Understanding the Insurance Claims Payment Process

  After a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here's what you need to know about claims payments.   The initial payment isn't final In most instances, an...

What Should We Still Be Cleaning And Disinfecting To Prevent COVID-19?

The sales of disinfecting sprays and wipes skyrocketed in recent months as the public scrambled to more frequently disinfect commonly touched surfaces and items that could spread the coronavirus. We...

Introducing our Renewal Center

It is an ongoing task when working on ways to improve the service to our customers. It all starts with our account managers and I’m proud to have a great team here at the agency. We also look...

From Pests to Pets: Does Your Insurance Cover Animal Damage?

You might assume that your homeowners insurance would cover any and all animal damage. But, most insurance policies treat animal-related damage differently depending on factors specific to the...

Online Identity Theft Prevention

Going online has become part of everyday life, whether it is for everyday activities such as shopping, sending email or paying bills, and managing your accounts. But data breaches, in all their forms,...

8 Tips for Preventing Fires in Your Home

Fire Prevention Week kicks off Sunday, and it's critical that older Americans take steps to stay safe. Statistics show that the risk of dying in a residential fire is greater as people age because...

Your Auto Insurance Policy Does Not Cover Delivery

Our Covid experience is changing the way we live. How we socialize, consume products, and how we work is all evolving. The demand for having products delivered has never been greater. Before...

Should You Take a Staycation or a Social Distancing Trip?

Should you stay home or hit the road?  Should you stay home or hit the road?  No one would blame you for feeling tired. There’s a lot going on in the world right now, and you could use a break. You...

The Scary Symptoms of Mold Sickness You Should Never Neglect

What Makes Mold Dangerous The word “mold” describes thousands of species of fungi. The Centers for Disease Control and Prevention (CDC) say 300,000 of these species could exist. Not all mold is bad....

Your New Home Office

We don't quite know exactly how long this quarantine will last, so if the kitchen table isn't working for you anymore - here are a few tips to help you make a productive (and comfortable) home...

Illinois Homeowners - Clean Those Gutters

A common insurance claim in winter months is water damage caused by ice damming.  These 'dams' are just that, they are blockages of ice that can form just about anywhere on your roof and they prevent...

What Do Humidifiers Do to Improve Wellness in the Winter?

There's a lot to love about winter - cozy evenings by the fireplace, outdoor sports like skiing or ice skating, and that first magical snow of the season.  Of course, no one looks forward to cracked...

Understanding your Insurance Deductibles

Deductibles have been an essential part of the insurance contract for many years. Understanding the role deductibles play when insuring a car or home is an important part of getting the most out of...

Your College Student & Insurance

Got Kids in College? Better Get Insurance. When we look for coverage to extend for a student away at school the first question is: Is the student a member of the household? Home and Auto Insurance...

3 Insurance Misconceptions

Misconception 1: “I have an umbrella policy, so I’m covered for everything.” Though the intent of a personal umbrella policy is to provide an additional layer of liability protection on top of...

Is your home as efficient as it could be?

Drafty windows. Leaky faucets. Dirty air filters. All are common issues in homes across the country, and they're not just annoying - they also cost you money in decreased energy efficiency and...

Safeco Insurance: Do I need to tell my insurance company if my dog bites someone?

You probably don’t think your dog would ever bite someone, let alone cause a serious injury, but dog bites are more common than you might realize. 4.5 million occur every year in the U.S., according...

Snowmelt Protection Tips

As winter ends and temperatures begin to rise (and then sometimes fall again), the accumulating water from melting snow and ice leaves your home susceptible to damage. Protect your home ahead of time...

Will you be giving that special gift for Valentine's Day?

Will you be giving that special gift for Valentine's Day? We wanted to remind you that your homeowners policy has some limitations for high valued items. “Special Limits” The personal property...

Considerations for Condominium Unit Owners

There have been many questions regarding an association's insurance policy and what a unit owner needs to insure. Coverage for an insurance claim is dictated by the language in the...
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