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Getting your home ready for fall

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As the temperatures get cooler and the days get shorter, you realize that it is time to say goodbye to summer and hello to fall. Every season brings challenges to your home and risks. Being on top of all the changes in the weather is something you can do. At Spring Grove Insurance in Spring Grove, IL we don’t change with the seasons, you can always count on us to work for you to find the right insurance for your needs.  

As the summer wanes and we get ready for fall, getting your house ready should be a top priority.

Put away the summer furniture

Fall brings some serious weather issues and many times strong winds. Time to get the summer outdoor furniture cleaned up and stored away. If you have a pool, it’s time to add the chemicals and put on the cover to keep the leaves and debris out of the pool. Don’t forget to winterize your filter. 

Turn off the outdoor faucets

With the cooler weather coming, its time to put away your outdoor hoses and turn off the outdoor faucets before any freezing happens. 

Cover the gutters

If you haven’t put covers on your gutters, this is the time to think about it. You can have them installed, but you can also install them yourself as a DYI project. 

Check your home for leaks

Before the cooler weather arrives, check your windows and doors for leaks. Drafts are a major cause of heat loss and making sure you add caulk or weatherstripping can save you money. 

Change your batteries

Twice a year, you should change the batteries in your smoke and carbon monoxide detectors. Especially since you will be using your furnace and spending more time indoors, it is always better to be proactive on this front. 

Contact Spring Grove Insurance in Spring Grove, IL with all your home insurance questions. 

What Your RV Insurance Covers

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Owning an RV is often a significant investment and is one that you need to protect by finding a high-quality insurance policy that helps you. Thankfully, we at Spring Grove Insurance, serving Spring Grove, IL, can provide you with the information that you need about this situation.

Your Standard Policy Coverage 

If you buy RV insurance for your vehicle, you have quite a few different options things that will be covered. This diverse array of options helps ensure that you don’t run into any issues and keeps your RV as strong as possible. Just a few choices here include:

  • Traveler trailer insurance for when you are hauling your RV 
  • Emergency roadside help when you break down on the road 
  • Liability to protect you from accidents caused by your RV 
  • Storage damage may occur in many ways. 
  • Collision damage that helps to minimize repair costs 
  • RV replacement if it is totaled or stolen 
  • Emergency expenses for your RV and people inside 

If you live in your RV as your primary home, you also need to consider full-timer insurance. This option is like a mix between auto and home insurance and helps to cover things like personal liability, medical payment, and loss coverage for any items you may lose at your home. But, again, pay attention to your options here and work with a team you can trust to get the best overall results for your needs. 

Let Us Help You 

At Spring Grove Insurance, we serve the Spring Grove, IL, area and can provide high-quality insurance policies that make sense for your needs. We’re also ready to work directly with you to minimize your risk of loss or other types of complications. So please reach out to us today to learn more. 

Get the Most Out of Your Motorcycle Insurance

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Motorcycle insurance is needed to ride your bike in the United States legally, and it is your responsibility to maintain adequate insurance coverage. When owning a motorcycle, you want to ensure you get the most enjoyment out of riding in Spring Grove, IL, possible. You also want to ensure you receive the most out of your motorcycle insurance. For assistance with motorcycle insurance, call the experts at Spring Grove Insurance today. 

Avoid Unnecessary Risks

The best ways to avoid taking unnecessary risks when riding a motorcycle include driving at safe speeds and avoiding uneven terrains and poorly paved roads. In addition, to help reduce risks, it is recommended to perform routine maintenance on your bike, including checking the tread on the tires. Finally, if sick, injured, or under the influence of alcohol or other substances, refrain from riding your motorcycle. You have fewer claims against your insurance by avoiding these risks, which helps keep your premiums down. 

Take a Higher Deductible

Assuming a higher deductible, you can reduce your premiums for your motorcycle insurance. The deductible is the amount you pay for repairs and replacement costs before the insurance policy kicks in and pays. However, do not make your deductible so high that you are unable to pay the out-of-pocket expenses in the event of an accident. 

Purchase Seasonal Coverage

If you do not ride your motorcycle all year long, you should consider purchasing insurance seasonally. It is required to maintain liability insurance to keep it registered; however, the other insurance options are not needed when the bike sits in the garage. 

Make sure to review your motorcycle insurance policy to ensure you are getting the most out of it. Motorcycle owners in Spring Grove, IL, can call the experts at Spring Grove Insurance to discuss motorcycle insurance options. 

