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Home Insurance in Illinois
Why Have Home Insurance in Illinois?
Home insurance in Illinois may be required by your mortgage lender, even if it is not a state requirement. Even after you pay off your mortgage, you may still want to consider home insurance because it protects your home and personal belongings from loss. It will also protect your liability, so if someone gets injured on your property, you are covered. It doesn’t just cover you for typical accidents in Columbia, IL, like a mailman slipping on an icy runway. It will also protect you if a neighbor goes to take a dip in your pool and slips. Your coverage can provide temporary housing if you can’t live in your home after a disaster. With all this, you get peace of mind and take steps to protect one of your most significant investments.
What Does Home Insurance Cover and Not Cover?
Home insurance will cover many different things, but it's always good to check with your agent at Taake Insurance Agency. Home insurance will cover your dwelling, which also includes other structures that are attached to the home, such as a deck or garage. It will also cover other structures on the property, such as a tool shed or detached garage. It will protect your personal property, but you may need an additional rider if you have some expensive items like artwork or jewelry. It will also cover your liability for guest medical bills and any legal fees you have if you are sued.
It will not cover mold, sewer backup, sinkholes, floods, construction work damage, termite infestation, earthquakes, and destroyed or stolen cash. Depending on your policy, you may not be covered for trampoline accidents, pool accidents, or dog attacks. Certain dog breeds, along with pools and trampolines, provide too much of a risk for some policies and you will likely need some extra liability coverage to remain covered for these events.
Contact Taake Insurance Agency, serving Columbia, IL, to get a quote on life insurance.
