Storm Damage Insurance Claims in Elgin and Huntley, IL: What to Do Before You Sign Anything
When a storm rolls through the Fox Valley, the damage to your roof is only half the problem. The other half shows up the next morning: a...
Home Insurance
When Should You Bundle Home and Auto Insurance Policies?
Quick Answer: Bundling your home and auto insurance with one carrier typically saves 5% to 25% on the combined premium, and often improves...
Common Myths About Homeowner Insurance in Illinois
Quick Answer: Several common myths cost Illinois homeowners money: that home insurance covers floods (it does not), that you should insure your...
What Mortgage Lenders Require in a Home Insurance Policy
Quick Answer: Mortgage lenders require enough dwelling coverage to rebuild your home at replacement cost, the lender named as mortgagee or loss...
How Homeowners Insurance Works With Your Mortgage and Escrow
Quick Answer: If you have a mortgage, your lender requires home insurance and usually pays it through an escrow account, collecting a portion...
Signs It’s Time to Shop for a New Homeowners Insurance Policy
Quick Answer: It is time to shop for new home insurance when your premium spikes at renewal, your carrier non-renews you or leaves Illinois,...
Do You Need to Update Your Homeowners Insurance After a Renovation?
Quick Answer: Yes. Renovations raise your home's rebuild cost, so you should update your dwelling coverage after an addition, major remodel,...
Do Older Homes in Illinois Need Extra Insurance Protection?
Quick Answer: Yes. Older Illinois homes often need extra coverage because outdated wiring, plumbing, and roofs raise risk, and rebuilding to...
🏡🚗 Why an Independent Agent Is Better for Home & Auto Insurance
Quick Answer: An independent insurance agent represents many carriers, so they shop your home and auto across 20+ companies to find the best...