5 Unexpected Costs When You Own A Boat

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There is more to owning a boat than time on the river or lake, family trips, or time spent with friends fishing or casually boating for fun. The knowledgeable agents at Spring Grove Insurance want to share 5 unexpected costs when you own a boat that every Spring Grove, IL boat owner needs to know.

  1. The Boat Itself – Obviously, whatever the boat costs when you decide to purchase it is the first major outlay of money for a boat owner. But, there are more costs involved.
  2. Docking and Storage Fees – Unless you live on the lake, you will need to have a way to get that boat back and forth. This means a trailer will be necessary. Also, a boating slip or mooring at a marine is an expense you will probably encounter.
  3. Fuel – Just like owning a car, you’re not going to get far without the fuel that keeps it going. A boat usually requires one to three gallons of fuel per hour.
  4. Maintenance – Maintaining a boat properly is going to require more than an oil change now and again. You will need to keep the hull, the equipment, any sails or riggings, and the engine in top-notch condition.
  5. Boat Insurance – To make sure you are covered during an accident or other unthinkable events involving loss or theft with your boat or injury to passengers, any responsible boat owner will secure proper boating insurance before putting the boat in the water.

Before you get too deep into boat ownership, make sure your investment is secure and that you are covered for any potential disaster. The professional helpful people at Spring Grove Insurance in Spring Grove, IL want to help make sure you are covered for all of our boat insurance needs.

Common Situations When Umbrella Insurance Is Useful

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Spring Grove Insurance provides coverage to the local community. Accidents can happen at any moment. We want to make sure that you have coverage in place to protect your assets. We work with our clients to help them find the right policies for their situation. We look forward to serving you with excellent customer service.

Common Situations When Umbrella Insurance Is Useful

Umbrella insurance offers a safety net when disaster strikes. While your traditional liability coverage protects you if an accident occurs, sometimes it’s not enough. Umbrella insurance covers you once you have reached your liability limit so that your assets will not be at risk. Here is a look at some common situations where umbrella insurance is necessary.

Pet Attacks

Perhaps you are taking your dog for a walk in the local Spring Grove IL Park. Suddenly, you lose control of the leash and your dog bites someone, causing an injury. If the injury is severe enough where they are unable to work, you may face legal action. Without the extra protection of umbrella insurance, you could lose your assets depending on the verdict.

Home Accessories

If you have accessories at your Spring Grove, IL home such as a swimming pool or trampoline, remember that there are high risks associated with using these items. Perhaps you invite a friend over to your home for a swim, and they slip and fall while they are getting out of the pool. They suffer a traumatic head injury, which you are held liable for. Umbrella insurance can protect you while you figure out your next move.

Spring Grove Insurance Can Help You Find The Right Policy

Visit our website to learn more information about umbrella insurance.

4 critical reasons you need life insurance

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Life insurance is not always an exciting policy to buy, but it’s one of the most critical financial decisions you will ever make. Unexpected things happen that leave people in shock and uncertain about the future. If you are wondering whether or not to buy life insurance in Spring Grove, IL, here are four critical reasons to open your eyes.

1. Provide For Your Family and Loved Ones

The main reason why most people buy life insurance in Spring Grove, IL is to provide financial protection for their families and loved ones. Life insurance generally replaces your income when you die, and your family can use what you left to pay for their daily expenses. The policy is essentially crucial for parents with young children.

2. Pay Off Mortgage, Loans, Debts, and Other Expenses

Life insurance can be used to pay anything you want, including children’s school fees, mortgage, funeral expenses, and other family needs. Depending on your needs, Spring Grove Insurance may recommend that you buy term life insurance and set the duration as the number of years you will need to offset the loan or pay for a debt.

3. To Increase Your Financial Security

The last thing you want is to fall sick, die, and leave your children with large hospital bills. You want to know that they will be well cared for when you’re gone. Life insurance helps you achieve this when it pays the death benefit.

4. To Have Peace Of Mind

Whether you are young or critically ill, life insurance brings peace of mind that everything is well cared for. Instead of worrying about death occurring suddenly, you can live a fulfilled life without worries.

We Can Help

At Spring Grove Insurance, we care about those that matter to you most, and that’s why we take you through the process of obtaining a life insurance policy that aligns with your needs and budget. Call us today.

