Dwelling Coverage
Protects the physical structure of your home, including walls, roof, floors, and built-in appliances. Coverage limits should match your home's full replacement cost — not market value.
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- Licensed in Illinois, Indiana & Wisconsin
- Same-day quotes available
- No obligation — ever
Based in Hawthorn Woods, IL — Serving Lake County, Long Grove, Barrington, Vernon Hills & nationwide
What Homeowners Insurance Covers
A quality homeowners policy protects far more than just your house. Here's what a properly structured policy should include:
Personal Property
Covers your belongings — furniture, electronics, clothing, and more — if damaged, destroyed, or stolen. Most policies cover 50-70% of your dwelling limit.
Liability Protection
Protects you financially if someone is injured on your property or if you accidentally damage someone else's property. We recommend $500,000+ in liability limits.
Loss of Use
Pays for temporary living expenses if your home becomes uninhabitable after a covered loss, including hotel stays, restaurant meals, and storage costs.
Other Structures
Covers detached structures like garages, sheds, fences, and pool houses. Typically 10% of your dwelling coverage.
Medical Payments
Pays medical bills for guests injured on your property, regardless of fault. Typically $1,000 to $5,000 in coverage.
Why Choose Geneva for Home Insurance
We Shop 25+ Carriers
Unlike captive agents, we compare homeowners insurance rates across multiple top-rated carriers including Safeco, Progressive, Foremost, Mercury, and more to find you the best combination of coverage and price.
Replacement Cost Accuracy
Most homeowners are underinsured because their dwelling coverage hasn't kept up with construction costs. We audit your replacement cost annually.
Local Expertise
As Lake County, IL specialists, we understand regional risks — from Chicago-area weather patterns to local building codes and construction costs.
Claims Advocacy
When you need to file a claim, we're in your corner. We coordinate with adjusters and push back when settlement offers fall short.
Frequently asked questions
How much homeowners insurance do I need?
Your dwelling coverage should reflect the full cost to rebuild your home from the ground up — not your purchase price or market value. We use current construction cost data for your area to ensure your limits are accurate.
What doesn't a standard homeowners policy cover?
Standard policies typically exclude flood, earthquake, sewer and drain backup, mold (beyond limited amounts), and wear-and-tear. Many also cap payouts for jewelry, electronics, and other high-value items.
How much can I save by comparing quotes?
Most homeowners save between $300 and $1,200 per year when they switch to a better-priced carrier. Even with the same coverage, rates vary significantly between insurers.
Can I bundle home and auto insurance?
Yes — bundling often saves 10-20% on both policies. We can show you side-by-side comparisons to see if bundling makes sense for your situation.