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Best Homeowners Insurance Agencies in Cicero

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Adam Doe - State Farm Insurance Agent logo
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Adam Doe - State Farm Insurance Agent

177 S Oak Park Ave, Oak Park, IL 60302
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Adam Doe, State Farm Insurance Agent, is an office selling homeowners insurance policies that cover structures and belongings as well as living expenses in the event of displacement. This office has been active for over four years and assists clients as they shop for quotes and purchase plans to cover their property and liabilities. Adam Doe, State Farm Insurance Agent, also sells plans to cover health and life insurance needs and offers auto insurance too.

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.
4.6
Facebook
4.6 / 5 (9)
Yelp
4.0 / 5 (5)

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
Beth Black - State Farm Insurance Agent logo
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Beth Black - State Farm Insurance Agent

501 W N Ave Ste 101, Melrose Park, IL 60160
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Beth Black, State Farm Insurance Agent, is operated by a second-generation State Farm Agent and offers homeowners' insurance plans. This agency offers insurance plans for homes themselves as well as any property inside of them or on owned land. Policies are also available for renters or owners of condominiums. Clients receive complete guidance and support as they shop for policies and when they need to make adjustments or claims. Auto insurance policies are available too.

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.
4.0
Yelp
4.0 / 5 (6)

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
Bryan Solis - State Farm Insurance Agent logo
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Bryan Solis - State Farm Insurance Agent

3106 1/2 N Central Ave, Chicago, IL 60634
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Bryan Solis, State Farm Insurance Agent, is an agency operating in the Cicero metro area that offers homeowners insurance. This office has been in business since 2014 and regularly helps clients to find quotes based on their circumstances and purchase policies that appropriately cover their properties and the property inside them. It assists both homeowners and renters and offers policies for belongings only. Bryan Solis, State Farm Insurance Agent, also carries policies for auto insurance 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.
4.8
Google
4.8 / 5 (104)
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
CDC Insurance Group logo
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CDC Insurance Group

105 N Oak Park Ave, Oak Park, IL 60301
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood
  • Condos

Business Description

CDC Insurance Group serves clients throughout the Cicero metro area and assists clients with purchasing homeowners insurance plans through its affiliated carriers. It offers general home insurance plans that cover structures and belongings and provides options for flood insurance as well. This office is experienced with valuable items policies that cover jewelry, artwork, and similar possessions. Renters insurance and condo insurance plans are available too. CDC Insurance Group also sells insurance plans to cover automobiles, motorcycles, motor homes, and watercraft.

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 (4)

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
Einsurance logo
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Einsurance

200 East Randolph Street, Chicago, IL 60601
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  • Home Insurance
  • Renter's Insurance
  • Landlord Insurance
  • Home + Auto Bundle Insurance

Business Description

Einsurance is an insurance agency that offers homeowners' insurance policies. It insures a multitude of different property types including single-family homes, mobile homes, townhouses, and condominiums. Clients can also purchase policies if they are landlords or renters. Flood insurance is available as well. Einsurance sells package policies for those who want to bundle their homeowners' insurance and auto insurance policies together. Other focus areas of this agency include auto insurance, business insurance, health insurance, life insurance, and financial services.

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 (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
Responsiveness
Friendliness
Helpfulness
Detail
Ferrell Insurance Agency logo
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Ferrell Insurance Agency

4219 95th Street, Oak Lawn, IL 60453
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  • Renter's Insurance
  • Flood
  • Earthquake
  • Condos

Business Description

Ferrell Insurance Agency sells homeowners insurance policies and can help clients to select packages that best fulfill their coverage needs. It offers plans that cover the physical structures of homes and account for any material replacement costs or repair costs. Several kinds of plans are available to cover items inside of properties as well as liabilities associated with guests. Condo insurance plans are also available and Ferrell Insurance Agency offers policies for a range of other personal and business needs too.

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.
4.2

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
Finny Rajchel - State Farm Insurance Agent logo
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Finny Rajchel - State Farm Insurance Agent

18W044 22nd St, Oakbrook Terrace, IL 60181
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Finny Rajchel, State Farm Insurance Agent, is available to help those looking for homeowners insurance near Cicero. This agency offers a variety of customizable plans so that customers can purchase coverage for the structures of their homes and protect those on the premises through liability coverage. Coverage is also available for the belongings they have inside of their homes and on their land. Finny Rajchel, State Farm Insurance Agent, carries policies for automobiles and small businesses as well.

