Meet Jimmy Howe | Meet Todd Howe

About the Howe Insurance Store

About Howe Insurance Store

Our family has a long heritage in the insurance business. Ross C. Swartz – Jimmy’s grandfather and Todd’s great-grandfather – started an insurance agency in Farmer City in 1930.

Since then, with the exception of a few years between when Grandpa Ross sold his agency to the time Jimmy entered the industry, our family has continuously provided insurance to families and businesses in East Central Illinois.

Eight decades later, we started the Howe Insurance Store, a one-stop shop for all your insurance needs. Think of us as discount store meets local merchant.

You get the lowest rates everyday on a wide assortment of insurance products, along with the kind of personal service you long for, but often don’t get anymore.

We are independent – we look out for you, not an insurance company.

We are local – when you need us, we’re not only available by phone or email, you can actually see us in person if you want!

You can count on us to use our experience and expertise to insure that you pay less and protect more.

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Meet Jimmy Howe

Jimmy HoweAfter college and a 2-year stint in the military, my family’s heritage in insurance steered me to the business. I got my start as an agent for Prudential.

After 29 years, I partnered with my son-in-law, Mark Holm, CPA, to offer investment products.

Now, I am also a partner with my son, Todd, at the Howe Insurance Store. I’m proud of our ability to use our extensive industry connections, developed over more than forty years, to help clients pay less while they protect more.


  • Raised on a farm near Mansfield, IL
  • Attended first grade in a one-room country school
  • Graduated from Mansfield High School
  • Graduate of the University of Illinois (B.S. in Education, minors in Aviation and History)
  • Holder of a pilot’s license from the Federal Aviation Administration (FAA)
  • 2-year veteran U.S. Army – Field Artillery at Fort Sill, OK
  • Former captain in the Illinois National Guard
  • Active in the Military Officers Association
  • Proud husband, father, grandfather, great-grandfather
  • Member of the Apostolic Life United Pentecostal Church
  • Passionate volunteer at Life-Line Connect, a substance abuse recovery center
  • Hobbies: NASCAR, traveling, woodworking (having carved and painted over sixty decoys)

Life Insurance
Life Insurance for Business Owners
Health Insurance
Group Health Insurance
Crop Insurance

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Meet Todd Howe

Todd HoweI came to the family business after time as an advertising representative. I am passionate about helping our clients protect their assets against losses.

After analyzing a client’s current insurance policies, I am proud of our ability to design a customized insurance plan which fills gaps in coverage, eliminates unnecessary endorsements, and removes inappropriate liability limits.

Much like a doctor diagnoses medical conditions, I love identifying risks to a client’s bank account and then prescribing the best solution so they pay less and protect more.


  • “Burnham baby” – born at Burnham City Hospital in Champaign, IL
  • Lifelong resident of East Central Illinois
  • Monticello resident
  • Proud husband and father of three
  • Hobbies: traveling, home improvements, yard work

Car Insurance
Homeowners Insurance
Renters Insurance
Personal Umbrella Insurance
Business Owners Package
Commercial Property Package
Commercial Auto Insurance
Inland Marine Insurance
Workers Compensation Insurance
Professional Liability Insurance
Landlord Insurance

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