Insurance tips, coverage breakdowns, and expert insights for individuals and businesses.

Homeowners Insurance (3)

2026 Illinois home insurance cost guide for Kane County, McHenry County, and Chicago homeowners

How Much Is Home Insurance In Illinois?

Most Illinois homeowners we talk to are paying 20 to 40 percent more for home insurance in 2026 than they were three years ago, even with no...

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Top 5 home insurance myths costing Kane County and McHenry County Illinois homeowners money in 2026

Top 5 Home Insurance Myths

Most homeowners do not learn what their policy actually covers until they file a claim. By then it is too late. After reviewing thousands of...

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Dave Rysavy's guide to what homeowners insurance does not cover, showing the major exclusions Illinois homeowners face and the endorsements that close each gap

What Is Not Covered By Homeowners Insurance?

Homeowners insurance is structured as an exclusion-based policy: it covers everything except what is specifically excluded. The exclusions are...

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Dave Rysavy's guide to what water damage is covered by Illinois homeowners insurance and what endorsements close the most common gaps

What Type Of Water Damage Is Covered By Homeowners Insurance?

Water damage is the second most frequently filed homeowners insurance claim in the United States, behind only wind and hail. The Insurance...

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