Home Insurance

Depending on where you live – a house, apartment, condominium, mobile home, etc. – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!

Why do I need Homeowner's Insurance?

 

Illinois, Indiana, Missouri, Kansas, Texas, and Arizona – What you need to know about homeowners insurance. Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Eden Insurance & Financial Services is here to help you find the right insurance for your home. Whether you’re a home or condo owner, or a renter, Eden Insurance & Financial Services will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.

Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. You also need enough coverage to get you back where you were before the claim, which could mean a whole new house built from scratch! Eden Insurance & Financial Services can help you find the homeowner’s insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Your home insurance policy is most often made up of the specific options you choose, so how much you'll pay for your policy depends on:

What you select

Oftentimes homeowners insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy.

How Much You Want to Cover

Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $1,000 deductible, you would be responsible for paying the first $1,00 of the covered loss. Carrying a higher deductible like $2,500 would lower your rate, but also leave you having to pay more out of pocket before your insurance starts paying.

Where You Set Your Limits

You may choose to set higher limits than what others carry if appropriate to your situation and needs.

The Right Coverage. The Right Price. The Right Value

We will start by reviewing your needs and wants for your policy.  The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets and income you want to protect. The areas we’ll cover are:

  • Protection for your home

    Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

  • Protection for you and other people

    Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.

    When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets and your income if you are sued.

  • Medical Coverage

    This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

  • Additional Living Expenses

    If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt.

  • Protection for your belongings

    Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

  • Scheduled Personal Property Coverage

    If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.

You can protect yourself from other situations that may come up and aren’t provided by a standard policy. These can include water and sewer backup, earthquake, or ID theft. Talk to our team at Eden Insurance today about a customized home policy.

If You Rent Out Your Home

Landlords have very different coverage needs and may have the option to buy optional property, loss of rents, and liability coverages for the risks posed by tenant-occupied dwellings. Talk with us about business insurance for more information.

Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you.

Bloomington, IL – Protect the Things that Matter to You!

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.