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Insurance for your home, vacation house or condo.

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Know that your home is safe.

Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands that simple fact. Allegiance can help you find the homeowner’s insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Explore more about Homeowner's Insurance by reading about the various kinds of coverage below.

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Home Insurance

What is home insurance?

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

What kinds are there?

Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

How much does it cost? That depends on...

What you select

Oftentimes homeowners insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy.

How much you want to cover

Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.

Where you set your limits

You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.

Worried about your coverage? Expand it with umbrella insurance.

What kinds of coverage are available?

COVERAGE FOR

Your Home

Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

COVERAGE FOR

You and Others

Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.

COVERAGE FOR

Medical Costs

This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property.

COVERAGE FOR

Other Living Expenses

If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt.

COVERAGE FOR

Your Belongings

Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

COVERAGE FOR

Specific Items

If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items. Explore Personal Item Insurance.

What if I rent out my home?

Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information.

Every home is
unique.

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

Talk with us or request a quote today to make sure that your home is protected no matter what comes.

Allegiance Insurance Services, your one-stop insurance shop in Burr Ridge, Illinois