What is homeowner's insurance?

Your homeowner's insurance provides coverage against damage and liability.

There are 3 types of homeowner's insurance:

1. Basic 
• covers fires, lightening, hail, explosions, vandalism, etc.
2. Broad
• basic + burglary, falling objects, ice, frozen plumbing...
3. Special
• basic + broad + allows you to list your own inclusions.

Liability refers to if a non-household member gets injured on your property, for example due to falling ice from your roof.

What is renters insurance?

Renters insurance only covers personal property owned by the insured; the owner of the dwelling must maintain coverage for damages to the home itself.

What is a dwelling policy?

If you do not qualify for a homeowner's policy - for example if you rent your home - it excludes liability coverage - this is the main difference between dwelling and homeowner's insurance. A dwelling policy will cover contents and the actual dwelling (structure) only.

Need a Personal Property Quote?

Submit your information for a personal property quote here.

OR

Call our office right now and an agent will get you a quote today!

312-332-5430