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Easily Compare Multiple Homeowners Insurance Options in Chicago

Homeowners in Chicago are protective of their hard-earned homes, as it is likely one of the largest assets that they own. As providers of affordable insurance quotes in Chicago, we pride ourselves in helping homeowners find the best possible insurance rates to protect their homes. This means you get to

Please note that traditional homeowners insurance cannot be applied to rental properties or homes that are not occupied. In this case, you would need a “specialty dwelling” policy with which we would also be happy to help!

Is Chicago Homeowners Insurance Important?

Having homeowners insurance is one of the most important steps that a homeowner can take. Whether you live in the city itself or another area of Illinois, our team at Insured ASAP can present you with all of your options while you sit back and relax.

If this is your first time delving into the world of homeowners insurance, you’ll quickly realize the sheer amount of options that you have at your fingertips. If you don’t know where to begin, turn to our experts at Insured ASAP.

How Do Policies Differ?

Different companies offer varying levels of protection, coverage, conditions, limitations, endorsements and riders, and many other moving parts that ultimately determine how robust your coverage is.

Policies differ based on the number of losses that are covered, the specific type of coverage that you choose, and the type of residence in which you reside.

Common Coverages

Many policies feature the following types of coverage:

  • Dwelling: This facet of coverage refers to the structure of the house itself. The costs depend on many factors such as the cost of raw materials, labor, and overall supply and demand.

  • Secondary structures: This is a general phrase that refers to sidewalks, driveways, detached buildings, sheds, or garages. This coverage amount is usually about 10 percent of your dwelling limit.

  • Personal property such as electronics, furniture, clothing, appliances, etc.

  • Scheduled personal property: This refers to scenarios that you want special coverage for, including coverage for collectibles, rugs, jewelry, etc.

  • Loss of Use: In the case that your home suffers a loss and you need to live somewhere else temporarily, loss of use will cover it.

  • Medical expenses in the case that guests are injured on your property. This coverage does not apply to medical expenses that you or your family members need.

  • Family and personal liability: If someone is injured or their property is damaged and you are the culprit, this type of coverage will kick in.

Insured ASAP Infographic April

FAQs About Homeowners Insurance in Chicago

Is homeowners insurance required?

This depends on the state in which you live. In most cases, your mortgage lender will require at least a certain level of coverage in order to provide you with a loan. Even if homeowners insurance isn’t required in your state, it’s always a good idea to invest in it. It can help protect your hard-earned investment.

How much does homeowners insurance cost?

The answer to this depends on how much your home is worth in addition to the amount of coverage you want. There are other factors that play into the cost of homeowners insurance, including the number of claims you have filed in the past, the crime in your area, the state in which you live, etc. Our team at Insured ASAP is here to help ensure you get the lowest rate possible for your needs!

Can my homeowner’s insurance drop me?

Yes, however, there is a difference between being dropped by your insurance provider and canceling your plan. If your insurance provider drops your coverage, it means your coverage will not be renewed when it expires, forcing you to purchase another. If you choose to cancel your homeowner’s insurance, you can do so at any time.

Get Started with Your Homeowners Insurance Quote Today

Leave the task of finding homeowners insurance quotes in Chicago to our team at Insured ASAP. Whether you need us to review your current policy or help you shop for new ones, our team is here to help.

Please get in touch with us to get started!

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