At HomeInsurance.com, we aim to provide a website for home insurance consumers that is easy to use, easy to find, resourceful and comprehensive.

Recently, we were graded by WebsiteGrader.com and are happy to announce our grade of 97/100! This grade is based on website structure, usability, blog strength, readability and search engine exposure. In our quest to be the best home insurance resource on the web, this is a big step forward.  Thanks to our community of homeowners, their continual feedback and support- we continue to provide daily news and the most current home insurance tools, resources and tips available.

Take a minute to check out HomeInsurance.com and see how we earned a 97 on our report card!

Thanks, YourAgent@HomeInsurance.com

Homeowners:

Low rates for home insurance are always appreciated- however- homeowners should be wary of a home insurance quote that seems too low.  One reason why shopping around for home insurance is so important is because homeowners can see how the different rates vary from company to company.  Often, one company will offer a rate much lower than the others. While paying a cheap home insurance premium might sound desireable- homeowners should be wary of what they are giving up in order to secure that low rate.

Oftentimes a home insurance company will under-insure a home in order to qualify that homeowners for a lower rate. While the reduced cost might seem nice, what would happen to that same homeowner in the event that their home was destroyed due to a  covered peril?  While the peril may be covered under their home insurance policy, the replacement value of the home may be listed too low on their policy.  In this case, the insurance company would not pay out enough money to rebuild the home to it’s previous condition.  (This of course is not an issue of the homeowner has a guaranteed replacement cost policy- but these are not very common anymore).

Another way that a company might be calculating a super low rate is by figuring in a really high deductible.  This will also make your home insurance premium much lower. However, it can also leave you in a financial bind if you needed to file a claim and do not have the cash to meet your deductible.

Moral of the story- As a home insurance consumer always make sure you are comparing apples to apples when it comes to home insurance rates. Ask for quotes using the same set of requirments such as deductibles, replacement values, etc.

Your Agent@HomeInsurance.com

Dear Ms. Shiver,

 Generally when you have a mortgage and are located in a coastal area, the mortgage company will require you to have both home insurance and wind & hail insurance.  You should inquire with you lender to be certain.  Please feel free to visit our website to get a quote from one of our partner companies for your home and wind & hail policies. 

 Thank you for choosing HomeInsurance.com

At HomeInsurance.com we update our website daily to provide the most important home insurance resources for our customers. Recently, we have been updated our Tools & Tips pages where homeowners can find resources such as a home insurance glossary, mortgage and home insurance calculators, FAQs, Money Saving Tips and recent news.

Have a question about Home Insurance that you would like answered?  Just fill out a quick Question Form and we will get back to you shortly.  Or, post the question on our home insurance blog and get expert feedback from our agents. We want to hear from you!

Thanks for visiting HomeInsurance.com,

Your Agent@HomeInsurance.com

Tyron,

Yes, we can find you a policy in Illinois.  As a matter of fact, we can find our customers home insurance anywhere in the country. We have partnered with some of the top home insurance companies in the nation so that we can offer the best home insurance available- great rates and amazing coverage. Look no further for Illinois home insurance- HomeInsurance.com is here to help.

As an added feature for our customers, we have also created a Tips and Tools center on our website packed full of great interactive tools for homeowners such as a mortgage calculator, home insurance calculator, FAQs, glossary and home insurance tips.

 Feel free to fill out our Quick Quote Form and see how much money we can save you on Illinois Home Insurance today.

Thanks,

Your Agent at HomeInsurance.com

Homeowners,

Did you know that you can save up to 15% on your home insurance policy simply by insuring your car and your home with the same company? Get a home insurance quote today and tell your agent that you want to take advantage of the home/auto discount. They will help you save the most amount of money possible on your home insurance!

Want other ways to save on your home insurance? See our page on Home Insurance Discounts, see if you qualify and get quotes today!

Thanks! Your Agent@HomeInsurance.com