Homeowners Insurance

There is no place like home. It is probably your most valuable and important asset and we want to make sure it’s protected. At CMT Insurance, our experienced agents will offer knowledge you can trust and affordable, dependable home insurance options. A homeowners policy doesn’t just protect your property. It also protects you, your family, your guests and your belongings.

When choosing CMT Insurance to help with your home insurance needs, you are also choosing coverage from one our many trusted providers. Some coverages may be limited or subject to certain restrictions. Therefore, it is important to talk with one of our local agents to ensure it’s the right policy.

Typical coverage packages for Illinois homeowners insurance can include protection for the following:

  • The physical structure of your home
  • Replacement cost
  • Personal possessions
  • Additional living expense (in the event of covered loss or a natural disaster)
  • Personal Liability

You can choose to strengthen your homeowners insurance package with options such as:

  • Valuable Articles/Floater Insurance policies (i.e. Jewelry Insurance)
  • Flood Insurance policies
  • Earthquake insurance policies
  • Umbrella Insurance policies (additional liability)
  • Animal Liability (liability issues due to household pets)

Vacation Homes or Secondary Residence Insurance

CMT Insurance also offers additional protection for your vacation home or secondary residence. Vacation homes are meant to give you a break from reality. Preserve your mental peace by making sure your home away from home is protected. Vacation home insurance can generally offer
protection for:


  • Liability
  • Building and belongings
  • Income (for a rental)

CMT Insurance


  • Monday-Friday:
    8:00 am - 4:00 pm
  • Weekends & Evenings: By Appointment

Locally Owned Since 2000 and Licensed in 13 States.