Homeowners Insurance


Home Insurance

Cara Sparks is Palatine's trusted American Family Insurance agent.

From your countertops to the color of your walls, your home is uniquely yours. Shouldn’t your homeowners insurance be built just for you too? We think so.

American Family homeowners insurance covers more than just your floors, walls and ceilings. We believe that everything your home stands for is worth protecting. That’s why we provide the customized home coverage you need to protect what matters most to you.

What Does a Standard Homeowner's Policy Cover?

Here’s a look at what’s covered under a standard homeowners policy:

  • Fire & Smoke
  • Tornadoes
  • Damage from weight of ice, snow or sleet
  • Leaking roofs
  • Lightning
  • Theft
  • Hail & windstorms
  • Falling objects such as rocks or trees
  • Wildfire
  • Frozen interior plumbing
  • Riots or vandalism
  • Power surges

What's Not Covered by a Standard Policy

Typically, base policies do not cover things like flood, earthquake, and sewer backup or identity theft. But, you may be eligible to purchase additional protection for these events:

Home Maintenance; Wear and Tear; Floods — American Family offers flood insurance through the National Flood Insurance Program. And usually it's surprisingly affordable — a drop in the bucket compared to how much flood damage could cost; Earthquakes; Sewer/septic backup and sump pump backup — while it's not automatically included in a homeowners policy, sump pump and water backup coverage can easily be added for a fraction of what it would cost to repair or replace water-damaged items in your home.

Our homeowners insurance policy includes different types of coverage that offer you, your home and your belongings protection from unexpected events.

For guidance on which standard and additional coverages are right for your home, just give the Cara Sparks Agency a call!

About the Cara Sparks Agency


Cara SparksI have been an insurance professional since 2010, and have a lot of experience building lasting relationships and protecting customers dreams. Our agency offers auto, home, life, business, farm/ranch, and other kinds of insurance tailored to fit your family’s unique needs. You can count on each and every member of my team to be honest, attentive and straight forward, and to always put your best interests first. Above all else, we are educators, advisers, and dream protectors.

OUR Insurance Agency

My team is here to serve. Our unique backgrounds, training and experience have prepared us well to help meet your insurance needs. Additionally, as residents of your community, we understand how important it is to be there for you - our trusted friends and neighbors. Together, we're building strong partnerships that help everyone succeed.

CALL US AT (847) 885-2043