Homeowners Insurance in Chicago, IL
At Salvador Insurance Agency, we work with homeowners across the city to customize insurance solutions that reflect your property type, location and coverage preferences.
What Does a Homeowners Policy Typically Cover?
A standard homeowners insurance policy is designed to address common risks that come with owning and maintaining a home. Coverage may include:
- Dwelling coverage may help pay to repair or rebuild your home’s structure after covered events such as fire, hail or wind.
- Personal belongings coverage may reimburse you for personal items such as furniture, electronics, clothing and appliances if they are damaged or stolen.
- Liability coverage may assist with expenses if someone is injured on your property or if you are found legally responsible for damage to someone else’s property.
- Loss of use coverage may help cover the cost of temporary living arrangements if your home becomes uninhabitable due to a covered loss.
- Other structures coverage may provide protection for detached structures on your property, such as garages, fences and sheds.
Understanding Illinois’s Risks
Older housing or urban density all factor into your coverage needs in Illinois. We consider those local variables when helping you determine the right policy limits and whether you should consider optional add-ons such as sewer backup, flood insurance or extended replacement cost coverage.
Consider Local Service for Clear Answers
We believe insurance shouldn’t be overwhelming. Our agents take time to explain your options, answer questions honestly and recommend coverage that aligns with your long-term goals.
Call our Illinois office today to request a homeowners insurance quote or schedule a quick coverage review with a local agent.