Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
What is Homeowners Insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.
Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.
Protecting your family’s most valuable asset
from a damaging earthquake requires the purchase of earthquake insurance. At our agency we offer both stand-alone earthquake policies and earthquake insurance as part of a homeowners package. We offer the most competitive earthquake insurance products in the industry from a choice of different insurance companies. We help you choose the product that best fits your needs.
**We only write personal lines business in the state of Illinois.**
Click any of the following links to submit a quote for quick, accurate and affordable rates.
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.