Boat & Watercraft in Illinois
Hull, liability, and wreck-removal coverage. Homeowners policies cover only small craft, and only barely.
What is different in Illinois
Illinois requires uninsured motorist coverage to be carried. Southern Illinois falls inside the New Madrid seismic zone, where earthquake is a genuine and separately written exposure. In the Chicago metro, water and sewer backup is the highest-frequency homeowners claim and the sublimit is almost always too low as issued.
Exposures that shape pricing here
- tornado
- hail
- flood
- winter storm
- earthquake
Boat & Watercraft reading
- Buying guides
How to choose an insurance agent
Anyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.
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Homeowners insurance explained: the six parts of the policy
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Flood insurance explained
A separate policy for the peril your home policy excludes. What it covers, what it does not, and the waiting period that catches people out.