Common Myths About Homeowner Insurance in Illinois
Quick Answer: Several common myths cost Illinois homeowners money: that home insurance covers floods (it does not), that you should insure your...
Homeowners Insurance (2)
What Mortgage Lenders Require in a Home Insurance Policy
Quick Answer: Mortgage lenders require enough dwelling coverage to rebuild your home at replacement cost, the lender named as mortgagee or loss...
How Homeowners Insurance Works With Your Mortgage and Escrow
Quick Answer: If you have a mortgage, your lender requires home insurance and usually pays it through an escrow account, collecting a portion...
Signs It’s Time to Shop for a New Homeowners Insurance Policy
Quick Answer: It is time to shop for new home insurance when your premium spikes at renewal, your carrier non-renews you or leaves Illinois,...
Do You Need to Update Your Homeowners Insurance After a Renovation?
Quick Answer: Yes. Renovations raise your home's rebuild cost, so you should update your dwelling coverage after an addition, major remodel,...
Do Older Homes in Illinois Need Extra Insurance Protection?
Quick Answer: Yes. Older Illinois homes often need extra coverage because outdated wiring, plumbing, and roofs raise risk, and rebuilding to...
🏡🚗 Why an Independent Agent Is Better for Home & Auto Insurance
Quick Answer: An independent insurance agent represents many carriers, so they shop your home and auto across 20+ companies to find the best...
How Homeowners in Illinois Can Avoid Common Home Insurance Coverage Gaps
Quick Answer: The most common Illinois home insurance gaps are underinsuring your dwelling, having no flood or sewer-backup coverage, carrying...
How to Switch Homeowners Insurance Without Creating a Coverage Gap
Quick Answer: To switch home insurance without a coverage gap, line up your new policy to start the same day your old one ends, notify your...