Auto Insurance AUTO

Preferred Automobile  Liability Only  SR22  Non Owner

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Homeowners Insurance HOME

Preferred Home Owner,  Condo  Dwelling Fire  Renter

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Motorcycle Insurance MOTORCYCLE

Motorcycle Liability, Physical Replacement & Guest Rider

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Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

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Trucking Insurance TRUCKING

Commercial Auto Liability, Physical Damage,  Cargo,  Trailer Interchange 

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Workers Compensation WORKERS COMP

No Payroll policies to $1,000,000 Payroll  Save up to 60% on Workmen Comp 

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Renters Insurance


Renters Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Renters Insurance Information

With renters insurance, you will be able to replace what is damaged or stolen.

Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.

However, renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.

If you are forced out of your home because of a disaster your additional living expenses will be covered.

Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company.

Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.

Decide How Much Insurance You Need.

Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.

If you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.

Thank you for your interest in Elgin South Insurance. We work to find you the best policy to fit your needs and budget. Please feel free to call us with any questions at 847-429-1111 or email us and an insurance agent will reply promptly.

Insuring:  Hampshire, St. Charles, Algonquin and Chicago, Illinois

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