Protect the Place You Call Home
Your home is more than a building. The right insurance can help protect your home, belongings, and finances when the unexpected happens.
Our Insurance Advisors compare coverage options from multiple insurance companies and help you find protection that fits your property, needs, and budget.
Get a Home Insurance Quote Our Insurance Advisors compare coverage options from multiple insurance companies and help you find protection that fits your property, needs, and budget.
Coverage for Wherever You Call Home
Build Coverage Around What You Need.
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Homeowners InsuranceProtection for your home, belongings and personal liability. - Condo InsuranceCoverage designed for your condo unit, personal belongings and liability.
- Renters InsuranceProtect your belongings and personal liability when you rent your home.
- Rental Property InsuranceCoverage designed for homes you own and rent to others.
Not Everything Is Covered by a Standard Homeowners Policy
Some losses may require separate coverage or an endorsement.
Flooding
Standard homeowners insurance generally doesn't cover flooding from rising water.
Earthquakes
Earthquake coverage generally requires separate coverage.
Sewer & Sump Pump Backup
You may need to add coverage to your homeowners policy.
Valuable Items
Jewelry, fine art, and other high-value belongings may require additional coverage.
Flooding
Standard homeowners insurance generally doesn't cover flooding from rising water.
Earthquakes
Earthquake coverage generally requires separate coverage.
Sewer & Sump Pump Backup
You may need to add coverage to your homeowners policy.
Valuable Items
Jewelry, fine art, and other high-value belongings may require additional coverage.
What Does Homeowners Insurance Cover?
A homeowners policy can include several types of protection:
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Your HomeHelps repair or rebuild your home after damage caused by a covered loss. -
Other StructuresMay cover structures such as a detached garage, shed or fence. -
Personal BelongingsHelps protect furniture, clothing, electronics and other personal property. -
Personal LiabilityHelps protect you financially if you're legally responsible for certain injuries or property damage to others. -
Additional Living ExpensesMay help with additional living costs if a covered loss makes your home temporarily uninhabitable. -
Medical Payments
to OthersMay help with certain medical expenses if a guest is injured on your property, subject to policy terms and limits.
Buying a Home?
Your Lender May Require Insurance.
Your Lender May Require Insurance.
Homeowners insurance isn't just about satisfying your mortgage lender. It helps protect one of your largest financial assets.
Most mortgage lenders require homeowners insurance while you have a mortgage. If coverage lapses, a lender may obtain insurance protecting its interest in the property, potentially at a higher cost and with more limited protection than a homeowners policy you select yourself.
Buying a home?
Replacement Cost or Actual Cash Value?
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Replacement CostThe estimated cost to repair or replace covered property with materials or items of similar kind and quality, without subtracting depreciation. - Actual Cash ValueThe value of covered property after depreciation is taken into account. The cheapest policy isn't always the cheapest after a loss. Understanding how your property will be valued matters.
What Can Affect Your Home Insurance Premium?
Your rate may depend on factors such as:
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LocationWhere your home is located and risks in the surrounding area. -
Age & ConstructionThe age, size, materials and construction characteristics of the home. -
RoofRoof age and condition can affect eligibility and pricing. -
Replacement CostHow much it may cost to rebuild the home. -
Claims HistoryPrevious insurance claims may affect available options and premiums. -
Coverage & DeductibleYour coverage limits, endorsements and deductible choices affect price. -
Safety FeaturesSome insurance companies may offer discounts for qualifying alarms, security systems or other protective devices.
Need More Liability Protection?
Get a Quote Home + Auto = Worth Comparing
Already have Auto Insurance?
Placing your Home and Auto policies with the same insurance company may qualify you for a multi-policy discount, depending on the carrier.
Placing your Home and Auto policies with the same insurance company may qualify you for a multi-policy discount, depending on the carrier.
Home Insurance FAQ
Homeowners insurance is not required by Illinois state law. However, most mortgage lenders require it to protect their investment. Even if your home is paid off, homeowners insurance is highly recommended to help protect your property, belongings, and personal liability.
Your dwelling coverage should generally be enough to rebuild your home at current construction costs, which may differ from its market value. You should also consider coverage for personal belongings, additional living expenses, and personal liability. Our Insurance Advisors can help you determine appropriate coverage limits.
Replacement Cost coverage generally pays to repair or replace damaged property with similar materials or items without deducting for depreciation.
Actual Cash Value (ACV) takes depreciation into account, which usually results in a lower claim payment. Both options are subject to policy terms, limits, and deductibles.
Actual Cash Value (ACV) takes depreciation into account, which usually results in a lower claim payment. Both options are subject to policy terms, limits, and deductibles.
Standard homeowners insurance policies typically do not cover damage caused by flooding. Separate flood insurance may be available through the National Flood Insurance Program (NFIP) or private insurers. Flooding can happen outside designated high-risk flood zones, so it's worth reviewing your options.
Sewer or drain backup is generally not covered under a standard homeowners insurance policy. However, many insurers offer optional Water Backup Coverage, which may help pay for covered damage caused by backed-up sewers, drains, or sump pump failures. Coverage limits and exclusions vary by policy.
Most homeowners insurance policies provide some coverage for jewelry, but special limits may apply to theft and certain other losses. For valuable items such as engagement rings, watches, or expensive jewelry, additional scheduled personal property coverage may provide broader protection.
Condo owners typically need HO-6 Condo Insurance, which can cover personal belongings, liability, and certain interior portions of the unit. Your condo association's master policy usually covers designated shared areas and parts of the building. The coverage you need depends on what the association's policy includes.
If you own a property that you rent to tenants, you may need Landlord Insurance, also known as a Dwelling Fire or Rental Property policy. It can help protect the building, provide liability coverage, and cover certain lost rental income following a covered loss. Your tenants should consider Renters Insurance to protect their own belongings and liability.
Absolutely! Many insurance companies offer discounts when you combine Home and Auto insurance. Bundling may help you save money and simplify policy management. Our Insurance Advisors can compare options from multiple insurers to find the right combination of coverage and price.
To get a home insurance quote, you'll typically need your property address, year built, square footage, roof details, and information about recent renovations or updates. You may also be asked about your current insurance, previous claims, and desired coverage. Our Insurance Advisors will guide you through the process and help you compare quotes from multiple insurance companies.