Your homeowners policy does much more than merely insure the structure of your home — it protects your everyday items, your family's liability, and could even come 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 coverages that come standard with your policy.
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.
Personal property protection
With your state's impressive (and terrifying) average of 54 tornadoes annually, it makes sense that you'd want coverage for your belongings in addition to the structure of your home. With an Esurance homeowners policy, your furniture, electronics, clothes, appliances, and other odds and ends are more secure against theft, damage, and many of Mother Nature's more violent mood swings.
Other home coverages that come standard in Illinois include:
- Guest medical protection
- Other structures protection
- Additional living expense coverage
- Family liability protection