Metro East Homeowners Insurance

Your Complete Guide to Metro East, IL, Insurance

How to connect with a local professional

Metro East Illinois Homeowners Insurance

Metro East is a unique blend of cities along the eastern part of St. Louis, IL. It's known for its diverse community and urban lifestyle. The many areas that make up the Metro East territory are thriving small to mid-sized towns. 

When you own a home in Metro East, you'll want protection. An independent insurance agent can help find a policy that fits. You can connect with a local expert in minutes to find a reliable policy. 

How to Save on Your Metro East, IL, Homeowners Policy

There are various ways you can save on your Metro East home insurance. An independent agent can help you decipher which items to focus on first. Let's look at the average homeowners premium:

  • National average: $1,211
  • Illinois average: $1,056

If you're trying to cut costs, there are things you can do to get lower rates. While you won't have control over everything, personal data is one area you can improve. Below are a few items you can review to get you started:

  • Improving your credit score
  • Filing fewer insurance claims
  • Updating your roof, electrical, plumbing, or heating

For instant savings, discuss bundling with an adviser. When you bundle your home and auto insurance, you'll save big. Contact a Metro East independent agent for more price-reducing techniques.

Why Your Metro East, IL, Rental Property Might Not Be Insured Correctly

If you own a short or long-term rental in Metro East, IL, you'll need the right policy. Standard homeowners insurance won't be adequate protection. Since a rental property has different exposures, you'll need different coverage.

Landlord insurance will cover tenant risks and your interests as the owner. You can find the best policy and price with a professional. Contact a Metro East independent agent for quotes. 

Does Your Metro East, IL, Home Have Protection for a Catastrophe?

Disasters and catastrophes can strike with no warning. The only way to be prepared is to be proactive. Adequate coverage can be found with the help of an adviser. Take a peek at the top exposures in Metro East, IL:

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

You can't avoid every disaster, but you can make sure your coverage is sufficient. Your primary home policy won't have coverage for flood damage. You'll need to obtain separate flood insurance to have the right protection. Speak with a Metro East independent agent for details.


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Does Your Metro East, IL, Home Have Coverage for a Break-In?

When you have a break-in, you won't want to worry about insurance. To have the right policy in place, discuss your personal property options with an adviser. In the meantime, check out the burglaries per 100,000 households below:

  • National average: 376.0
  • Illinois average: 306.7

If a burglary goes bad and you sustain injuries, you'll want to ensure your medical payments coverage is sufficient. Most home policies only have $5,000 in medical payments limits. Contact a Metro East independent agent to review. 

Does Your Metro East, IL, Home Have Proper Liability Coverage?

Liability insurance will protect against a number of claims. It is one of the most used limits on your policy. Liability coverage will defend your household members against the following losses:

  • Bodily injury to others
  • Property damage to others

When you have a claim that exceeds your underlying home limits, you'll need an umbrella policy. Umbrella insurance will provide additional liability coverage, starting at $1,000,000. Speak with a Metro East independent agent for quotes. 

Why You Need a Metro East, IL, Independent Agent

Illinois paid out $1,958,191,000 for property damage claims in 2016 alone. It's more important than ever to have the right protection. An independent insurance agent will work on your behalf at no cost to you. 

They will do all the shopping, saving you time and premium dollars. An independent agent has access to several carriers, giving you options on coverage and cost. Connect with one of the local experts on to start saving today.

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