially, when someone dies. However, life insurance policies may also offer living benefits. Depending on your specific coverage, these living benefits include: 

    • Cash for a Down Payment
    •  Tax-free College Expense Funds
    • Tax-Free Retirement Supplements 
    • Long-Term Care Expenses
    • Tax-Free Estate Planning
    • Talk to an Agent About All the Benefits
  • Term Life Insurance

    Term policies provide protection for a specific period of time. These are typically used to cover the excess amount over permanent insurance during your high debt period i.e. ages 25 to 50. Premiums are paid to provide a death benefit to one or multiple beneficiaries upon your death.

  • Permanent Life Insurance

    Permanent insurance provides protection for your entire life, regardless of future health changes. As long as premiums are being paid, you’ll receive coverage. However, premiums may need to be increased based on the rising cost of insurance. Furthermore, these policies may accrue a cash value that can be used during life!

  • Health Insurance

    If you're self-employed or not covered by your employer, an individual health insurance plan provides protection and peace of mind for you and your family. High deductible plans are available with Health Savings Accounts (tax-advantaged savings that you can use for your medical expenses). We’re proud to provide health coverage for people in Lebanon, Mascoutah, New Baden, and throughout Clinton, Madison, and St. Clair Counties.

  • What is a Health Savings Account (HSA)?

    An innovative and practical savings account for your medical bills that you can set up with us. You won't pay tax on the funds you deposit or the interest you make. Use your funds to pay for your qualified medical expenses, or start a nest egg for retirement. Your money stays yours. Since your balance rolls over each year, "use it or lose it" doesn't apply.

  • Is Individual Medical Insurance Right For Me?

    Individual policies are beneficial if you are:

    • Self-Employed
    • Not covered by your employer
    • Working part time
      • Retiree not yet eligible for Medicare
      • Unemployed

  • Short-Term Disability Insurance

    This policy will pay you a monthly benefit if you are unable to work due to a disabling accident. It does not cover disability due to sickness. The cost of this policy is, generally, lower than the cost of policies covering both accident and sickness-related disabilities.

  • Long-Term Disability Insurance

    This policy will pay you a monthly benefit if you are unable to work due to a disabling accident or sickness. You can tailor this policy by selecting the elimination period, benefit period and optional riders that would best meet your needs.