Protecting Homeowners in Belleville and Swansea, IL
Home insurance is a collective form of asset and liability protection and it’s comprehensive if it’s done right. Home insurance protects structures, property, and living expenses, and it protects against a host of liabilities. This form of insurance can be combined with other forms of insurance and be can tailored meet the needs of individual policyholders. In fact, it SHOULD be tailored to the needs of policyholders; so much so that no gap in coverage exists. At Steck-Cooper & Co. we have an expansive home insurance program through which we deliver broad and flexible home insurance packages that are completely customized to the needs of individual clients.
Specialized coverages that Meet Your Needs
Determining the right coverages for any homeowners policy starts with a detailed assessment of a policyholder’s situation and needs. At Steck-Cooper we ask a series of pointed questions of each client that reveal proper replacement costs, high-value-item needs, and policy-combination needs. For example, we often recommend earthquake, mine subsidence, and flood insurance policies to homeowners insurance policyholders because of answers we get to specific questions about neighborhoods and structures. In many Counties in Illinois, mine subsidence is required unless an insured party signs a waiver. We ask about clients’ willingness to sign this waiver and the answers we get inform our coverage-selection suggestions.
Our assessments of clients’ situations, needs, and goals often reveal gaps in clients’ information about homeowners insurance. Typically, clients do not know the costs of rebuilding a home, the difference between replacement costs and market costs, or what property items are covered under general structure coverage. As a result, we often bring our clients to a firmer understanding of homeowners insurance and what this type of insurance entails. This understanding makes coverage selection more detailed and much more fruitful.
The coverage options from which you can select include:
- Property Insurance
- Homeowners Liability
- Renters Insurance
- Condo Insurance
- Mobile Home Insurance
- Scheduled Property Insurance
- Landlords Insurance
- In-Home Business Insurance
- Vacant properties
- Mine Subsidence
- Water & Sewer Back-up
- Collectibles insurance
- Personal Jewelry
- Gun & Concealed Carry Liability
As a client of ours, you are able to take advantage of benefits and discounts that help increase limits, reduce costs, and alter deductibles, among other things. These discounts and benefits include:
- Multi-policy discount
- New home discount
- Claims free discount
- Life insurance discount
- Married discount
- Good credit score discount
As firm believers in thoroughness and attention to detail, we help clients fully understand coverage limits and options and through conversational and collective interactions we enable clients to select the right coverages. This is one element of our services of which we’re very proud and that makes our products more effective.
Working with Steck-Cooper to Find the Right Solution
Homeowners insurance is easy to tailor to individual clients, although the ease with which it is tailored depends on the readiness of a client to embrace new information and set limits, rates, and deductibles that fit best. Of course, we adapt to any client need and if such a need is financial, and this need dictates that coverages are not at recommended levels, we embrace this. We give clients the best solutions possible no matter what. The only thing that we never do is embrace a ‘one-size-fits-all’ attitude towards policy development.
We’ve insured homeowners in Southwest Illinois for decades, so we know the needs of homeowners in this area and we understand local markets. Our knowledge and experience enable us to deliver the right solutions and to deliver these solutions quickly and efficiently. We’ll be happy to deliver your solution in a form true to our methods and professional history.
Steck-Cooper & Co. is proud to provide home insurance in Belleville, Swansea, O’Fallon, Fairview Heights, Shiloh, and Alton, IL. We also serve other areas in the state and we serve Missouri and other states as well.