How to Get the Most Comprehensive Homeowners Insurance

Insuring your new home is your obligation in order to protect yourself, your family, and those who visit you at your home. You must protect the structure of your home inside and out against the elements. You must protect the inside of your home against theft of your personal possessions. And you must protect those who are guests of your home against injuries due to an obstacle that could cause them to fall or a pet who might bite them accidentally or on purpose.

With the elements dropping unexpected circumstances along the way, you must make sure that the coverage you have for your home covers the conditions that are common in your area. Those looking for Illinois homeowners insurance from know they must have the appropriate coverage to cover wind damage. Illinois is one of the top areas for tornadoes so having enough coverage to make sure your home can be repaired or replaced if it needs to be is pertinent.

When you speak with your insurance agent, you may want to ask questions about worst case scenarios. What if during a bad storm your electricity is knocked out for several days. Would your coverage pay to replace the food you had in your refrigerator and freezer? This could amount to hundreds of dollars but if it is addressed before you need it at least you will know if it happens.

If you have to leave your home because of weather conditions will your homeowners insurance pay for your hotel rental? If so, what is the limit either by how many days it will cover or the top dollar amount? This will give you time in advance to have a plan in place so you can take your family to safe shelter at a place that is familiar to you and at a price you can afford.

It is also important, especially in a place with so much wind to contend with, if structures that are not attached to your home are covered by your homeowner’s insurance policy. This would include a garage, carport, or shed.

The best thing you can do is ask a lot of questions of your insurance agent to see how much coverage you can get for your money. You should also take a pro-active stance and do everything you can to protect your home, family, and possessions.


Published by admin, in Homeowners Insurance.