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INSURANCE

Homeowners Insurance

Homeowners Insurance 

KoenigRubloff Insurance Agency has been specializing in homeowners insurance for the past 40 years. We represent some of the most competitively priced insurance carriers in the country. As there can be huge differences in the type of coverage needed between a home built in the 1920’s and one that is newly constructed, it is best to check with us for a no-obligation quotation. As part of the one-stop shopping experience, we can provide a proposal for your consideration very quickly.

Guaranteed Replacement Cost
At the time of a loss you want to be sure you have an adequate amount of coverage on your home. This can be accomplished by adding a Guaranteed Replacement Cost endorsement to your policy. For example, a home destroyed by fire that has an appraised value of $450,000 could cost more to rebuild. Our insurance companies will guarantee to pay the amount it will take to rebuild your home—even if that amount is over $450,000! This endorsement gives you the peace of mind of knowing you are protected. We automatically include this endorsement on our policies. While it is meaningful to have this coverage on every home, it is especially important with older and turn of the century homes in Chicago and along the North Shore.

Scheduled Personal Property
Homeowner insurance policies have a built-in limitation for theft of jewelry, silverware and furs. In most cases, the insurance company will pay only a small amount of the replacement value of these items if they are stolen.

The additional protection far outweighs the cost. Other items, such as fine arts, collectible, bicycles and musical instruments can be scheduled as well.

Personal Liability
Included with your homeowners policy is coverage for personal liability. A standard policy has $100,000 of personal liability coverage included and would typically cover these types of situations: 

  • A visitor to your home, slips, falls and gets hurt.
  • The lawnmower you borrowed from your neighbor is damaged.
  • Your dog bites someone.
  • While visiting a friend, your cigarette burns a hole in the carpeting.

Those are great examples of when Personal Liability coverage would be important. Depending on your personal circumstance, a standard policy might offer good coverage for you.

Water Backup Coverage
Most homeowner insurance policies do not cover damages caused by the backup of water from sewers or sump pumps. Damage from these types of storms can be extensive, so we include Water Backup Coverage along with every quote.
By the way, this water backup coverage is NOT flood insurance. We will be happy to explain the difference!