Quad Cities Homeowners Insurance

Your Complete Guide to Quad Cities, IL Insurance

When you need an agent you can trust

Quad Cities Illinois homeowners insurance

Quad Cities, IL, is made up of five smaller towns that make up its territory. It is known for unique food items, famous artists, and professional golf. Quad Cities is home to Rock Island and full of history.

When you own a home in this lively place, you'll need the right policy. An independent insurance agent can find coverage for an affordable price. You can connect with a local expert to start saving on your homeowners policy today.

Will Your Quad Cities, IL Home Have Coverage for a Disaster?

Natural disasters can strike at any moment. When they do, you'll need to be prepared. Get with an independent agent to review your coverage. Take a peek at the top exposures in Quad Cities, 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 a catastrophe, but you can be proactive. Flood damage is not covered under your primary home policy. For that, you'll need separate flood insurance. Speak with a Quad Cities independent agent for FEMA-approved quotes.

Does Your Quad Cities, IL Home Have Enough Liability Coverage?

Liability insurance is one of the most used coverages on your home policy. It will protect you and your family from a lawsuit. These losses can arise out of the following occurrences:

  • Bodily injury to others
  • Property damage to others

When you're looking to have the best coverage in town, consider umbrella insurance. This policy will add an extra layer of liability protection for a substantial claim. When your underlying liability limits are exhausted, umbrella insurance will apply. Discuss your coverage with a Quad Cities independent agent.

Does Your Quad Cities, IL Airbnb Have the Right Policy?

When you own an Airbnb in Quad Cities, you'll need the right protection. A regular homeowners policy won't provide the correct type of coverage. A local adviser can help.

Landlord insurance will have coverage for all your rental property exposures. Since you run an Airbnb, you'll need a policy through specific carriers that allow short-term rentals. Contact a Quad Cities independent agent for quotes.

Will Your Quad Cities Home Policy Cover a Break-In?

To ensure you don't have gaps in your home coverage, get a professional. If you're a burglary victim, you could be lacking protection when you're not properly insured. In the meantime, check out the burglaries per 100,000 households below:

  • National average: 376.00
  • Illinois average: 306.70

Fortunately, a local adviser can review your policy to make sure you have the right coverage. You'll need adequate personal property and medical payment limits for a break-in. Contact a Quad Cities independent agent for options. 

How to Save Premium on Your Quad Cities, IL Home Insurance

There are various techniques you can try to lower insurance costs. An independent agent can help you decipher which ones to start with first. Let's look at the average homeowners insurance premium:

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

If you're trying to reduce your home premiums, you'll need to work on a few things. There are areas you have control over and need to 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

Consider bundling your home and auto insurance with the same carrier for maximum results. Companies will give you 30% or more off coverage for placing your policies with them. Discuss other ways to cut costs with a Quad Cities independent agent. 

Why You Need a Quad Cities, IL Independent Insurance Agent

Illinois paid out $1,958,191,000 for property damage claims in 2016 alone. To have the proper protection for your home, use a professional. An independent insurance agent will help find coverage at an affordable price. 

Since they work on your behalf to find a policy that lasts, you'll get the best coverage. Connect with one of the 1,184 local experts in Illinois. TrustedChoice has a find-an-agent tool to get you started.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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