Home Insurance

Indiana, Kentucky and Illinois Home insurance policies vary widely.

You have to ask yourself…

What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?

Using an independent agent offers you more choices. We can offer many home insurance carriers to meet your specific needs and tailor a policy to fit those needs without charging you for coverage you don’t need.

What is Home Insurance?

Home insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.

Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others. For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

You could also potentially need insurance to protect you from having to pay for:

  • Storm damage, fire, windstorm, lightning, and hail
  • Replacement cost for personal property
  • Flood damage
  • Manufactured home coverage
  • Trampoline or swimming pool liability insurance
  • Wind damage
  • Sinkholes
  • Sewer or septic backups
  • Dog bite liability
  • Umbrella liability insurance

When you see an independent insurance agent like us you have the chance to explore all your options for insurance, and protect the things that are most important to you.

Did you know...

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:

  • Most policies will not cover sewer backup, unless you purchase a special endorsement
  • Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
  • A standard homeowners policy typically does not include Flood Insurance
  • A standard homeowners policy only covers jewelry, up to set limits if the loss resulted from one of the perils named on the policy
  • Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
  • IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.

How much homeowner insurance should you have?

  • The cost to rebuild your home
  • The cost to replace your personal possessions
  • The additional living costs if you need to live elsewhere during repairs
  • The cost to defend a lawsuit if someone files suit

Why Double Eagle Insurance is Different

We focus on the coverage right for you. While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your personal policy.

Contact us today, and we'll help you protect what matters most.