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Home Insurance

Midwestern home
Chicago Property Protection

Chicago's Comprehensive Home Insurance

Standard, Renters, Condo, Landlord, & Umbrella Coverage tailored for the Windy City.

Navigating Chicago's Policy Requierments

Local Risk Expertise

Chicago presents unique challenges—from harsh winter storms and lake-effect weather to urban density risks. Your home is likely your largest investment, and MC Chicago Insurance understands these neighborhood-specific risks.

We compare top-rated carriers to ensure your coverage keeps pace with property values.

Coverage Portfolio

  • Standard Homeowners (HO-3 & HO-5)
  • Renters Insurance
  • Condo Insurance (HO-6)
  • Landlord & Rental Property
  • Flood Insurance
  • Personal Umbrella Liability
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Standard Homeowners (HO-3)

Policy Coverage

Standard insurance covers dwelling, personal property, and liability against fire, wind, hail, and theft. The HO-3 protects against all perils except exclusions.

Chicago Cost Factors

Premiums reflect crime rates, proximity to fire stations, home age, and roof condition. Lake-adjacent homes often see higher rates due to wind/water exposure.

Smart Savings

Bundle policies, raise deductibles, or update utilities to save. As an independent agency, we shop 20+ carriers to optimize your rate.

Renters Insurance

chicago building

Protection for Tenants

Your landlord's insurance covers the building, not your things. From Lincoln Park to Logan Square, renters insurance is the only way to protect your electronics, furniture, and wardrobe.

Personal Property
Coverage for fire, theft, and water damage.
Liability
Protection if a guest is injured in your unit.
Loss of Use
Pays for housing if your apartment is damaged.
Affordable
Policies often cost less than $20/month.

Condo Insurance (HO-6)

Master Policy vs. Walls-In

Your association's master policy covers the exterior. Your interior—"walls-in"—requires an individual HO-6 policy. We help you bridge the gap between association coverage and your personal risk.

Key Coverages

  • Interior Dwelling: Cabinetry, flooring, and fixtures.
  • Personal Property: Furniture, electronics, and valuables.
  • Loss Assessment: If the HOA levies a special assessment for damage.
  • Medical Payments: Coverage for minor guest injuries, regardless of fault.

High-Rise vs. Low-Rise

High-Rise: Often have comprehensive master policies but require higher "Loss Assessment" limits due to shared elevators and complex mechanicals.

Low-Rise / Vintage: May have "bare walls" master policies, requiring you to insure more of the structure. Ground-floor units face higher flood/sewer backup risks.

Landlord Insurance

Coverage Essentials

  • Dwelling Protection
  • Tenant Injury Liability
  • Loss of Rental Income
  • Vandalism coverage

Property Types

Multi-Unit (2-4 Flats): Specialized coverage for common areas and multiple tenant risks.

Single-Family: Simpler, but standard HO-3 policies void coverage if tenant-occupied.

Flood Insurance

Chicago's Water Risk

Standard policies exclude flood damage. Risks include lake surges, sewer backups, and heavy rainfall overwhelming city drains. We help you secure protection via the NFIP or private markets.

Sewer Backup Basement Flooding Foundation Seepage

Preparedness Checklist

  • Install sump pump with battery backup
  • Install backwater valves
  • Store valuables on shelves
  • Clear floor drains regularly

Umbrella Insurance

Extra Liability

Coverage starting at $1M beyond your standard home/auto limits.

How It Works

It kicks in when underlying policy limits are exhausted by a lawsuit.

Who Needs It?

Owners with assets, pools, dogs, or teen drivers should have it.

Common Questions

Standard insurance covers your dwelling, personal property, and liability against fire, wind, hail, theft, and vandalism. We review policies to spot gaps.

Yes, standard policies exclude flood. With lake proximity and sewer risks, separate flood coverage via NFIP or private carriers is highly recommended.

HO-3 covers the dwelling against all perils (except exclusions) but personal property only for named perils. HO-5 offers "open perils" for both, providing broader protection.

No, sewer and drain backup is typically excluded from standard policies. In Chicago, where aging infrastructure and heavy rains cause frequent basement flooding, we strongly recommend adding a sewer backup endorsement to your policy.

Your dwelling coverage should equal the cost to rebuild your home (not market value). Personal property coverage should reflect the value of your belongings. We conduct annual reviews to ensure your limits keep pace with rising construction costs in the Chicago area.

Most policies include liability coverage for dog bites, but some carriers exclude certain breeds or dogs with bite history. We help you find carriers that cover your pets and recommend umbrella policies for additional protection if you own larger breeds.

Standard homeowners policies typically exclude short-term rental activity. You'll need either a short-term rental endorsement or a separate landlord policy to maintain coverage while hosting guests. We can help you find carriers that support home-sharing in Chicago.

Bundle home and auto policies, raise your deductible, install security systems, update electrical and plumbing, and maintain a claims-free history. As an independent agency, we shop 20+ carriers to find the best rates for your specific situation.

The master policy typically covers the building's exterior and common areas, but not your interior finishes, personal belongings, or liability. You need an HO-6 policy to protect everything from the walls in. We review your association's master policy to identify coverage gaps.

Your policy's "Loss of Use" or "Additional Living Expenses" coverage pays for temporary housing, meals, and other costs while your home is being repaired. In Chicago, where repairs can be delayed by weather or contractor availability, adequate limits are essential.

Secure Your Chicago Property

We compare rates from 20+ A-rated carriers to find your best value.

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