At Scheer’s Insurance Services, we know that your home in Joliet is more than just a structure—it’s where your life happens. Whether you're researching what homeowners insurance covers, asking can I file a claim against someone else's homeowners insurance, or looking for affordable coverage options, our team delivers expert guidance and trustworthy protection. From everyday risks to unexpected incidents like tree root damage to a neighbor’s property, we help Joliet homeowners understand what their policy includes—and what it doesn’t. Get your home insurance quote and take the next step toward complete peace of mind.
How Our Services Help
We build policies around your specific home, with standard homeowners insurance coverage for property damage, water damage, and liability, plus options like replacement cost and personal property coverage.
Not sure does my homeowners insurance cover damage to neighbor's property? Or wondering how to file a claim against someone else's homeowners insurance? We provide clear answers and personal guidance.
Avoid surprises—homeowner's insurance typically covers all of the following except flooding or pest damage. We’ll help you fill those gaps with supplemental policies.
We work with leading insurance companies to deliver competitive rates, helping you control your insurance cost while protecting your home and belongings.
Why Joliet Homeowners Choose Scheer’s Insurance
Our local roots mean we understand the challenges Joliet homeowners face—from aging infrastructure to Midwest weather extremes. That’s why Scheer’s Insurance Services offers straightforward support and proactive solutions.
We answer your questions about homeowners insurance, explain how to protect your home from damage to your home or neighbor’s property, and customize your policy to fit your budget and lifestyle.
Whether you’re comparing
types of coverages, navigating confusing terms like
mortgage insurance vs homeowners insurance, or filing your first claim, we make the process simple. From personal belongings to structural coverage, we help ensure you’re truly protected.
FAQs
What types of damage are covered by homeowners insurance in Joliet?
Typical coverage includes damage to your home caused by fire, wind, theft, or certain types of water damage. Additional riders can expand your protection.
Can I file a claim if someone else’s property caused damage to mine?
Yes, in many cases you can file a claim against someone else’s homeowners insurance. We’ll help you determine when and how to pursue it.
What’s not included in my home insurance policy?
While homeowners insurance covers many types of risks, it typically excludes flood damage, termite infestations, and certain liability issues.
How can I keep my insurance costs down?
Bundling home and auto, installing home safety features, and choosing the right deductible all help reduce your insurance cost without sacrificing coverage.