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2024

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Best Homeowners Insurance Agencies in Elgin, IL

Our Recommended Top 3

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Elgin Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

66Reviewed

40Curated

3Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

12396 Princeton Drive, Huntley, IL 60142

Expertise.com Rating

Review Sources

Google
4.9 (447)
Yelp
4.5 (14)
Facebook
4.3 (9)

Why choose this provider?

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.

  • Multiple Policy Types

1331 Dundee Ave, Elgin, IL 60120

Expertise.com Rating

Review Sources

Google
4.8 (9)

Why choose this provider?

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.

  • Personal Property Insurance
  • Multiple Policy Types

2435 Dean Street, St. Charles, IL 60175

Expertise.com Rating

Why choose this provider?

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.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
gladwithchad.com
12396 Princeton Drive, Huntley, IL 60142
Valentine Insurance Agency, Inc.
1331 Dundee Ave, Elgin, IL 60120
Brian Feltes & Associates, Inc.
2435 Dean Street, St. Charles, IL 60175

FAQs

  • 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 differentiates homeowners insurance from property insurance in Elgin?

    While homeowners insurance and property insurance in Elgin are often used interchangeably, their key difference lies in the term 'property,' which can extend to possessions such as boats and cars. Property insurance safeguards your home and land, whereas homeowners insurance doesn't include protection for your boat, car, or other items typically covered by property insurance.

  • What are some additional homeowners insurance coverages available in Elgin?

    Elgin's additional homeowners' insurance options include the following:

    • Water backup and sump pump overflow: Safeguards against water backup and sump pump overflow damage, excluding floods and surface water.
    • Additional limits coverage: Covers rebuilding expenses up to 125% (or 150% by location) of your policy limits in total loss situations.
    • Identity fraud expense coverage: Reimburses select out-of-pocket expenses in identity theft or fraud cases.
    • Equipment breakdown coverage: Assists with appliance repair expenses.
    • Valuable items coverage: Boosts coverage limits for valuable possessions like silverware and jewelry.
  • Is roof leak damage covered by homeowners insurance in Elgin?

    Roof leaks are a common issue in Elgin, but whether they're covered or not depends on the cause. If the leak resulted from an unexpected event like a storm, it should be covered. However, claims are likely to be denied by your insurance company if the leak was due to inadequate maintenance.

  • Who qualifies as a resident in an Elgin homeowners insurance policy?

    For a homeowners insurance policy in Elgin, a resident includes your spouse or civil partner, children, and any individual who permanently lives in your home. This also encompasses individuals temporarily traveling or living away from home like students in college. Despite pets being beloved family members, they aren't covered by your insurance.

  • What elements could influence the price of your Elgin homeowners insurance?

    Several factors will impact the price of your Elgin homeowners insurance, including your chosen property coverage limits; the assessed value of your property; the number of individuals residing in your home; the prevailing weather, crime, and other hazard risks in your locality; the security features installed in your home; and your credit score.

  • 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.

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