Welcome to STARS Insurance!

Get comprehensive coverage with STARS Homeowners Insurance

Whether you're buying insurance for your first home, or the high-value home of your dreams, STARS Insurance can help you protect this prized possession with homeowners insurance that fits your priorities and your budget.

STARS Insurance policies can provide coverage for:

• Damage to your home's physical structure (Dwelling coverage)
• Damage to other structures like a garage or shed (Other Structures coverage)
• Your personal belongings - whether in your home or elsewhere (Personal Property coverage)
• Additional living expenses if necessary in the event of a covered loss (Loss of Use coverage)
• Your personal liability in the event someone is injured or their property is damaged by you or a family member (Liability coverage)
• Extra coverage for valuable items

STARS Insurance offers you way to save and protect your home

STARS Insurance offers many ways to save on your homeowners insurance, one being a discount if you buy other STARS Insurance policies, such as auto insurance, personal liability umbrella insurance and more.

Yachts & Boats

By teaming up with top-rated insurance companies, STARS can proudly offer quality insurance products for recreational or commercial boats and yachts of all types and sizes.

• Hull limits of any value
• Worldwide navigation available for luxury yachts
• Liability-only coverage available
• 6-pac and 12-pac charters
• Corporate ownership
• Agreed value and ACV policies available
• Liability limits up to $1 million
• Affordable rates and quick turnaround on quotes and policies

We are licensed in Illinois and Florida.

We'll find the plan that fits your life

When it's time to find your Health Insurance, STARS Insurance professionals will guide you step-by-step in the process. Through our strategic partnerships, STARS Insurance offers a variety of options – and we strive to make your insurance experience easy and convenient.

Not sure where to start? Let's take a look at the coverages you might need:

Individual Medical Coverage
If you don't have health insurance coverage through your employer or other group, individual medical coverage is most likely the option for you. STARS Insurance has access to a wide range of plans designed to meet your unique needs.

Medicare Supplement Insurance
If you're a senior citizen participating in Medicare, you should consider a Medicare supplement plan. It provides extra protection to help with many of the expenses not covered by Medicare.

Short-Term Medical Insurance
If you're between jobs or just waiting for other coverage to begin, short-term medical insurance can provide temporary coverage to help you stay protected.

Supplemental Products
Supplemental plans are designed to work with your existing health insurance. They provide added protection in a sometimes unpredictable world. STARS Insurance offers critical illness, accident, and dental coverage.

Group Health Coverage
Group Health Coverage is a policy purchased by an employer and offered to eligible employees (and often to the employees' family members) as a benefit of working for that company. Talk to us about the right group coverage for your business.

Life Insurance

Term Life Insurance
Term Life Insurance is a life insurance policy that provides coverage at a specified premium for a limited time. If an insured passes away during the period, the beneficiary will receive the death benefit. At the end of the term the policy expires. Term life insurance provides the greatest benefit per premium dollar paid but with the downside of the policy expiring at an agreed upon future date.

Whole Life Insurance
Whole Life Insurance is an insurance policy that applies throughout the insured’s whole life, with a requirement of yearly (or monthly)premium. Whole life insurance policy provides continuous coverage and only expires over non-payment of premium.

Universal Life Insurance
Universal Life Insurance is a type of permanent life insurance. It does not require an exact monthly or yearly premium, however, the cash value of the policy rises by the amount deposited and the interest that money earns. There is a monthly cost of insurance charge that is debited against the credit of premium and interest earned. The excess of the premium payment above the current cost of insurance is credited to the cash value of the policy. This is the most flexible life insurance policy but also requires the most planning.

Disability insurance
Policy that insures an insured’s earned income against the risk that a disability would cause the insured to be unable to complete core requirements of his or her job. Disability insurance is composed of two parts: short-term disability benefits (less than 6 months) and long-term disability benefits (more than 6 months).

Long Term Care
Policy that insures an insured in case the insured is unable to complete the responsibilities of his or her job for an unknown time in the future.

Annuity
Annuity is a contractually-executed investment product in which an insured invests a lump sum at the beginning of the term with a guaranteed income flow for the remained of the insured’s life or until the end of the contract, whichever comes first. This investment is relatively low risk and is a great choice for retirement, providing a steady, consistent and guaranteed-upon flow of income for an expected number of years.

Travel Insurance

Ready to unwind and go places? Your luggage, clothes and gadgets are all packed. While you hope everything is under control, the unexpected can happen: a sudden storm closing the airport and delaying your trip, or lost luggage to name a few of the incidents that can ruin your vacation. Are you protected?

Trip Cancellation & Trip Interruption
Reimburses nonrefundable, unused payments or deposits if you must cancel or interrupt your trip due to an illness, injury, or death of you, a family member, a travelling companion or a business partner.

Trip Interruption - Return Air Only
Reimburses the additional airline transportation expenses incurred by you to reach the return destination for trip interruptions due to one of the Unforeseen events shown in the Trip Interruption section.

Trip Delay
Reimburses up to $200 per day for reasonable additional expenses until travel becomes possible if your trip is delayed for more than 5 hours due to covered reasons.