(708) 328-5150
Be At Home with Your Home Owners or Renters Insurance
At the Tom Iaquinta Insurance Agency, our team understands what it takes to make a house your home. That's why we work with the Nation's leading insurance carriers to help you find the best insurance to protect your house, your possessions, and safeguard you and your family from the liabilities associated with being a homeowner.
Protection with Peace of Mind
The single largest investment most individuals or families make is typically the purchase of a house or a condo. A homeowners insurance policy combines multiple types of insurance into a single packaged policy. Typical coverage includes:
Dwelling Coverage - Coverage for the structure of your home.
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Fire/smoke
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Hail
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Windstorms
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Explosion
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Lightning Strikes
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Vandalism
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Theft
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Damage caused by the weight of snow, sleet or ice
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Falling Objects
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Damage from Aircraft
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Damage from Motor Vehicle
Additional coverages are available, but not included in most homeowners policies such as: water backup coverage, floods, earthquakes, and sewer backups.
Liability Protection - Coverage if someone sues or files a claim against you after being injured on your property or if you damage someone else's property.
Personal Property - Coverage for your belongings inside your home.
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Actual Cash Value covers the cost of replacing your belongings, taking into consideration the amount the items have depreciated in value over time.
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Replacement Cost covers the purchase amount of new items of the same kind and quality at the time of the claim.
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Scheduled Personal Property Coverage can be added to cover high-value items such as jewelry.
Medical Protection - Coverage for medical expenses for someone who's accidentally injured on your property.
