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Best Homeowners Insurance Agencies in Chicago

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Abe GT & Associates, Inc. logo
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License Verified:

License: 2184868

Illinois Department of Insurance

Abe GT & Associates, Inc.

1024 W Fry St #102, Chicago, IL 60642
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  • Renter's Insurance
  • Condos
  • Homeowners

Business Description

Abe GT & Associates, Inc., is an insurance agency serving clients in the Chicago area. The company's professionals carry over 23 years of collective industry experience, providing comprehensive homeowners', condo, and business insurance coverage. Its homeowners' policy covers the needs of the client's home, garage, and additional structures. It has partnered with several carriers, including Travelers and Nationwide. This partnership allows the agency to shop policies on behalf of the clients to find package options that best fit their needs.

License Verified:

License: 2184868

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Yelp
4.5 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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C.C. & Associates, Inc. logo
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License Verified:

License: 100296179

Illinois Department of Insurance

C.C. & Associates, Inc.

5901 N. Cicero Avenue Suite 301, Chicago, IL 60646
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  • Multiple Carriers

Business Description

An independent agency in Chicago, C.C. & Associates, Inc., compares products like homeowners' insurance from various carriers to present clients with coverages that meet their requirements. The agents of this 1986-established firm help consumers in their decision-making by informing them of the features of every plan that covers their families and properties during unexpected times. They also offer tips such as bundling their policies for convenience. Other products the team provides include indemnities for cars, RVs, boats, and businesses.

License Verified:

License: 100296179

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Cresco Insurance logo
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License Verified:

License: 17230155

Illinois Department of Insurance

Cresco Insurance

1700 W. Cermak Road, Chicago, IL 60608
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  • Multiple Carriers

Business Description

Cresco Insurance is an independent agency that serves commercial and residential clients in Chicago. It offers homeowners insurance to cover liability, losses, and damage to belongings and properties in case of fire, burglary, and other covered events. Its agents, who speak Spanish and English, assist customers in finding plans that are suitable to their needs and budgets. The family-operated business also carries car, business, and motorcycle insurance policies. In addition, its team provides health, disability, and life insurance.

License Verified:

License: 17230155

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Diaz Insurance Agency logo
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Diaz Insurance Agency

7151 W. Grand Avenue, Chicago, IL 60707
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  • Personal Property Insurance

Business Description

Diaz Insurance Agency is a local and independent firm serving clients in Chicago, crafting customized home insurance policies tailored to the requirements of each customer. It offers different types of coverage, such as fire, personal property, personal liability, flood, property damage, and secondary home. Its agents help clients determine their risks and exposures to get sufficient coverage. The agency also offers personal auto, life, and renters insurance. It has over a decade of experience providing personalized solutions to its clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Gaylord Nelson logo
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License Verified:

License: 2181086

Illinois Department of Insurance

Gaylord Nelson

8516 S Pulaski Rd, Chicago, IL 60652
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  • Renter's Insurance
  • Homeowners
  • Condos
  • Multiple Policy Types

Business Description

Gaylord Nelson is a State Farm agent who serves individuals and families in Chicago. He has been in the industry since 1994, providing a wide range of products, including auto, health, and life insurance, in addition to banking and annuities. Nelson also aims to help individuals protect their properties against damages and liabilities by providing homeowners' insurance coverage. Serving an extensive network of clients, Nelson and his team can communicate in Spanish.

License Verified:

License: 2181086

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Joan Polec Insurance Agency logo
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Joan Polec Insurance Agency

224 S Milwaukee Ave Ste D, Wheeling, IL 60090
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  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Juan Polec Insurance Agency serves the Chicago, Illinois, metro area, representing clients as they pursue home insurance from a variety of providers. It handles homeowners insurance and coverage areas for property damage, personal property, and liability, as well as mobile home and condominium insurance. The agency also works with tenants seeking renters insurance for personal property and landlords desiring a policy to minimize liability. In-home business insurance is a niche area this agency regularly practices in.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kozlowski & Associates logo
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Kozlowski & Associates

8348 Kennedy Ave, Highland, IN 46322
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  • Renter's Insurance
  • Condos
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Business Description

Kozlowski & Associates has been serving the residents of Chicago, Illinois, since 1946. This independent home insurance agency represents major providers, such as Liberty Mutual, Symetra Financial, and Auto-Owners Insurance, to offer its clients a variety of options. It sells coverage to homeowners and landlords, and it covers loss of use, personal property theft or damage, liability, and damage to the home due to a natural disaster. Kozlowski & Associates also sells boat and business insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (34)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
LaVan Insurance Agency - Brighton Park logo
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LaVan Insurance Agency - Brighton Park

