There are many aspects to homeowner insurance in Illinois and as discussed above, many variables to consider. Finding out exactly what does homeowners insurance cover in Illinois, depends on the individual policy offered by different carriers. In general, a homeowners insurance policy would cover aspects of the dwelling itself, its fixtures, plumbing, electrical, and structures attached to the main building. There may be aspects in a policy for other structures such as storage sheds, garages, detached cottages, and fences. A policy might cover loss of use if there is damage to the main living areas and you and your family have out-of-pocket expenses to live elsewhere while the residence is being repaired. A policy may incorporate a degree of your personal property to include furniture, appliances, clothing, electronics, and some policies may cover these types of items even if they are not on the insured premises. There may be options to ensure you are financially protected with liability insurance which would ensure you have personal liability insurance to help protect you in the event of an accident that results in bodily injury or property damage. Each homeowners insurance policy has variations of what is covered along with different options when it comes to the causes of the damage, for example even the most basic policy will cover fire but almost all policies will not cover flooding, so you may need extra coverage for flood damage.