I've lived in Edgewater for 40 years, and Karen Ayers is widely respected here--not just for her business, but for how she supports our community's diversity. I have been a client of hers for 25 years, and she is truly the best in the business. We started with a basic renter's policy and, as life progressed, Karen handled everything from our auto insurance to our homeowners and landlord liability once we purchased our apartment building. As a landlord, I require my tenants to carry renters' insurance; it is so affordable for the safety it provides. While I don't mandate that they use Karen, I've never had a tenant decline her services when I suggest her office. For many, it's their first time dealing with insurance, which can be overwhelming. Karen provides me with professional "getting started" packets for prospective tenants, and the feedback I receive is that the info is very helpful during the stress of moving. She makes the process easy to understand as they begin their journey toward financial safety. On the rare occasion we've had to file a claim, Karen's office provides true "white glove" treatment, taking the stress out of the situation and handling every detail with care. Whether you are a first-time renter or a long-time property owner, you won't find better service across the Chicago north neighborhoods. I also want to give a huge shout-out to her AMAZING staff. They are the reason this is a worry-free business. Their communication is incredibly proactive; I never have to follow up because they are always the ones reaching out to me first. It is their dedication and attention to detail that truly sets this agency apart. On a personal note, Karen and her team are just so very kind. In stressful situations, such as when you need to file a claim, kindness combined with top-level communication is the best thing a person could ask for. Thank you, Karen, for your dedication and for your wonderful staff. read more

I appreciated being able to speak to someone when I call! They are friendly, helpful, and knowledgeable and recently put me at ease after a car accident. Highly recommended. read more

Karen has been our agent for over 20 years, and we couldn't be happier with the high level of customer service from her and her team. Grateful to have her as our agent! read more

I am so, so grateful for Karen and her amazing staff. I primarily work with Maure, who is phenomenal, but everyone there has always been so kind and helpful as well! Karen has been my agent since 2014, when my previous State Farm agent retired and she took over my policy. She is absolutely PHENOMENAL at what she does... she's incredibly knowledgeable, has helped me through moves and life changes and is prompt and super efficient in her correspondence. She has researched the best options for me and has time and again proven to be a trustworthy advocate. I highly recommend this team, they're the greatest! read more

No one enjoys having an accident in their home, car, etc., but when you do have one, having someone on your side to walk you through it and to help when needed is VERY important. Karen Ayers is a great agent, with a great staff, that works to assist you in getting the right coverage, and is there to help you through your claim. We recently had a pipe burst in our kitchen, and we ran into a snag with our claim. All it took was for me to update Kristina and Karen, and Karen was making calls and sending emails. The claim is coming to a good closure, and we cannot thank Karen and Kristina enough for all of their help. If you are looking for a State Farm Agent, Karen is that agent for you. Thanks Karen and Kristina!! read more

Karen Ayers and her team have supported my family's insurance needs for a couple of years, and we've been super happy with their customer service. They're very easy to work with, friendly, fair, and communicate well. Karen also went above and beyond in helping me navigate purchasing homeowners insurance for the first time and working with our mortgage servicing company throughout that process. I'd recommend Karen and her team highly! read more

Karen and her team have been super responsive and always provide straight forward, honest answers to our questions. It's nice to have a personal touch when dealing with insurance claims, especially when it can be a stressful and confusing process. read more

Karen Ayers and her office have been servicing my insurance needs for several years and have always gone above and beyond my expectations. With my home, cars, and several rentals Karen has always taken the time to thoroughly explain all my options and make sure me and my family are protected in case something ever goes wrong. Would highly recommend them to family and friends. read more

Karen and her team are absolutely phenomenal! As my family has grown, Karen has been there every step of the way and we could not be more grateful for the service she has provided over the last 8 years. read more

Always a pleasure in what are typically unpleasant situations -- and very knowledgeable with policy reviews, etc. Highly recommended. read more

In 2001, Karen explained the benefits of having a Renter's Insurance policy. At that time I was a sophomore in college and had never given any thought to insuring any of my belongings. Six months later, I had a fire in my building. My roommates and I were the only unit that had insurance! Karen worked with the fire claims staff to make sure all of our needs were addressed and the process went as smoothly as possible. Her excellent service got us through a terribly unfortunate situation and we will forever be grateful. Now, in addition to a renter's policy, my husband and I have our auto and life policies with her as well. The Karen Ayers' team is professional, responsive, and dedicated to their clients. We know that we can always count on her agency for information on products and changes that may benefit us in the future. read more

Karen Ayers - State Farm Insurance Agent - Home & Rental Insurance Near Me - Chicago, Illinois

