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IL Estate Planning Blog

Tuesday, February 27, 2018

5 Reasons for a Home Insurance Checkup

Have you made changes to your home that might affect your insurance needs?

Home insurance is most effective when the policy accurately reflects the property it's meant to protect.  You can maintain proper coverage by alerting your agent when you do any of the following:

Add a structure to your property or update part of your home.  Building a new garage, porch or shed will increase the value of your home, as will replacing major items such as the roof or heating and cooling system.

Start a home business. A typical homeowners policy does not offer enough coverage for business equipment.  You may also need coverage for liability and lost income.  Your agent can advise you on the best way to insure your business.

Change the occupancy of your home.  Leaving your house vacant or renting it out may violate the terms of your insurance policy.  Details of any change in occupancy should be reviewed with an agent to ensure proper coverage.

Acquire certain types of valuables. Jewelry, fine art and other high-cost items may not be fully insured by a homeowners policy and may require special coverage to insure their total value.

Get a high-risk pet. Some kinds of breeds of pets are considered higher risk than others.  An agent can advise you on coverage for these situations.


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With two offices in Oak Lawn and Oak Brook, Stephen M. Sutera assists clients throughout Cook County, DuPage County and Will County IL including Chicago, Hometown, Barrington, Burbank, Burr Ridge, Chicago Ridge, Darien, Downers Grove, Evergreen Park, Geneva, Worth, Bridgeview, Palos Park, Palos Hills, Palos Heights, Hickory Hills, Midlothian, Willow Springs, Oak Forest, Orland Park, La Grange, Brookfield, Berwyn, Tinley Park, Hinsdale, Villa Park, Clarendon Hills, Westchester, Westmont, Lombard, Elmhurst, Western Springs, Berkeley, Downers Grove, Fox Valley, Glen Ellyn, Willowbrook, Aurora, Addison, Lisle, Forest Park, Bensenville, Wheaton, River Forest, Itasca, Shorewood, Frankfort, Mokena, Naperville, Crest Hill, Homer Glen, New Lenox, Bollingbrook, Schaumburg, Channahon and Woodridge.



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