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Best Homeowners Insurance Agencies in Palatine

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AFI Insurance logo
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AFI Insurance

2609 Pebblebrook Lane, Rolling Meadows, IL 60008
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Fire
  • Condos

Business Description

AFI Insurance is an independent agency serving Palatine and the surrounding areas. Its agents provide homeowners' insurance services to financially protect clients from losses and damage due to insured causes like theft and vandalism, riots, fire incidents, explosions, and water discharge. The home insurance policy covers the home's structure, personal belongings, temporary displacement, and liability. The company also offers policies for rental properties, small businesses, auto body shops, and 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.
4.8
Google
5.0 / 5 (19)

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
CFM Insurance, Inc. logo
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CFM Insurance, Inc.

50 Brockway Street, Palatine, IL 60067
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  • Multiple Policy Types

Business Description

CFM Insurance, Inc., has been offering personal, life, property, casualty, and commercial insurance solutions for clients in Palatine and the surrounding communities since 1929. Its agents help homeowners choose an insurance policy that will cover the expenses in case of damage to the client's house and personal possessions. In addition to providing the right insurance policy for the client, the company also offers a 24-hour claims hotline, flexible billing, and living expense coverage.

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
Christine Altieri - State Farm Insurance Agent logo
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Christine Altieri - State Farm Insurance Agent

975 Weiland Road, Buffalo Grove, IL 60089
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  • Multiple Policy Types

Business Description

Christine Altieri State Farm Insurance Agent works with clients in the Palatine area to determine which insurance products they require and to help them find the best rates. She exclusively sells State Farm policies, helping homeowners, as well as drivers and business owners, to protect their financial wellbeing in the event of a fire, storm, theft, or another disaster. Christine Altieri has been working with State Farm for more than 30 years.

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
4.5 / 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
NCR Insurance Group logo
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NCR Insurance Group

1180 East Dundee Road, Palatine, IL 60074
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

NCR Insurance Group provides auto, home, and commercial insurance services to clients in Palatine and the neighboring areas. The company provides homeowners' insurance policy options for clients wanting to safeguard their residential property and personal items from financial losses in case of misfortunes ranging from minor theft to significant damage. The policy also provides liability protection in the unfortunate event of accidents on the client's property. The staff is fluent in both English and Spanish languages.

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
4.4 / 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
Sasha Ivanov - State Farm Insurance Agent logo
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Sasha Ivanov - State Farm Insurance Agent

153 West Northwest Highway, Palatine, IL 60067
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  • Renter's Insurance

Business Description

Sasha Ivanov - State Farm Insurance Agent provides financial protection to homeowners in Palatine. Ivanov has been assisting clients with various insurance products for over 11 years. Her agency offers insurance plans for homeowners, condo unit owners, renters, and business property owners. The agency has over 45 years of combined experience crafting personalized insurance coverages to protect properties and other assets. Its staff are fluent in speaking Spanish, Bulgarian, and Macedonian.

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
5.0 / 5 (155)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
SunGolde Insurance Agency logo
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SunGolde Insurance Agency

119 East Palatine Road, Palatine, IL 60067
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  • Multiple Policy Types

Business Description

SunGolde Insurance Agency is an independent agency that has been providing its services for five years. The business serves Palatine and nearby regions. Its team of advisors provides homeowners' insurance solutions that can protect clients financially in case of a loss due to vandalism, theft, and fire incidents. The home insurance policy also covers legal responsibility or liability for any injuries to other people. The professionals from this business also offer fundamental care, business, and umbrella 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.
5.0
Google
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
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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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