Your homeowners policy does much more than merely insure the structure of your home — it protects your everyday items, your family's liability, and even comes to your aid in the event of accidental damage to a neighbor's property.
If your dream home takes a temporary dive, your Illinois homeowners insurance has a great assortment of coverage options that come standard with your policy, including but not limited to:
Personal property protection
With Esurance homeowners insurance, your furniture, electronics, clothes, appliances, and other odds and ends are more secure against theft and damage.
Family liability protection
This coverage is important to have in case you accidentally injure someone or damage a neighbor's property. It also helps cover guests' medical bills and your liability costs, like legal fees and settlements. Plus, there's no deductible required for this coverage to take effect.
Living in the Prairie State has its perks, but the weather isn't always one of them. If a covered risk like your (in)famous wind or even hail or fire causes major damage to your home, your homeowners insurance can help you repair or rebuild. It's smart to purchase at least enough dwelling protection coverage to cover the total cost of rebuilding your home. You can always up your level of coverage if you'd like.
Other structures coverage
Sometimes what you consider home goes beyond your main house, especially if you have other structures on your property. With an Esurance policy, you can get protection for structures unattached to your main house. So if a covered incident damages your gazebo, carport, or other unattached structure, you've got protection on your side.
Additional living expense coverage
If a fire in your kitchen gets out of hand and renders your home unlivable temporarily, this coverage kicks in to help you live elsewhere in the meantime. Your policy helps cover your hotel bill and other reasonable expenses for up to 12 months (up to your coverage limit), or until you're able to move back into your house.