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Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Homeowners Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Homeowners Insurance Information

Protect your home; Protect your family.

Your home is more than a roof and four walls. If you’re like most people, your home is your most important asset. A significant loss to your home or property can be traumatic. Don’t risk your family’s financial security by foregoing the proper protection.

Homeowners policies also provide you with liability coverage for bodily injury or property damage for which you or members of your household are legally responsible. Whether you own a home, a condo, or a townhome, most lenders require that you have homeowners insurance.

Want to save money on your home insurance?

Insurance companies sell many different types of homeowners policies and prices can vary greatly. Some common factors that may affect the premium include:

  • Location
  • Type of policy and amount of coverage
  • Deductible
  • Type of construction (wood, brick, masonry)
  • Age of the home
  • Condition of the property
  • Number of dwelling units
  • Your recent claim history
  • Your credit history

Contact our office today to discuss what level of protection is right for you and your family. We can help you determine the coverage you need to ensure the financial security of your family should a loss occur.

Let us help you lower your homeowner insurance costs

Our insurance professionals will help you secure the homeowners insurance discounts that are available to you. Some companies offer discounts that can lower your premium. Examples include:

  • Fire and/or burglary alarm
  • Sprinkler system
  • Multi-policy discounts
  • New home discount
  • Age of insured discount
  • Fire resistant building materials

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it 

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. In most cases, you must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 
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420 Lake Cook Road, Suite 111 | Deerfield, IL 60015 | T: 847.945.0155 | F: 847.945.0428 Powered by Insurance Website Builder