Feldman Financial Services
1020 Milwaukee Avenue, Suite 322, Deerfield, IL 60015
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Deerfield households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1020 Milwaukee Avenue, Suite 322, Deerfield, IL 60015
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1020 N Milwaukee Ave, Suite 135, Deerfield, IL 60015
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570 Lake Cook Rd, Suite 300, #1012, Deerfield, IL 60015
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1020 N Milwaukee Ave, Ste 245, Deerfield, IL 60015
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Learn about insurance coverage options specific to Deerfield residents.
Complete guide to insurance in Deerfield, Illinois. Average auto rates, home coverage costs, IL requirements, and 4 local North Shore agents.
Home InsuranceDeerfield home insurance averages $3K-$6K annually for high-value properties. Get coverage tips, flood protection info, and rate insights for 2026.
Car InsuranceDeerfield auto insurance averages $909/year. Understand Illinois's at-fault system, 25/50/20 minimums, and how to get adequate coverage for less.
Illinois requires liability coverage of 25/50/20, meaning $25,000 per person for bodily injury, $50,000 per accident, and $20,000 for property damage. You also need uninsured motorist coverage at the same 25/50 limits. However, most financial advisors recommend higher limits (100/300/100 or more) since medical bills and vehicle repairs can easily exceed minimum coverage, leaving you personally liable for the difference.
Deerfield homeowners typically pay between $783 and $1,082 annually for home insurance—about $65 to $90 per month. This is actually lower than many North Shore suburbs despite Deerfield's high property values. Your actual cost depends on your home's age, size, construction type, replacement cost, and the coverage limits and deductibles you choose.
Illinois home insurance premiums jumped 50% between 2021 and 2024, driven by inflation, rising construction costs, more severe weather events, and increased repair expenses. State Farm alone raised rates by 27.2% in 2024. The statewide trend affects Deerfield residents, making it crucial to review your coverage annually and shop around to ensure you're getting competitive rates.
If you have significant assets to protect, yes. Deerfield's median household income is $189,705, and homes are valuable. An umbrella policy adds $1-2 million in liability coverage beyond your auto and home policies for just $150-300 per year. If someone sues you after an accident or injury on your property and your standard policy limits are exceeded, umbrella coverage protects your savings, investments, and future earnings.
Standard policies may not fully cover Lake County-specific risks. Consider adding water backup coverage for sewer and drain backups, which aren't included in standard policies. Review your wind and hail deductible—it's often separate and set at 1-2% of your dwelling coverage. Also ensure your dwelling coverage reflects current replacement costs, as construction costs have risen significantly in recent years.
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