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
4.9 / 5 (106)
Facebook
5.0 / 5 (36)
Yelp
4.0 / 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
Forest Insurance logo
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Forest Insurance

7310 Madison St Forest Park , IL 60130, Forest Park, IL 60130
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  • Multiple Policy Types

Business Description

Forest Insurance offers homeowners insurance policies to cover housing structures as well as tangible assets inside. This agency guides clients through shopping for quotes and helps them to find policies that can cover their specific liabilities. It assesses each client's properties and special valuables to help them properly insure them and purchase the right amounts of coverage. Condominium insurance and personal umbrella insurance policies are also available as well as life insurance and business insurance policies.

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 (65)
Yelp
4.0 / 5 (16)

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
Frank Cooper - State Farm Insurance Agent logo
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Frank Cooper - State Farm Insurance Agent

5307 S Hyde Park Blvd Ste 101, Chicago, IL 60615
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Frank Cooper, State Farm Insurance Agent, offers homeowners insurance plans through the State Farm network. Its namesake agent assists customers with shopping for policies and securing coverage for their homes, their belongings, and their properties. A variety of plans are available depending on what amount of coverage each customer requires. Frank Cooper, State Farm Insurance Agent, also serves renters who need to insure their belongings. This agency offers auto insurance, life insurance, and small business insurance too.

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 (8)
Yelp
4.5 / 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
Glenn Miller - State Farm Insurance Agent logo
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Glenn Miller - State Farm Insurance Agent

404 E North Ave Ste 1, Northlake, IL 60164
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Glenn Miller, State Farm Insurance Agent, provides comprehensive services to clients in the Cicero metro area who need homeowners insurance. It guides them through the policy purchase process and assists them with finding quotes based on their homes and the property they own. Its policies cover repair or replacement costs as well as liabilities associated with injury on properties. Insurance specifically for personal articles and renters insurance plans are available as well.

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
4.6 / 5 (9)
Facebook
5.0 / 5 (3)
Yelp
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
InsureOne logo
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InsureOne

5615 West 95th Street, Oak Lawn, IL 60453
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  • Personal Property Insurance

Business Description

InsureOne is an insurance company serving clients in the Cicero metro area. This company offers a variety of coverage options to clients that want to insure their homes. It sells property insurance that covers physical structures on owned land and belongings of the policy holder. These policies can also cover liability for people who are hurt on the property as well as living expenses related to being dislocated by property damage. Landlord and renters insurance policies are available as well.

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.
4.5
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
Jim Finnerty - State Farm Insurance Agent logo
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Jim Finnerty - State Farm Insurance Agent

6643 Ogden Ave, Berwyn, IL 60402
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Jim Finnerty, State Farm Insurance Agent, assists people with homeowners insurance policies and enables them to shop for quotes offered by State Farm. This agency helps clients to cover their homes and purchase plans to repair or replace the materials included. Agent Jim Finnerty has served clients since 1989 and can advise them on the kinds of coverage they need to purchase for their needs. Life insurance and health insurance plans are available as well as auto insurance plans.

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 (41)

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
Joanna Kierys Chlystek - State Farm Insurance Agent logo
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Joanna Kierys Chlystek - State Farm Insurance Agent

7900 S 87th Ave, Justice, IL 60458
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Joanna Kierys Chlystek, State Farm Insurance Agent, is operated by a team of agents with over 60 years of combined experience. It sells homeowners insurance policies through State Farm and advises clients on available rates and policy options depending on what their coverage needs are. Plans are available to cover housing structures, liability on the land, and any possessions that clients have. Joanna Kierys Chlystek, State Farm Insurance Agent, can also help clients to cover their cars or small businesses.

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
4.9 / 5 (143)
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
Kevin S. Dougherty Insurance Agency, Ltd. logo
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Kevin S. Dougherty Insurance Agency, Ltd.

1000 Jorie Boulevard, Oak Brook, IL 60523
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Kevin S. Dougherty Insurance Agency Ltd. offers homeowners insurance near Cicero through a variety of policies. Its policies can cover homes and belongings and offer clients a choice of quotes based on the amount of coverage they need. This agency is experienced at covering special items such as jewelry or pieces of fine art as well. Similar types of insurance policies are available for renters and for owners of condominiums. Auto and business insurance polices are offered here.

