Dwelling Coverage is the foundation, providing financial protection for the structure of your home in case of covered damages.

Other Structures Coverage is a key component of a homeowners insurance policy that protects structures on your property that are not attached to your main home, such as  detached garages, sheds, gazebos, pergolas, swimming pools, fences, and gates

Personal Property Coverage in a homeowners insurance policy protects your belongings—furniture, clothing, electronics, and more—against covered perils like theft, fire, and storms. It ensures you can replace your possessions if they are damaged or lost.

Sewer and backup and sump pump failure coverage to protect your basement from flooding is a common issue in many Chicago neighborhoods.

Personal Liability Insurance provides financial protection if you are found legally responsible for bodily injury or property damage to others.

Loss of Use Coverage in a homeowners insurance policy provides financial assistance if your home becomes uninhabitable due to a covered loss, such as a fire, storm damage, or other insured peril. It helps cover temporary living expenses while your home is being repaired or rebuilt.

A Personal Articles Floater policy provides specialized coverage for high-value personal belongings that may exceed the limits of a standard homeowners or renters insurance policy. It offers broader protection, including coverage for accidental loss, theft, and damage.

Identity theft can happen to anyone. If your personal information is stolen and used fraudulently, the costs to restore your credit and reputation can be overwhelming. Identity theft coverage helps you recover quickly and with less stress.