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Because ZIRKELBACH Insurance is 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.

112 East Main Street

Ridgway IL 62979

Tel: 618-313-7001

Fax: 217-610-8000


Monday - Friday 

8:00 am to 4:00 pm

Evenings by Appointment

If you’re like most homeowners, your home is one of your most valuable assets. As such, you should protect it. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home. 

ZIRKELBACH Insurance can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and competitive pricing. 

Note: if you are looking for homeowners insurance for a rental property, or a home that is un-occupied, you cannot use traditional homeowners insurance. You need a “specialty dwelling” policy, which we can also help you with. 

It’s important to understand that no two homeowners insurance policies are created equal. Different insurance companies offer different levels of coverage, different endorsements and riders, and different conditions and limitations. 

If you’re not using an independent agent like us, it can be hard, if not impossible to tell the difference between two homeowners insurance policies. 

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you. 

Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you.  

Common Homeowners Insurance Coverages 

These are some common coverages you typically see on a policy: 

Dwelling — This is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand. 

We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild. 

Other Structures — This covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage. 

Personal Property — This covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically, anything that would fall out of your house if you turned it upside down and shook out the contents. 

Loss of Use — This covers your living expenses if you need to temporarily live somewhere else because your primary home is uninhabitable due to a loss. 

Medical Expense —This covers medical expenses for guests if they are injured on your property. In certain cases, it covers people who are injured off of your property. It does not cover health care costs for you or other members of your household. 

Family/Personal Liability — Personal Liability Coverage applies if you are to blame for someone’s injuries or property damage. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage. 

Scheduled Personal Property — There are some situations where you might want special coverage for valuables or collectibles like jewelry, guns, rugs, etc.

We have some great benefits and endorsements that can be added to your home insurance policies such as: 
  • decreasing deductible  

  • equipment breakdown 

  • water seepage 

  • buried utility lines 

  • matching roof and siding 

How to get started with your homeowners quote 

Every home is unique, and therefore requires a carefully crafted policy. 

If you’d like us to get the process started, call our office, or click over to our Quote FormWith some basic information about your needs, we can get started on your policy review and comparison! 

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