Choosing The Right Home Insurance

Developing the best game plan to protect your most important assets.

Brick house and driveway

Do you have a good or great defense? Your home is the center of your daily life and, likely, your most valuable asset. If your home is damaged or destroyed, you need your claim to be settled by an insurance company that understands that simple fact. 

Coaching Insurance can help you find the homeowner’s insurance that will best meet your needs and provide the best combination of tailored coverage, quality service, and fair pricing. 

Insurance For All Types of Homes

Depending on where you live — a house, apartment, or condominium — the right home insurance policy can give you peace of mind, as well as the money you need to repair or replace your home and/or belongings. Contact us for more information about the right coverage for you. 

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. It will also cover you in the event someone is injured while on your property and is awarded a legal judgment against you.

Homeowners policies differ according to which losses are covered, which type of coverage 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 the policy covers only specific losses.

Coaching Insurance Is Here to Help You Find the Right Home Insurance For Your Needs

Whether you’re a home or condo owner, a renter or landlord, Coaching Insurance will work with you to find a home 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. Homeowners insurance options are often priced individually, so the cost of your policy depends in part on that value of personal items like jewelry or the amount of liability coverage. A change in the deductible will change the rate but will it make sense. 
  • 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 have a $1,000 deductible, you’re responsible for paying the first $1,000 of any covered loss.
  • Where you set your limits. You may choose to set higher limits for  liability coverage than the recommended amount if appropriate to your situation and needs. If you have a trampoline or pool, then you may want higher liability protection. 
  • Worried you aren’t completely covered? Consider an umbrella policy, which extends your coverage over and above your underlying limits. 


The Right Coverage. The Right Price. The Right Value.

The amount you pay for your homeowners insurance depends on several factors, and it can be confusing (not to mention nerve wracking) to choose the right plan. Start by considering 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 like a kitchen fire or wind storm.

Protection For You and Other People

Personal Liability Coverage applies if someone is injured on your property or if their property is damaged and you’re to blame. What if your tree falls on your neighbors house or someone slips walking on your slick driveway resulting in an injured back or broken bones. What if you damage a painting or expensive vase? 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’re sued.

Medical Coverage

This covers medical expenses for guests if they’re injured on 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, to stay in a hotel or apartment — commonly for up to 24 hours — while the 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 you replace these items if they’re 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.

Protect the Things that Matter to You

Do an inventory of your home and personal belongings. If possible, make a list as well as taking photos or video. Using two inventory methods can help expedite the claim resolution process. Be sure to keep this list somewhere other than your home. And keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

Every home is unique — talk to us today to find out how to get the best price and value on your homeowners insurance.