Sep 1, 2021, 10:07 AM

Homeowners insurance is based on replacement cost, which is how much it takes to rebuild the structure from the ground up using like-quality materials. Insuring your home for less than its replacement cost is a problem if a loss occurs. Click on the link below to learn more.

Aug 25, 2021, 12:13 PM

Pandemic-related building material shortages are contributing to significantly higher construction costs. This sweeping trend impacts all owners - not just those building new houses. Most homeowners buy insurance to share the cost of rebuilding or replacing property damaged by unexpected loss like fire, tornado, and more. Unfortunately, policyholders may overlook the insurance contract's insure-to-value requirement. Experts suggest more than half are underinsured. Click on the link for information about home valuation and choosing the right dwelling limit.

Aug 18, 2021, 5:56 AM

All licensed motor vehicles must have liability insurance per Illinois law. Click on the link to learn more about minimum limit requirements and coverage details.

Aug 11, 2021, 4:18 AM

Nobody wants to overpay for insurance. A homeowners insurance agent is best equipped to discuss coverage options and cost-savings measures that may lower your premium. Click on the link to learn more.

Aug 4, 2021, 4:37 AM

Insurance helps individuals shift the burden of financial loss following unexpected damage or accident. Adequate insurance protection must be in place before a loss occurs. Click on the link to learn more.