The top-rated condo insurance agent in Waukegan, Illinois is Manuel Torres - State Farm Insurance Agent, rated 4.9 stars across 695 reviews. Other highly rated options include Tim Vinson - State Farm Insurance Agent, Farmers Insurance - Daniel Cahue, Maylen Torres - State Farm Insurance Agent. This directory lists 20 condo insurance agents serving Waukegan.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Manuel Torres - State Farm Insurance Agent | 1520 Washington St | (847) 782-1475 |
| 2 | Tim Vinson - State Farm Insurance Agent | 2730 Grand Ave | (847) 263-6996 |
| 3 | Farmers Insurance - Daniel Cahue | 102 S Genesee St | (224) 637-3448 |
| 4 | Maylen Torres - State Farm Insurance Agent | 318 S Green Bay Rd | (773) 637-2100 |
| 5 | Silvia V Chacon Agency Inc American Family Insurance | 2009 N Green Bay Rd | (847) 775-1818 |
| 6 | Farmers Insurance - Adrian Rivas Salgado | 927 W Glen Flora Ave | (847) 672-9710 |
| 7 | Seguros Tepeyac | Tepeyac Insurance Agency | 1820 Washington St | (847) 599-8700 |
| 8 | Nauta Insurance Agency Inc | 2111 Washington St | (847) 662-8750 |
| 9 | Alicia Rodriguez American Family Insurance | 700 S Lewis Ave Ste 250 | (847) 244-8870 |
| 10 | Need Insurance Plus More | 229 S Green Bay Rd | (847) 599-1530 |
Manuel Torres - State Farm Insurance Agent in Waukegan, IL serves homeowners and condo owners who need tailored coverage for their individual units and shared building structures. This agency helps clients understand the specific protections required for condominium ownership, including personal liability and interior property coverage. Policies are designed to fill gaps left by a condo association’s master plan. The agency also assists property managers seeking comprehensive insurance solutions. In addition to serving Waukegan, the agency covers the neighboring community of North Chicago and surrounding areas in Lake County.
Tim Vinson - State Farm Insurance Agent in Waukegan, IL offers condo insurance policies that protect personal property and provide liability coverage for unit owners. Service plans include reviewing individual policy details to help ensure adequate protection for shared building structures and individual interiors. Regular policy maintenance involves updating coverage after renovations or changes in personal assets. The agency serves properties such as single-family homes, apartments, retail spaces, and restaurants.
Farmers Insurance - Daniel Cahue in Waukegan, IL addresses both one-time policy evaluations and recurring service for existing clients. Condo insurance coverage typically protects personal property, interior structures, and liability within the unit. Policies also often cover loss of use and medical payments to others on the premises. This agency works with clients to align coverage with their individual association requirements. Service for this local office generally operates on a scheduled basis for renewals and as needed for new inquiries or adjustments.
Serving Waukegan and the surrounding Lake County communities, Maylen Torres - State Farm Insurance Agent handles property protection for condominium owners. It advises clients on coverage options that address interior structures and personal belongings not covered by a master policy. Assisting homeowners with policy selection and claims support, the agent prepares quotes and reviews building association regulations to identify gaps. The typical approach involves a thorough consultation to match dwelling limits with individual unit risks, ensuring appropriate liability and loss assessment protection.
Silvia V Chacon Agency Inc American Family Insurance offers specialized condo insurance guidance, helping owners secure tailored policies. It serves clients throughout Waukegan, focusing on general coverage for shared structures, personal liability, and interior protections. The agency works with individual owners to understand typical policy nuances in the area, including master policy alignment. It also helps address seasonal concerns common to the region, particularly ensuring adequate coverage for winter-related water damage from frozen pipes or roof leaks.
Farmers Insurance - Adrian Rivas Salgado in Waukegan, IL helps residents protect condominium units from common perils like fire, theft, and liability claims. This agency also specializes in arranging loss assessment coverage, which guards owners against unexpected building-wide repair costs not covered by the HOA master policy. Local office buildings, small warehouses, and food service establishments can secure tailored protection for their specific needs from this experienced insurance provider.
As winter thaws and spring storms approach Waukegan, many condo owners begin reviewing their building's policies for gaps in coverage. Seguros Tepeyac | Tepeyac Insurance Agency helps owners understand how their individual policies interact with the master association plan, particularly regarding interior damages from leaks or hail. The agency guides clients through common unit-owner risks such as appliance overflow or fire damage. To start developing a proper coverage strategy, an agent will schedule an initial assessment of the unit's finishes, fixtures, and any recent upgrades to ensure nothing is overlooked.
Nauta Insurance Agency Inc in Waukegan, IL provides residential condo insurance for property owners seeking coverage for their units and shared building structures. The agency also handles commercial insurance policies for local businesses needing liability or property protection within the greater Lake County area. An agent works with clients to review specific building regulations and personal liability limits. They follow up after coverage is placed to address any mid-term adjustments and ensure ongoing service needs are met between regular renewal visits.
Need Insurance Plus More serves property owners in Waukegan, Illinois, by providing standard coverage for common perils along with specialized endorsements for loss assessments and policy deductibles. As a condo insurance agent, the company helps unit owners protect personal belongings and interior fixtures not covered by the master policy. The office can assist clients operating small commercial sectors, including offices, warehouses, and food service establishments, ensuring proper liability and property protection for their businesses.
What Does a a Condo Insurance Agent in Waukegan Cost?
The cost of a condo insurance policy in Illinois typically ranges from 200 to 600 dollars per year for a standard HO-6 policy. Factors that affect the price include the unit location in Waukegan the amount of personal property coverage and the deductible you choose. Higher risk areas such as those near Lake Michigan may result in higher premiums. This is general information and not insurance advice.
About condo insurance agents in Waukegan
Condo insurance agents in Waukegan Illinois help unit owners understand their coverage needs. Illinois law requires condo associations to carry a master policy but that policy does not cover your personal belongings or interior improvements. An agent can explain how an HO-6 policy fills the gap between the master policy and your personal property.
Frequently Asked Questions
What does a condo insurance agent in Waukegan do?
A condo insurance agent helps you select an HO-6 policy that covers your personal property liability and interior fixtures. They also review your associations master policy to identify gaps in coverage. Agents in Waukegan are licensed in Illinois and follow state insurance regulations.
Is condo insurance required by Illinois law?
Illinois law does not require individual unit owners to carry condo insurance. However most mortgage lenders will require an HO-6 policy as a condition of the loan. Your condo associations bylaws may also require you to carry liability coverage.
How does the Illinois Condominium Property Act affect my insurance?
The Illinois Condominium Property Act requires associations to maintain a master property insurance policy covering common areas and the buildings structure. Unit owners are responsible for insuring their own personal property and any improvements made to the unit. An agent can help you understand your responsibility under the Act.
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