Homeowners Insurance That Works for Southern Illinois Families
Your home is more than just four walls—it's where life unfolds, memories are made, and your most valued belongings are kept safe. For homeowners in Marion, Carterville, Herrin, and communities throughout Southern Illinois, the right insurance plan means confidence and peace of mind. We guide you through options that protect your house, attached structures like garages or decks, your personal belongings, and liability risks. Whether you're insuring a new purchase or reviewing a longtime policy, we'll explain your coverage clearly and make sure you're not left with gaps.
What Does Home Insurance Cover?
Home insurance typically covers the structure of your home, detached buildings, your belongings, and personal liability if someone gets hurt on your property. In the event of fire, storms, vandalism, or other covered incidents, your policy helps with repairs, replacements, or temporary housing. We break down the details of replacement cost vs. actual cash value, deductibles, and common exclusions—so you fully understand your protection. Our team also helps you evaluate add-ons like water backup coverage or higher limits for jewelry and valuables.
How We Help You Choose the Right Policy
We take the time to understand your home, your goals, and your budget. Then we help you find a policy that fits — and explain it in plain English.
Our Process
Understand Your Property
We ask the right questions about your home's age, value, and structure to make sure your coverage is accurate.
Compare Your Options
As an independent agency, we quote multiple carriers to find the best coverage for your price point.
Break Down the Details
We'll explain what's covered and what's not — including deductibles, exclusions, and extra coverage choices.
Home Insurance FAQs
Does home insurance cover floods or earthquakes?
What's the difference between replacement cost and actual cash value?
Are detached garages included?
Replacement cost pays to rebuild or replace your home or belongings without deducting for depreciation. Actual cash value factors in depreciation, which means you'll get less back.
Will my policy cover my detached garage or shed?
Yes. You can schedule items like jewelry, art, and collectibles.
Do I need to update my policy after a remodel?
Yes. Always let us know when you update your home.