Sump Pump Failure and Water Backup Coverage
Illinois experiences all four seasons, meaning lots of rainfall in the spring and summer and plenty of snowfall in the winter. And all that water can cause some unexpected damage.
While your homeowners policy typically covers certain types of water damage, you’re only covered if the damage is sudden or unexpected — and it’s only up to a certain limit. Adding sump pump failure and water backup coverage should be a no-brainer, since you’ll not only have coverage for more types of damage but higher coverage limits as well.
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Illinois Home Insurance for Matching Vinyl or Metal Siding Coverage
Whether denting the metal siding or blowing the siding right off your home, wind and hail damage is common in Illinois and can cause severe damage to your home. While your homeowners insurance replaces siding damage from specific types of losses, it only covers the parts of your home that are damaged — which can be a bigger deal than you’d think. Particularly if your original siding was discontinued by the siding manufacturer.
Here’s how matching vinyl or metal siding coverage works: Your homeowners policy will begin by covering the cost of replacing the damaged sections. And then if you have undamaged siding coverage, it’ll reimburse you for up to $20,000 of the costs for replacing the remaining undamaged siding so everything matches.
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Illinois Home Insurance for Earthquakes
Even though the seismic hazard is low, people with homes in Illinois should consider adding earthquake coverage, since damage from earthquakes isn’t covered by your homeowners policy.
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Properly Protect Your Personal Property
Scheduled personal property coverage, or itemized personal property, is an optional coverage you can add to your homeowners policy that not only provides higher levels of coverage for your higher valued items, but also provides protection against a great number of risks than listed on your policy.
While your homeowners insurance policy provides coverage for your personal property, it’s important to understand there are limits to certain types of belongings. For example, jewelry has a limit of $2,000 for all your jewelry. If the total value of your jewelry is above that amount you may want to itemize your individual jewelry items. Other common personal items that people itemize include collectibles, cameras, art, bicycles, golf equipment and musical instruments.
Ensure that your personal property is properly covered by creating a room by room inventory. Then connect with your agent to discuss what categories you might want to itemize.
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Find Your Local Agent Today
Our agents understand there’s more to insurance than just a policy. They’ll be by your side through it all as trusted, caring advisors — helping you gain confidence in your coverage.
Ready to find an agent near you? We have expert agents throughout Illinois who are ready to guide you to find the best coverage for your home.
Find your agent today.