Homeowners

Property Insurance > Homeowners

What is covered?

A Homeowner’s policy covers more than just your home. Selecting the right coverage levels for personal property, outbuildings, medical payments, liability, and more, ensures you’re adequately covered in the event of a serious weather event or other major loss.

Some coverages get overlooked.

It’s not uncommon for certain coverages to be overlooked in a homeowners policy. We do our best to educate you on all that is available and make recommendations based on your unique situation. For example, jewelry, fine arts, firearms, sports equipment, silverware, and other collectibles have policy limits. At Eckburg, we help you itemize these valuables to ensure you have coverage above and beyond the built-in policy limit.

If you’re worried about a wet basement, remember that water is excluded on every home policy. Considering a Water Backup and Sump Pump Failure coverage provide you with options in case of unexpected water damage.

Not-so-fun fact: In the Stateline area, severe storms are common. If a tornado destroys 60% of your home and the other 40% remained unharmed, some communities will require you to bulldoze your entire home. Without Building Ordinance Coverage, your insurance company may not pay to replace the “good” portion of your dwelling, leaving you responsible for the remaining 40% of the bulldozed portion out-of-pocket! This can also apply to roofing materials after a hailstorm, wiring changes after a lightning strike, and copper plumbing after a burst pipe.

Request a quote today

Don’t get caught off guard. If you’re ready to protect your most important asset, let us give you a home insurance quote. Request a quote

  • You guys have always been there for us.

    Steve S., customer since 2003

  • Ken C., customer since 2012

    We've known Jeff for many years and have sought his advice when we needed it. He has always been there for us.

    Ken C., customer since 2012

    Ken C., customer since 2012
  • Eckburg always returns calls, helps find the best comprehensive insurance for our house and cars at the best price. They always make us feel like we’re important where no question is too silly to ask. We would highly recommend this agency!

    David M., customer since 2013

  • We were looking to get our rates re-quoted during our recent home purchase. Carla has always been a great help and her response was polite, super efficient, and timely. We couldn’t ask for more. Thank you for your outstanding attention to our needs! Purchasing a home can be extremely stressful and this was one less thing we had to worry about!

    Customer since 2003

  • Always there when we need you.

    Lori W., customer since 2017

  • I think the Eckburg group has worked very hard for us to give us the very best insurance for the best price. When ever I have had a question they have responded efficiently and effectively. That is what I think most people are looking for in an insurance agent.

    Dennis E., customer since 2011

  • Matt Weber is very knowledgeable and courteous. Originally I was only calling for a quote but Matt went above and beyond what a regular sales agent would do, in turn making me feel comfortable and secure with the policy sold to me. Thanks again — I will be renewing and recommending friends and family.

    Customer since 2017

  • Any time I have had a question or claim, it is handled quickly and efficiently. There is no waiting on hold, I always get through to a friendly voice quickly. If I had to sum it up, nothing is ever a hassle and that’s what I appreciate most!

    Christopher U., customer since 2003

  • Best prices always. Friendly, personable staff. Fast and very easy to work with. A simple phone call and you and your staff takes care of everything.

    James S., customer since 2003

  • Wanda is amazing. She always takes care of my never-ending policy changes. I actually look forward to dealing with insurance because she's so friendly and helpful.

    Nicholas W., customer since 2007

  • Tyler was very patient with us being a grassroots nonprofit organization. We have so much to learn and he is very knowledgeable. Tyler took the time to explain things. We feel like we are in good hands now and as we move towards the future.

    Kevin W., customer since 2017

  • Your agency is great. For Rockford auto and home insurance, you have cheap rates, and great service. I had Nationwide before and I’m so glad I switched. I did a lot of research and everyone who bragged about your agency was right on the money. I thought Geico or Progressive would be cheaper but they weren’t. I’m thankful that I listened to my family and friends’ advice. Great work guys! Keep up the good work.

    Kimberly H., customer since 2013

  • You guys helped us get more coverage while saving money!

    Jonte G., customer since 2017

  • I just want to thank you for your service and insight. It is reassuring to know I can always pick up the phone and get great advice and guidance on all my insurance needs.

    Thomas B., customer since 2017

  • You saved me a great deal of money on my home insurance by switching carriers. I had been paying too much for many years on previous policy. What a relief to lessen costs. I appreciated the special attention to my specific needs. I feel I am in good hands.

    Customer since 2006

  • You are always right there to help when I need you. Your response time is great and you always have the right answers when I need them. You are great at getting things I need for my customers and our company. All of the people I work with are great. Thank you so much for your support.

    Judy R., customer since 2010

  • We recently hit a deer and our claim was taken care of promptly and painless, very happy.

    -Douglas S., customer since 2015

  • When it came time to renew our homeowners insurance policy last year (2016) your agent assisted us in finding a more affordable policy with Auto-Owners Insurance Co. Not only was the policy more affordable, it included better coverage. It's that kind of service that shows that your company really cares about your customers.

    Customer since 2003

  • I recently changed to a new insurance company after 19 years with the previous agency. I chose Eckburg. Very prompt and professional throughout the process.

    Jeffrey F., customer since 2018

  • Good service from caring people.

    Bruce B., customer since 2015

  • Everyone at Eckburg is always so helpful when I need them. They go above and beyond to ensure in customer service. I have recommended them to several friends and family since we started our policies.

    David, customer since 2016

  • The immediate replies to both email and phone inquiries makes us feel like VIP customers. There are no hiccups or errors and we feel protected in all aspects of our life. We will never leave Eckburg.

    Customer since 2014

  • Over the last 20+ years as clients of Eckburg Insurance Agency we have had excellent services above and beyond the call of duty with Jeff and his staff. They take great pride in their customer service and have been very quick to respond to our needs over the years.

    Howard H., customer since 1993

  • Our agent, Julie, was responsive and detailed in our switch-over from another agency. She sat down with us and asked the right questions and explained everything in detail. I would definitely recommend her and the agency.

    -Carl F., customer since 2017

  • Great Service with the ability to handle out of state coverage and always a pleasure to work with.

    Scott E., customer since 2003