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Chicago Home Insurance

Homeowners insurance in Chicago offers some unique challenges. Homes are older, many times over 100 years old. Making sure your home is properly insured is crucial.  Remember to ask for a building replacement cost estimate. This will help determine how much to insure you home. 

Do not insure to market value or sale price.  This is misleading many times.  Some home market values are less than what it would cost to rebuild.  Other homes market values are greater than there reconstruction cost because they take into account the value of land.

Other things to keep in mind:

• Contents Replacement Cost - Make sure your personal property is covered for replacement.  If this option is not selected your belongings value is depreciated.
• High Value Items - Let your agent know about jewelry, computers, art and other big ticket items.  Special limits exist for these and need to be listed separately in a policy.
• Sewer and Drain Backup - If you are concerned with sewer or drain backup which is common in Chicago, make sure you add this option to your policy.
• Discounts - Make sure you are taking advantage of all discounts available.  Auto/home, home/life, alarm system, new home, renovation, and many more.

Reviewing you insurance needs with a professional agent is important and should be done yearly or at least every few years. Our agency is ready to assist you.  Schedule your no obligation review today by calling (773)777-8880.

Chicago Renters Insurance

Chicago Condo Insurance