What is the real reason holding you back from purchasing life insurance? Are you like most Americans who don’t have it, but say they know they need it? A study from Life Happens and LIMRA shows that while 85 percent of the study respondents agree that most people need life insurance, only 59 percent say […]
Read MoreAuthor: keitharmstrong
Insurance Deductibles – How Do They Work?
Not everyone knows the ins and outs of insurance; so if you are wondering how your insurance deductibles work, that’s ok, we are going to explain that in this post. What is a deductible? An insurance deductible is the amount you, the insured, pay before any claim is paid by your insurance carrier. Depending on […]
Read MoreDe-Ice Your Driveway with These 5 Effective Ways
Winters in the Chicago suburbs can turn your driveway into an ice rink. We wanted to share five of the most effective ways to de-ice your driveway and walkways. We will also share tips on how to prevent ice from accumulating in the first place. Rock Salt: This is the most common way to de-ice […]
Read MoreDriving on Icy Roads
Living in the Midwest, we are no strangers to snow and how it can make driving in the winter difficult. Icy roads are one of the top causes of car accidents in the United States and cause hundreds of deaths each year. The state of Illinois ranked fifth for winter weather-related driving fatalities, with an […]
Read MoreProtect Your Home This Winter
Living in the Midwest, especially in Schaumburg and the rest of the Chicagoland area, extreme winter weather can lead to serious damage to your home. A frozen water pipe could burst and cause a flood in your home and basement. An ice dam within your gutter can divert the water to your interior walls, creating […]
Read MoreProtect Your Home Against Sewer Backups
A sewer backup issue can be one of the most distressing problems for a homeowner to encounter. At this time of year, homes are at high risk, causing hundreds or even thousands of dollars’ worth of damage to them. The United States has more than half a million miles of sewer lines, which means there […]
Read MoreIllinois Home Insurance and Dog Bites
Everyone has had run ins with animals and pets, whether they’re your own or a friend’s. I’m specifically talking about dogs here, they can be lovable furry friends for anyone, but unfortunately, they can also be a liability for homeowners as well. Almost half of all homes in America have a dog as a pet, […]
Read MoreWant To Have The Best Life Insurance Exam? Follow These Tips
You have applied for life insurance and your agent says you need an insurance medical exam. You may be apprehensive, there is no need to be. Life insurance companies send someone out to visit you at your home or office rather than requiring you to take the time to go into a medical facility. The […]
Read MoreTree Roots in Your Sewer Line? Does Insurance Cover That?
I would like to talk about a very important coverage that I feel that all homeowners should have on their policies: Service Line Coverage Most homeowners do not know that the repair or replacement of service lines on their property is their responsibility and most homeowners insurance policies typically do not cover damage to these […]
Read MorePlease Don’t Make These Homeowners Mistakes
There are a few things in life that is as stressful as buying a house. That is, until something goes wrong with it. After moving into your home, the real work comes with some common pitfalls that we will discuss below. Being Underinsured Most homeowners underestimate the amount of their personal belongings. Though it is […]
Read More