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Be ready for all of life's moments
Our approach to insurance ensures you’re covered across every area of life, with each of the six segments in the Loman-Ray shield representing a unique facet of our protection.
Click on each section to learn more
Home
You’ve worked tirelessly to turn your house into a home. You want to keep what’s likely your biggest financial investment protected...
Auto
You want to ensure your independence behind the wheel. And you know that keeping your vehicle insured is the responsible thing to do.
Health
You already know that medical care costs are skyrocketing, and that having the right insurance is a necessity to have your health expenses covered...
Commercial
No matter what business you are in, each workday is dedicated to doing your job well and providing your customers with the best service possible.
Life
Your family means everything to you. You want to watch them succeed and share in their ambitions and dreams. But if the unexpected happens to you...
Farm
You’ve worked hard to build your farming operation. Whether you’re small or large you need a partner to help protect your operation. We hear you.
Auto
Health
Commercial
Life
Farm
Home
Your home is your biggest investment and the heart of your family’s life.
At Loman-Ray, we tailor homeowners insurance to fit your unique needs, providing flexible options that cover everything from fire and storm damage to theft and personal liability. Our goal is to help you feel secure knowing your property and possessions are safeguarded.
We also guide you in selecting adequate coverage limits and exploring additional options like umbrella policies, ensuring comprehensive protection for your home and beyond. With Loman-Ray, you’re never left wondering if you’re fully covered.
Our Homeowner's Insurance coverage options include:
Standard Homeowner's Insurance
Comprehensive Homeowner's Insurance
Homeowner's Liability Protection
Auto
Your vehicle is more than a way to get around—it’s your independence and peace of mind.
Loman-Ray offers tailored auto insurance that keeps you protected from the unexpected, whether it’s an accident, theft, or medical expenses. We work with you to build a policy that covers your needs, from property damage to roadside assistance, ensuring you and your passengers are always covered.
Our agents take the time to review your coverage limits and explore additional options, like umbrella policies, to extend your liability protection. With Loman-Ray, you can drive with the confidence of knowing you’re prepared for the road ahead.
Our Auto Insurance coverage options include:
Health
From individuals to businesses, Loman-Ray offers tailored health insurance solutions to meet your needs.
Individual Health Insurance
Choosing the right health plan can be overwhelming, but Loman-Ray makes it simple. We’ll compare Affordable Care Act and private options to match you and your family with a policy that fits your needs and budget—all at no additional cost for our expert guidance.
Group Health & Benefits
For businesses, health benefits are key to attracting and retaining top talent. We work with you to design tailored plans that cover medical, dental, vision, and more, ensuring your employees feel valued and protected.
Medicare
Transitioning to Medicare? Loman-Ray provides expert support to cut through the confusion and help you select the plan that’s right for your needs, making the process seamless and stress-free.
With no additional fees for our expert advice, Loman-Ray is your trusted partner in securing affordable, effective health coverage.
Our Health & Benefits coverage options include:
Individual Health & Benefits
Medicare
ACA (Marketplace) Health Insurance
Group Health & Benefits
Commercial
Every business faces unique risks, and Loman-Ray Insurance is here to help you navigate them.
We specialize in creating customized insurance solutions designed to protect your operations and give you confidence to focus on what you do best.
Whether it’s workers’ compensation, general liability, or property coverage, we take the time to understand the specifics of your industry and tailor policies to fit your needs. From small businesses to larger organizations, our team delivers flexible, cost-effective solutions to keep your business protected and thriving.
We offer the following options for your organization:
Life
Your family’s future deserves protection, no matter what life may bring.
Life insurance from Loman-Ray is designed to provide financial stability and peace of mind, ensuring your loved ones are supported no matter what the future holds.
From temporary to permanent coverage, we’ll help you find the right policy to meet your needs. Life insurance can cover more than final expenses—it can pay off debts, secure your family’s home, fund education, or even protect your business. As your life evolves, we’re here to adjust your coverage to match your milestones, keeping your family’s future on track.
Our Life Insurance options include:
Farm
Farming is more than a livelihood—it’s a legacy. Protecting your operation is essential to keeping that legacy alive.
Farm Owner's Insurance
From equipment and outbuildings to your home and liability needs, farm owners insurance safeguards every corner of your operation. Loman-Ray tailors coverage to fit farms of all sizes, ensuring your property and income are protected against the unexpected.
