3 Easy Tips to Lower Your Homeowners Insurance Premiums
Homeowners insurance is a vital coverage option if you have a property you’d like to protect. Read on to learn three easy tips to lower your premiums.
How Courts Determine Who Is at Fault in a Car Accident
If you’ve been in a car accident, you may need to determine who was at fault. See ways courts in Chicago, IL, determine who is at fault in an accident.
5 Factors That Can Affect Motorcycle Insurance Rates
Many different factors will play a role in determining the overall cost of your motorcycle insurance policy. Understand what these factors are.
Factors That Determine the Cost of Commercial Theft Insurance
Commercial crime insurance protects your business from financial losses stemming from business-related crime. Discover common factors to determine premiums.
Comprehensive and Collision Auto Insurance in Illinois – Single-Interest Car Coverage
Other than Property Damage and Bodily Injury Liability, there are two other forms of auto insurance coverage: Comprehensive and Collision. Sometimes people have trouble keeping them straight, so for review, let’s define them.
Condo and Association Insurance in Illinois: Policy Limits, Liability, and Flood Coverage
The benefits of condo ownership are certainly appealing for somebody looking to own a property. Condominiums are usually in a community atmosphere with maintained grounds and security. They may also include swimming pools, clubhouses, or be situated by a major attraction such as the ocean or busy downtown area. The rate of foreclosures has resulted in a plentiful selection for the buyer looking for a residence or investment. However, condo owners need to tackle one very common misconception: you do need your own condo insurance policy!
DUI Auto Insurance in Illinois: SR-22, Suspended Licenses, and Motor Vehicle Report Impact
Don’t Drink And Drive! It’s more than just a slogan. Besides the reasons such as obvious risk of injury, death, and extensive damage, you should avoid a DUI at all costs!
Winter Motorcycle Insurance in Illinois: Liability, Coverage, and Prep Tips
Winterizing motorcycles includes maintaining insurance coverage. Jim loves his bike. He loves open air, multiple-day rides touring through the hill country. Every August he takes a ride for an event in Minnesota that starts a two-week vacation. By the time he gets home, football season is in full swing for his busy family of boys and ride time cuts way back. This means it’s time to begin to winterize his bike for storage. He has a routine he goes through that protects the valves and cylinders from moisture and the gas tank from rusting. A smart tender is hooked to the battery to protect the charge. He makes sure there is plenty of antifreeze because his bike is stored in an insulated but unheated shed. The final step is to close up the tailpipe to keep rodents out. Jim is going to break with one part of his routine this year though. Usually he calls his insurance company and cancels his coverage for the storage season. Last year was an unseasonably warm winter. Spring came with sudden “pops” of warm days here and there. They came with little warning and were gone the next day. If this season is a repeat, Jim wants the flexibility to be able to grab his bike and go, resting assured that he’s fully covered.
Mexico Insurance Needed for Travel to Mexico: What You Should Know Before You Go
Bill and Brenda are planning to retire in Monterrey, Mexico, which is in the northeast corner of the country near the foothills of the Sierra Madre Oriental mountain range. It’s beautiful, bustling city known for hot weather and international business. Usually when Bill flies in for business, he lands at the General Mariano Escobedo International airport and relies on taxis and car service through his employer. But when he retires next year, he and Brenda are driving down. They’re going to maintain their home in Illinois, go from two cars to one, and sell their investment properties. Next month, they’re making a road trip down to get an idea of what else they may need and to look at houses. Jim has a car and is traveling down the California coast. The further south he drove, the more restless his traveling spirit pulled to head on down into Mexico. By the time he got to Los Angeles he was sure he wanted to keep going to Tijuana and to points beyond. Jim’s car insurance covers liability, fire, floods, theft, collision and total loss. What he doesn’t realize though is that none of this will matter once he crosses the border: his policy won’t cover damage that occurs in Mexico, including if he gets in an accident with another vehicle.
Categories and Rationale for Home Insurance Exclusions
Home insurance doesn’t cover every imaginable risk. Understand the exclusions on your policy so that you can buy separate coverage for them, if possible.
