Chicago Homeowner Insurance

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Personal liability coverage can help protect you in the event of a claim. It also helps cover related costs if a legal suit is brought against you or a member of your household for bodily injury or property damage to others.

If the things inside your home are damaged, we will replace all the details that turned your house into a home, from upgraded appliances to custom cabinets, flooring, or carpentry. We’ll also replace upgraded appliances based on the exact or latest model available. We’ll make sure your belongings are covered for the amount it costs to replace them today, without deduction for depreciation, up to the limit you chose on your policy.

With extended replacement cost coverage, after a covered loss, you will pay to have your home repaired or rebuilt to its original condition if the cost exceeds your policy limit. We will even pay for upgrades made necessary by the loss due to modern building codes. 

Other structures coverage can help pay for covered damages to detached structures on your property like garages, sheds and fences.

If you have to temporarily move out of your home because of a covered loss, loss of use insurance will help pay for extra housing and living costs. For example, if you need to stay in a hotel or temporary apartment while your home is being fixed or rebuilt after a coveredof use insurance will cover those expenses. accident, loss 

 If water backs up from a sewer or drain within your home or if water discharges or overflows from your sump pump, this coverage can help cover the loss up to a specified dollar amount. This does not include coverage for flood or surface water backup. - Flood insurance is a different add-on coverage.

Identity fraud expense reimbursement coverage can provide up to $25,000 that can help cover expenses to restore your identity if it's used fraudulently.

A personal articles floater is a distinct insurance policy that offers protection for specific valuable items at an agreed-upon value. This policy provides an additional layer of coverage or higher amounts of coverage when required.

24/7 Claims Support: Our claims team is available around the clock to assist you when you need it most.

Discounts Available: Save more by bundling your home and auto insurance, installing safety features, paying in full, and more.

Online Account Management: Manage your policies, files claims, and access important documents anytime and where with our easy to use on-line portal.