Illinois Insurance Lawyers

What is homeowner's insurance?
Homeowner’s insurance policies cover damages to or destruction of your home and possessions that result from fire, theft, or other types of disasters. The insurance proceeds will help … more
Am I required to have homeowner's insurance?
Maybe. The law of the state in which you live determines whether you are required to maintain homeowner’s insurance for your home. However, if you have a mortgage loan secured by … more
Will homeowner's insurance cover all of my personal property?
No. There are some types of personal property, such as antiques, expensive jewelry, and coin collections, which your insurance policy might not cover, or might only partially cover. In … more

What are 'Acts of God' clauses in insurance policies?
Traditionally, homeowner’s insurance policies have contained an exclusion clause for damages caused by “acts of God”, a catch-all term that covers any sort of act of nature that cannot be controlled, like earthquakes or hurricanes. “Acts of God” also typically include damages as a result of war, i.e. a nuclear war. In recent years, however, there has … more
How Your Car Insurance Premiums are Determined
State laws require drivers of motor vehicles to maintain certain levels of car insurance in order to legally operate a motor vehicle. Car insurance premiums can vary widely, even within the same geographic area and it may seem like insurance companies are arbitrarily assigning rates to customers. However, the calculation of car insurance premiums may not be as mysterious as it seems … more