Home Insurance in Illinois
At Hollinger Insurance Services, we help Illinois homeowners find the right coverage at the right price. As an independent agency, we compare rates from Chubb, Travelers, Openly, West Bend, Liberty Mutual, and other carriers — so you get the best combination of coverage and value, not just whatever one company is offering.
Right-Sized Coverage for Your Home
A homeowners policy from a captive agent covers the basics — but underinsured homes leave owners with large out-of-pocket costs after a loss. We review your home's actual replacement cost and make sure your dwelling limit is accurate, not just what the market says it's worth.
Why Choose Hollinger Insurance Services?
We're not locked into one company. We compare multiple carriers to get you the best combination of price and coverage. Most clients save 10–20% by bundling home and auto with the same carrier. When disaster strikes, we help you navigate the claims process and advocate with your carrier to ensure a fair settlement.
What About Flooding and Other Special Risks?
Standard homeowners policies do not cover flooding. If you're in or near a flood zone, we can help you get flood insurance through the NFIP or private carriers. We also review your policy for other coverage gaps — water backup, valuables, and extended replacement cost — that many standard policies miss.
What's Typically Covered
- ✓Dwelling (structure of your home)
- ✓Other structures (garage, fence, shed)
- ✓Personal property / contents
- ✓Loss of use (additional living expenses)
- ✓Personal liability protection
- ✓Medical payments to others
- ✓Water backup & sump pump failure
- ✓Jewelry, art & valuables riders
- ✓Identity theft coverage
- ✓Extended replacement cost
Frequently Asked Questions
How much home insurance do I need?
Your dwelling coverage should reflect the cost to rebuild your home from the ground up — not its market value. We calculate this based on your home's square footage, construction type, and local labor costs.
Does home insurance cover flooding?
Standard homeowners policies do not cover flooding. Flood insurance is a separate policy available through the National Flood Insurance Program (NFIP) or private carriers. We can help you get the right coverage.
My mortgage company requires home insurance — what do I need?
Lenders require that your dwelling coverage be at least equal to the loan balance, and they must be listed as a loss payee. We handle this paperwork and send proof of insurance directly to your lender.
Connect with Hollinger Insurance Services
Share your current policy or home details and we'll find you better coverage — often at a lower price.