Home Insurance in Chicago IL
In a city like Chicago, where changing seasons and aging infrastructure can expose your home to a range of risks, it’s important to have a homeowners insurance policy that meets your needs. Universal Insurance Services helps homeowners across the city find reliable coverage tailored to their property, location and lifestyle.
What Does Home Insurance Typically Cover?
Home insurance can help reduce the financial burden of repairs or losses caused by unexpected events. Your exact coverage may vary, but most standard policies include the following:
- Dwelling coverage, which may help cover repairs to your home’s structure following a covered incident such as fire, hail or wind
- Personal property coverage, which may assist in replacing stolen or damaged belongings like electronics, furniture or clothing
- Liability coverage, which may apply if someone is injured on your property and you’re found legally responsible
- Additional living expenses, which may help cover hotel stays or meals if you’re temporarily unable to live in your home after a covered loss
Depending on your location or building type, additional coverage (such as sewer backup or flood insurance) may also be worth exploring.
Coverage Backed by Local Experience
Our local agents understand the ins and outs of homeownership in the area and can help you choose the right policy with confidence. We’ll also walk you through bundling options, deductibles and updates that may qualify you for discounts.
Contact our Chicago office today to start a homeowners insurance quote or speak with a local agent.