Top Illinois Insurance Questions and Answers

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How much is Homeowners Insurance in Illinois

How Much Does Homeowners Insurance Cost in Illinois?

Without the right coverage, just one catastrophe could be devastating to a homeowner. A natural disaster or act of vandalism could cause extensive damage. Fortunately homeowners insurance exists to help us prepare for these incidents and more, and an Illinois independent insurance agent can help you find coverage and costs.

If I Hit a Deer with My Car, Will My Insurance Cover It?

Car insurance will pay if you hit a deer with your vehicle in Illinois, but only if you have comprehensive insurance coverage. This optional coverage can be added to your Illinois car insurance policy. Work with an Illinois independent insurance agent to shop car insurance quotes and get the coverage you need for your car.

Space heater against a wooden wall. If There's an Electric Fire in Your New House, Who's Responsible?

If There's an Electrical Fire in Your New House, Who's Responsible?

Do you have the proper Illinois home insurance to protect you against electrical fires? Do you have to pay if an electrical fire happens in a new home, or is it the responsibility of the builder? Work with an Illinois independent insurance agent to get home insurance coverage that protects you against unexpected situations.

If I Have No Insurance and Get in a Car Accident, Who's Responsible?

Driving without insurance is illegal in Illinois and could result in fines and even jail time. Before you hit the road without insurance, work with an independent insurance agent to learn about the minimum required coverage in the state and how to obtain affordable coverage. Don't get caught without the proper car coverage.

If a Neighbor's Lawnmower Kicks up a Rock and Shatters Your Windshield, Who's Responsible?

If your neighbor breaks your car windshield while mowing their lawn, are you responsible? Do you have the right car insurance in place to pay for an incident like this? Work with an Illinois independent insurance agent to get comprehensive car insurance and other coverages you need to be fully protected on and off the road.

If the Gutters Weren't Installed Right and Your Basement Floods, Who's Responsible?

Improperly installed or poorly maintained gutters can result in flood and water damage. Know when gutter damage is your responsibility and when the fault may fall on someone else. Work with an Illinois independent insurance agent to understand the flood and water damage coverage in your Illinois home insurance.