Frequently Asked Questions
Honest answers for Chicago drivers, homeowners, and business owners from your local independent insurance experts.
Auto Insurance & SR-22
Coverage for Chicago's unique driving challenges
Chicago rates are higher than the Illinois average due to several factors:
- Population density leads to higher accident frequency
- Vehicle theft and vandalism rates are significantly elevated
- Uninsured drivers (approximately 15%) drive up Uninsured Motorist coverage costs for everyone
Tip: As an independent agency, we compare rates across 20+ carriers to find you the best price for your specific situation.
This creates a dangerous coverage gap: if you have the app on but haven't accepted a ride yet, Uber/Lyft provides very limited liability and zero coverage for your car.
Solution: We can add a Rideshare Endorsement to your policy to close this gap for just pennies a day.
Only if you have Comprehensive Coverage. If you carry "Liability Only," theft is not covered.
We often recommend adding Comprehensive coverage even on older vehicles specifically to protect against this theft risk, which is particularly prevalent in Chicago.
If you move to another state, you must typically file an Affidavit of Out-of-State Resident (Form DSD FR 9) with the Illinois Secretary of State to waive the requirement.
Warning: If you do not file this waiver, Illinois may suspend your license.
Yes! A Non-Owner SR-22 Policy is the standard solution.
- Provides liability coverage when you drive a borrowed vehicle
- Satisfies the state's requirement for license reinstatement
- Significantly cheaper than a standard car insurance policy
Call us at (224) 616-9430 for a quick Non-Owner SR-22 quote.
Home & Property Insurance
Protection tailored for Chicago homes
Many Chicago homes are connected to the city water main by old lead or clay pipes. If this pipe breaks or collapses on your property, the city is not responsible—you are.
Service Line Coverage is an inexpensive endorsement that covers this repair—a smart investment for any Chicago property owner.
It depends on the source of the water. Standard home policies have important exclusions:
Water Backup Coverage
Pays if sewers back up into your drains (common in Chicago). Must be added as an endorsement.
Flood Insurance
Separate policy required for water entering from outside (rivers, streets). Not included in standard policies.
We can review your policy and recommend the right water damage protections for your property.
It can be challenging with standard carriers. Many are hesitant to insure flat roofs (common on Chicago bungalows and two-flats) due to:
- Risk of water pooling
- Snow weight concerns during Chicago winters
Most HOA policies cover the building structure but stop at the drywall. You are responsible for everything inside the paint:
Solution: An HO-6 Condo Unit Owner policy covers these expensive items and your personal liability.
Business Insurance & General
Essential coverage for Illinois businesses
If you have even one employee (even part-time or a family member), you must carry Workers Compensation insurance. Only sole proprietors with no employees are exempt.
Don't risk it—let us help you find affordable Workers Comp coverage for your business.
We know contractors and businesses need COIs to get paid or start jobs—delays cost you money.
Once you are an MC Chicago client, we prioritize getting your certificates issued quickly so you can get back to work.
As an independent agency, we are paid by the insurance carriers. You pay the same premium whether you buy directly from the carrier or through us.
What You Get at No Extra Cost:
- A dedicated local agent who knows your policies
- Claims assistance and advocacy
- Annual policy reviews to ensure proper coverage
- Fast document delivery when you need it
Still Have Questions?
Our Chicago-based team is ready to help you find the right coverage at the right price.
3945 W Devon Ave, Chicago, IL 60659