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250 Parkway Drive Ste 150
Lincolnshire, IL 60069

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Arial Insurance Group Blog

How Can Home Insurance Protect My Neighborhood?

When you think of home insurance in Chicago, IL, it likely seems like a personal matter. You purchase a home insurance policy that goes toward your property. Everyone else in the neighborhood does the same, making it an individual choice. Yet, what you do can affect your larger community, and choosing a better home insurance policy can change things for the better. Arial Insurance Group is here to explain. 

Eyes on the Prize 

How you take care of your home makes a difference to everyone. When you take pride in your property, it’s not just the neighbors that notice. A broken window or fallen down porch can signal the wrong people that no one is paying attention to the block. It can give them the idea that it’s easy to infiltrate the homes there. Home insurance helps you make the necessary repairs, so there’s less chance of people making the wrong assumptions. 

Property Values 

The more everyone pitches in to take care of their property in Chicago, IL, the better the property values will be for all. This is financial protection that can help everyone feel more secure in their investment. You clearly can’t control how other people take care of their home, but leading by example is a good way to influence those who might be tempted toward neglect. Again, home insurance is often the measure through which people wind up keeping their property in better shape. 

Arial Insurance Group is here to help everyone in the city, not just our customers. We don’t want to see any blocks start to lose their luster. If you have questions about how we can help you, contact us to inquire about our policies and values. We also can help you with your insurance needs in Arkansas.

Main reasons to get home insurance

Just like any other valuable asset, it’s quite common to have home insurance if you are outside of a mortgage. It is about protecting your investment and your family in a variety of ways.

Your Legal Requirement

It’s quite common that mortgage lenders will require you to have a minimum amount of homeowners insurance as a part of the deal. Since they see your property as an investment, they don’t want it lost in a fire or other covered disaster.

It may also be the case that the lender will purchase home insurance and charge the borrower. Ideally, you should purchase home insurance on your own because the pricing may not be in your favor. When you get a mortgage within Chicago, IL, consider consulting with Arial Insurance Group to see if you can outmatch what the lender had in mind.

Covered in more ways than you thought

A typical policy will cover more than just your actual structure. Here are just a few examples:

  • Additional structures: sheds or other detached objects could be included.
  • Liability: If other people’s property is damaged or someone is injured while on your property, this can help cover your legal battle down the road.
  • Medical bills if your guests are injured.
  • Living expenses if you have to relocate from a severely damaged home.
  • Covered theft or destruction of valuable personal objects.

With all these in mind, there are limits and deductibles within any policy. Be sure to research the actual cost of your possessions and structures when considering coverage limits. 

What happens to your property is still in your hands, and if something terrible happens, home insurance is a means to mitigate how it affects your life. If you’re looking for a good deal and are located within the Chicago, IL area, be sure to check out what Arial Insurance Group has to offer.

Partner Carriers

  • Aegis
  • American Modern
  • American Strategic Insurance(ASI)
  • Assurant Flood Solutions
  • Berkshire Hathaway Guard
  • Capital Premium Financing
  • Cigna
  • Dovetail
  • Foremost
  • Grange
  • Hagerty
  • Humana
  • Kansas City Life Insurance Company
  • Met Life and Health
  • National General
  • Nationwide
  • Old American Life
  • Openly
  • Progressive
  • RLI Surety
  • State Auto
  • Stillwater
  • Travelers
  • United Healthcare