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FJP Insurance Agency Inc.

Home Insurance

If you have a home in Illinois, you need to protect it with home insurance from FJP Insurance Agency Inc. Home insurance protects not only your home structure but also its contents and the occupants. Knowing that the things that matter most to you are well protected gives you peace of mind.

Not familiar with home insurance? No problem. If you want to learn more about homeowners insurance, please keep scrolling.

Home insurance coverage options

Like most insurance policies, home insurance isn’t offered with just one option — it comes with several options to enable you to choose those suitable for you. Here are the different home insurance policies:

  • Dwelling structure: What would you do if your home is ravaged by fire? Do you have enough savings to rebuild your home? Home insurance helps in such instances by compensating you to rebuild or repair your home when disasters strike.
  • Liability coverage: Did you know home insurance can protect you and your loved ones when accused of causing property damage or bodily injury? If you invest in liability coverage, you don’t have to incur out-of-pocket costs when liability claims come knocking on your doors. Liability coverage covers the cost, including legal expenses when sued.
  • Contents coverage: Home insurance covers personal assets like clothing, electronics, and other belongings in your home. Should a listed peril cause damage or loss to your assets, home insurance compensates you up to the coverage limit.
  • Loss of use: Suppose a covered loss causes your home to be unlivable. You may be forced to look for a temporary shelter, maybe in a hotel or a similar home. Since you hadn’t planned for such expenses, it can affect your financial budget. Home insurance can pay for additional living expenses until your home is repaired.

While home insurance is an excellent investment, it doesn’t protect you against all risks under the sun. Read your policy document carefully and consult your insurance agent to understand your home insurance limitations and exclusions.

Protect your home with home insurance

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