Back-to-school season means busier roads, crowded school zones, and new challenges for teen drivers. Review practical driving safety reminders and insurance considerations that can help families prepare young drivers for the school year.
A lower insurance premium can be appealing, but price does not tell the entire story. Understanding deductibles, limits, exclusions, valuations, and other policy differences can help you make a more informed insurance decision.
Lithium-ion batteries are found in phones, laptops, power tools, e-bikes, scooters, and many other everyday devices. While they are useful and convenient, they also need to be charged, stored, transported, and handled carefully to reduce the risk of fire.
Running a business from home can feel low risk, but many exposures are easy to overlook. Personal insurance policies often have limitations that leave home-based business owners vulnerable. Understanding these gaps can help avoid costly surprises.
Personal Umbrella Policies are liability insurance policies with very high limits of protection, typically starting at $1,000,000. They are designed to add a layer of protection above other kinds of personal liability coverage such as the liability protection found in a personal auto, homeowner or boat insurance policy. These kinds of policies are meant to protect you should you be deemed legally responsible for injury to persons or property. Personal injury can include non-physical injury like libel or slander. Continue Reading...
Considering the barrage of daily concerns, your homeowner's insurance policy may be the last thing on your mind. And yet, examining and reevaluating home insurance policies on an annual basis is a critical facet of homeownership, ensuring adequate coverage and protection for the most valuable asset and source of equity for many people in Illinois and beyond. Premiums, like much else in the current economic climate, are forecasted to see some big increases in the coming year, with some expected to exceed $1,000 a year and many slated for rate hikes in the double digits. Continue Reading...
Personal Umbrella Policies are liability insurance policies with very high limits of protection, typically starting at $1,000,000. They are designed to add a layer of protection above other kinds of personal liability coverage such as the liability protection found in a personal auto, homeowner or boat insurance policy. These kinds of policies are meant to protect you should you be deemed legally responsible for injury to persons or property. Personal injury can include non-physical injury like libel or slander.
Considering the barrage of daily concerns, your homeowner's insurance policy may be the last thing on your mind. And yet, examining and reevaluating home insurance policies on an annual basis is a critical facet of homeownership, ensuring adequate coverage and protection for the most valuable asset and source of equity for many people in Illinois and beyond. Premiums, like much else in the current economic climate, are forecasted to see some big increases in the coming year, with some expected to exceed $1,000 a year and many slated for rate hikes in the double digits.