Auto and Homeowners Insurance
Auto and Homeowners Insurance Quote Forms
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Auto and Homeowners Insurance Information
Home & Auto Insurance in Westmont IL & Hinsdale IL
Among the most important personal assets that you need to insure are your house and your car. They both cost money; they both could sustain damage from a lot of hazards. Customized homeowners & auto insurance will be a rod of support for you should you ever encounter costly or devastating losses.
It’s very easy to buy auto & homeowners insurance, especially when you take advantage of bundling options. Auto & Home insurance bundles offer you convenient policy services, cohesive benefits and affordability not available when you buy coverage piecemeal.
For help getting the right coverage, all you need to do is call TW Group, Inc. at (630) 737-0300 to speak to a representative. Or, click below to request your policy quote now:
The Benefits of Insurance Bundles
The insurance specialists at TW Group, Inc. understand the value of affordable insurance. After all, you shouldn’t burden yourself with excess costs while trying to protect yourself. That’s why we encourage all drivers to consider bundling their home and auto policies through one of our trusted carriers.
Bundling never short-changes you for coverage. Instead, it makes it easier to manage your policy because you only have to pay one combined premium to one insurer. Plus, with the benefits of our bundles, you’ll receive policy discounts, combined deductibles, annual policy terms, easy claims services, On Your Side® insurance protectionand more.
Common Homeowners & Auto Insurance Questions
What car insurance do I need in Illinois?
Car insurance helps drivers pay for the costs that might arise after wrecks, vehicle theft or other costly hazards. With the assistance provided by your policy, you can avoid paying for many of these losses out of your own pocket.There are many types of coverage offered by the standard auto, including:
Medical Payments Coverage
Uninsured Motorist Coverage
Underinsured Motorist Coverage
Liability coverage is standard to every policy, and your agent can help you add additional benefits seamlessly into your plan. With our help, you can decide on the coverage limits, deductibles and policy endorsements that are most appropriate for you and your vehicle.
Does Illinois require car insurance?
Illinois is an at-fault insurance state, meaning that drivers who cause accidents must pay for the costs of both their own repairs and those of others. To ensure you meet this obligation, state law requires all auto policies issued to Illinois driversto contain the following minimum coverage limits:
$25,000 bodily injury liability coverage per person
$50,000 bodily injury liability coverage per accident
The $25,000 bodily injury liability limit applies if only one third party gets hurt in an at-fault wreck, while the $50,000 limit applies if there is more than one injured party. Property damage coverage pays for the third party's property damage.Drivers have the option to increase their liability coverage to provide more expansive protection as needed.
What coverage should I buy for my home?
You buy homeowners insurance to protect your property and family from the liabilities and property damage risks that might arise inside your home. To achieve optimal protection, you will need to include several types of coverage on your policy:
Additionally, you can tailor your policy to include expanded coverage for collectibles, pet liabilities, identity theftand other specialty protection.
Does Illinois require homeowners insurance?
Illinois does not require homeowners insurance. However, the state does allow mortgage lenders to require clients to buy coverage. If you finance your home, you will likely have to buy dwelling insurance worth at least the home’s replacement cost value. We can help you determine this value.
What are the costs of my policies?
Various risk factors can influence the cost of your homeowners or auto policy. On average, car insurance costs about $1,100 per year, while homeowners policies cost an average of $1,400 per year. Various risk factors can influence the costs of your requisite policies, including the coverage limits you choose.
However, you can usually qualify for multiple discounts on each type of policy, which can make your coverage substantially more affordable. Additionally, by investing in a policy bundle, you’ll be able to lock in much more affordable savings.