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Illinois ho-6 insurance
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Illinois HO6 Insurance

Illinois HO6 policy is designed for condo owners in the state of Illinois. The Illinois HO6 condominium insurance that standard insurance companies such as Mercury, State Farm Bureau and AAA in cities such as Chicago, Springfield, Carol Stream or Bloomington, will cover losses to any of your personal items and any structure you own. This policy also covers damages to any fixtures that have been upgraded since the home was purchased. Due to the recent housing crisis, many lenders and mortgage companies in the Springfield and Rockford regions are requiring proof of insurance for condos.

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What Does HO6 Insurance Cover in Illinois?

A standard condominium insurance policy in Illinois whether you live in Chicago, Springfield or Peoria will cover most damages to your IL condo and your personal belongings from perils such as explosion, lightning damage from falling objects, trucks or vehicles.

What is One Benefit of Having Illinois Condo Insurance?

Damage to your unit not compensated because of the master policy deductible.

Buying Illinois Condo Insurance

Master Policy - Living in Illinois as part of an association, the association should have a master insurance policy to see what they cover so that you don't pay for coverage that is already covered.

Deductibles - This is the out of pocket amount that you will need to pay for each claim before the insurance policy kicks in. Additionally, there will be a deductible in the master policy in the event that there is an insurance claim under the master policy. Each member of the condo association will need to contribute their portion if there is some sort of disaster.

HO6 Condo Insurance Required in Most Areas Throughout Illinois

Due to the housing crisis, mortgage companies are requiring HO6 insurance policies for any new condo purchases in the state of Illinois.

Where is HO6 Condo Insurance in Illinois?

The state of Illinois now requires condo insurance everywhere you live:
  • Chicago, IL
  • Springfield, IL
  • Peoria, IL
  • Rockford, IL
  • Schaumburg, IL
  • Bloomington, IL
  • Carol Stream, IL
  • East Saint Louis, IL
  • Hoffman Estates, IL
  • Oak Lawn, IL
  • Palatine, IL
  • Bedford Park, IL
  • Belleville, IL
  • Champaign, IL
  • Decatur, IL
  • Evanston, IL
  • Joliet, IL
  • Naperville, IL
  • Aurora, IL
  • Des Plaines, IL
  • Harwood Heights, IL
  • Hinsdale, IL
  • Lincolnwood, IL
  • Long Grove, IL
  • Loves Park, IL