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
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
Lakeview Insurance Agency of Illinois, Ltd. logo
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Lakeview Insurance Agency of Illinois, Ltd.

3438 North Southport Avenue, Chicago, IL 60657
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  • Multiple Policy Types
  • Flood
  • Renter's Insurance

Business Description

Lakeview Insurance Agency of Illinois Ltd. provides homeowners insurance policies near Cicero. Active since 1976, this agency has considerable experience both advising clients on homeowners insurance and helping them to shop for and purchase policies. It offers policies that cover homes, possessions, liabilities, and special circumstances related to weather phenomena. Lakeview Insurance Agency of Illinois Ltd. also offers condo insurance and can insurance multifamily properties and apartment buildings as well. Auto, business, and life insurance policies are available.

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.
4.6
Google
4.8 / 5 (58)
Yelp
4.0 / 5 (22)

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
Linda Mitchell - State Farm Insurance Agent logo
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Linda Mitchell - State Farm Insurance Agent

106 N Halsted St, Chicago, IL 60661
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Linda Mitchell, State Farm Insurance Agency, serves the Cicero metro area and helps clients to purchase home and property insurance plans from State Farm. Its plans can cover for any costs associated with rebuilding properties, and they replace belongings such as items of furniture, electronics, jewelry, art, and other items, depending on the policy purchased. Renters insurance is available alongside condo insurance, and Linda Mitchell, State Farm Insurance Agency, can insure pets too.

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
4.6 / 5 (25)
Facebook
5.0 / 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
Responsiveness
Friendliness
Helpfulness
Detail
Mike Adelsbach - State Farm Insurance Agent logo
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Mike Adelsbach - State Farm Insurance Agent

7840 W Ogden Ave Unit 1, Lyons, IL 60534
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Mike Adelsbach, State Farm Insurance Agent, is managed by a founder who's been with State Farm since 2000 and offers 24/7 services to his clients. This agency sells homeowners insurance policies to people with a variety of needs. Packages are available to cover homes, insure damage caused by weather phenomena, and repair or replace any belongings. Mike Adelsbach, State Farm Insurance Agent, also covers cars and small businesses and offers life plans.

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
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
Peter Grande - State Farm Insurance Agent logo
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Peter Grande - State Farm Insurance Agent

4732 N Harlem Ave, Harwood Heights, IL 60706
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  • Personal Property Insurance
  • Condos
  • Renter's Insurance

Business Description

Peter Grande, State Farm Insurance Agent, is an office under the State Farm umbrella that offers comprehensive homeowners insurance policies. Its agents help clients to find policies that adequately cover their homes, their belongings, and any liabilities attached to those things. Clients can get quotes for special items of property such as artwork and cover any businesses within their homes too. Small business insurance, automobile insurance, and life insurance plans are available as well.

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.
4.4
Facebook
4.3 / 5 (18)
Google
4.5 / 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
Vivian Valtas - State Farm Insurance Agent logo
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Vivian Valtas - State Farm Insurance Agent

6108 S Archer Ave, Chicago, IL 60638
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Vivian Valtas, State Farm Insurance Agent, offers policies for property and for homes and assists clients as they shop for quotes. The agency evaluates each client's circumstances and advise them on the types of coverage they need as well as in what amounts. It also helps clients when they need to file claims. Vivian Valtas, State Farm Insurance Agent, can assist with policies for automobiles, life insurance, health insurance, or small business needs.

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 (389)
Facebook
5.0 / 5 (15)

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
Westpoint Insurance logo
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Westpoint Insurance

1495, Bridgeview, IL 60455
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  • Multiple Policy Types

Business Description

Westpoint Insurance serves clients in and around the Cicero metro area, providing assistance with the policy shopping process when clients need homeowners insurance. It offers policies that cover repair or replacement costs for physical housing structures and for furniture and other items inside them. The agency can consult clients on purchasing coverage for weather phenomenon, burglary, vandalism, and other incidents as well as liability coverage in case anyone is injured on the property. Car, travel, and personal umbrella insurance policies are available.

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.
4.2
Google
4.2 / 5 (5)

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