Homeowners insurance Illinois and Wisconsin

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Protect Your Home and Possessions

Coverage for the Place You Call Home

Your home is likely your biggest investment. Maple Leaf Insurance Agency helps homeowners in Illinois and Wisconsin protect against fire, theft, hail, wind, and winter freeze. From Rochelle and Rockford to Chicago suburbs and across Madison and Milwaukee, we explain what is covered, what is not, and how to set limits that fit. Flood is not part of a standard policy. If you need separate flood coverage for low-lying spots near rivers or lakes, we can help you explore options.

What Home Insurance Covers

Understand the Parts of Your Policy

  • Dwelling coverage pays to repair or rebuild the house itself after a covered loss. 
  • Personal property covers furniture, electronics, and clothing at home or sometimes while you travel.
  • Liability protection helps if someone is hurt on your property or you cause damage away from home.
  • Additional living expenses helps with hotel and meals if repairs make your home unlivable.
  • Other structures covers detached garages, sheds, or fences.
  • Optional endorsements can fill gaps, like sewer backup, service line, equipment breakdown, or valuable items coverage for jewelry and collections. Ask about personal articles if you have higher value items.
Discounts for Homeowners

Ways to save without cutting protection

Many carriers offer savings for alarm systems, sump pump with backup, smoke detectors, and claim free history. You can often save more when you bundle with auto insurance. We will show you the numbers so the choice is easy.

Why Insure Your Home with Maple Leaf

Local Insight and Steady Support

We know Northern Illinois and Wisconsin weather. Spring storms sweep across the Rock River Valley. Winter freeze hits hard along I-39 and I-90. Maple Leaf Insurance Agency reviews replacement cost so your dwelling limit keeps pace with construction prices. We help set deductibles that fit your budget. If a claim happens, you call us first. We guide next steps and help you work with the carrier from start to finish. Ask about umbrella insurance when you want higher liability limits for extra peace of mind.

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Home Insurance FAQs

Straight Answers to Common Questions

  • Is homeowners insurance required in Illinois?

    Not by state law if you own the home, but most lenders require it. Even without a mortgage, it protects your savings and future plans.

  • How much coverage do I need?

    Aim for the cost to rebuild your home, not the market price. We help estimate materials, labor, and code upgrades.

  • Are floods or earthquakes covered?

    Standard home insurance does not include flood and usually not earthquake coverage. We can quote separate policies if needed.

  • Can I save by bundling home and auto?

    Yes. Bundling with your auto can lower both premiums and keep renewals simple.