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A home is much more than a house. 

Founders Insurance Company has homeowner coverage for nearly every owner-occupied home in the State of Illinois. All policies can be written on a monoline basis without an auto policy, but you can save money on your homeowner’s policy when you insure your auto with Founders. We also offer Equipment Breakdown coverage. available with any homeowner policy, to protect your valuable belongings in the event of an issue.

We offer multiple policy options. Listed below are the available coverages and their limits, as well as some other perks you’ll receive with Founders. 


  • Additional endorsements available!
  • No credit check
  • No prior insurance required
  • Pets, space heaters, and several other risk factors accepted! (Exclusions may apply)


  • HO3 Special or Standard policy – homes up to 100 years old with Coverage A limits from $75,000 to $500,000
  • HO8 policy – no age restriction and offers Coverage A limits from $30,000 to $300,000
  • HO6 policy – available if you own a condo or townhome.
  • Don’t forget about Equipment Breakdown coverage!


This is a summary of coverage and services. The precise coverage is subject to the actual terms and conditions of the insurance policy. Not all coverages or services are available in all states. For complete details of coverage, contact your independent insurance agent. 

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