Mount Prospect Homeowners Insurance
Quality Protection For Your Needs In The Northwest Suburbs and Northshore
Home, Townhome, Condo, Renter, Property, Landlord, and More
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Excellent Coverage. Multiple Carriers. Dedicated Agent.
Homeowners Insurance – Protecting Mount Prospect
Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Held Insurance Agency can help you find the homeowners' insurance policy that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.
We are committed to serving you
Held Insurance Agency knows that in Illinois, there are as many unique insurance needs since we live here! To talk with one of our helpful team members about your home insurance needs, contact us today.
Looking for more detailed insurance planning? Learn more about our Personal Risk Management (PRM) Program
Insurance for All Kinds of Homes
Illinois – What You Need to Know About Homeowners Insurance
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. Homeowners insurance will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism, and theft of personal property, or whether it’s a policy that covers only specified losses.
Whether you’re a home or condo owner, a renter, or a landlord, Held Insurance Agency will work with you to find a homeowners insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
Your home insurance policy is most often made up of the specific options you choose, so how much you'll pay for your policy depends on:
- What You Select - Oftentimes homeowners insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy.
- How Much You Want to Cover - Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
- Where You Set Your Limits - You may choose to set higher limits if appropriate to your situation and needs.
The Right Coverage. The Right Price. The Right Value - The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation and the assets you want to protect.
Protection for Your Home - Property or dwelling coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event such as a kitchen fire or windstorm.
Protection for You and Other People - Personal liability coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
· When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your liability coverage. Learn more.
Medical Coverage - This covers medical expenses for guests if they are injured on your property, and in certain cases, covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses - If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses — commonly for up to 24 months — while damage is assessed and your home is repaired or rebuilt.
Protection for Your Belongings - Your home is filled with furniture, clothes, electronics, and other items that mean a lot to you. Personal property insurance helps replace these items if they are lost, stolen, or destroyed as a result of a covered loss.
Scheduled Personal Property Coverage - If you have special possessions such as jewelry, art, antiques, or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
If You Rent Out Your Home - Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our landlord insurance page for more information.
Every home is unique – Talk to us today to find out how to get the best price and value on homeowners insurance for you.