Coverage · Homeowners
Illinois home insurance, matched to your house and priced across carriers.
Your home is probably your largest asset. We compare top carriers on the same coverage and match the policy to what your house would actually cost to rebuild.
What it covers
Dwelling
Rebuilds your home after fire, wind, hail, and other covered damage. The right amount is rebuild cost, which is different from your purchase price or market value.
Other structures
Detached garages, fences, and sheds. A standard percentage of dwelling coverage, which we adjust when your garage is worth more than the default.
Personal property
Furniture, clothes, electronics, and everything else inside. We quote replacement cost coverage so a five-year-old sofa is replaced with a new one.
Liability
Protects you if someone is injured on your property or you damage someone else's. This is the cheapest serious protection in the policy.
Loss of use
Pays for somewhere to live while your home is repaired after a covered loss.
Water backup
Sewer and drain backup is a common Chicago-area loss and it is excluded from standard policies. The endorsement is inexpensive and we quote it by default.
Worth knowing
What a licensed agent watches for
Rebuild cost drives the premium
Your premium is based on what it would cost to rebuild your home at today's construction prices, which is why premiums have climbed even for houses that have not changed.
Hail and wind are the Illinois story
Illinois ranks high for severe weather claims. Roof age and material matter to every carrier, and a newer roof can genuinely move your rate.
Deductibles are a lever
Raising the deductible you could comfortably absorb lowers the premium every year. Pick the number you could actually write a check for tomorrow.
Common questions
Enough to rebuild at today's construction costs. Your agent calculates this from your home's size, age, and construction, and explains the number instead of guessing high.
Standard policies exclude flood and sewer backup. Water backup can be added with an inexpensive endorsement, and true flood coverage is a separate policy. Your agent will tell you which one your situation calls for.
No. Your new policy replaces the old one with no gap, we handle the escrow paperwork with your lender, and your mortgage does not change.
Related coverage
One call does it.
Sixty seconds to start. A licensed agent does the rest.