Contact us

(217) 345 7063

Send us an email!

Contact details:


Your message has been sent successfully. Close this notice.

Travel insurance Quote

Level of protection: $

Contact details:


Your Quote has been sent successfully. Close this notice.

Car insurance Quote

Contact details:

Your car:

Your Quote has been sent successfully. Close this notice.

Life insurance Quote

Level of protection: $

Contact details:

Have you used tobacco or nicotine products in the last 12 months?

Yes, I have No, I have not
Your Quote has been sent successfully. Close this notice.

House insurance Quote

Your house:

Contact details:

Your Quote has been sent successfully. Close this notice.
1 month ago · by · 0 comments

Helping Your Children Adjust to Virtual Learning

With COVID-19 still lingering around, many schools are switching to online learning for partial or the entire school year. How does this affect you? This eliminates in-person learning and places more responsibility on ensuring proper learning initiatives are being implemented at home.

While this new reality may not be ideal for most, it’s happening. We have a few ways that you can easily adjust to ensure your children are still getting a quality education while partaking in virtual learning!


Have A Designated Space

Creating a set area that your children can use as a workstation or “desk” is helpful in creating an environment that resembles the classroom. Keep the workstation the same throughout their entire virtual learning experience.


Take Breaks When Needed

Breaks are needed in between class times. Without breaks, it will be easy for your child to get distracted and fatigue. With that being said, virtual learning becomes more difficult.


Have a Routine

Creating a routine will make these times go by faster. When a student is in school, their routine is pretty much the same. They wake up around the same time during the weekday and proceed to prepare for class. Having a similar routine while taking virtual classes is helpful because it trains your mind and promotes discipline. It gives students the same feeling that they get when they’re in a physical classroom. Doing this will ensure your child is on track.


Find a Tutor if Needed

Sometimes, even during a normal school year, your child may need a little extra help with their studies. Virtual learning means less face time with your teacher, and this can be difficult for some. Don’t be afraid to look for a tutor if help is needed.


Bob Oetting is here to help you navigate these difficult times and provide as much useful information as possible.

Read more

2 months ago · by · 0 comments

Social Distancing Trip Anyone? 3 Ways to Travel!


There’s no question that 2020 has brought a lot of uncertainty and has been mentally straining for everyone. With everything that’s going on in the world right now, creating separation can be key to making sure you’re in a good head space.


This is why we recommend a social distancing trip! Some may wonder if a social distancing trip is warranted. Possible? Safe? Worth it? We say absolutely! There are ways to escape feeling trapped in your home for a low cost and can be done anywhere.


Below we explore ways to take a trip during this time of distancing while being safe.


Day Trip

Want to travel somewhere that doesn’t have much risk such as flying? Take a day trip! Day trips can be done just like the name suggests, in one day, while keeping your distance from others. Hop in the car with family and visit historic sites, outdoor attractions, or go engage in outdoor recreation.

This avoids the cost of buying a hotel room and limits your contact with other visitors as well. Want to avoid eating out? You can easily pack sandwiches and enjoy a nice picnic while you’re out!



Nothing wrong with going back to the basics and enjoying a nice staycation in your hometown! Hotels are very affordable now due to a huge decline in visitors since the pandemic started. Grab a room in one of your favorite hotels with your family and enjoy some time away from home. Do this while keeping a safe distance from other visitors who may be inside the hotel as well.

Order take out from new restaurants nearby, or even from the hotel. Enjoy movies or other activities that are available on the premises. Sometimes, a change of scenery and a different routine is all you need to escape reality and maintain a good headspace.


Virtual Tours

Everything has been moved online recently to keep individuals safe. This includes activities that are usually done in person. Miss going to the Aquarium, zoo, or museum? Not a problem! Many of these establishments are offering virtual tours that you can enjoy in the comfort of your own home.

What makes them even better is that they’re FREE. Below are a few tours you can partake in as of now. Feel free to research more businesses that is offering this near you. In the meantime, click below to explore more!


  1. San Diego Zoo
  2. Shedd Aquarium
  3. Ellis Island
  4. Mount Rushmore
  5. Metropolitan Museum of Art


We understand current times can be tough for some individuals. If you follow any of the recommendations above, we’re sure you can make the most of your time social distancing while still having fun.

