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Best Homeowners Insurance Agencies in Evanston

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Ann Witek - State Farm Insurance Agent logo
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Ann Witek - State Farm Insurance Agent

West Devon Avenue, Park Ridge, IL 60018
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  • Multiple Policy Types

Business Description

Ann Witek and her team of licensed agents have been State Farm insurance agents since 1981. The agency can help homeowners mold a policy that is within their budget while providing the coverage they need for their properties in the event of disasters, such as fires and floods. Ms. Witek can also discuss policies that can cover the costs of repairing or replacing personal items and protecting the homeowner from liability claims by visitors injured on their properties.

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
Facebook
5.0 / 5 (5)
Yelp
3.0 / 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
Clover Insurance logo
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Clover Insurance

7535 North Western Avenue, Chicago, IL 60645
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  • Multiple Policy Types

Business Description

Clover Insurance has been providing insurance solutions to Evanston and the surrounding communities for more than 40 years. Its team of professionals offers homeowers' insurance services focusing on owner-occupied single-family homes. The home insurance policy covers personal property, living expenses, medical costs, personal liability, and other structures. The company also provides auto, motorcycle, rideshare, and SR-22 insurance solutions. The insurance agents at Clover Insurance can also cater to Spanish-speaking 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.
4.7
Google
4.6 / 5 (88)
Facebook
5.0 / 5 (13)

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
Education Insurance Agency - Meemic logo
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Education Insurance Agency - Meemic

900 Chicago Avenue, Evanston, IL 60202
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Education Insurance Agency - Meemic is an insurance agency that specializes in home and auto insurance coverage for educators and teaching personnel in Evanston. Its homeowners' insurance policies protect homes, homeowners, and personal belongings from damage, personal liabilities, natural disasters, and losses (replacement for theft and burglaries). Clients of Education Insurance Agency can also avail of policy extensions that cover work-from-home equipment, educator liability, and losses of perishable goods from power loss.

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
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
Free Range Insurance logo
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Free Range Insurance

5225 Old Orchard Road, Skokie, IL 60077
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  • Landlord specialties
  • Multiple policies
  • Multiple Carriers

Business Description

Free Range Insurance is an independent insurance agency that has been serving Illinois locals in the Evanston and Skokie areas since 2012. It offers homeowners insurance policies for traditional homeowners, condo dwellers, renters, mobile home owners, and landlords. Its standard homeowners' policy covers the dwelling and other structures, disasters and theft, medical expenses, and personal liability. Clients may also obtain supplementary policies, such as in-home business coverage and scheduled property insurance. Free Range Insurance represents carriers such as National General Insurance, Travelers, and Nationwide.

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 (24)
Facebook
5.0 / 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
GALO Insurance Agency logo
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License Verified:

License: 100288434

Illinois Department of Insurance

GALO Insurance Agency

1806 Glenview Road, Glenview, IL 60025
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  • Homeowners

Business Description

GALO Insurance Agency is an independent insurance agency that serves clients in Evanston. It specializes in auto insurance, health insurance, life insurance, and home insurance. Its home insurance policies cover the needs of owners or renters of apartments and residential homes. Its agents search through policies from multiple insurance carriers to find the home insurance coverage that fits their clients' needs. They also provide risk assessment and objective analysis of the marketplace to help clients make sound decisions.

License Verified:

License: 100288434

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.
4.2
Google
4.0 / 5 (53)
Facebook
5.0 / 5 (8)
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
Heil & Heil Insurance Agency LLC logo
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Heil & Heil Insurance Agency LLC

5215 Old Orchard Road, Skokie, IL 60077
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  • Personal Property Insurance

Business Description

Heil & Heil Insurance Agency LLC is an insurance agency founded in 1885 that arranges policies for personal and business customers throughout Illinois and the U.S. Its agents frequently serve homeowners, discussing their unique needs and concerns, and finding policies within their budgets. The agents have arranged policies that cover common and uncommon disasters, from fires and floods to sinkholes and lightning strikes. The agency also offers umbrella insurance to protect clients from liability claims.

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.
4.3
Google
4.3 / 5 (35)
Yelp
4.0 / 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
John Roman - State Farm Insurance Agent logo
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John Roman - State Farm Insurance Agent

1800 Central Street, Evanston, IL 60201
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  • Multiple Policy Types

Business Description

John Roman is a State Farm insurance agent offering property damage coverage for homeowners in Evanston. Beyond securing repair costs for a client's dwelling, State Farm's home insurance covers select personal belongings, including keepsakes, hobby items, and home or gardening equipment. It includes damages sustained from natural hazards such as lightning, wind, and hail; sudden instances of fire, theft, and vandalism; and faulty pipes and torn or bulging HVAC systems. An agent since 2004, Roman also offers auto, health, and life 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 (32)
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
Riordan Insurance Group logo
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Riordan Insurance Group

6035 Northwest Highway, Chicago, IL 60631
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  • Renter's Insurance

Business Description

Riordan Insurance Group has been serving individuals and businesses for more than 30 years. Its licensed agents routinely advise and help clients in Illinois, Indiana, and Wisconsin, who are looking for home insurance that will protect them from the costs of replacing and repairing properties damaged by disasters, such as fire. Additionally, they can help clients get coverage for personal items, including valuables, such as art, and liability coverage should a visitor be injured in their properties.

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 (12)
Facebook
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
Robert Reece Insurance & Financial Services logo
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Robert Reece Insurance & Financial Services

1603 Orrington Avenue, Evanston, IL 60201
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  • Fire
  • Multiple Policy Types

Business Description

Robert Reece Insurance & Financial Services has been delivering personal and commercial insurance options for clients in Evanston and the surrounding communities for almost 50 years. The agents advise clients on the right homeowners' insurance policy to get depending on the extent of the perils covered. The standard homeowners' insurance policy protects the house itself and other structures and personal belongings such as furniture and appliances. The perils that are covered include windstorms, fire, and theft.

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
Weer Insurance Group logo
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Weer Insurance Group

939 West North Avenue, Chicago, IL 60642
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  • Renter's Insurance
  • Condos

Business Description

The licensed agents at Weer Insurance Group provide independent advice on a wide range of policies suitable for homeowners. The agency partners with many of the top insurers, such as Liberty Mutual and Travelers, to bring a choice of policies to clients that suit a range of budgets. The policies can provide coverage against natural disasters, such as storms, and unforeseen accidents that result in fires or floods. Additionally, the agents can discuss umbrella 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.
4.6
Facebook
5.0 / 5 (34)

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.

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