Contact Us: ​(219) 980-2886
The Billy Davis Insurance Group
  • Home
  • Quotes
    • Auto Quotes >
      • ATV Insurance Quote
      • Auto Insurance Quote
      • Classic Car Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Final Expense Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Medicare Supplement Quote
    • Other Quotes >
      • Boat & Marine Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat & Marine Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Property >
      • Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Life/Financial >
      • Life Insurance
      • Final Expense Insurance
      • Umbrella Insurance
    • Health >
      • Medicare Supplement Coverage
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
  • About
    • Staff Directory
    • Insurance Carriers
    • Client Testimonials
    • Refer a Friend
    • Agency Photo Gallery
    • Blog
    • News
  • Contact
  • Home
  • Quotes
    • Auto Quotes >
      • ATV Insurance Quote
      • Auto Insurance Quote
      • Classic Car Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Final Expense Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Medicare Supplement Quote
    • Other Quotes >
      • Boat & Marine Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat & Marine Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Property >
      • Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Life/Financial >
      • Life Insurance
      • Final Expense Insurance
      • Umbrella Insurance
    • Health >
      • Medicare Supplement Coverage
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
  • About
    • Staff Directory
    • Insurance Carriers
    • Client Testimonials
    • Refer a Friend
    • Agency Photo Gallery
    • Blog
    • News
  • Contact


Home Insurance

As your largest investment, it is important to make sure your home has the proper insurance coverages. We will protect your home and everything in it for the best price possible.

get a quote
Contact Us

So What’s Home Insurance All About?

Home insurance, sometimes referred to as hazard insurance or homeowner's insurance is a type of property insurance that covers a private residence. 

It is an insurance policy that combines various personal insurance protections, which includes losses that can occur to one's home, its contents, loss of use, or loss of other personal property of the homeowner. It also includes liability insurance for accidents that happen at the home or at the hands of the homeowner.

Here Are Some Typical Home Insurance Coverages


Section I — Property Coverages
  • Coverage A – Dwelling
    Covers the value of the property itself (not including the land). Renter's insurance doesn’t have Coverage A, although it has additional coverages for improvements.
  • Coverage B – Other Structures
    Covers other structure around the property that are not used for business. Examples would be a garage or shed.  It is typically limited at 10% of the Coverage A. So if your home’s coverage A is covered at $100,000, then your coverage B (other structure coverage) would be $10,000. Additional amounts are available by endorsement.
  • Coverage C – Personal Property
    Covers personal property such as furniture, clothes and appliances.  Typically 50 to 70% of coverage A is provided for contents.
  • Coverage D – Loss of Use/Additional Living Expenses
    Covers expenses associated with the loss of use of the property or the need for additional living expenses. An example of this would be if the home became uninhabitable due to a fire, the insured may require temporary lodging at a hotel while repairs are being made.
  • Floods
    Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers.
Section II — Liability Coverages
  • Coverage E – Personal Liability
    Covers damages which the insured is legally liable for and provides a legal defense at the carriers own expense. About a third of the losses for this coverage are from dog bites.

A home is often a persons most valuable asset and therefore should be protected accordingly.  Homeowners insurance has a host of customizable coverage's than can be tailored to fit your situation and we have the expertise to find the right coverage's to assure your most important asset is adequately covered.

Contact us to learn more about Chicago home insurance facts.
(219) 980-2886​
5544 Broadway
Merrillville, IN 46410​
Click Here to Email Us
Home Insurance Quote
Get an Indiana or Chicago homeowners insurance quote today

Licensed in Indiana and Illinois

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login

Connect With Us

Share This Page

​Contact Us

The Billy Davis Insurance Group
5544 Broadway
Merrillville, IN 46410​
(219) 980-2886​​
​Click Here to Email Us

Location

Website by InsuranceSplash