There are many reasons you might want to rent out your home on either a short- or long-term basis. Depending on the rental scenario, your standard homeowners policy may not cover losses incurred while your home is rented out. So, whether you own a second home that you lease to tenants or want to rent out a spare bedroom in your house periodically though Airbnb, the first step should be to give us a call.
Read MoreAn insurance score is a score calculated from information on your credit report. Your credit information can be very predictive of future accidents or insurance claims, which is why many insurance companies use this information to develop accurate rates. .Your credit score is one of the factors that can affect your car insurance premium.
Read MoreWhile no one plans for their home to get damaged, the truth is that accidents happen. Here are seven of the most common home insurance claims homeowners make, plus what you can do to avoid them in the first place.
Read MoreChoosing the right type and amount of life insurance is an important financial decision that can affect your whole family. A common type of coverage that may be available as a workplace benefit for free or at a low cost is basic group life insurance offered by your employer. Although Group life insurance can be a good value, it may offer less coverage than you need.
Read MoreDid you know that sparklers can reach 1,200 degrees F and cause third-degree burns? Unintentional actions are the leading cause of outside fires. Community residents need to keep fire safety in mind when enjoying summer vacations, camping, family reunions, grilling and the Fourth of July.
Read MoreA home insurance inspection helps insurance companies assess the replacement cost and risks associated with a new homeowners insurance policy or renewal of an existing policy. Think of it as your insurance company doing their due diligence to help assess potential claims in insuring your home, and the results of the inspection can be used to determine your insurance premium.
Read MoreIf you've purchased a home or car, you understand the feeling of wanting to protect it. Having insurance protection provides peace of mind. It’s important to understand that the cost of claims is growing due to a variety of factors including inflation, increased severe weather events, supply chain issues and more.
Read MoreCoverage eligibility and insurance requirements for your swimming pool will vary by insurer and pool type. Dwelling, personal property, or other structures coverage on your homeowners insurance policy may help repair or replace your swimming pool if it's damaged or destroyed by a covered peril. Your home policy's personal liability coverage may pay for damages or injuries for which you're legally responsible.
Read MoreThe cost of motorcycle insurance varies widely and depends on a number of factors. Generally speaking, motorcycle insurance costs tend to be higher for younger drivers and those driving a sports bike. However, each rider has unique circumstances that may influence the cost of motorcycle coverage for them.
Read MoreWhen traveling to a new destination, whether for business or pleasure, renting a car is a great convenience. One of the most commonly asked questions when renting a vehicle is: Do you need insurance to rent a car? While it’s not mandatory to get rental car insurance, not having it can leave you financially vulnerable in the event of an accident.
Read MoreWhether you’re stepping into the world of homeownership or looking to downsize, condos may be a suitable choice for your needs. In this blog, we’ll explore what a condo is, the pros and cons of buying one, how to buy one, and whether condos are a good decision for first-time buyers.
Read MoreUnderstanding when and how your car insurance covers repairs is crucial for every driver. Whether it’s a minor fender bender, a significant collision, or unexpected damage from a hailstorm, knowing the ins and outs of your insurance policy can save you time, money, and stress.
Read MoreThe process of buying a house can be filled with excitement, but it also comes with a fair amount of questions. One question you might ask yourself is, “When is the best time to buy a house?” There’s no easy answer, but if you come prepared with the right knowledge and strategies, purchasing your dream home on your own timeline may be easier than you think.
Read MoreIn general, auto insurance will follow the car listed on the policy. It will cover your covered auto that is driven by you, a household family member, or by a licensed driver who has your permission to use your auto. There are some instances where insurance will cover the driver, like when renting a vehicle for personal use.
Read MoreThere are two primary categories of life insurance: term and permanent. Term life insurance lasts for a set timeframe (usually 10 to 30 years), making it a more affordable option, while permanent life insurance lasts your entire lifetime. There are multiple types of permanent life insurance, including whole life, universal life, and variable life insurance.
Read MoreYou got into a car collision, now what? This situation may leave you wondering – should you file a claim with your insurance or pay out of pocket for the damages yourself? What if other people are involved? What if the only damages are to your own property? Your insurance is there to help in these situations.
Read MoreWhen you think of water seeping into your home, the first thing you think of is probably a flood. But there are many more common causes of water backup, and they can get just as costly. In fact, on average, water backup claims are the third most costly types of home insurance claims, after fires and liability claims.
Read MoreWhile car insurance premiums fluctuate based on numerous factors, including driving history, vehicle type and location, age is a significant factor used to help determine rates. Talk with your Zeiler Insurance to find the best option to decrease your auto insurance rates.
Read MoreMore and more people are choosing solar for their home’s electricity needs. Many homeowners also hope to save money over time by reducing their energy bills and taking advantage of tax incentives. While solar panels come with many benefits, they’re not a fit for every home. To decide whether solar power is a good decision for your home’s energy needs, consider the factors.
Read MoreIn Illinois, nearly 80% of all tornadoes occur from April 1st through June 30th. Adverse weather, such as high winds, heavy rain, hail and tornadoes, can cause extensive damage to homes and vehicles. Therefore, homeowners and drivers like you need appropriate insurance coverage, including policies and endorsements designed to provide financial protection against storm damage.
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