Many Illinois insurance customers don’t realize they have become what is known as a “house account.”
This often happens when their local insurance agency closes, is sold, merges with another agency, or simply stops representing a particular insurance carrier. Instead of the insurance agent/company that you chose to place your policies with, the insurance carrier instead services the policy directly, and the customer becomes an in-house account of the carrier.
While your policy may still be active, you may no longer have a dedicated insurance agent looking out for your best interests.
The good news? In most cases, you can transfer your policy to Langlois Insurance Agency without changing insurance companies, changing coverage, or causing any disruption to your policy.
What Is a House Account?
A house account is an insurance policy that is serviced directly by the insurance carrier rather than by a local independent insurance agency.
While the insurance carrier can answer basic questions and process payments, their representatives typically manage thousands of policies and cannot provide the same level of personalized service that a local insurance agency, such as Langlois Insurance Agency, can offer.
As a house account, you may not have:
- A dedicated insurance advisor
- Regular coverage reviews
- Proactive recommendations
- Local claims guidance
- Personalized service from someone who knows you and your family
Many customers don’t even realize they have become a house account until they need assistance.
Why Having a Local Insurance Agency Matters
Insurance isn’t just about paying a premium. It’s about having a trusted professional available when life changes.
At Langlois Insurance Agency, we regularly help customers review:
- Homeowners insurance coverage
- Auto insurance limits
- Umbrella liability protection
- Life insurance needs
- New drivers and vehicles
- Home renovations and additions
- Pools, trampolines, and other liability exposures
Without a local agency monitoring your coverage, important changes can sometimes go unnoticed.
You Can Move Your Policy to Langlois Insurance Agency Without Changing Insurance Companies
One of the biggest misconceptions is that transferring to a new agency means changing insurance companies. In most cases, that is simply not true. If your insurance company allows a Broker of Record (BOR) or Agent of Record transfer, you can move your policy to Langlois Insurance Agency while keeping:
- The same insurance company
- The same policy number
- The same coverage
- The same renewal date
- The same claims history
The only thing that changes is who services your policy. Instead of calling a large insurance company call center, you’ll have a trusted local agency working on your behalf.
Benefits of Moving Your Policy to Langlois Insurance Agency
Personalized Service
When you call our office, you’ll speak with local insurance professionals who know your policy and understand your needs.
Claims Assistance
When a claim occurs, we’re here to help explain the process, answer questions, and advocate for you throughout the experience.
Local Expertise
As a family-owned agency serving the Lincoln-Way area for more than 40 years, we understand the unique insurance needs of Illinois families and businesses.
Access to Additional Insurance Solutions
Even if you keep your current policy with its existing insurance company, we can help identify opportunities for better protection through umbrella insurance, life insurance, business insurance, or other coverage options.
Frequently Asked Questions
Can I transfer my insurance policy to Langlois Insurance Agency?
In most cases, yes. Most insurance companies have a Broker of Record or Agent of Record process that allows customers to move their policy to a different agency.
Will my insurance premium increase?
Generally, transferring your policy to a new agency does not increase your premium simply because you changed servicing agencies.
Do I have to switch insurance companies?
No. In many situations, you can keep the exact same insurance company and simply move the servicing of your policy to Langlois Insurance Agency.
How long does a Broker of Record transfer take?
Many transfers can be completed quickly and with minimal paperwork depending on the insurance company.
Bring Your Policy Home to Langlois Insurance Agency
If you’ve become a house account and miss having a dedicated insurance professional in your corner, Langlois Insurance Agency can help.
For over 40 years, families throughout Mokena, New Lenox, Frankfort, Tinley Park, Orland Park, Manhattan, and the surrounding communities have trusted Langlois Insurance Agency for exceptional service, expert advice, and personalized insurance solutions.
You deserve more than a call center.
You deserve a trusted local insurance agency that knows your name, understands your needs, and is here when you need us most.
Call Langlois Insurance Agency today at 815-485-2106 to find out if your policy can be transferred through a Broker of Record request and start receiving the personal service you deserve.