Homeowners Insurance in Bolingbrook, Berwyn & Cicero, IL
Knowing what home insurance covers is the first step toward financially protecting your investment. Solaris Insurance is here to help review policy options and make recommendations.
While specific policy inclusions may vary depending on the insurer, typical coverage options may include: 
- Dwelling coverage: This can help pay for reconstruction costs if your home is damaged by fire, specific natural disasters, theft or vandalism.
- Personal property coverage: This can cover damage to your appliances, electronics and clothing caused by a covered risk.
- Personal liability coverage: This can cover claims of third-party property damage or bodily injuries that happened on your property.
- Additional living expenses coverage: This can help pay for food and accommodation if a covered risk renders your home uninhabitable, forcing you to move out temporarily.
Who Needs Homeowners Insurance?
First-time buyers and seasoned owners can both benefit from homeowners insurance. While it’s not legally required in Illinois, your lender may ask for proof of insurance if you have a mortgage on your property.
Factors That Affect Your Policy
Numerous factors can influence the cost of homeowners insurance, including:
- Location
- Property characteristics (e.g., age, building materials, size, value)
- Risk exposure (e.g., crime, severe weather)
- Claims history
- Coverage limits
- Deductible
Our team can help you save on premiums by finding possible discounts.
How Solaris Insurance Supports Homeowners
We take the time to understand your needs and recommend a policy that fits your lifestyle and budget. We’re here to help in case you need to file a claim or review your coverage. Contact us today if you’re interested in a personalized quote.