Skip to content
Click to Text Click to Call (Northern IL) Click to Call (Eastern IA)
August Vincent Insurance Agency

1145 Mitchell Ct, Suite 216
Crystal Lake, IL 60014

Get Directions

Illinois Homeowners with home insurance coverage

Home Insurance in Illinois

Whether you own a home in Iowa or Illinois or are thinking about moving here, protecting your investment is crucial and will come in handy in helping you eliminate any financial setbacks. Apart from this, you also get peace of mind knowing that your home is protected from unfortunate events. Below, August Vincent Insurance Agency takes you through the types of home insurance options that residents within Illinois and Iowa should consider getting.

Content Coverage

Content coverage provides compensation when your personal belongings are stolen or damaged during fire, hail, or vandalism incidents. If your clothing, electronics, or furniture need repairs or replacement, content coverage will help you pay for these costs. However, expensive belongings such as jewelry and art pieces will need extra coverage, as these items are often excluded from content coverage.

Dwelling Coverage

Dwelling coverage offers protection to the structure of your home when it is destroyed by perils such as fire, hail, or vandalism. Examples of items that it will provide compensation for include your floors, ceilings, and walls. Build-in appliances are also covered, as well as fixtures such as bookcases and cabinets. If your detached garage also suffers damage, dwelling coverage will help you pay for its repair or replacement.

Additional Living Expenses Coverage

As the name suggests, additional living expenses coverage comes in handy when your home becomes uninhabitable, requiring you to seek shelter elsewhere. It will help pay for expenses such as hotel bills, travel costs, and restaurant meals until your home is repaired.

Liability Protection

Liability protection protects you when faced with lawsuits regarding bodily injury and property damage to 3rd parties. When you find yourself with either of these claims, liability protection covers your legal fees and damages arising from your lawsuit. However, keep in mind that this policy caters to accidental harm rather than intentional acts of malice.

If you reside within East Moline, Crystal Lake, IL, or Davenport, IA, and need home insurance coverage, consider reaching out to August Vincent Insurance Agency today.

  • Replacement Cost Coverage: replaces your home or personal possessions with "like kind and like quality" materials.
  • Sewer and sump back up coverage: does your policy protect against water damage in the basement from your sump pump not working during a power outage or your pumps inability to keep up with water intake during a heavy rain?
  • Scheduled Jewelry items: scheduling your jewlery items provides more comprehensive coverage and is not subject to your home policies deductible. So rest assured if the diamond in your wedding ring turns up missing and you cannot find it.
  • Wind/hail deductible: some policies require a minimum wind hail deductible starting at $1,000. Be aware of companies that have a 1% or 2% wind/hail deductible. If your home is insured for $200,000 with a 2% wind/hail deductible you will be required to pay $4,000 for that loss.
  • Loss Assessment: Is your residence part of a homeowner's association that charges a monthly fee? If so, make sure that your home/condo/townhome policy includes this. Loss assessment will pay your monthly fees to the association while you are displaced from your home after a covered loss.

Servicing States

  • Illinois
  • Iowa
  • Ohio
  • Wisconsin
  • Indiana
  • Texas
  • Missouri
  • Tennessee
  • Florida
  • Kansas


Partner Carriers

  • american modern
  • Central Illinois Mutual Insurance
  • diversified crop
  • foremost
  • founders
  • grinnell mutual & kane county mutual
  • hagerty
  • Hanover
  • Kane County Mutual
  • markel specialty
  • nationwide
  • Pie
  • progressive
  • safeco
  • Secura
  • The Hartford
  • Traverlers
  • westfield insurance