Best Homeowners Insurance Agencies in Elgin

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Arachas Group, LLC logo

Arachas Group, LLC

852 West Bartlett Road, Bartlett, IL 60103
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  • Fire
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood

Arachas Group LLC is an independent insurance agency near Elgin that's been providing coverage for clients in over 36 states for more than 45 years. The agency's services include tailoring homeowner policies from a wide choice offered by some of the biggest insurers in the industry. Additionally, its agents can discuss policies that cater to unforeseen costs, such as price hikes by construction workers after major storms and repair costs to valuable items in the home.

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Brian Feltes & Associates, Inc. logo

Brian Feltes & Associates, Inc.

2435 Dean Street, St. Charles, IL 60175
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  • Multiple Policy Types

Brian Feltes & Associates Inc. is a locally owned and operated agency that's partnered with an array of major insurers to provide its personal and commercial customers with a choice of policies for most needs. This includes homeowners looking for policies that will cover repair costs in the event of disasters, such as roof damage after hailstorms and water damage from flooding. Additionally, the agency can discuss auto insurance and various policies for businesses.

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cherylrussellsmith.com logo

cherylrussellsmith.com

519 S Main St, Belvidere, IL 61008
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  • Condos
  • Multiple Policy Types
  • Fire

Russell-Smith Insurance And Law Offices has been providing personal and commercial insurance services in the Elgin metro area since 1989. The agency provides home insurance and condo insurance, advising clients on the best policies for their needs and within their budgets. Typical policies provide coverage against fires, storm damage, and flooding. Russell-Smith Insurance And Law Offices also has more than 14 years of experience practicing elder law, estate planning, and probate.

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gladwithchad.com logo

gladwithchad.com

12396 Princeton Drive, Huntley, IL 60142
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  • Multiple Policy Types

Chad Radtke is a State Farm insurance agent who has been serving clients in the Elgin metro area since opening his agency in 2007. The licensed agent routinely helps homeowners find the best policies with affordable premiums that give them coverage should the worst happen, such as a fire or flooding caused by burst pipes. Additionally, he can discuss life insurance to cover wages and debts in the event of the client passing.

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Valentine Insurance Agency, Inc. logo

Valentine Insurance Agency, Inc.

1331 Dundee Ave, Elgin, IL 60120
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  • Personal Property Insurance
  • Multiple Policy Types

Valentine Insurance Agency, Inc., is a full-service independent insurance agency serving Elgin residents, families, and businesses for over five decades. Its team of 17 fully-licensed insurance specialists helps clients find the right homeowners' insurance plans that fit their needs. The agency represents a variety of insurance providers, such as Pekin Insurance, Badger Mutual Trust, and biBERK, a Berkshire Hathaway company. Valentine Insurance Agency, Inc., also provides other personal lines of insurance, including commercial, life, and health insurance, and other financial services.

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Frequently Asked Questions

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

A: 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.

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

A: 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.

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

A: 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.

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