Key Differences Between HOA Fees And HOA Insurance
HOA fees pay for shared maintenance and amenities. HOA insurance is a master policy covering property and liability...
Pro Insurance Group
Insurance Cost Guides and Coverage Answers
Real premium ranges, coverage breakdowns, and plain answers to the questions people actually ask before they buy. Every guide is written by a licensed advisor on our team and reviewed before it goes live.
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Latest Guides
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Does My Landlord Insurance Cover Multiple Properties?
Does landlord insurance cover multiple properties? Often yes, through a blanket or scheduled policy. See how Illino...
Does Landlord Insurance Cover Tenant Property Damage?
Tenant damage, tenant belongings and the deposit-first recovery order: when a $2,000 repair is a deposit matter and...
What Landlord Insurance Policy is Required in Illinois?
Illinois law does not require landlord insurance, but most lenders and many HOAs do. The coverages every Illinois r...
Should I Add My Landlord to My Renters Insurance? Yes-Here's Why
Lease says add the landlord? List them as an interested party (additional interest), not additional insured. It is ...
Does Landlord Insurance Cover Loss of Rent?
Covered when a fire or storm makes the unit uninhabitable; not when a tenant stops paying. What fair rental value p...
How to Become a Property Manager: Licensing to First Clients
How to become a property manager: Illinois licensing rules, certifications worth earning, the insurance your new fi...
5 Tips For Becoming A Landlord
Thinking of renting out property in Illinois? These five tips, from insurance to tenant screening, help new landlor...
Is Landlord Insurance Worth It? The Cost vs. Exposure Math
Is landlord insurance worth having? Compare the premium against what one uninsured event costs, and why a homeowner...
Working With an Independent Broker
The questions people ask before they call.
Does it cost more to buy through an independent agency?
No. Pro Insurance Group charges no agency fees, and carrier rates are filed with the state, so the premium is the same whether you buy direct or through us. The difference is that we can put your risk in front of more than 20 carriers instead of one.
Who actually writes these guides?
Licensed advisors on our team. Commercial guides are written by Neal Fusco, VP of Commercial Lines, who has 25 years across both the carrier and agency sides. Personal lines guides are written by Dave Rysavy, VP of Personal Lines. Every guide is reviewed before it publishes.
Are the premium ranges in these guides real?
They are ranges, not quotes. We publish what we see across the carriers we place business with, broken out by business profile or risk factors so you can find the row that looks like you. Your actual premium depends on your specific exposure, claims history, and location.
How long does it take to get a real quote?
A few minutes to start. You give us the basics, an advisor shops your risk across our carrier panel, and you get options with the reasoning behind each one. There is no obligation and no fee to see what is available.
Independent. Local. No agency fees.
Reading Is Smart. Saving Is Better.
You have done the homework. Now let a local advisor shop 20+ top-rated carriers and find your right coverage at the right price. It takes a few minutes and there is no obligation.