Why do I need Renters Insurance?

Lately here in Illinois we seem to be having 100 year floods on an annual basis. Every year I get calls from clients who have a flooded basement and have not purchased coverage for this risk. Where water back up insurance covers water backing up through drains, sewers and sump pumps, Flood insura...

Spring is the time of year that we start to get quite a few calls related to water in the basement. Every year I send at least 1 communication to my clients to make sure they are fully aware of what is not covered on the basic Homeowners Insurance policy, without purchasing additional coverage. E...

The Landscape of Insurance has certainly changed since I became an Allstate Agent in 1978, 31 years ago. Back in the day it was fairly common to see a Homeowners policy with a $50 deductible, and $100 was fairly standard. With rates on Homeowners insurance increasing throughout the industry, goin...

Most Condominium owners are not aware of the consequences of a claim that originates in their unit, but damages common property covered by the association policy. A good example of this would be a resident that is not attentive in the kitchen and causes a grease fire. The fire most likely would d...

All too often we find a situation where a Condo unit owner lacks coverage on their unit....because no one forced them to buy it. Unlike a home, where the mortgage company mandates insurance to protect their interests, that does not happen on a condo. The master policy of the association provides ...

Every day you hear from clients who are put in a position of owning a home that is on the market for sale, and have already moved into the new residence. Obviously the financial and emotional distress from this takes a toll, but of course overseeing the property and checking in on it every few da...

Just a few years ago, the tax reform act of 2005 was passed. It basically said that in order for benefits to be available for Long Term care expenses, that the applicant could have very little in the way of assets, as it would be required to spend down assets before Medicaid would pay any benefit...

It is interesting that during tough economic times, that my clients are even more in tune with the need and desire to protect their loved ones. Life insurance is one of the basics for the foundation of good planning for the family. Many times I have had clients tell me they have life insurance at...

When a pipe freezes and cracks, very often the homeowner suffers water damage from the sudden and accidental discharge of water from the plumbing system. Most Homeowners Insurance policies cover this water damage to your home and its contents, subject to your deductible. Also, most Homeowners pol...

When the temperature falls below 20 degrees and strong Winter winds blow, potential for freezing pipes increases dramatically. Taking the appropriate precautions will go a long way in protecting your Home and the contents.  Here are some basic things all Homeowners should do...... Detach all Gard...