At Scheer’s Insurance Services, we’re proud to help Morris homeowners protect what matters most. From understanding standard homeowners insurance to navigating what’s the difference between mortgage insurance and homeowners insurance, we offer clear, personalized support every step of the way. Whether you’re asking does homeowners insurance cover tree root damage to neighbor’s property or need help with a home insurance quote, we’re here to ensure your home—and everything in it—is secure.
How Our Services Help
Our coverage options protect your home from property damage, storms, theft, and even water damage—helping you repair or rebuild with minimal out-of-pocket cost.
We explain what homeowners insurance covers—and what it doesn’t. For example, homeowner’s insurance covers all of the following except routine maintenance and flood damage.
Unsure does my homeowners insurance cover damage to neighbor’s property? Our agents help you understand liability limits and how claims against someone else’s homeowners insurance work.
We tailor your type of home insurance to match your property and risks—whether it’s a historic Morris home, new construction, or rental property—at competitive insurance costs.
Local Expertise That Morris Homeowners Trust
Scheer’s Insurance Services has deep roots in Morris and surrounding areas. That means we understand your neighborhood, your risks, and your values.
We offer more than just policies—we provide answers to your questions about homeowners insurance and help you safeguard your home and personal property coverage with confidence.
Our licensed agents compare rates from multiple
insurance companies to find you the right protection, and we walk you through everything—from coverage selection to how to
file a claim against someone else’s homeowners insurance. With Scheer’s, you’ll never have to navigate insurance alone.
FAQs
What does home insurance typically include in Morris?
Homeowners insurance covers your home’s structure, home and personal belongings, and liability for injuries or damage to others. You can also add riders for higher-value items.
Can I file a claim if someone else damages my property?
Yes, you can file a claim against someone else’s homeowners insurance if their actions or property caused the damage. We help guide that process.
What’s excluded from most policies?
Homeowner’s insurance typically covers all of the following except flood damage, poor maintenance, and pests. We can help you add protection for excluded risks.
How is mortgage insurance different from homeowners insurance?
Mortgage insurance protects the lender if you default on your loan, while homeowners insurance protects your home and personal liability.