If you’re in the market for auto insurance, bear in mind that your premiums will be based on the value of your vehicle. A luxury car will carry a higher premium than an economy car. Other items to consider are bodily injury liability, collision, comprehensive, medical coverage, property damage and uninsured motorist protection.

Homeowners insurance protects your property – both your house and things in it – from losses due to fire, wind, theft and whole lot more. Homeowners Insurance also covers you for property damage or injury to others for which you or other family members may be held legally liable.

There are several standard parts of homeowner insurance coverage, but there are even more ways to customize home insurance policies to make sure you get maximum credits and the right insurance coverage for your Illinois home. Your insurance specialist can customize your home insurance policy for home business occupancies, special collections, important art or jewelry, and more.

If you’re a renter, you should know that a renters policy covers almost all of your personal property in your home and in some cases, out of your rental unit.  The insurance extends to your home’s contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership.

By: Diane Krieger Spivak

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