Individualized Renters Insurance Policies in Illinois

Only 40 percent of renters currently carry renters insurance. The reason behind this low number is somewhat unclear, but it can likely be attributed to two things: renters believe coverage is too expensive and they do not know what renters insurance actually covers.

At Hicks Insurance Group, we take time to educate our renters insurance customers on what coverage they need and why they need it. We explain what each policy covers—and what it doesn’t—along with explaining the pros and cons between seeking insurance based on rates versus seeking insurance based on coverage.

In short, we arm our customers with the knowledge they need to make smart insurance decisions. And we stick by our customers throughout the life of their policies, providing thorough annual reviews and optimizing coverage for greatest protection at affordable rates.

The Typical Renters Insurance Policy

Whether you rent an apartment, condo, house or basement, a renters insurance policy will generally provide coverage for:

  • Your personal property, whether that property is in your home, your car, a storage unit or anywhere else in the world
  • Property damage you cause to someone else’s property
  • Your personal liability in the event that someone sues you after suffering an injury in your home or due to your actions
  • Medical payments for others who are hurt while at your home
  • Loss-of-use expenses in the event that a covered event eliminates your ability to live in your home

It is possible to expand on this coverage through optional coverages such as umbrella insurance, valuable property coverage and flood insurance. Talk to our experienced independent insurance agents to learn more.

Request a Free Renters Insurance Quote and Policy Review. Call Us Today.

Learn about your options for renters insurance coverage by having our team of independent insurance agents provide you with a free insurance review. We can discuss your coverage needs and analyze any existing coverage you may have. From there, we can seek free quotes from multiple top-rated insurance companies to get you the best coverage at the best price. Pick up the phone and call us today at 708-532-7474to get started. You may also request a free consultation and a free quote by contacting us online.