3956 South California Avenue, Chicago, IL 60632
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  • Homeowners

Business Description

Located in Brighton Park, LaVan Insurance Agency has been catering to the insurance needs of residents and businesses in Chicago since 1969. It offers homeowners' insurance packages inclusive of coverage for the dwelling and other structures, medical payments, personal property, and personal liability. It also has options for bundled home and auto insurance policies. LaVan Insurance Agency is a family-owned and operated independent insurance firm that strives to serve the community by providing incomparable insurance products and services backed by genuine expertise and excellent customer service.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (98)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mark Mackey logo
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License Verified:

License: 100301529

Illinois Department Of Insurance

Mark Mackey

3338 West Foster Avenue, Chicago, IL 60625
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  • Renter's Insurance
  • Homeowners

Business Description

Mark Mackey is a State Farm insurance agent based in Chicago. Having been in the industry since 1990, he is able to provide insurance solutions for homes, automobiles, businesses, properties, and pets. He helps homeowners understand the potential risks and guides them in obtaining adequate coverage for losses from natural disasters, random acts such as vandalism and theft, and liabilities. Moreover, he offers assistance in planning for college and retirement. Mark and his team also assist their clients in the claims application process.

License Verified:

License: 100301529

Illinois Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (64)
Facebook
4.3 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Martin Insurance Team logo
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License Verified:

License: 15919177

Illinois Department of Insurance

Martin Insurance Team

9825 S Pulaski Rd., Evergreen Park, IL 60805
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  • Multiple Carriers

Business Description

The Martin Insurance Team offers various policies to clients in the Chicago metro and surrounding areas. Homeowners can get the company's help with coverage for their residences against theft, vandalism, and damage caused by fires or natural disasters. Its home insurance provides compensation for injuries that occur inside the home. Its commercial insurance covers vehicle fleets and claims for workers' compensation and professional liability suits. The firm has been in the industry for more than 20 years.

License Verified:

License: 15919177

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (24)
Facebook
4.4 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Melendez Insurance logo
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License Verified:

License: 100487015

Illinois Department of Insurance

Melendez Insurance

1655 S Blue Island Ave, Suite 319, Chicago, IL 60608
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  • Multiple Policy Types
  • Homeowners

Business Description

Melendez Insurance offers homeowners' insurance to Chicago residents to keep them financially protected in case of unexpected incidents. The company offers a package policy that covers injuries or damages caused to family members or the structure. There are other specialty coverage options designed for apartment owners, condominium associations, vacant buildings, and commercial or mixed-use properties. The carriers of Melendez Insurance include The Hartford, CNA Insurance, Erie Insurance, and Foremost Insurance Group.

License Verified:

License: 100487015

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (13)
Facebook
5.0 / 5 (7)
Yelp
4.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
MG Insurance Brokers logo
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MG Insurance Brokers

7041 W Higgins Ave, Chicago, IL 60656
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  • Multiple Carriers

Business Description

MG Insurance Brokers is a company that serves the area of Chicago. For more than 20 years, it has been offering different insurance policies, such as home insurance for individuals with a mortgage. Health and umbrella insurance coverages are also covered. The company provides individuals with life insurance plans that can protect them and their families. It offers insurance policies that will cover cars, boats, motorcycles, and recreational vehicles. MG Insurance works with different providers to give companies business insurance products.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Prodigy Insurance Agency logo
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License Verified:

License: 100355235

Illinois Department of Insurance

Prodigy Insurance Agency

4855 W Irving Park Road, Chicago, IL 60641
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  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Business Description

Serving the Chicago community, Prodigy Insurance Agency has been protecting clients from unexpected happenings since 2011. An independent agency offers personal insurance plans, such as auto, boats, homeowners, renters, and landlords. The agency aims to build long-term relationships with its clients by prioritizing their needs, taking the time to answer their questions, and finding smart solutions. Prodigy Insurance Agency also offers commercial and life insurance plans and has more than 20 insurance carriers, including Mercury Insurance, MetLife, and Travelers.

License Verified:

License: 100355235

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (24)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Sharon Robles Agency LLC logo
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License Verified:

License: 100648148

Illinois Department Of Insurance

Sharon Robles Agency LLC

1655 South Blue Island Avenue, Chicago, IL 60608
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  • Homeowners

Business Description

Located in Chicago, Sharon Robles Agency is owned and run by independent insurance broker Sharon Robles, who has vast experience in the insurance industry for more than 20 years. Since its founding, it has focused on providing auto, homeowners or renters, life, motorcycle or ATV, and business insurance. With her longevity in the business, Robles has built confidence to remain committed in delivering the best customer service and answering every question, considering the insurance field as her cup of tea.

