Home & property insurance · IL & WI
Homeowners, condo, renters and rental property. We compare policies from several insurance companies and show you what each one pays for, how the deductibles work and what is left out.
Free quote, no obligation. In English, Ukrainian, Polish or Russian.
What a homeowners policy covers
A standard homeowners policy has several parts, each with its own limit. Here is what each part is for.
Pays to repair or rebuild the house itself, including attached structures like a garage, after a covered loss such as fire, wind, hail or a burst pipe.
The limit should match the cost to rebuild, which can be very different from the purchase price.
Covers structures not attached to the house, such as a detached garage, shed or fence.
Usually a percentage of the dwelling limit and can often be increased.
Covers your belongings, such as furniture, clothes and electronics, at home and often when you travel.
Jewelry, watches and similar valuables often have low limits unless you list them separately.
Helps pay extra costs like a hotel or rent and meals if a covered loss makes your home unlivable during repairs.
Pays the extra cost above your normal expenses, up to the limit or time allowed.
Protects you if someone is injured or their property is damaged and you are legally responsible, at home or elsewhere, including legal defense.
Common limits are $300,000 or $500,000; an umbrella policy can add more.
Pays small medical bills for a guest injured at your home, regardless of fault, without a lawsuit.
Limits are small and it does not cover you or people who live with you.
Covers damage when water backs up through a sewer or drain or the sump pump fails, a common basement claim in the Midwest.
Usually not included in a standard policy. Ask for it and check the limit.
Tell us about your home. We help estimate a rebuild amount and show you the price with different deductibles and add-ons.
Compare Home Insurance QuotesCovered causes of loss, limits and exclusions depend on the insurance company and the policy form. The policy itself is what defines the coverage.
Understanding your coverage
Replacement cost pays what it costs to repair or replace with new materials of similar kind and quality. Actual cash value subtracts depreciation for age and wear, so the payment is lower.
| Payment basis | Before deductible | Difference |
|---|---|---|
| Replacement cost | $15,000 | Full cost of the new roof |
| Actual cash value | $9,000 | $6,000 less for age and wear |
Some policies pay the roof at actual cash value even when the rest of the house is at replacement cost. We check this in every quote.
The deductible is the part of a claim you pay before the insurance company pays the rest. Many policies have one deductible for all perils and some have a separate wind and hail deductible.
A higher deductible lowers the premium, but choose an amount you could pay right away.
Exclusions and limits differ between companies and policy forms. We point them out before you choose.
Homeowners and renters policies do not cover flood. Flood insurance is available through the National Flood Insurance Program or private insurers, with its own limits and deductibles.
A flood policy usually has a waiting period before it starts, so it cannot be bought at the last minute when water is already rising.
Choosing the right policy
The right policy depends on what you own and who lives there.
| Policy | For | The building | Your belongings | Liability |
|---|---|---|---|---|
| Homeowners (HO-3) | Owners living in a house | Yes | Yes | Yes |
| Condo (HO-6) | Owners of a condo unit | Your unit’s interior and improvements; the association policy covers the rest, per its bylaws | Yes | Yes |
| Renters (HO-4) | Tenants | No, that is the landlord’s policy | Yes | Yes |
| Landlord / dwelling (DP-3) | Owners who rent a home to others | Yes | Only the owner’s property, not the tenant’s | Usually added; lost rent can be added too |
If you rent out a home you own, a regular homeowners policy may not respond. Tell us how the property is used so the policy matches.
What affects the price
Each insurance company weighs these factors differently, which is why the same home can be priced so differently.
Where the law allows it, some companies also use a credit-based insurance score. Discounts and rating rules vary by company.
How to compare home insurance
Two home quotes can differ by hundreds of dollars because one has a lower dwelling limit, a higher wind and hail deductible or pays the roof at actual cash value. As an independent agency we request quotes from several companies and line up these details side by side.
We cannot promise the lowest price or that every company will offer a policy for every home. We can make sure you know what each quote actually covers.
How to get a quote
Call, text or send the short form. Tell us whether you own, rent or rent it out, and when your current policy renews.
We check several companies and line up limits, deductibles and add-ons so they are easy to compare.
In your language. You choose the policy, or keep your current one if it is the better fit.
Please do not enter Social Security, bank or payment details in the online form. If a company needs them, we ask later through a secure channel.
Compare Home Insurance QuotesHome insurance questions
No. The dwelling limit should reflect what it would cost to rebuild the house, which can be higher or lower than its market price. Land is not included because it does not need to be rebuilt.
Sudden and accidental water damage, such as a pipe that bursts, is often covered. Slow leaks, poor maintenance and flood are usually not, and sewer or drain backup needs the water backup add-on.
No. Flood needs a separate policy, through the National Flood Insurance Program or a private insurer. It usually has a waiting period before coverage starts.
Usually not. The landlord’s policy covers the building. A renters policy covers your belongings, your liability and extra living costs if the home becomes unlivable after a covered loss.
Often not. A home rented to others usually needs a landlord or dwelling policy. Tell us how the property is used so the right policy is quoted.
Many companies offer a discount when home and auto are with the same company, but it is not always the cheapest option overall. We compare both ways.
Send the short form or call us. We compare quotes from several companies and explain the differences.
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