Read more

4 months ago · by · 0 comments

Safe Landscaping Guide

The season of landscaping is finally here! The sun is out, and you want your home to look aesthetically pleasing to any visitors who drive by or approach your home. It’s time to do some landscaping!

Is there a “right” way to tackle this outdoor project? Yes, it is! In fact, there’s also safety precautions you must take to ensure you avoid injury and mishaps. Below we’ve compiled safety tips for landscaping this season.


Wear the Right Gear

The most important tip, in our opinion, is wearing the right protective gear! Even if things go south, the gear you’re wearing can determine whether you’re injured and the extent of the injury.

Common safety gear to wear while taking on landscaping projects consist of:

  • Gloves
  • Goggles
  • Masks
  • Hard toe shoes

These are just a few important clothing pieces we recommend when working outdoors.


Know the Machinery

Probably a common safety tip, but you’d be surprised at the number of individuals who simply “wing-it” when using new equipment. You may be a handy person and very able to operate simple machinery and tools, but not knowing what you’re using is a quick way to cause injury or worse. When buying new tools with similarities to previous tools used, be sure to read the instructions.

Slight differences in new tools can make a difference when trying to achieve the results you want while also being safe.


Don’t Overexert Yourself

Doing some heavy lifting while landscaping? Be sure you don’t chew off more than you can handle. It’s easy to place too much pressure on ourselves when we want to see the completion of a project. Doing this can lead to muscle spasms and tears. If you’re older in age, this is a no-no.

Always ask for help when needed and complete the tasks that you’re capable of completing.


Here at Bob Oetting & Associates, we care about the safety and well-being of our customers and everyone in our community. Feel free to browse our blog for more articles on a variety of topics relating to safety, insurance, and family!

Read more

4 months ago · by · 0 comments

Improve Your Bad Air Day with Indoor Air Quality Control

Air quality not the best in your home? This is something that can easily be fixed and needs to be taken -seriously. This is especially true with everything that’s happening with COVID-19. Air quality can not only affect your health but the health of your loved ones.

In fact, although many people speak about the topic of pollution and how bad the air that we breathe can be bad, the truth is that the air inside our homes can be equally as bad or worse. This simple fact shows how serious we have to take the air quality within our residences.

How to Improve Air Quality

Increase Ventilation

Many believe that increasing ventilation in one’s home involves slinging open a door or window to bring in outside air. This isn’t necessarily true. Like we mentioned above, outside air can be just as bad because of pollutants in the air. One way we can bypass this is ensuring that there are screens on all our windows that helps protect us against some of these pollutants lurking outside. Does this mean you can never open a window or so? No. You can but ensure that you have screens in place for protection. This should especially be done in rooms where there are many electronic devices. These can release chemicals when the heat generated from them comes into contact with other elements in your home.

Besides opening a window, turn on your AC! When utilizing your air make it a practice to have the A/C on “auto”. Turning it to “on” can promote mold growth.



Clean Regularly with the Right Products

Cleaning your home on the regular is a good feeling. You feel accomplished because your home is not only presentable, but you got rid of every single pollutant in the house when your sprayed your Febreeze or cleaned with detergent. Right? Wrong. Individuals fail to realize that some cleaning products have pollutants of their own and can tend to bother


While ensuring superior air quality is something that should be done frequently, we couldn’t help but to push the seriousness of this simple tactic during COVID-19. Keep yourself and everyone safe by providing proper ventilation inside your home.

Read more

5 months ago · by · 0 comments

Spring Liability Risks to Avoid: Homeowners Beware

Springtime is among us. What’s better than going in your backyard and enjoying the outdoors without having to travel far from home? Better yet, your family can enjoy fun activities. The kids can jump on the trampoline with friends, have water wars, hop in the swimming pool, and more.

Harmless, right? Not so much. What happens if one child visiting injures themselves on the trampoline? How about if they accidentally slip and tear a muscle near the slipper swimming pool? Not ideal scenarios to think about, we understand, but these accidents can cost you a lot of money.

As a homeowner, you’re liable for anything that occurs on your property.


