Windy City Legal Blog

Generally, homeowner's insurance refers to coverage of the real estate and the personal property at the home in case of damage from various occurrences and perils.  Some amount of insurance is needed if one is not readily and comfortably able to pay cash to rebuild the dwelling and replace the personal property in the event of a disaster.  Consider that personal property also may include furnishings, fixtures, appliances, flooring, window and wall treatments, and the like, which, though easy ...