Home Insurance

You work hard to keep your home protected from intruders, weather events, and much more. But are you doing everything you can to ensure your investment—and your family—is covered for the unexpected? Learn more about homeowner’s insurance from Mid-America Insurance Agency.

Illinois Homeowner’s Insurance Coverage Basics

One of the easiest ways to ensure your family is protected against the unexpected is by having a top-notch homeowner’s insurance policy. However, do you know all of the things you get when you purchase coverage? Here are three of the most basic parts that you need to know:

  • Property Coverage: This portion of your policy includes more than just the repairs to your home. It will also reimburse you for repairing or replacing your personal belongings if you endure a covered loss like a theft or fire—everything from your television to your toothbrush included.
  • Liability Coverage: Accidents can happen at any time, and that’s why your homeowner’s policy includes a section for liability coverage. This type of coverage pays out if someone is injured while visiting, or you accidentally damage another person’s property.
  • Loss of Use Coverage: This is the portion of your home policy that pays to help you find an alternative place to live temporarily if your home is damaged beyond the point of safely living there. Examples include an apartment while your home is rebuilt after a catastrophic fire or a hotel room while you’re displaced for only a few days.

Your Trusted Partner for Personal Lines Insurance

At Mid-American Insurance Agency, we know you can go anywhere in Illinois to purchase coverage. We are proud to be the one you choose and will do whatever we can to provide you with top-notch service. We are also an independent insurance agency and work with multiple different insurers to give you the best value for your dollar.

Are you interested in learning more about our various homeowner’s insurance options? Please give us a call to schedule an appointment with our Mid-America Insurance Agency team.