Custom-Made Homeowners Insurance Policies in Illinois
At Hicks Insurance Group, we create custom-built homeowners insurance policies for Illinois families. We do this through free, thorough reviews of each of our customer’s homes, needs, concerns and much more. From this review, we are able to shop amongst top-rated national and regional insurance carriers to find optimal policies that fit within each family’s budget.
What You Get With a Tailored Home Insurance Policy
We are a needs-first, costs-second agency. What does this mean? In short, we are here to first match you with a home insurance policy that includes the coverage you need at the limits that best match your family. Only after we know what type of coverage we are looking for will we then look at policy costs. In this way, you get insurance that is truly tailored to your family’s needs, which may include:
- Dwelling coverage (i.e. your house)
- Medical payments (e.g., in the event a guest suffers injuries while on your property)
- Other structures coverage (e.g., detached garages, sheds)
- Personal property coverage (e.g., furniture, clothing, appliances)
- Umbrella coverage
- Water backup coverage
By working with our team of independent insurance agents, you also get access to experienced insurance professionals who can provide you with the utmost in personal service, claims support, and ongoing assessments of your coverage to keep it current and cost-effective. It is our unique approach and outstanding services that consistently lead us to be in the top 10 agencies in Illinois.
Common Gaps in Homeowners Insurance Policies
When we sit down with prospective homeowners insurance customers, we perform a thorough review of their existing coverage. What we find is that many have gaps in coverage that are discovered in this review. Those gaps include:
- Jewelry coverage:
Many homeowners do not have enough jewelry coverage in place, if they have any at all, to protect their valuable items, including wedding and engagement rings.
- Flood coverage:
Unknown to many homeowners, flood insurance is not included in a general homeowners policy.
- All-risk contents coverage:
The most comprehensive coverage you can obtain for the property in your home, as it protects you no matter how your property sustains damage, for instance, when your flat-screen TV falls from its mounting and crashes into the entertainment center beneath it.
You’ve Worked Hard for Your Home. Let Us Protect It.
For us, finding the right insurance does not mean finding the cheapest homeowners insurance. It means pairing each customer with the right company that has the right coverage options at the right prices. Let us do this for you.