How fast can I get an insurance quote from Amsure?

Amsure provides instant ballpark quotes in under 30 seconds through our AI-powered quote engine. We compare rates from 40+ top carriers to find you the best coverage at the lowest price. For a fully bound policy, our agents can finalize your quote within 24 hours.

What types of insurance does Amsure offer?

Amsure offers comprehensive personal and commercial insurance including: Auto Insurance, Homeowners Insurance, Renters Insurance, Landlord Insurance, Motorcycle Insurance, RV Insurance, Classic Car Insurance, Umbrella Insurance, General Liability, Business Owner's Policy (BOP), Workers' Compensation, Commercial Auto, Professional Liability (E&O), and Trucking Insurance.

Is Amsure licensed to sell insurance in Illinois?

Yes, Amsure Co. is a fully licensed insurance producer in the State of Illinois, regulated by the Illinois Department of Insurance. We maintain all required licenses and comply with all Illinois insurance regulations, including continuing education requirements for all producers.

How many insurance carriers does Amsure work with?

Amsure partners with 40+ A-rated insurance carriers to provide our clients with the most competitive rates and broadest coverage options. Our AI technology compares quotes across all carriers simultaneously to find the best value for your specific risk profile.

Does Amsure offer commercial insurance for businesses?

Yes, Amsure specializes in commercial insurance including General Liability, Business Owner's Policy (BOP), Workers' Compensation, Commercial Auto, Professional Liability, Cyber Liability, and customized commercial packages. We serve businesses of all sizes from startups to enterprises across Illinois and nationwide.

Can I manage my insurance policy online with Amsure?

Yes, Amsure provides a secure online Client Portal where you can view your policies, download certificates of insurance, file claims, make payments, request policy changes, and communicate directly with your dedicated agent 24/7.

How much home insurance do I need in Illinois?

Coverage A (dwelling) should equal the rebuild cost of your home, not its market value — typically $150–$250 per square foot in Chicagoland depending on construction. Many older homes are underinsured because replacement costs have risen faster than real estate values.

Does standard home insurance cover flood damage?

No. Standard Illinois home policies exclude flood. For flood coverage you need either an NFIP policy or a private flood product — Amsure writes both and can usually quote private flood faster than FEMA.

What's an Extended Replacement Cost endorsement?

It adds 25-50% on top of your dwelling coverage so that if rebuild costs spike after a widespread disaster (common after storms or fires), you're not capped. Many direct writers default this off to hit a lower quoted premium; Amsure recommends it on almost every home policy in higher-value Chicagoland zips.

Do I need separate earthquake or sewer backup coverage?

Yes and yes. Earthquake is typically an endorsement or a standalone policy. Sewer/drain backup is a cheap endorsement (usually $30-80/year for $5-25k of coverage) that covers a common Chicago basement claim not included in the base policy.

Home Insurance in Illinois