Homeowners Insurance in Aurora, IL
Homeowners insurance can be an essential part of responsible homeownership, offering financial protection against unforeseen events that may harm your property and possessions. By investing in homeowners insurance, you can help financially safeguard your home.
What Does Home Insurance Cover? 
Homeowners insurance policies offer a range of benefits designed to provide targeted protection for various unexpected and unavoidable issues, such as the following:
- Dwelling coverage can offer financial protection for your home in the event of damage from incidents such as fires, weather, theft or vandalism. Additionally, most policies extend coverage to other structures on your property, such as fences, carports, gazebos and garages.
- Personal property coverage can help financially cover the personal belongings inside your home, such as electronics and clothing. Depending on the value of the items, you might consider purchasing a scheduled items rider, as standard policies typically have coverage limits.
- Liability coverage can help cover costs if you are responsible for accidentally harming someone or damaging their property. It often covers incidents both on and off your property.
- Additional living expenses coverage can help pay hotel bills and dining expenses if a covered loss makes your home uninhabitable.
Because every home is unique, you can further customize your coverage with the following options, among others:
- Scheduled items riders
- Umbrella liability insurance
- Flood insurance
- Earthquake and windstorm endorsements
How Often Should You Review Your Homeowners Insurance?
It’s recommended to review your homeowners insurance coverage at least once a year. Additionally, you should reassess your coverage whenever you experience significant life events, such as buying a new home, making major purchases or improvements, or undergoing lifestyle changes like marriage or divorce.
Learn More
For homeowners insurance near you, contact Stella Insurance Agency.