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Homeowners insurance provides basic financial protection from damage to your property and liability for injuries and property damage you or members of your family cause to other people. Homeowner policies may also cover property damage you or members of your family cause to others. A homeowners policy combines coverages for fire, windstorm, theft and liability into one convenient policy. Damage from most perils is covered under your homeowners policy, but there are exceptions. The most significant exclusions are damage caused by water, earthquakes and neglect. You can purchase two separate endorsements to cover damage caused by flood or earthquake.

In addition to covering physical damage to your dwelling and its contents, your homeowners policy provides some protection from liability. This includes damages arising from the home itself or the front yard when for example a visitor slips on the sidewalk and falls. Most homeowner policies provide some basic coverage for bodily injury and medical expenses. This coverage can be increased with additional premiums.

Many homeowners are not adequately prepare for a home related loss. Be sure you have a complete inventory of your home. Include photographs and/or video of your personal belongings in each room. Write down each item and record relevant information such as date of purchase, serial number, estimated value etc. You should also list or photograph any unique features of your home such as expensive cabinetry or antique furniture. Be sure to store a copy of the inventory, photographs and video tapes at an offsite location such as a bank vault or a family members home so they can be recovered.

Our customers shop from Chicago, Aurora, Rockford, Joliet, Naperville and other great cities in the prairie state to find cheap homeowner insurance from top rated insurance companies.