Car accidents, problems and vandalism happen to even the most careful drivers. The State of Illinois requires that all drivers have minimum amounts of liability coverage, uninsured motorist bodily injury insurance and uninsured motorist bodily injury insurance. Medical payments, towing coverage, property damage and collision insurance may be good options, depending on where and how frequently you drive.
- Cars away at school with student
- Sports Cars
- Classic Cars
Winter snow storms that send trees and power lines falling, to summer's hail-filled thunderstorms, to tornadoes ripping across the plains and causing plenty of damage in their wake. Any one of these disasters, even a minor one, could set you back hundreds, if not thousands of dollars.
- Primary Home
- Seasonal/Secondary Homes
- Rental Homes
- Mobile Homes
- College dorms
If you are a renter you should protect your assets inside your apartment with renters insurance. This includes but is not limited to: (clothing, furniture, jewelry, electronics).
Your landlord's insurance policy does not cover your personal property.
Renter's policies are cheaper, let one of our agents quote your apartment unit today!
Common areas are typically covered by your association's insurance policy. Your bylaws may dictate what you are responsible for insuring your unit. Some examples of what you need to cover are:
- Furniture, appliances, and other personal property items.
- Kitchen, bathroom, cabinets, fixtures, and similar items.
- Wall or floor coverings and similar upgrades to the interior.
- Special assessments coverage in the event of an unexpected common element claim.
The association's insurance policy does not cover your personal liability. A condominium unit owner policy will include on premises and off premises liability.
We can help you understand what is covered by your association and what is not, to make sure you are getting the policy that is best fitted for your needs.
Vacant Home Insurance
A vacant home will have additional risks that are not included under a normal homeowners policy contract. Below are a couple examples of when you would need a vacant home policy.
- You are renovating a home before moving in.
- You are renovating a home to put on the market.
- Sudden death of property owner, and property becomes vacant until estate is settled.
If you have a situation like those above or you are unsure, please contact our agency. We are here to help.