A Best Insurance Store
2448 N Cicero Ave, Chicago, IL 60639
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2448 N Cicero Ave, Chicago, IL 60639
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1024 W Fry St, #102, Chicago, IL 60642
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7030 W Belmont Ave, Chicago, IL 60634
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1034 N Ashland Ave, Chicago, IL 60622
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3457 W Irving Park Rd, Chicago, IL 60618
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330 N. Wabash Ave., Suite 39300, Chicago, IL 60611
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7826 W. Belmont Ave., Chicago, IL 60634
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10100 S Ewing Ave, Chicago, IL 60617
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6023 N Cicero Ave, Chicago, IL 60646
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5411 N Clark St, Chicago, IL 60640
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Learn about insurance coverage options specific to Chicago residents.
Chicago home insurance jumped 46% in 3 years. Learn about ice dam coverage, sidewalk liability, and protecting older brick homes in 2024-2025.
Home InsuranceChicago home insurance costs $2,284-$2,876/year with nearly $1,000 variation by neighborhood. Learn about basement flooding, historic homes, and winter coverage.
Car InsuranceChicago drivers pay $2,421-$2,684/year for car insurance. Learn how your neighborhood, parking, and winter weather impact your rates—and how to save.
General Insurance EducationNavigate Chicago's unique insurance challenges. Learn about auto, home, and business coverage in the city's diverse neighborhoods with expert tips to save.
Car InsuranceChicago car insurance averages $2,532/year in 2024. Learn about theft protection, winter damage coverage, and how to save on your policy.
Renters InsuranceChicago renters insurance costs $12-22/month. Compare coverage for theft, high-rise living & liability. Most landlords require it. Get quotes today.
Chicago homeowners saw rates jump 46% in three years due to severe weather events like tornadoes and winter storms, rising construction costs, and the age of housing stock. Illinois now has the second-highest rate increase in the country. Older homes with outdated systems or hard-to-replace materials cost even more to insure because repairs are more expensive.
Most policies cover sudden, unexpected damage from ice dams, like a collapsed roof or water pouring through your ceiling. However, if the damage resulted from poor maintenance—like clogged gutters or inadequate insulation—your claim may be denied. To protect yourself, keep gutters clear, ensure proper attic insulation, and document any ice dam damage immediately.
Yes, you can be held liable even though Illinois law doesn't require snow removal. The Illinois Snow and Ice Removal Act protects you from naturally occurring snow and ice, but if the condition is unnatural—like poor drainage or debris you left out—you could be sued. Chicago's Municipal Code also requires property owners to keep sidewalks clear, and failing to do so can hurt your legal defense.
Yes, brick homes often qualify for lower premiums because brick is naturally fire-resistant, which reduces risk. However, if your brick home is old and has outdated plumbing, electrical systems, or a worn roof, those factors can increase your cost. Shop around and ask insurers if they offer discounts for brick construction.
Ordinance or law coverage pays to bring your home up to current building codes during repairs after a covered loss. This is critical for older Chicago homes, which often aren't up to code. Without this endorsement, you could be stuck paying thousands out of pocket to upgrade electrical, plumbing, or structural systems during a rebuild.
Absolutely. Chicago's aging infrastructure makes sewer backups and sump pump failures common, especially during heavy rains. Standard policies don't cover this damage, but you can add water backup coverage for around $50 to $100 per year. It's one of the most cost-effective endorsements you can buy.
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