HOMEOWNERS INSURANCE

Homeowners Insurance - Quincy, IL

HOMEOWNERS INSURANCE: Protect Your Property and Possessions

Your home is a sanctuary where you and your family live, play, and make memories. It’s also where a large chunk of your net worth is stored, and the last thing you want is somebody breaking in and taking your most treasured possessions. Because your house is one of your most important investments, it’s vital to keep it insured. Here at Winters Insurance Group, we are a homeowners insurance company located in Quincy, IL, and we take pride in getting you the right insurance at an affordable price.

Protect Your Home and Belongings

Homeowners insurance provides you and your family with coverage in the event of damage to your home, garage, or other structures on your property. So what exactly does homeowners insurance cover?

Property Damage

Damage to your property can include damage to your residence or any attached property on your land, such as garages or gazebos. Homeowners insurance protects against natural disasters like hurricanes and tornados, as well as things like fires and vandalism.

Property Loss

Homeowners insurance also protects your belongings. Furniture, clothing, jewelry, and even cash stored inside your home can be protected under homeowners insurance plans. If your property is especially valuable, you’ll sometimes need additional “riders” or special endorsements on your policy. Simply talk to a qualified insurance agent at Winters Insurance Group to learn more about what is protected.

Personal Liability

Personal liability refers to your homeowners insurance protecting you in the event that you, your family member, or your pet causes an accident, injury, or property damage. If the issue requires medical care or repair of property, you’ll typically have coverage up to your liability limits.

How Does it Work?

When you buy a homeowners insurance plan from us, you’re essentially buying a safety net for your home. If one of the above situations occurs and your home is damaged or destroyed, it can cost up to hundreds of thousands of dollars to rebuild and repair. If you don’t have any insurance coverage, all that money has to come out of your pocket, potentially causing you to go into debt. But if you have insurance, you can file an insurance claim to help you pay for the damage and help rebuild your home. The amount of benefits that you’ll receive depend on a few different factors:

Limits: When you choose a policy, you will pick a maximum limit of monetary damage that you wish to be covered.  

Deductible: You’ll also choose a deductible, which is the amount of that you have to pay out of pocket before the insurance coverage kicks in.

Cash or Replacement Value? The last thing that you’ll choose is whether you want to receive coverage for the depreciated cash value or the replacement value of your home and belongings.

Trusted Quincy, IL Homeowners Insurance

Winters Insurance Group is an insurance company that’s been serving the Quincy, IL community since 1921. We represent major insurance companies and offer families and businesses the most competitive rates available in the marketplace. Contact an insurance agent today to learn more about protecting your home.
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