At Scheer’s Insurance Services, we understand the importance of securing your biggest investment—your home. Whether you’re seeking clarity on what homeowners insurance covers, need help understanding the difference between mortgage insurance and homeowners insurance, or want to know does homeowners insurance cover damage to a neighbor's property, we’re here to guide you. With tailored coverage options, responsive service, and policies that protect your home and personal property, we help Illinois families stay protected from the unexpected. Request a home insurance quote today to safeguard your home with confidence.
How Our Services Help
Our standard homeowners insurance options cover property damage, water damage, and theft, with add-ons available for replacement cost, personal liability coverage, and more.
If you’re asking can I file a claim against someone else’s homeowners insurance or how to file a claim against someone else's homeowners insurance, our agents walk you through every step with clarity and care.
We help clients understand what’s included—and what’s not. For example, homeowner’s insurance typically covers all of the following except damage from earthquakes or floods, which require separate policies.
Whether it’s damage to your home or a tree root that caused damage to a neighbor’s property, we answer questions about homeowners insurance and ensure you’re covered properly under Illinois law.
Why Illinois Families Trust Scheer’s Insurance for Home Coverage
Illinois homeowners face a variety of risks—from storm damage and theft to liability claims and natural wear. At Scheer’s Insurance Services, we make it easy to understand your homeowners insurance coverage and adjust your policy based on your property’s needs and your financial goals.
Not sure what type of policy is best? We’ll explain every type of home insurance, help reduce your insurance cost, and tailor protection for your home and personal belongings. You’ll gain clarity on whether your policy includes personal property coverage, how it applies to medical bills or guest injuries, and what happens in case of a total loss that requires repair or rebuilding.
We work with trusted insurance companies to offer flexible policies, fast claims support, and expert answers to all your home coverage questions. No guesswork—just real solutions.
FAQs
What’s typically covered in Illinois homeowners insurance policies?
Most homeowners insurance covers your home structure, personal property coverage, personal liability coverage, and certain medical expenses. Optional riders can enhance protection based on your needs.
Can I file a claim if a neighbor’s tree damages my property?
Yes, depending on the situation. If the tree fell due to negligence, you may be able to file a claim against someone else’s homeowners insurance. Our agents can help determine your best course of action.
What’s excluded from a typical homeowner’s policy?
Common exclusions include flood damage, earthquakes, and poor maintenance. Remember, homeowner’s insurance typically covers all of the following except damage caused by neglect or intentional acts.
Is there a difference between mortgage insurance and homeowners insurance?
Yes. Homeowners insurance protects your house and belongings; mortgage insurance protects the lender if you default on your loan. Both may be required, but they serve different purposes.