Find Home Insurance from The Horton Group | Orland Park
Horton Group is an award-winning home insurance broker with multiple office locations in Illinois, Indiana, Michigan, Minnesota, and Wisconsin. As part of their personal insurance portfolio, they provide a range of insurance policies that take care of your health, your assets, and your financial wellbeing.
With an intuitive online platform, clients can manage and issue certificates of insurance, pay bills online via credit card or e-checks, and set-up recurring payments. It’s easy for clients to access the services they need, as and when they’re required.
Home Insurance from the Horton Group
A person’s home is typically one of the biggest and most important investments any individual will make. Naturally, offering highly competitive prices are a huge reason why people buy home insurance from Horton. But our range of personal insurance coverage, combined with our approach to helping clients grow, by lowering costs and increasing value.
It doesn’t matter whether you are a first-time homeowner or a long-time property owner with multiple homes; the Horton Group offer tailored home insurance that is designed around your individual needs.
Choose Horton Group for your Home Insurance
When you choose a company to insure your home, you want to work with a business that has a proven reputation for delivering outstanding client services and claim support. Horton Group delivers this and more.
What are the different types of homeowner insurance?
There are many types of homeowner insurance. In the U.S., there is a standardized range of levels that are known as HO-1 through HO8. Each of these levels provides different layers of protection depending on the type of property and the individual needs of the homeowner.
The three main levels of home insurance include actual cash value, replacement cost, and guaranteed replacement cost/value.
Actual cash value
This gives you coverage for the cost of your home, along with the value of your belongings after you deduct depreciation. Essentially, this is how much your items are worth, rather than how much you paid for them.
Replacement cost
This gives you coverage for the actual cash value of your home along with your possessions, without any deductions for depreciation. This means you can rebuild or repair your property up to its original value.
Guaranteed replacement cost/value
This is the most comprehensive coverage of all; this type of home insurance policy will pay out whatever it costs to rebuild or repair your property, even if this amount if more than the limits of your policy. Some of our insurers will offer extended replacement coverage, which means it offers extra coverage, but with a limit that is typically between 20-25% higher than the original coverage limitations.
When you choose Horton Group for your home insurance, you will get a personalized service and tailored coverage that meets your individual needs. Aside from getting protection for the physical structure of your property, you will also get vital protection from liability, coverage for the cost of any additional living expenses, and a set limit to cover the costs of any personal possessions.
Aside from this, you can also buy extra coverage, from jewelry insurance to excess liability. Other types of property insurance are also available for condo owners, vacation and season home insurance, and renters insurance.
Our insurers also provide discounts on home insurance for new homes, alarm systems, home/auto bundles, claim-free records, and more.
Aside from offering home insurance, Horton Group also provides personal lines coverage for:
- Auto Insurance
- Umbrella Insurance
- Watercraft and Yacht
- Motorcycle Insurance
- Valuable Collection Insurance
- Cyber and Identity Theft Coverage
- Flood Insurance
- Wedding Insurance
- Equine Insurance
- Wine Collection Coverage
- Domestic Employee Insurance
- Kidnap, Ransom, and Extortion Coverage
- Watercraft Insurance
- Aircraft Insurance
- Disability Insurance
- Life Insurance
- Health Insurance
