Homeowners Insurance

If you would like a Homeowners Insurance quote please click the link below: https://illins.agentinsure.com/EzWebsite/quote.aspx

Homeowners insurance protects you from financial losses resulting from theft or damage to your house, other buildings on your property and your personal belongings and from liability if you are legally responsible for causing injury to others or damage to their property. Most lenders require you to have homeowners insurance. Although you can buy separate policies for theft, liability and other perils, package plans combining these coverages are more common.

Basic Homeowners Insurance Coverages

Liability Coverage - Pays for bodily injury to another person or property damage for which you or members of your household are legally responsible. It may also pay for a lawyer to defend you if you need one.

Medical Payments Coverage - Pays for injury to another person who is accidentally injured on your property, or injured by you or members of your family. It pays up to the limit of medical payments coverage you purchased. This coverage pays no matter who is at fault. It does not apply to your own injuries or your family members living with you.

Property Coverage - Pays for physical damage to your home, personal property, and detached buildings on your property such as garages and tool sheds. Property coverage is the most complex part of your policy, and generally includes coverage for:

covered perils - events such as fire, windstorm and theft that cause sudden and accidental damage to your property. Your personal property is covered anywhere in the world. Keep in mind though that policies often limit how much you can recover for belongings damaged or destroyed away from home, or on high-priced items like jewelry, antiques, art, or computers.

additional living expenses - costs incurred above your normal living expenses when a covered loss forces you to move from your home temporarily. For example, it may pay a portion of your motel and restaurant expenses if a fire destroys your house or apartment.

Additional Coverages You Can Buy

Personal Property Replacement Cost - Pays to replace your personal belongings such as furniture, appliances, clothes, jewelry, and bicycles with materials of like kind and quality, without subtracting for depreciation. You are reimbursed for your personal belongings based on the amount it would cost you to buy a new one at today's cost, not the depreciated actual cash value.

Building Guaranteed Replacement Cost - Pays to rebuild your home even if it costs more than the policy limit (usually restricted to a certain percentage above your policy's limit: e.g., 20%). This is the most complete coverage you can buy for your home.

Refrigerated Products - Pays for goods damaged in your refrigerator or freezer.

Inflation Guard - Automatically raises your coverage limits each year based on price increases for building materials and labor (inflation).
Sewer Backup and Sump Pump Overflow Endorsement - Pays for damage to your finished basement caused by sewer backup or sump pump overflow. Even if your basement isn't finished, some contents may still be covered.

Illinois Insurance Center is one of the Midwest's fastest growing and most progressive insurance agencies. Established in 1973, Illinois Insurance Center, Inc., was built on hard work, excellent customer service and reasonable prices. We are a full service agency, representing many different carriers, providing all lines of insurance for your personal and business needs. You get the best for less!

Please allow our insurance professionals to provide you with a competitive Homeowners Insurance quote!
Click the link below to receive a Homeowners Insurance quote: https://illins.agentinsure.com/EzWebsite/quote.aspx

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