Illinois Products

Personal Lines

H06

This product has been specifically designed to protect condo unit owners from a number of listed perils. With minimum coverage starting at $150,000 and no max limit on coverage A we are able to place many of your insureds needs.

DP1

This program is made for the one to four family dwellings in protection classes 1-10. They can be owner-occupied, seasonal or tenant occupied. Values range from $15,000-$125,000 and there is no age requirement. Other coverages available include Personal Property, Other Structure, Personal Liability and Medical. ACV coverage.

Manufactured Home

Our manufactured home program allows occupancy by owner, seasonal, or rental. We are able to accept all protection classes 1-10 with no age requirement. Maximum coverage of manufactured homes is $70,000 with a TIV of $125,000. Up to $100,000 liability on owner, seasonal.

Rental/Short Term Rental

This Tenant occupied program can provide ACV or Replacement Cost coverage depending upon the risk. Protection class 1-10 is acceptable with values starting at $5,000 and up, there is no age limit to qualify. You can choose from 3, 6, and 12 month policies. You may purchase up to $1,000,000 in liability coverage within this program. Vacation Rentals also available!

H04

Our Renters Insurance program offers many coverages including personal property insurance, personal liability, loss of use, and more. Renters need look no further for their insurance needs, as we are able to offer flexible deductibles based on the coverage risks.

DP3

This DP3 program is made for the one to four family dwellings in protection classes 1-10. They can be owner-occupied, seasonal or tenant occupied. Values range from $5,000-$5,000,000 and there is no age requirement. Other coverages available include Personal Property, Other Structure, Loss of Use, Personal Liability and Medical. Replacement Cost coverage.

Vacant

Our Vacant program can provide ACV or Replacement Cost coverage depending upon the risk. Protection class 1-10 is acceptable with values ranging from $5,000-$1,000,000 and there is no age limit to qualify. You can choose from 3, 6, and 12 month policies. If the risk qualifies it has the ability to convert to a Rental policy with no additional policy fee. You may purchase up to $1,000,000 in liability coverage within this program.

Builder's Risk

One of the great things about our Builder Risk program is that we can pick up at any point in the build. Also you have the option of converting this policy from Builder Risk to Vacant with no additional policy fee. Three, six, and twelve month policies are available with values available from $5,000- $1,000,000. Protection classes 1-10.

Vacant Renovation

The vacant renovation program can provide ACV or Replacement Cost coverage depending upon the risk. Protection class 1-10 is acceptable with values ranging from $5,000-$1,000,000 and there is no age limit to qualify. You can choose from 3, 6, and 12 month policies. If the risk qualifies it has the ability to convert to a Vacant or Rental policy with no additional policy fee. You may purchase up to $1,000,000 in liability coverage within this program.

Occupied Renovation

This program is made for properties that are being renovated while they are occupied. Values range from $5,000-$200,000 and there is no age requirement. Protection classes 1-10 are acceptable.

Umbrella

We offer three products with this umbrella program- Primary Umbrella, Excess Umbrella, and Target Umbrella. Limits are $1Million up to $10 Million (in $1M increments). We also have an identity theft option up to $25,000 with no deductible.

Personal Liability

We offer three products Primary Comprehensive Personal Liability (CPL), Excess CPL, and Farmers CPL. Limits are $100k, $300K, $500K, and $1M. We also have an identity theft option up to $25,000 with no deductible.

 

Commercial Products

Vacant

Our Vacant Commercial program can provide ACV or Replacement Cost coverage depending upon the risk. Values ranging from $10,000-$5,000,000 and you can choose from 3, 6, and 12 month policies. You may purchase up to $1,000,000 in liability coverage within this program.

Renovation

The vacant renovation program can provide ACV or Replacement Cost coverage depending upon the risk. Values can range from $5,000-$5,000,000. You can choose from 3, 6, and 12 month policies. If the risk qualifies it has the ability to convert to a Vacant or Rental policy with no additional policy fee. You may purchase up to $1,000,000 in liability coverage within this program.

Builder's Risk

One of the great things about our Builder Risk program is that we can pick up at any point in the build. Also you have the option of converting this policy from Builder Risk to Vacant with no additional policy fee. Three, six, and twelve month policies are available with values available from $10,000- $5,000,000. Protection classes 1-10.