In general, if your pool is damaged by a covered peril, it will be covered under your homeowners insurance policy. The way your policy is written will determine whether your pool is considered part of your home or viewed as part of your “other structures” coverage.
Read MoreSummertime usually means vacations and summer road trips, with more people driving, walking, and biking. Now is a good time to review these summer driving safety tips. A little planning and some safety checks might spare you from dealing with the consequences of a breakdown.
Read MoreThe Office of the Illinois State Fire Marshal (OSFM) encourages everyone to let the professionals handle fireworks, it’s simply not worth the risk! Every year across the state accidental fires, burn injuries, loss of limbs and deaths occur due to the use of fireworks.
Read MoreIn the state of Illinois, the question of who is responsible for fallen tree removal can often be a source of confusion. The short answer is that it depends on a few factors: the local laws, whether it can be proved that the tree was neglected, whether there was damage to property, and the location of the tree itself.
Read MoreDays are getting longer, temps are rising, schools are closing. For people who own pools and hot tubs, that means two things: more time in the water, and more need for precautions. Make sure your summer is good fun, not bad luck with these 11 pool safety tips.
Read MoreWhether you’re looking to buy your first or your next home, you may wonder if buying a fixer-upper home could be a good investment. While fixer-uppers can help you save some money and secure a good location, they may not be a good fit for everyone. Let’s explore more about how to buy a fixer-upper by looking at the different types on the market and the pros and cons of purchasing one.
Read MoreComprehensive insurance coverage is defined as an optional coverage that protects against damage to your vehicle caused by non-collision events that are outside of your control. This includes theft, vandalism, glass and windshield damage, fire, accidents with animals, weather, or other acts of nature.
Read MoreMany people use the term “RV” to mean “motorhome,” but technically a travel trailer is also an RV. The difference between motorhomes and travel trailers is that motorhomes have a built-in engine while travel trailers need another vehicle to tow them.
Read MoreAs a homeowner, you have a lot to think about when it comes to taking care of your home. But one thing you may not have considered is how water-connected appliances and systems can lead to water damage. Learn how to proactively defend against potential water issues. Just a few simple tasks can help you come home happy.
Read MoreIf you own a deck, you know that it faces constant exposure to the elements. Harsh sunlight, heavy rain, ice, and snow can all cause wear and tear over time. The average wooden deck typically lasts between 10 and 15 years. However, with proper care and regular maintenance, you can extend its lifespan and enjoy your outdoor space for many more years.
Read MoreWhen budgeting for a new car, most people factor in the monthly payment. But insurance costs vary depending on whether you lease or buy. Insurance requirements and costs differ significantly depending on whether you lease or buy a car. Leased vehicles typically require full coverage with higher liability limits, while financed or owned vehicles offer more flexibility once the loan is paid off.
Read MoreGutters are that part of your home that you probably don’t spend much time thinking about unless you see leaves poking out or water pouring off the sides of your home rather than going through the downspout.. Here’s everything you need to know about gutters and insurance coverage, along with a few signs you need gutter replacement.
Read MoreLife insurance can help build a foundation of financial and emotional security for your loved ones. When you're no longer around, your heirs may be responsible for all your unpaid bills and debts, as well as paying for final expenses, probably out-of-pocket. With life insurance, your beneficiaries can use the funds from the death benefit to pay for these things and more.
Read MoreDo you or a family member have an E-Bike? We see them more and more often. Even young kids zipping around on the street, sidewalks, and parking lots. What if you accidently hit a pedestrian? Or a family member lets a friend try the E-Bike and they get hurt?
Read MoreUnderstanding your homeowners insurance coverage is important. Why? Because even the best home insurance policy won't cover everything. Here are Frequently asked questions on what typically is not covered by home insurance.
Read MoreRenters insurance may cover personal belongings damaged from a covered peril plus additional living expenses, if you're unable to live at your residence while it's being repaired because of a covered loss. Your renters policy also includes personal liability coverage if you're legally responsible for someone else's injuries or damages. Renters insurance won't cover the actual structure you live in — that's your landlord's responsibility.
Read MoreWinter weather can cause roadways to be hazardous due to snow and ice, which means you need to prepare yourself and your vehicle for safety. If you have to drive in the snow, there are a number of things you can do to make it as safe as possible. And don't forget that before you drive anywhere, you need to have car insurance.
Read MoreThe U.S. housing market of recent years has been tumultuous, marked by high housing prices and interest rates, and low inventory. Most renters in urban areas have never owned a home, but more than half have considered buying one. Read on to see what is going on with the housing market.
Read MoreRoad salt is highly corrosive and can eat away at your car's exterior and undercarriage, leading to rust and long-term damage. Understanding the risks and taking proactive steps can save you from costly repairs down the line.
Read MoreIt’s going to take time to recover from the winter storm that affected a large part of the country and left hundreds of thousands without power. Scammers know severe weather may have shut off your electricity, heat, or water. And they might try to take advantage by sending messages that look like they’re from your utility company with links designed to steal your personal information.
Read More