License Verified:

License: 100648148

Illinois Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (9)
Google
4.8 / 5 (6)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Take 2 Insurance logo
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License Verified:

License: 3000147204

Illinois Department of Insurance

Take 2 Insurance

6970 N. Clark St,, Chicago, IL 60626
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  • Renter's Insurance
  • Flood
  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Business Description

Take 2 Insurance is an independent agency serving the insurance needs of clients based in Chicago and nearby locations. Its insurance agents offer home insurance plans that protect clients' property and belongings from unexpected loss. The agency also has auto insurance policies for different kinds of vehicles, such as motorcycles, trucks, recreational vehicles, and boats. Life and business insurance products are likewise available. It also represents insurance carriers like ERIE Insurance, Progressive, Travelers, Mercury, and Safeco.

License Verified:

License: 3000147204

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (28)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The CNW Group logo
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The CNW Group

5117B Main St Ste 10, Downers Grove, IL 60515
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  • Renter's Insurance
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

The CNW Group is an independent insurance and financial services firm in Downers Grove, Illinois, that sells home insurance in the Chicago metropolitan area. Founded in 2015, the company provides coverage required by mortgage lenders to protect the dwelling against damage or destruction as well as offering insurance against liability, with options for condo owners, for renters, and to protect against flooding. The CNW Group provides other personal and commercial coverage and financial products.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (23)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Thomas Iaquinta Insurance Agency logo
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License Verified:

License: 2339309

Illinois Department of Insurance

Thomas Iaquinta Insurance Agency

7012 W. Archer Ave., Chicago, IL 60638
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  • Multiple Policy Types

Business Description

Thomas Iaquinta Insurance Agency provides coverage options and solutions tailored to the unique needs of clients in Chicago and the south Chicago suburbs. Representing many carriers, this independent agency provides renters' and homeowners' insurance policies with different types of coverage. Homeowners also have the option to combine multiple types of insurance into a single policy. The coverage includes dwelling, liability protection, and personal property. The agency also offers auto and power sports and recreational insurance.

License Verified:

License: 2339309

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Thomas Ward Insurance logo
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License Verified:

License: 100300209

Illinois Department of Insurance

Thomas Ward Insurance

707 West Willow St, Chicago, IL 60614
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  • Multiple Carriers
  • Homeowners

Business Description

Thomas Ward Insurance is an independent agency that has been serving clients in Chicago since 1999. It offers homeowners' insurance and educates clients on further coverage options, including cyber fraud, underground service line, and equipment breakdown coverage. The company also carries life insurance products, and clients can choose between permanent and term life options. For business insurance solutions, it offers property insurance and general liability insurance. The company's agents can additionally create tailor-fit solutions for restaurants and construction companies.

License Verified:

License: 100300209

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (49)
Yelp
4.0 / 5 (30)
Facebook
5.0 / 5 (22)
W.A. George Insurance Agency logo
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License Verified:

License: 8316141

Illinois Department of Insurance

W.A. George Insurance Agency

155 N Michigan Ave Suite 300, Chicago, IL 60601
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  • Renter's Insurance

Business Description

W.A. George Insurance Agency serves clients in and around the Chicago metro. It provides homeowners' insurance which covers liability protection, personal belongings, and additional living expenses. Other insurance policies it offers also cover motorcycles, apartments, townhomes, and condominiums. It also provides coverages that include basic Medicare and umbrella liability. Its team works with carriers such as The Hartford, American Modern, and Scottsdale Insurance. Mercedes George, the agency president, has over 10 years of industry experience.

License Verified:

License: 8316141

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Zach Betley logo
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License Verified:

License: 17513372

Illinois Department of Insurance

Zach Betley

10028 S Western Avenue, Chicago, IL 60643
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  • Renter's Insurance
  • Homeowners

Business Description

Zach Betley is a State Farm insurance agent catering to residents in Chicago. Betley provides homeowners' insurance solutions for clients. He educates them on further protection through flood insurance coverage and liability insurance coverage options. Betley also offers auto, pet, life, and business insurance. He also provides health insurance options, including Medicare supplement insurance and disability insurance. Betley has been in the insurance industry since 2015 and is a member of the non-profit organization Beverly Area Planning Association. He can provide his services in Spanish.

License Verified:

License: 17513372

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (179)
Facebook
5.0 / 5 (5)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Read all FAQs