We have only accolades for Karen Ayers and her entire team. Karen has been our State Farm agent since we arrived in Chicago in 2007. She has expertly advised us on all of our insurance needs and is always available when we need her. We have never had a better agent! Carol and Jim S read more

Karen has been my agent since I moved to Chicago in 2013 for renter's and auto. Recently, I purchased a new car after not having one for a while. At the dealership on a Friday, I called to have my policy moved to the new vehicle and long story short, the after hours agent had to start a new policy and I got a premium significantly higher than what Karen's office had quoted out a week earlier. Early the next week, I got an email from Karen saying she was reviewing the policy. Soon after, I got a phone call from Karen explaining that something was wrong with the policy and she had already escalated the issue with the underwriting department. It took a couple weeks to sort out, but Karen provided constant updates along the way. In the end, she got my premium down below what was originally quoted by her office (savings of nearly 40% from the after hours agent premiums)! Outside of that incident, Karen is very personable and kind. She never tries to sell me something I don't need, and only checks in once or twice a year to review my policies and my insurance needs as a whole. Karen is the best agent in Chicago hands-down. I would recommend her to anyone. read more

Karen has been my agent for several years now and has always been great. She communicates very well which is very important in making sure that my condo is adequately insured. She is patient and always is able to simplify the complicated policy language into basics. While thankfully I have never had to file a claim yet, I have no doubt that Karen will be a huge help throughout the process as she genuinely cares for her clients. I strongly recommend Karen for insurance services! read more

Karen Ayers and her team have been so helpful with all of our insurance questions and assistance. They are very responsive. And they went above and beyond in resolving a complex issue that recently arose for one of our policies. We would highly recommend Karen Ayers' agency to any of your insurance needs! read more

Not a full-service agent. Despite being the primary reason we changed to State Farm, my wife's wedding ring was NEVER covered...of course, I didn't find this out until it was lost. They're terrible at handling changes to policies, and managing payments. Just this month we received 4 automatic bill payments on the *same* policy (that should only be paid once a year). One of those payments was for over 4 years worth of coverage. Very, very poorly managed. read more

Ridiculous!!! But in a good way. This review is simply going to repeat what all the other 5-star reviews state - Karen and her team are brilliant. We recently switched all of our insurance (home, rental, car(s), motorcycle, etc.) from the "Friendly Hands People" to StateFarm and Karen. From the first call, Karen has been there to explain, consult and provide honest & open recommendations. You will get no better service and personalized attention from anyone. My only regret is that the switch didn't happen sooner. read more

Karen Ayres has been my condo insurance agent, and, with my recent purchase of a car, her office handles my auto insurance as well. Her team is responsive, personable, and very professional--all things that matter to me since I'm too busy to stay on the phone waiting for answers to questions. I'm a little old-school in appreciating personalized service, something I always have with this agent and her team. Insurance coverage is important, so it's a relief to feel like I'm heard and acknowledged. read more

I've been with Karen for over 10 years during my time in Chicago. She's been great at making sure my policy gets all the discounts I qualify for even without me asking! There was one time where I was involved in an accident and State Farm was great about making sure they backed me up! I'm now moving out of state so I have to switch insurance agents, but will miss all the great service I've gotten here in Chicago. read more

After 13 years as a client (homeowners insurance) who never needed her services, I finally had to file a claim due to a leak in my neighbor's unit. Karen not only talked me through the process--and explained that my deductible was more than the repair, so I shouldn't file a claim--she offered to take over communication w/ my neighbor and bldg. mgmt. co. She deciphered my building's bylaws and was immensely helpful--knowing she wasn't going to receive a penny for her time. She saved me so many headaches, and I'm extremely grateful! read more

No one wants to pay for insurance, but it's a necessity for living in our less-than-perfect world. That being said, my husband and I have used State Farm Insurance for well over 20 years and had a nice enough agent, but when we moved, we wanted an agent that lived closer to us. That agent turned out to be Karen Ayers and she has been MORE than "nice enough." We came to appreciate her warm sincerity, expert advice and prompt attention. And recently, she came through for us Above and Beyond what was required. Without boring you with all the details, I will tell you Karen had absolutely no obligation to advise and assist us in another insurance company matter, but yet she was there for us during the entire ordeal - yes, an exhausting ordeal, made much easier by her efforts. There is no other explanation for Karen's actions other than her good old-fashioned-care-about-the-person-offer-the-best-with-a-smile Customer Service! For us, finding Karen Ayers turned out to be a great move. And on the chance we move much further away... we're still sticking with her! read more

I have had the pleasure of having Karen as my agent for over 15 years. You really never know how an agent is until something happens and I have had my share of happenings. Karen's customer service is second to none. She always has time and she will always help you with any questions that arise. I guess the best compliment I can give Karen is she is not only my agent but my kids State Farm agent also. read more

