Auto & Home Insurance in Oakwood Hills, IL

Getting insurance policies for your home and vehicle is essential to safeguard your finances. At Smith & Associates Inc, our team is dedicated to helping you find the right auto and home insurance solutions that align with your circumstances.

What Does an Auto Policy Cover?

Auto insurance can serve as your financial protection in case of unexpected events on the road. In Illinois, drivers are required to carry minimum amounts of liability coverage for third-party bodily injuries and property damage, but many choose to add extra protection for greater security.

Common coverage options include:

• Collision coverage can help pay for your vehicle’s repair costs after a collision, regardless of fault.
• Comprehensive coverage can cover damage caused by non-collision events like theft, vandalism, or weather damage.
• Uninsured/underinsured motorist coverage can cover your losses if an at-fault driver who lacks sufficient liability coverage hits your vehicle.
• Medical payments (MedPay) coverage can help with your and your passengers’ medical expenses if you are involved in an accident, regardless of fault.

Home Insurance Solutions for Illinois Residents

Your home is one of your most valuable assets. Homeowners insurance can help reduce the financial impact of covered risks that may affect your home. Typical policies include:

• Dwelling coverage can cover damage to your home’s physical structure.
• Other structures coverage can help pay for the repair of detached structures like garages and sheds.
• Personal property coverage can cover your appliances, clothes, electronics and furniture if damaged by a covered peril.
• Liability coverage can help with related expenses if someone is injured on your property or if you cause damage to someone else’s property.
• Loss of use coverage can cover additional living expenses if you need to temporarily relocate due to a covered loss.

Why Choose Smith & Associates Inc?

Our team is committed to providing personalized service and clear guidance throughout the insurance process. Whether you’re insuring a new vehicle, purchasing your first home, or reviewing your current policies, we’re here to help you get sufficient coverage at competitive prices. Contact us today to receive a quote or learn more about our services.