Swimming Pools

Accidental drownings can happen anywhere a swimming pool is present. Insurance agencies know this since it poses as a huge risk to them. It’s even riskier if you have children or pets in your home. A way to avoid these tragedies is to build a fence or gate around the pool. Self-closing gates are highly recommended to ensure top-notch safety.

Not sure of what to install? There’s plenty of consultants who can help with this. You can even ask your insurance agent!



A surefire way to prevent falls is to install a net around the perimeter of the trampoline. Rules should also be implemented to prevent injury from crawling under the trampoline while in use, and too many children using it at once.

Trampolines have hooks, springs, and a frame that should have protective padding over it to avoid accidental cuts.


How Is Your Insurance Affected?

Did you know that some insurance carriers will raise your premium or flat out deny your coverage if you own a trampoline? No worries, most will simply require safety features to be implemented to keep rates low. Negligence to disclose the addition of a pool or trampoline can cause claims to be denied. Basically, it’s in your best interest to disclose this information to your insurance provider and install safety features immediately.

Being a homeowner comes with numerous rewards and risk. One of your top priorities should comprise of protecting anyone who steps foot on your property, including your family who already lives on the property.


Bob Oetting & Associates is committed to helping families stay safe.

Read more

6 months ago · by · 0 comments

Protecting Your Mental Health During Isolation: COVID-19 Guide

Take up a Hobby

Probably the most obvious piece of advice but also helpful. During isolation you have plenty of free time, probably too much free time! Learn a new hobby or engage in a hobby that you didn’t have time for before. Doing this can make you happy and take your mind off what’s going on in world, which can have a negative impact on your mental health.


Healthy Eating

To ensure optimal health while self-isolating, eating specific foods that are high in Vitamin C, Vitamin D, and other essential is recommended. That way, when leaving home to run essential errands, your immune system is in tip top condition to battle illness that may come your way.

We’re not saying you can’t eat your favorite ice cream while binge watching your favorite tv show on Netflix! But, be sure you’re getting what you need to avoid illness as well.



Educate Yourself/Spark Your Interest

Learning something new and improving your skill set while home can help with career advancement. Once all of this is over and you return to work, or even when looking for employment, you’ll stand out a lot more and have a foot up on the competition. Take the time to self-educate while everyone else is taking this time to relax.


Catch Up on Your to Do List

Have you been too busy lately to complete tasks that’s been on your to do list for the past few weeks? Still haven’t completed those chores around the house? Now is the time to be productive with the extra time you’re spending at home!


Communicate with Loved Ones

Isolation doesn’t mean you have to close yourself off from family and friends. In fact, keeping communication with loved ones is a good way to get through this time of uncertainty faster. Make that phone call to your family out of state. Check on your parents, siblings, and cousins as well. Wish them good health while also catching up! This will make their time in isolation go by faster just the same as yours.


Don’t Watch the News Often

Plenty of studies have shown that consuming negative news from the media can increase depression and have a negative impact on your mental health. Sometimes it’s best to go a full day or two without watching the news and just enjoying your own company.



While we do not know what the future hold, we do understand that there are ways to make the most of the time spent indoors. Taking control of your mental health is crucial during this time. Follow these tips and we’re sure your time will fly by!

Read more

7 months ago · by · 0 comments

How to Avoid Common Senior Scams

Seniors are commonly targeted online and via phone because they’re viewed as more trusting and less tech savvy.

The Special Committee of Aging states that seniors fork over $3 billion dollars every year due to targeted scams. Why are seniors so appealing besides their low technology use, which is where information warning of these scams circulate?

Seniors have different forms of income that are attractive to criminals online. Their retirement savings, bank accounts, and social security number can be extremely valuable to steal.

A simple rule of thumb is: if it sounds too good to be true or very unlikely, it’s a scam! Winning a free getaway that you have no knowledge is too good to be true. The IRS calling and threatening to arrest you if you don’t pay a balance of $5,000 is very unlikely.

Spotting & Preventing Online Scams

What are some common online scams? AgingInPlace states that common online scams targeting seniors are:

  • Free Vacation Promises
  • Lower Priced Prescriptions
  • Lower Priced Anti-Aging Products
  • Credit Advance for a fee
  • Sweepstakes Winner


Now that we’ve discussed the issue at hand, how do we solve it? Here are a few ways you can counter phone scams and online scams.