I first started buying renter's insurance from her in 2012. Seven years later when I went on to buy an entire apartment building, she helped me itemize all of my needs, customized my car insurance, and got me a rate fantastically lower for home and auto than anyone else had quoted me. Also excellent in contact and follow up and follow through. Couldn't recommend a better agent. You won't be disappointed. read more

Karen Ayers is exceptional, like no other insurance agent I have met. She knows her stuff, anticipates client needs and is responsive when called. In sum, she possesses the traits we would wish of any professional service provider but don't often find in one individual. By way of background, I've been a client of Karen's for two years and with State Farm about 20 years. In my move from out of state, Karen made sure the new insurance policies initiated for me in Illinois reflected all the benefits of my longstanding relationship with State Farm. On her part, this involved fully understanding State Farm's underwriting criteria, probing for the right information from me (the client), and modifying the transfer transaction made by my former agent. In the two years since, Karen has continued to impress me as the consummate professional and a most thoughtful adviser. read more

My experiece with Karen was unacceptable! Poor service 2 days before my wedding when I called with an emergency in the loop during rush hour in Chicago! I called the # on my insurance card and received the we're closed phone message at about 5 PM, with out an emergency # left on their answering machine. I left a message and NEVER received a return call. (that day, the next or any time!) I called myself after our wedding and could never get the opportunity to ever talk to Karen. She has been taking my money for years and I have never made a claim or asked for help! So this is so telling when you do need assistance. I then asked to consolidate my insurance with my new husband's at another agents office....since she did not seem to care who had our business. This took a crazy long time to happen. I had to make several more calls to her office with out help. read more

Without a doubt, Karen Ayers is the best State Farm agent in Chicago! She helped me with a very complex claims situation. She worked closely with the claims staff at State Farm to get my concerns addressed. Frankly, that's when you need an insurance agent the most and Karen was diligent and professional throughout the entire experience. In addition, Karen performed a very comprehensive review of my entire insurance portfolio and made excellent recommendations. I've recommended her to a number of my friends and they all agree that Karen provides excellent advice and exceptional service. read more

Like a lot of insurance agents I've had, I usually end of talking to their assistants, but when I needed my actual agent to help me, Karen came through. I was involved in a car accident and the person who hit my car was new to Illinois and still had a policy in California. This apparently confused the hell out of State Farm claims reps and I had enormous trouble finding the right person handling my case. I collected more 800 numbers and promises of action than I knew what to do with. Weeks went by until I couldn't stand it anymore and contacted Karen. No lie, she located the correct person and within 24 hours I spoke with the right claims rep and knew what my settlement would be. Karen is the kind of agent I respect and will continue to use. read more

Absolutely love Karen Ayers. She has been our state farm agent for what seems like a bazillion years already. She always responds quickly to questions and issues...she is honest, personable and very knowledgeable about the products offered by state farm. read more

Karen has done a stellar job taking care of me and my insurance needs for 10 years....everything from homeowners, business, auto, to personal property. She follows up in a timely manner, she checks all the details of my needs, provides very good customer service. I recall when I needed business insurance and I called two other agents ... it was a big deal and they were not able to help me. On the other hand, Karen took the request and handled it very quickly. Thanks, Karen, I appreciate YOU! Susan F. read more

Karen is great! I recently decided to switch insurance companies and did some shopping around in my area. I gave a few places a call to get quotes, one of which was Karen. She proved very knowledgeable of all the questions that I asked her and has been great working with her. She promptly returns calls and goes the extra mile! So much better than my old agent! read more

Nice Agent, unfortunately State Farm coverage is horrible. Was injured in an accident only to find out later that State Farm policies are worthless. Six figure hospital bills and they try to offer a $500 settlement. read more

Karen is a great agent. She will fight for you and she will solve problems for you, and her staff is very organized. I would give her 5 stars, but State Farm can be very frustrating, being slow to pay even small dollar amounts and having antiquated systems. read more

I use Karen Ayers for my renters policy, and I've been very impressed by the office's professionalism and customer service. When I had some questions about coverage while I'm in the process of moving and while my belongings are in storage, Karen herself called me back to explain the coverage and make sure all my questions were answered. She also specified the verbage in the actual policy that applies to my situation. read more

Karen was great! I went in for a car loan and we worked through all the available options. It was somewhat complicated, because I was buying the car in Chicago but moving to Wisconsin. Karen worked with the State Farm Loan department to find the best rate they could offer! read more

Karen and State Farm went the extra mile for me when a mechanic gave me some bad advice and as a result my car's engine ended up getting destroyed. Karen is knowledgeable and answered all my questions and helped reduce the stress of what was a very frustrating situation. read more