Welcome to InsureMe, your online information source for Illinois house insurance. InsureMe provides quick, accurate, competitive Illinois home insurance quotes from agents across the country and in your area. Whether you live in Chicago, Springfield or anywhere in between, InsureMe can help you find the right policy at an affordable price.
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Getting the Right Coverage
Illinois home insurance protects you from financial loss due to damage, theft and many other hazards. And since your home is most likely your largest single investment, it is important to acquire the right coverage in the right amounts. But how can you know what you need? There are three methods for valuing homes in Illinois, and the method used determines how much money you receive if you ever have to file a claim. One technique is insuring for your home's actual cash value. This pays you for the replacement cost of your home minus its depreciation. If you suffer a loss under this valuation method, your insurer reimburses you what your property was worth immediately before your loss.

Another technique is insuring against your home's replacement cost. In this case, you are paid what it would cost to rebuild or replace your home using similar materials, up to the limits of your policy. This method pays you more because there is no deduction for depreciation.
Finally, you may insure for your home's guaranteed replacement cost, which pays you its total replacement cost value—even if this cost exceeds your policy limit. However, your Illinois homeowner's insurance company may limit this to a certain percentage above your policy's limit.

Factors Affecting Premiums
Illinois homeowner's insurance premiums can vary greatly, so comparison shop to find the best policy with the greatest value for the lowest cost.

Some of the factors which may affect your home insurance premium include:
Type of construction (brick, stone, wood, masonry)
Fire protection available
Location
Deductible
Home's age
Policy and coverage type
Number of living units in the dwelling
Claim history
Credit history
Discounts (multiple policy, senior citizen, fire alarms, deadbolt locks, etc.)

Depending on the history of your home and your own history, your house insurance may cost more or less than you expect. Talk to a licensed Illinois home insurance agent to see howyou rate when examining these factors. With over 900 mobile home communities in the state of Illinois alone, it’s easy to see that this type of dwelling is ever popular. The price is incredibly appealing when considering a manufactured home, as is the design. The days of a boxy rectangular structure have been traded in for elaborate, spacious, and attractive floor plans. When considering the purchase of one of these solid investments it’s also important to think about homeowners insurance for a mobile home in Illinois.

Mobile home insurance is critical for anyone who owns their home. The same is true of people who rent. In the latter case, the renters of the mobile home will be interested in a policy that provides coverage for their belongings. They aren’t eligible to insure or collect on any insurance proceeds on the manufactured home itself if their name isn’t on the title.

For people who do indeed own their own mobile home they’ll want coverage that will provide adequately in the event their home is destroyed or severely damaged. This can occur during a fire or the structure can suffer substantial damage during a hail or windstorm as well. Foregoing this type of insurance can result in the homeowner having to foot the repair bill or in a worse case scenario they would lose their home entirely without any avenue for retribution.

Although it can be tempting to not purchase insurance coverage for this type of home the homeowner must consider that there are ways to reduce costs. One is fairly simple and often overlooked. Paying monthly premiums for home insurance is very convenient and can also be incredibly costly. Many insurance companies place a service fee on premiums that are paid more frequently than once a year. It’s best to pay annually to avoid any of these extra charges.

Are you in the market for Illinois homeowners insurance? To make sure you get the best rate possible, follow these money-saving tips.

Shop Around for the Best Rate

Renewing your homeowners insurance year after year with the same company is the easiest approach to insuring your home. It may even qualify you for a "loyalty" discount. However, because insurance costs vary by hundreds of dollars from one insurance company to another, it pays to comparison shop to make sure you're getting the best rate.

To make your comparison shopping easy, go to an insurance comparison website. On this website you fill out a simple questionnaire, then multiple A-rated insurance companies will begin to send you quotes. You can then compare the quotes and choose the one that's best for you.

If you have any questions, the best insurance comparison websites let you talk with insurance professionals so you can get answers to your questions, plus get advice on how to lower your premium (see link below).

Money Saving Tips

* Set your deductible as high as you can afford. Your deductible is the amount you have to pay on any claim before the insurance company starts to pay. A high deductible will mean lower premiums.Example: Increasing your deductible from $500 to $1,000 can save you 15% to 25% on your insurance. Increasing it to $2,500 can save you up to 35%. * Make sure you purchase the right amount of insurance - enough to rebuild your home and replace your personal possessions. Ask a builder or Realtor how much it would cost to rebuild your home, and take inventory of all your possessions so you know how much coverage to buy.
* Get all the discounts you qualify for. Insurance companies offer discounts for non-smokers and for retired people. You might also qualify for discounts if your home has safety and security features such as deadbolt locks, fire extinguishers, window locks, burglar alarms, and smoke alarms. And finally, insuring both your home and car with the same company can get you a 5% to 15% discount