Home Owners

Homeowners Insurance

Homeowners insurance is a form of property insurance that covers losses and damages to an individual's house and to assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

A homeowners insurance policy usually covers four incidents on the insured property – interior damage, exterior damage, loss or damage of personal assets/belongings, and injury that arises while on the property.
You own the property outright

  • Buildings
  • Contents
  • Liability


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Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

Guaranteed replacement cost coverage will pay the cost to rebuild your home as long as you have met the requirements of your home insurance policy.

Inflation Guard increases the amount of your homeowner insurance to keep up with inflation so that you can maintain adequate coverage to replace your home in the event of a loss.

Theft coverage protection broadens the theft coverage to include personal contents in your motor vehicle, trailer or watercraft to be covered without proof of forcible entry.

Contact

  • 13246 Illinois Route 59 Suite 212 Plainfield IL 60585
  • 630-998-8852
    630-998-8852
  • info@fidelity-insurance.com

What does home Insurance Will cover?

Home insurance typically protects your home and your possessions inside it against theft and damage due to fire, flood, storms, subsidence, burst pipes and water leaks.

Contents Insurance

Contents insurance is a type of home insurance that could cover the cost of replacing your possessions in your home if they're stolen, destroyed or damaged. It can be bought as a standalone policy or with buildings insurance, as a combined home insurance policy.