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. <br>

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. <br>

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. <br>

7 Best Decatur Homeowners Insurance Agencies

Agency One Insurance & Real Estate

500 West Main Street, Decatur, IL 62522

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Condos
Renter's Insurance
Multiple Policy Types
Earthquake

Agency One Insurance & Real Estate is an insurance company that operates in Decatur. It provides homeowners with coverage for any unexpected damages, such as fires or theft, and subsequent repairs or replacement. It covers different types of properties like single-family homes, apartments, and manufactured homes. Its agents offer to check on a client's current policy and find ways to reduce expenses or find a better coverage plan. The company also provides insurance plans for life, health, and business concerns.

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Carole Brooker - State Farm Insurance

2605 N Main St, Decatur, IL 62526-3229

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Renter's Insurance
Personal Property Insurance
Condos

Carole Brooker - State Farm Insurance is dedicated to providing suitable insurance solutions to clients in Decatur and the surrounding communities. Its team of professionals offers homeowners' insurance services to financially protect the customers' family and home from damages due to disasters and unforeseen events. The home insurance policy covers items, such as collectibles, musical instruments, appliances, electronics, and furniture. The agency also has insurance plans for health, life, and business. Carole Brooker - State Farm Insurance has more than 25 years of experience.

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Duriah Delp - State Farm Insurance Agent

114 N Main Street, Sullivan, IL 61951

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Personal Property Insurance
Multiple Policy Types

Duriah Delp is a State Farm insurance agent who specializes in a range of products for clients living in and around the Decatur area. The licensed agent has offered various policies suitable for homeowners who want protection in case their homes are burgled or damaged in a fire. He's also provided policies that protect homeowners against liability claims by people injured while in the home. His additional services include offering insurance to drivers, business owners, and pet owners.

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Eagle Rock Insurance Services

225 South Main Street, Decatur, IL 62523

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Multiple Policy Types

Eagle Rock Insurance Services is an insurance brokerage firm that has been serving the Decatur metro area and surrounding communities for more than 30 years. The company guides homeowners in selecting the best insurance policy among several carriers that can protect their homes and personal properties against future disasters. Its licensed agents create personalized insurance solutions based on the requirements of their residential clients. Other offerings include auto, boat, life, motorcycle, and business insurance plans. The company also serves clients throughout the United States.

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Gibson Insurance Agency, Inc.

300 N. State Hwy 121, Mount Zion, IL 62549

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Renter's Insurance
Condos

Gibson Insurance Agency, Inc. provides personal and business insurance solutions to clients in Decatur and in areas around Macon County. Its team of agents helps clients find the right homeowners' insurance policy that can safeguard their homes, other structures on their properties, personal belongings, and additional expenses incurred due to a covered loss. Other coverages include personal liability protection. Established in 1967, the company also offers condo and renters' insurance.

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Preston Insurance Agency Illinois LLC

3795 N Woodford St, Decatur, IL 62526

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Fire
Personal Property Insurance
Flood

Preston Insurance Agency Illinois LLC. provides personal and commercial insurance options for clients in Decatur and the rest of the region. The team of agents helps clients choose the right homeowners' insurance policy to safeguard their private residences and their personal belongings in case of financial loss due to disasters. The agents discuss the three common risks or disasters the insurances may cover which are fire, flood, and theft. The agency has been in the industry for over three decades.

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Richland Insurance Services

636 W Imboden Dr, Decatur, IL 62521

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Multiple Policy Types

Richland Insurance Services is a Decatur-based independent insurance agency established in 2014. It offers a homeowners' insurance policy that covers a home or an apartment. The policy assists with the replacement of any personal property destroyed by fire or other disasters, and serves as protection from potential lawsuits filed by someone injured at a client's home. Richland Insurance Services works with different insurance carriers to get the best coverages for its clients. It also offers condo and renters' insurance.

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Best Homeowners Insurance Agencies in Decatur

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Homeowners Insurance Agencies FAQs

Agency One Insurance & Real Estate

Carole Brooker - State Farm Insurance

Duriah Delp - State Farm Insurance Agent

Eagle Rock Insurance Services

Gibson Insurance Agency, Inc.

Preston Insurance Agency Illinois LLC

Richland Insurance Services

Frequently Asked Questions

Q: How much homeowners\' insurance should someone carry?

Q: What should a homeowners\' insurance include/cover?

Q: How frequent should one change auto or homeowners\' insurance to another provider?

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