Illinois Homeowners with Home insurance coverage

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Home insurance in Illinois isn’t something to take lightly. If there’s an emergency, you need the peace of mind that comes from knowing you have adequate insurance coverage. At Jones Insurance Agency, Illinois homeowners can find the home insurance they need. Here’s what you need to know about home insurance in Illinois.

You Need the Right Type of Home Insurance in Illinois

Home insurance packages aren’t the same across the board. At a minimum, most home insurance packages in Illinois cover:

  • Physical damage to your home or other structure on your property
  • Damage or theft of your personal property
  • Loss of use of your home during repairs
  • Liability if someone suffers an injury on the property

Understand that these coverage options will only cover your home and belongings from named perils. Most policies include fire, lightning, smoke, storm, and theft by name. If the peril isn’t specifically named, you likely don’t have coverage for it.

You can also find policies that are more open to the perils. For example, instead of coverage for only the named things, you’ll have coverage for any type of damage except specifically named ones.

You Need to Know What Home Insurance Doesn’t Typically Cover in Illinois

Many home insurance policies will not automatically cover the following:

  • Flood damage
  • Earthquake damage
  • Wear and tear
  • Sewer backup damage
  • Business-related damage

You should always know precisely what you have coverage for and what you don’t.

You Need the Right Amount of Home Insurance in Illinois

Your home insurance can only pay out up to the insurance coverage limit. If a disaster destroys your home, your insurance company cannot pay to fully replace it if your coverage limit is less than the replacement cost. Make sure you choose not just the right type of home coverage, but the right amount of it as well.

With Jones Insurance Agency, Illinois homeowners have an insurance carrier who will work with them to figure out the best options. Contact us today or use our online rating tool for a quick quote.