April 13, 2021
AgencyDoes homeowners insurance cover tornado damage?
Does homeowners insurance cover tornado damage? Homeowners insurance covers your home and personal belongings from many types of tornado damage, including damage caused by wind, wind-driven rain, and fallen trees. If a tornado displaces you from your home and you’re forced to live elsewhere, homeowners insurance may also cover your additional living expenses. However, water damage from flooding that occurs […]
March 5, 2021
AgencyWhy do I need renters insurance?
Why do I need renters insurance? Renters insurance covers your personal property if it is damaged or stolen, medical and legal bills if you are found liable for damaging someone’s property or injuring them, and temporary living expenses if your rental home is currently uninhabitable. Renters insurance is financial protection for a tenant and their personal belongings. There […]
February 3, 2021
AgencyDo You Need Insurance on an Electric Bike?
Do You Need Insurance on an Electric Bike? As with bicycle insurance, ebike insurance is not legally required—but it may still be a good idea. In general, ebikes range in cost from about $400 to $2,000 or more, so if it is stolen or damaged, an ebike policy can help you buy a replacement or […]
January 27, 2021
AgencyPros and Cons of Using Insurance Driving Monitors in Your Car
Pros and Cons of Using Insurance Driving Monitors in Your Car Driving monitors are the latest trend for car insurance companies. Many insurers are offering driver monitor programs that promise to lower rates for safe drivers. The benefits include lower premiums and improved safety, while the drawbacks […]
January 20, 2021
AgencyShould You Let Your Insurance Company Track Your Driving?
Should You Let Your Insurance Company Track Your Driving? Auto insurance companies are increasingly offering “usage-based insurance” rates that rely on cellular or GPS devices to monitor how you drive. These rates can offer significant discounts from what your traditional auto insurance might offer, but there are also trade-offs. Here’s what you need to know to decide […]
October 27, 2020
AgencyTime change reminder…and some other things to change, too.
Time change reminder … and some other things to change, too. On Sunday, November 1st, clocks will be set back an hour, marking the end of Daylight-Saving Time. But, that one-hour difference can present some unique driving challenges. NIGHT MOVES […]
October 16, 2020
AgencyGaps in your insurance & Gap Insurance.
Gaps in your insurance & Gap Insurance. The modern homeowners policy is very comprehensive and covers *most* of the things the typical homeowner needs, however, few of us us are truly “typical” and there are some common coverage gaps that we always talk to our clients about. Here is just a few homeowners insurance coverage […]
September 10, 2020
AgencyNational Preparedness Month: September
National Preparedness Month: September Evaluate Your Disaster Plan Small business owners are natural planners. You know exactly how you want your business to look six months or a year from now, and you work hard toward your goals every day. Unfortunately, sometimes things may happen that are out of your control – but there are […]
August 6, 2020
AgencyMillions of Homeowners Who Need Flood Insurance Don’t Know It — Thanks to FEMA
Millions of Homeowners Who Need Flood Insurance Don’t Know It — Thanks to FEMA It is FEMA’s job to warn homeowners about major flood risks, but its approach is notoriously limited. In Cook County alone, researchers found about six times as many properties in danger as FEMA estimated. Look up your address with a new […]
June 23, 2020
AgencyPhase 4 of the Restore Illinois plan
Phase 4 of the Restore Illinois plan To ensure businesses can reopen safely, the state released a common set of standards expected of all employers, while also outlining industry-specific guidelines using a risk-based approach to support unique operational needs of businesses across the state. Industry guidance will help businesses and residents feel safe in returning […]