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Looking for cheap Illinois homeowners insurance? Here's how to get it. Illinois Homeowners Insurance Illinois homeowners insurance protects what is probably your most valuable asset - your home. In addition to protecting your home, it also protects your personal possessions and protects you from personal liability lawsuits. Here's what Illinois homeowners insurance covers: Home Structure Illinois homeowners insurance pays to repair or rebuild your home if it's damaged by fire, smoke, burst water pipes, vandalism, theft, or acts of nature. Standard policies do not cover damages from earthquakes or flooding. To estimate how much home structure coverage you need, find out the square-foot building costs in your area from a local realtor or builder, then multiply that figure by your home's square footage. Personal Possessions Illinois homeowners insurance pays to repair or replace your personal possessions - clothing, furniture, appliances, electronics, tools, sports equipment, etc - if they're damaged by fire, smoke, burst water pipes, vandalism, theft, or acts of nature. Standard policies do not cover expensive items like jewelry, furs, or silver, so you may need to get additional coverage for these items. Additional Living Expenses Illinois homeowners insurance pays for your temporary living expenses when your home is damaged by fire, smoke, burst pipes, vandalism, or acts or nature. This coverage pays for your hotel and restaurant bills, plus other necessary expenses while your home is being repaired or rebuilt. Cheap Illinois Homeowners Insurance The first thing you need to do to get cheap Illinois insurance is to compare rates from different companies. There are websites where you can get quotes from a number of A-rated companies in a matter of minutes. Some of these sites even have an insurance expert on hand so you can get answers to all your insurance questions (See link below.) After you find the best insurance rate, find out about all the discounts the insurance company offers and take advantage of them. Discounts add up and can drastically reduce your homeowners insurance premium. Another way to save money on your homeowners insurance is to raise your deductible to the highest amount you can afford. Raising it from $250 to $1,000 can save you up to 25% on your insurance premium. Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get cheap Illinois homeowners insurance rates from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on Illinois homeowners insurance.
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