Long Grove, IL Homeowners Insurance

Illinois is prone to many disasters, including lightning damage, heavy snow, and tornadoes. All of these disasters can cause extensive damage to your home. Fortunately, a homeowners insurance policy can help you get reimbursed for many threat-related losses.  

An independent insurance agent in Long Grove can help you get equipped with the right type of homeowners insurance for you. They'll make sure you walk away with all the coverage you need. But until then, here's a closer look at homeowners insurance in Long Grove, IL.

What Is Homeowners Insurance?

Homeowners insurance is a type of coverage designed to protect against financial losses if a catastrophe damages or destroys your home. Coverage can reimburse for theft of your personal items and damage or destruction to them and your home's structure. Your personal liability is also covered, as is a temporary loss of use of your home if it must undergo significant repairs. 

What Does Homeowners Insurance Cover in Long Grove, IL?

Standard homeowners insurance policies in Long Grove, IL often come with the following:

• Contents coverage: If your contents or personal property, such as furniture, collections, silverware, etc., get stolen or damaged by a covered peril, home insurance can help reimburse you.
• Dwelling coverage: If your home's structure gets struck by lightning, damaged or destroyed by a fire, etc., your home insurance can help reimburse you for repairs or rebuilding.
• Additional living expenses: If your home gets extensively damaged by a covered peril like a fire and you need to stay in a hotel while it's being repaired, your home insurance can reimburse you for these extra costs.
• Liability coverage: If a neighbor, guest, or other third party sues you for bodily injury or personal property damage, your home insurance can help cover your legal fees, even if you're not found liable in court.

An independent insurance agent in Long Grove, IL not only knows which coverages you need in a homeowners insurance policy but also knows where to find them. They'll help you get a home insurance policy that does everything you need.

What's Not Covered by Homeowners Insurance in Long Grove, IL?

Your homeowners insurance can't cover absolutely everything. Home insurance policies in Long Grove, IL most often exclude the following:

• Damage caused by insects or pests
• Lawsuits related to malicious or intentional acts by you
• Costs related to maintenance of the home
• Damage caused by nuclear fallout or war
• Damage caused by natural flooding or earthquakes

Since Illinois is prone to many types of natural disasters, you may consider adding flood and earthquake insurance policies to your home insurance. These are separate coverages that are necessary because home insurance excludes these perils. Your independent insurance agent in Long Grove can help you find them.

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How Much Does Homeowners Insurance Cost in Long Grove, IL?

Homeowners in Illinois tend to pay less for their insurance than the current national average of $1,211 annually. In fact, Illinois residents only pay about $1,056 per year for home insurance. Your local independent insurance agent in Long Grove can certainly help you find affordable homeowners insurance near you.

The Most Common Home Disasters in Long Grove, IL

Like all other states, Illinois comes with its own set of disasters it's most prone to.

The top home disasters in Illinois are:

1. Severe storms and lightning damage
2. Flooding and water damage
3. Tornadoes
4. Heavy snow
5. Burglary and other property crimes

For the protection your home needs against natural flooding, talk with your independent insurance agent in Long Grove about flood insurance. Otherwise, your home insurance does cover many of these other top threats.

Cheap Homeowners Insurance Near Me

Cheap insurance rates can seem like an easy and obvious way to save money. Unfortunately, they can often actually mean the opposite. Cheaper homeowners insurance often comes with lower overall coverage limits, meaning you might not get the full reimbursement you need for a large claim.

A cheaper premium can also mean a higher deductible, which would leave you covering more of a claim out of your own pocket before receiving reimbursement. Further, sometimes cheaper rates can indicate a lower-quality carrier, so it's important to check out customer reviews and other ratings first. Your independent insurance agent in Long Grove knows which carriers to recommend based on customer satisfaction, etc.

What Are the Best Homeowners Insurance Companies in Long Grove, IL?

You can also start your home insurance journey by checking out just a few of our top recommendations for quality, affordable coverage in Long Grove, IL right here.

Top Homeowners Insurance Companies in Long Grove, IL	Star Rating
Selective Insurance
Westbend
Nationwide
Travelers
Central Insurance

Why Work with an Independent Insurance Agent in Long Grove, IL?

There's no such thing as a one-size-fits-all homeowners insurance policy. With a wide variety of products and options at your disposal, you can put together a solid home insurance package that's custom-built for you and your family.

Independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best homeowners insurance companies in Illinois to find you the right coverage at a great price.