#1 Beware of Attachments

Online criminals will often send emails with attachments or links that entice you to click. After clicking, it leaves your computer open to viruses and malware that can steal your information.

More sophisticated emails will have the appearance of a trustworthy company such as your bank. These emails will urge you to input your banking username and password in order to gain access to your accounts. You think you’re signing in to your actual bank, but you’re not!


#2 Don’t Befriend Everyone

Believe it or not, cyber criminals usually perform an abundance of research on their target before they strike. What better place to do research on an individual than social media? With that being said, be careful and only accept friend or follow requests from people you know. Nine times out of ten a fake profile is adding you!


#3 Government Agencies

The most talked about scam on the internet today is the IRS scam. One important fact to know is that the IRS will never email you requesting money or asking for sensitive information. If you receive an email as such, report it as spam and never give up sensitive information or click any of the links in the email.


Spotting & Preventing Phone Scams


#1 IRS

Similar to the point above about the IRS emailing you, they will never call you requesting money and threatening to have you arrested if payment isn’t made. This is a dead giveaway and the phone conversation should be ended quickly.


#2 Unknown Numbers

Try your best not to answer phone calls from unknown numbers. Even if the phone call is from a telemarketer, by answering you’re letting them know that they can continue calling because you’re more than likely going to answer.

If all else fails and you’re unsure of what to do in a situation, don’t be afraid to ask family and friends for clarification. It’s always good to confirm your suspicions with trusted loved ones.


We want to ensure no senior is falling victim to common scams committed by criminals for financial gain. Overall, always question the motives of individuals online and over the phone.

Read more

7 months ago · by · 0 comments

Tax Prep Tips

It’s tax season folks!  I know, I know, you’re scared of it but you shouldn’t because with these tips you’ll be able to tackle your taxes better than a professional, and not have to pay someone else for the displeasure of the upcoming tax season.

 Do you need to file?

It may surprise you to learn that not everyone is required to file a tax return. If you are disabled, or made under $12,000 in 2019 then you may not be required to file. The requirements to file/or not file are complex and assessed on a case by case basis.

Collect your documents

The average American has 2-5 tax documents to file; W2s, 1099s and mortgage documents and banking interest earned and other details.

If you are not sure what documents you will need, then consult tax software sites like tax slayer etc. Here is a link to a great checklist to get you ready!

File by paper and/or on the internet

If you make under a certain amount of money (around $50k a year) then you have the right to file for free. No fees, period.

If you don’t have a computer then you can file by paper. Forms can be obtained at the local library or by request by calling the IRS.

If you can’t do it on your own, get help for free; if you qualify

If you can’t file your taxes on your own, there are many free services out there that can help you file your taxes. If you want to and can afford it, there are paid services out there as well. Please note, if you hire someone, or ask someone else to file your taxes – and there is an error on your return – it is your fault, and not theirs. All liability for the prepared return is yours alone.

The Takeaway

The process of filing taxes is not hard, and with the right preparations the process can take as little as 20 minutes for less complex tax situations. So, stop worrying, gather those documents and get this little pest out of the way, so you can enjoy the rest of 2020!

Read more

8 months ago · by · 0 comments

Snow Shoveling Safety Tips

Some places are well known for having long cold winter days with significant amounts of snowfall on their walkways and driveways. In fact, after a snowstorm, there may be several feet of snow around your home that must be cleaned up as soon as possible. However, before starting these kinds of jobs, everyone in the household needs to know these snow shoveling safety tips


Tip #1 – Prepare to Shovel Snow Properly

Putting on your coat and walking out the door to get started without any preparation can be a huge mistake. In fact, if you have not shoveled large amounts of snow before, you need to take the time to familiarize yourself prior to picking up the snow shovel. Because the weather is usually still frigid and freezing cold, you need to make sure that you are dressed for this type of weather from your head to your toes. For instance, you should always dress warmly by dressing accordingly. To follow the advice of old veteran snow shovelers, you should dress with several layers of loose clothing. Your feet should be kept warm with the use of water-resistant and slip-resistant boots so that you do not fall down in the wet icy snow. Don’t forget to wear gloves or mittens to warm to keep your heads warm and a hat


Tip #2 – Use the Right Form

Though you may think that shoveling snow is an easy job that can be done by anyone who is handed a shovel, this is far from true in many cases. For instance, to protect your health and your heart, these are jobs that can place a lot of unnecessary strain on the heart. So, you need the proper form when you are tacking a minimum to a huge shoveling job.


