Home Insurance | Libertyville, IL and Gurnee, IL

Homeowners Insurance

Homeowners Insurance Quote Forms

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Home Insurance in Libertyville, IL and Gurnee, IL

As a locally owned and operated insurance agency, Jim Kelly Insurance has provided quality policy services to our friends and neighbors in Libertyville for more than three decades, and we’re committed to being the independent agency of choice for them well into the future. We offer you the ease of receiving services through a small business, while guaranteeing that your policy options will come backed by some of the most trusted insurance companies on the market.

Among the biggest choices you make in your life will be the decision to buy a home. Once you have it, it’s only natural to want to protect it as best you can. Homeowners insurance will be just one of your safeguards against the countless liabilities that could threaten you as a homeowner. Let us help you get the benefits you need at prices you deserve.

Common Homeowners Insurance Questions:

What is homeowners insurance?

Your home is both your safe haven and a significant financial investment. After all, to build a secure home, you will have to put a lot of time and money into the undertaking. Still, everything you have worked so hard to establish could be wiped out in an instant by any number of unexpected, unavoidable accidents. Homeowners insurance will be the benefit that can help you cover the costs of rebuilding your property and your life, so that you don’t face an unsustainable financial burden yourself.

What does homeowners insurance cover?

To tailor your homeowners policy to address the unique liabilities associated with your property, you can include a number of quality coverage options within your package. These include:

Structure protection: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards.

Detached structures coverage: Other buildings on your property – such as fences, carports, gazebos and detached garages – will have coverage.
Possessions insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.
Liability coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents both on and off your property.
Additional living expense protection: Do you need to move out temporarily after household damage? Let this coverage reimburse you for expenses like dining or hotel bills.

Still, because your property is a unique entity, you will often need specific policy endorsements and expanded coverage options to fully protect yourself. Coverage options to consider include:

Scheduled items riders
Replacement cost value possessions coverage
Umbrella liability insurance
Flood insurance
Earthquake and windstorm endorsements

Pet liability insurance

We can insure all shapes and sizes of homes, including rental homes, high-value properties, vacation homes and mobile homes. Our commitment to you is to optimize your plan in a way that provides you only the benefits you need, so that you never have anything but the perfect balance of coverage.

Is homeowners insurance required?

You will be required by most mortgage lenders to buy homeowners insurance at the time you enroll in your policy. Regardless of requirements, however, you should still consider this policy to be a mandatory part of your household budget.

How Much Does Home Insurance Cost?

Home insurers use risk-based pricing to determine premiums, which means that the cost of your plan will be based on your likelihood of having to file a claim (which will cost the insurer money on your behalf). Multiple risk factors could influence the cost of your policy, including:

The value of the home
The home’s location
Your credit score
Security features in the home

Your chosen policy and coverage limits

Our agents are committed to helping clients get the customized policies that are perfect for them. That’s why we’ll work one-to-one with you to determine the best ways to get your home the coverage it deserves, but at prices you can afford.

Protect Your Livelihood

Jim Kelly Insurance insures homes of all shapes and sizes, including rental homes, high-value properties, vacation homes and mobile homes. Our agents are committed to helping our clients get customized policies that provide the perfect balance of coverage.

We work with Illinois and Wisconsin residents for their coverage needs. Call us at 847-367-1234 to get a home policy designed for your needs.