Homeowners Insurance
Reliable protection for your home, belongings and peace of mind. We compare policies from multiple carriers to find coverage that fits your property, lifestyle and budget.
What's Covered
Comprehensive Protection for Your Home
Every home is different. As an independent agency, we compare homeowners policies from multiple carriers to build coverage that actually matches your property, neighborhood, and budget.
Dwelling Coverage
Protects the physical structure of your home — walls, roof, foundation, and built-in systems like plumbing and electrical — against fire, wind, hail, and other covered perils.
Personal Property
Covers your belongings inside the home including furniture, electronics, clothing, and appliances. We can add scheduled items for jewelry, art, or collectibles.
Liability Protection
If someone is injured on your property or you accidentally damage someone else's property, liability coverage pays for legal fees, medical bills, and settlements.
Additional Living Expenses
If your home becomes uninhabitable due to a covered loss, this pays for temporary housing, meals, and other living costs while repairs are made.
Water Damage & Sewer Backup
Standard policies have water damage limits. We help you add endorsements for sewer backup, sump pump failure, and other water-related risks common in Chicago homes.
Other Structures
Covers detached structures on your property — garages, fences, sheds, and decks — that aren't part of the main dwelling.
Optional Coverages
Add-Ons That Matter
Every home has unique risks. These optional coverages help fill in the gaps.
Sewer or Water Backup Coverage
Protects against damage caused by backed-up drains, sump pump failures, or sewer line overflow—especially useful for homes with basements or older plumbing systems.
Service Line Coverage
Covers underground utility lines—like water, gas, or electric—that run from the street to your home. This helps with repair costs if they fail or break, including excavation & restoration.
Scheduled Personal Property
Offers enhanced protection for high-value items like jewelry, collectibles, bicycles, fine art, or musical instruments that may exceed your basic policy limits.
Common Questions
Homeowners Insurance FAQ
Buying or reviewing homeowners insurance can feel overwhelming. Here are answers to the questions we hear most from homeowners across Illinois, Indiana, and the Midwest.
Your dwelling coverage should match the cost to rebuild your home — not the market value or purchase price. We calculate replacement cost based on square footage, materials, and local construction costs to make sure you're properly covered.
Standard homeowners policies do not cover flood damage. If your home is in or near a flood zone, we can help you add a separate flood insurance policy. Even homes outside flood zones can benefit from flood coverage — over 20% of flood claims come from low-risk areas.
Actual cash value pays what your belongings are worth today after depreciation. Replacement cost pays what it costs to buy new. We generally recommend replacement cost coverage so you're not stuck paying out of pocket to replace damaged items.
Bundling home and auto, increasing your deductible, installing security systems or smart home devices, and maintaining a claims-free history can all reduce premiums. As an independent agency, we also shop multiple carriers to find the best rate.
Most standard policies have limited coverage for business equipment and zero coverage for business liability. If you work from home, we can add endorsements or a separate policy to protect your equipment and cover client visits.
Additional living expenses (ALE) coverage pays for temporary housing, meals, and other costs while your home is being repaired. We make sure your ALE limits are high enough to cover realistic costs in the Chicago area.
Get a Free Homeowners Insurance Quote
We compare policies from multiple carriers to find the right coverage at the best price. No pressure, no obligation — just honest options.