Common Insurance Gaps Chicago Homeowners Overlook
No water backup endorsement. Sewer and sump pump backup is generally excluded from a standard home policy, and Chicago's combined sewer system makes it a common conversation. The endorsement is available on most policies.
Dwelling limits that haven't been reviewed. Construction and labor costs change. If your policy hasn't been looked at recently, the rebuild figure may no longer reflect what construction costs today.
No umbrella conversation. Additional liability protection above qualifying auto and home policies may be available, and many homeowners have never been asked whether they want it.
Improvements the agency never heard about. A finished basement, a new roof, a new deck, or a home business can all change coverage needs. Tell us when something changes and we'll review it with you.
Related coverage: Home Insurance in Chicago
This content provides general information and is not legal advice or a statement of insurance coverage. Actual coverage depends on the policy's terms, conditions, limits and exclusions.
Have questions about your coverage?
Get a plain-English review from a local Chicago agency.
Talk to Joe