Homeowners Insurance in Streamwood, IL
Home insurance can cover your property and personal belongings after losses caused by unexpected incidents like fires, liability claims, burglary and certain weather events. Ramos Insurance is here to help Illinois homeowners find suitable coverage to meet your needs and budget.
What Does It Cover?
A standard policy typically includes the following coverages:
- Dwelling coverage may help pay for the repair or reconstruction of your home and attached structures such as porches and chimneys.
- Other structures coverage may cover damages to detached structures such as fences, gazebos, garages or pools.
- Personal property coverage may cover the replacement of your appliances, clothing, electronics or furniture, depending on coverage limits.
- Liability coverage may cover the medical expenses of a third party who got injured on your property, or the necessary costs if you’re responsible for damaging someone else’s property.
- Additional living expenses coverage may cover the cost of food, shelter and other necessities if a covered risk renders your home uninhabitable.
How Much Does It Cost?
The cost of home insurance in Illinois depends on your insurer, who may calculate your rate based on the following factors:
- Your location
- The type and value of your home
- Policy specifics (e.g., deductible and coverage limits)
- Materials used in your home’s construction
- Vulnerability to risks (e.g., burglaries, fires, weather events)
You can save on your premiums by having a higher deductible amount, installing home security systems, and bundling your home and auto policies together.
Where to Get a Policy
Contact Ramos Insurance today to learn about your home insurance options or request a quote.