What’s Actually Covered in a Standard Homeowners Policy (and What’s Not)

If you’re a homeowner in Frankfort, Tinley Park, or anywhere in the south Chicagoland area, you know your home is more than just four walls—it’s your sanctuary. At Edward Wilkins Insurance, we’re passionate about protecting what matters most. But misconceptions swirl around homeowners insurance coverage, leaving many families exposed. Let’s pull back the curtain on what your standard policy truly covers—and what’s left out.

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✔️ What Does a Standard Homeowners Policy Cover?

• Dwelling Coverage – Repairs or rebuilds your home if it’s damaged by covered perils like fire, windstorms, or vandalism.
• Other Structures – Covers fences, garages, sheds, and detached buildings on your property.
• Personal Property – Protects your belongings (furniture, electronics, clothing) from theft or certain types of damage.
• Liability Protection – Shields you if someone gets hurt on your property or you’re held responsible for damage to others.
• Loss of Use (Additional Living Expenses) – Pays for hotel stays or rentals if your home is uninhabitable due to a covered claim.

Think of your policy as a financial safety net for common risks—but not all risks are included.

🚫 What’s NOT Typically Covered?

• Flood Damage – Standard policies never cover water damage from natural flooding. Separate flood insurance is essential—especially in Illinois’ unpredictable weather!
• Earthquakes – Most policies exclude quake damage, but dedicated coverage is available.
• Routine Wear & Tear – Repairs due to aging or neglect are homeowner responsibilities.
• Intentional Damage – Losses that result from intentional acts (even by household members) are not covered.
• High-Value Items – Jewelry, art, collectibles may have limited coverage without special endorsements.

Why Coverage Gaps Happen – And How We Solve Them with Smart Technology

Most homeowners discover limitations only after disaster strikes. That’s why our agency combines the human touch with digital intelligence to simplify your insurance review:

• AI-driven checkups catch missing coverages and recommend tailor-fit endorsements.
• Personal consultations ensure you’re not buying “too much” or “too little”—just the right protection for your life.

Our mission: To make insurance clear, dependable, and proactive. That means preventing gaps—before they become costly claims.

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The Next Step: Is Your Home Fully Protected?

Few families know exactly what their homeowners insurance covers. Our local team can help you:

• Identify hidden risks (like sewer backup, foundation cracks, or tree liability)
• Bundle home, auto, or umbrella coverage for extra savings
• Make smart upgrades for the best value

Edward Wilkins Insurance: Local roots. Trusted advice. Technology-driven clarity.
Frankfort, IL | Serving Tinley Park, Orland Park, Mokena, New Lenox