Crop Insurance
Your crops are the foundation of your success, and protecting them is crucial. Loman-Ray offers a range of federal and private crop insurance solutions, including options for yield and revenue protection, so you can confidently weather unpredictable conditions.
Our Ag Insurance coverage options include:
Farm Owner's Insurance
Farm Personal Property Coverage
Crop Insurance
Multi-Peril Crop Insurance
Private Crop Insurance Products
Loman-Ray Insurance Group, LLC is an equal opportunity provider.
Loman-Ray Named Agency of the Year
Loman-Ray Insurance Group is proud to be recognized as Agency of the Year by Big I Illinois!
This award highlights our commitment to leadership, innovation, and delivering exceptional service to our clients and community. Thank you for being part of our journey as we continue to grow and serve you better.
Read More in the Spotlights Blog post
FEATURED
Managing life’s risks shouldn’t feel like a science experiment.
Summer means more time on the road and more risk behind the wheel. Before Memorial Day kicks off the busiest driving season of the year, make sure your auto insurance is keeping up. Here's what to review before you hit the highway.
Cybercriminals aren't just going after big corporations, small and mid-sized businesses are increasingly in the crosshairs. A single data breach or ransomware attack can disrupt your operations and your bottom line. Here's why cyber insurance deserves a spot in your business coverage.
That new deck, finished basement, or kitchen remodel is adding value to your home, but is your homeowners insurance keeping pace? If your coverage doesn't reflect your upgrades, you could be left with a costly gap when it matters most.
All-Staff Meeting- Fall 2024
Loman-Ray offices are closed starting at 12pm on Wednesday, 9/11 to allow staff to attend a company-wide meeting. Normal hours will resume on Thursday, 9/12.
Please visit lomanray.com/contact to send a message while offices are closed or call 888-566-2679.
Labor Day 2024
All Loman-Ray offices are closed on Monday, 9/2 for the Labor Day holiday. Normal hours will resume on Tuesday, 9/3.
Please visit lomanray.com/contact to send a message while offices are closed.
Thanksgiving 2024
All Loman-Ray offices are closed on Thursday, 11/28 and Friday, 11/29 for the Thanksgiving holiday. Normal hours will resume on Monday, December 2nd.
Please visit lomanray.com/contact to send a message while offices are closed.
Christmas 2024
All Loman-Ray offices are closed on Tuesday, 12/24 and Wednesday 12/25 for Christmas. Normal hours will resume on Thursday, 12/26.
Please visit lomanray.com/contact to send a message while offices are closed.
New Years 2025
All Loman-Ray offices are closed on Wednesday, 1/1/25 for the New Year holiday. Normal hours will resume on Thursday, 1/2/26.
Please visit lomanray.com/contact to send a message while offices are closed.
Easter 2025
All Loman-Ray offices are closed on Friday, 4/18 for the Easter holiday. Normal hours will resume on Monday, 4/21.
Please visit lomanray.com/contact to send a message while offices are closed.
Easter 2025
All Loman-Ray offices are closed on Monday, 5/26 for Memorial Day. Normal hours will resume on Tuesday, 5/27.
Please visit lomanray.com/contact to send a message while offices are closed.
Independence Day2025
All Loman-Ray offices are closed on Friday, 7/4 for Independence Day. Normal hours will resume on Monday, 7/7.
Please visit lomanray.com/contact to send a message while offices are closed.
Labor Day 2025
All Loman-Ray offices are closed on Monday, 9/1 for the Labor Day holiday. Normal hours will resume on Tuesday, 9/2.
Please visit lomanray.com/contact to send a message while offices are closed.
Thanksgiving 2025
All Loman-Ray offices are closed on Thursday, 11/27 and Friday, 11/28 for the Thanksgiving holiday. Normal hours will resume on Monday, 12/1
Please visit lomanray.com/contact to send a message while offices are closed.
Christmas 2025
All Loman-Ray offices are closed on Wednesday, 12/24 and Thursday, 12/25 for Christmas. Normal hours will resume on Friday, 12/26.
Please visit lomanray.com/contact to send a message while offices are closed.
New Years 2026
All Loman-Ray offices are closed on Thursday, 1/1/26 for the New Year holiday. Normal hours will resume on Friday, 1/2/26.
Please visit lomanray.com/contact to send a message while offices are closed.
