Home Insurance

At Smitherman & Associates, we provide comprehensive home insurance options for Illinois residents, offering protection for your property, belongings, and more. Our team is here to help you understand your coverage and choose the policy that fits your needs.

Why Home Insurance Is Important

Home insurance provides financial protection in the event of damage to your property or loss of personal belongings due to incidents like fire, theft, or severe weather. It also includes liability coverage, which can help if someone is injured on your property. Having home insurance ensures you’re prepared for the unexpected and can recover quickly after an incident. At Smitherman & Associates, we’re committed to helping Illinois homeowners find the coverage they need to feel secure.

Types of Home Insurance Coverage

• Dwelling Coverage: Protects the structure of your home, including walls, roof, and foundation, against covered damages.
• Personal Property Coverage: Covers your belongings, such as furniture, electronics, and clothing, in case of theft or damage.
• Liability Coverage: Provides protection if someone is injured on your property or if you accidentally cause damage to someone else’s property.
• Additional Living Expenses Coverage: Helps cover temporary housing costs if your home becomes uninhabitable due to a covered event.
• Other Structures Coverage: Extends protection to structures on your property, such as garages, sheds, or fences.

Answers to Common Home Insurance Questions

What does home insurance typically cover? Home insurance policies generally cover your dwelling, personal belongings, liability, and additional living expenses. Specific coverage details may vary, and our team can help you understand what’s included in your policy.

Do I need home insurance if I rent? If you’re renting, you may need renters insurance instead of home insurance. Renters insurance covers your personal belongings and liability, but does not include coverage for the building itself.

How can I get started? You can request a home insurance quote online through our Compare Quotes page or contact us directly for assistance. Visit our Contact Us page to reach out via phone or email.