Keeping these things in mind, you should make sure that you are pushing the snow rather than lifting. By pushing the snow down the driveway or walkway, you reduce the strain on your body significantly. Also, when you are lifting small amounts of the snow at a time, you should make sure that you are being your knees versus keeping them straight.


Tip #3 – Stay Hydrated

Just like performing any outside job in the summertime, winter snow shoveling can easily cause you to become dehydrated, while also suffering from other associated risk factors. Therefore, you should always make sure that you are well hydrated for the job that you are trying to do. These winter safety tips can save you from compromising your health, especially if you are on the outside shoveling for long periods of time.


Tip #4 – Use Pre- Treatments for Snow and Ice Removal Projects on Your Property

To minimize and eliminate the risks of anyone slipping and falling on your property, you may want to get ahead of the ice and snow that can form on your sidewalks and driveways. You can do this by pre-treating any paved surfaces on your property and all walkways prior to an ice or snowstorm. With the use of the most effective anti-icing products, you can better prepare for all your snow shoveling safety tips for everyone around you.


Tip #5 – Don’t Overexert Yourself

Understand your limits and how much strength that these jobs really take. Even though you may start off strong, long extended periods of snow shoveling can be a disaster waiting to happen. To prevent unnecessary health problems during these times, you should do the following:


– Don’t push yourself too far, avoid the point of exhaustion

– Stretch before you start these jobs and pace yourself at a slow rate

– If you have a history of heart trouble, you may want to consult with your physician before you get to work.


Tip #6 – Use the Proper Snow Blowing Safety Procedures

If you have snowblower to help you with your snow shoveling jobs, you should make sure that you know exactly how to use the appropriate safety features and procedures.


Wrapping It Up


Some winters are tougher than others. Regardless of how harsh winter can be, safety should still be taken when doing simple tasks such as shoveling snow or laying down salt.

Read more

9 months ago · by · 0 comments

Creating Your Own Roadside Emergency Kit For the Winter

The winter time can bring unpredictable weather. Although no one likes being stranded on the side of the road, being stranded in the winter time is even worse. If you have auto insurance, chances are you have a roadside assistance option in your policy. But let’s face it, who enjoys waiting hours for help to arrive? What if you have a baby on board? Kids?

Therefore, creating an emergency kit to keep in your car is crucial to help pass the time. We’ve compiled a list of the essentials that everyone should have in their vehicle to prevent bad situations from escalating.

Basic Emergency Kit Essentials

Your emergency kit will always differ from others. For the most part, everyone should have these basic essentials:

  • Bottled Water
  • Can of tire inflator (Fix a flat is a popular one)
  • First Aid Kit
  • Nonperishable foods
  • Jumper Cables
  • Blankets for the cold weather
  • Spare Tire W/ a wheel wrench and jack
  • Ice Scraper
  • Tool kit

Customizing Your Kit

Now that you have all the essentials, you may want to consider adding a few additional items depending on your situation. For example, if you have toddlers you may want to include:

  • Diapers
  • Baby Formula
  • Baby Wipes
  • Bottles
  • Medicine


This application can be applied in other scenarios. If you typically have pets traveling with you, be sure to pack food for them as well.

When storing these essentials in your trunk, it’s best to place them in a backpack to keep them all together and stop them from rolling around.

Don’t feel like purchasing each item? A quick Google search or Amazon search can lead you to roadside emergency kits already assembled for you!


While we hope for the best when taking road trips or traveling somewhere near, there’s nothing wrong with being prepared in case the worst-case scenario occurs. Stocking these essentials in your car will give you peace of mind when traveling with loved ones this winter.

Read more

Company information

Bob Oetting & Associates Insurance

905 W. Lincoln Ave
Charleston, IL 61920

Contact details

Phone: (217)-345-7063
Fax: (217)-348-5241
Email address:


Available Monday-Friday 8:00am - 5:00pm

COVID-19 Cares Act for Individuals & Small BusinessesLearn More