Cheap Homeowners Insurance Washington Illinois - [Mom Prepared] (2025)

As a wife and mother of four children in Washington, Illinois, I know the importance of protecting our home and family with the right insurance coverage. Living in the Midwest, we are no strangers to natural disasters that can wreak havoc on our homes. From tornadoes to flooding, it’s crucial to have a comprehensive homeowners insurance policy that can provide the necessary coverage in case of an emergency.

One of the most common natural disasters in Illinois is tornadoes. These powerful storms can cause extensive damage to homes, leaving families homeless and in need of financial assistance to rebuild. Having a solid homeowners insurance policy can help cover the costs of repairing or rebuilding your home after a tornado strikes.

Flooding is another potential natural disaster that homeowners in Illinois need to be prepared for. With heavy rainfalls and overflowing rivers, flooding can cause significant damage to your home and belongings. It’s important to have flood insurance as part of your homeowners policy to protect against this type of disaster.

Severe thunderstorms are also a frequent occurrence in Illinois, bringing strong winds, hail, and lightning that can damage your home’s roof, siding, and windows. Having a comprehensive homeowners insurance policy can help cover the costs of repairing any damage caused by these storms.

In addition to these common natural disasters, homeowners in Washington, Illinois, also need to consider the risk of earthquakes and wildfires. While these may not be as common in the Midwest, they are still potential threats that can cause significant damage to your home. It’s important to speak with your insurance agent about adding coverage for these types of disasters to your homeowners policy.

Living with a large family, including children of various ages, also adds to the importance of having the right homeowners insurance coverage. Accidents can happen at any time, and having liability coverage in your policy can protect you in case someone is injured on your property. Additionally, having coverage for personal belongings can help replace items that are damaged or stolen, providing peace of mind for you and your family.

When it comes to homeowners insurance, there are some key factors that are often overlooked but are crucial to consider. Here are eight sometimes forgotten issues to keep in mind when choosing a homeowners insurance policy:

1. Replacement cost coverage: Make sure your policy includes replacement cost coverage for your home and belongings. This will ensure that you receive enough money to replace items at their current market value, rather than their depreciated value.

2. Additional living expenses: In the event that your home is uninhabitable due to a covered loss, make sure your policy includes coverage for additional living expenses. This can help cover the cost of temporary housing, food, and other necessities while your home is being repaired or rebuilt.

3. Sewer backup coverage: Many homeowners insurance policies do not automatically include coverage for sewer backups, which can cause extensive damage to your home. Be sure to add this coverage to protect against this potential disaster.

4. Ordinance or law coverage: If your home is damaged and needs to be rebuilt, it’s important to have coverage for any additional costs that may arise due to building codes or zoning laws. Ordinance or law coverage can help cover these extra expenses.

5. Earthquake coverage: While earthquakes may not be a common occurrence in Illinois, they can still happen. Consider adding earthquake coverage to your homeowners insurance policy to protect against this type of natural disaster.

6. Home business coverage: If you run a home-based business, make sure your homeowners insurance policy includes coverage for your business equipment, inventory, and liability. This can help protect your business assets in case of a loss.

7. Jewelry and other high-value items: If you own expensive jewelry, artwork, or other high-value items, consider adding a scheduled personal property endorsement to your homeowners insurance policy. This can provide additional coverage for these items beyond the standard limits of your policy.

8. Umbrella liability insurance: In addition to your homeowners insurance policy, consider adding umbrella liability insurance for extra protection against lawsuits and liability claims. This can provide higher limits of coverage in case you are sued for damages or injuries.