What is Accident Forgiveness in Auto Insurance?

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If you have just purchased a car and you have been involved in the first accident in Spring Grove, IL, you might request your insurance provider for forgiveness. Spring Grove Insurance indicates that auto insurance forgiveness is a clause in the insurance industry that is unfortunately unknown to many car insurance holders. This means that the number of people asking for forgiveness is minimal. Why is it necessary to ask for auto insurance forgiveness? 

Have Additional Savings

As a rule of thumb, insurance companies will always increase your insurance premiums if you are involved in an accident. The more accidents you have, the more premiums you will have to pay. However, with insurance forgiveness, your insurance premiums will not change, and you will therefore end up making some important savings that you would have otherwise paid as premiums. 

Maintain Good Driver Discounts

Insurance forgiveness is very common to good drivers who are rarely involved in an accident or anything wrong while on the road. Good drivers who accumulate points are likely to lose them when they are involved in an accident. However, when one gets auto insurance forgiveness, they will not lose their good driver discounts, which means that their reputation on the roads will be maintained. 

Peace of Mind

There is nothing better than receiving a call from your motor vehicle insurance company that you have received forgiveness. You get the needed peace of mind when struggling if involved in an accident. No person wants to experience additional financial expenses, and auto insurance forgiveness helps people live in peace. 

Not every auto insurance company discloses auto insurance forgiveness. In fact, most companies do not give their customers any forgiveness. However, at Spring Grove, IL, Spring Grove Insurance has been giving its customers reliable auto insurance policies for many years, and you will access the same benefits if you join us. Contact us to get more information about insurance forgiveness.

Why commercial insurance is right for your home business

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Home businesses have become increasingly popular. Not having to buy or rent a business location is a big cost saving. Whether it is a converted garage, basement, or just an office, operating from home is an advantage many opt for. At Spring Grove Insurance in Spring Grove, IL, we are here to talk to home business owners about the risks of operating out of your home and how to mitigate that risk. You may not be as covered by the insurance you already have as you think, 

Home insurance

Your personal home insurance is designed to protect your home from many perils. It is not designed to cover a home business. Home insurance covers content, but you may find out the hard way that inventory, business machinery, and even office furniture are not covered or have limited coverage. Many home policies have caps on the amount they will pay for damage to a home office. Data loss and loss of income are not covered in any way by home insurance. 

Where home insurance is grossly inadequate is in liability coverage. If you have customers or clients visiting your office or business in your home, and they are injured, or if they decide to sue you due to a product or service you provide, you could find yourself without any coverage or enough coverage. 

Car insurances

If you are driving your personal car for business, you may find you are not covered. Many insurance policies don’t cover the business use of a personal vehicle. 

Business interruption insurance

If something happens to your business, you need business interruption insurance to keep some money coming in, so you can meet your normal expenses. This is just one of the many valuable commercial insurance coverages your home business needs. 

Contact Spring Grove Insurance in Spring Grove, IL for all your commercial insurance needs.

Why Liability Coverage Is A Big Part Of Your Home Insurance Policy

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Based in Spring Grove, IL, Spring Grove Insurance serves the community by offering residents insurance coverage. We proudly serve as an independent insurance agency. We strive to create long-lasting relationships with our clients to find the right policies for their situations.

Why Liability Coverage Is An Important Part Of Your Home Insurance Policy

Your home is one of your most prized possessions. It’s likely the place where you spend most of your time. Home insurance allows you to protect your investment. Your property is covered if it is vandalized or damaged due to severe weather or an accidental fire. All of your personal items are also covered if they are stolen or vandalized. You can add special coverage to protect the extra structures on your property, such as your garage or fence. One of the most important parts of your home insurance policy is liability coverage. You’ll likely have some visitors over to your Spring Grove, IL residence. Liability coverage protects you if someone gets injured while visiting your property.

Liability coverage also protects you if you accidentally cause damage to someone else’s property. If you have a pet, liability coverage can prevent a dispute if your pet bites someone and injures them. If you have a trampoline or another high-risk accessory on your property, liability coverage can protect you if someone gets injured. Though, you also have the option to add umbrella coverage as another layer of protection.

Other Areas Of Coverage

If you are involved in a potential liability dispute over something you said, you will be covered if you are accused of slander. If you plan to throw a party at your home, liability coverage will protect you if one of your guests gets sick or if someone accidentally damages your neighbor’s property.

Spring Grove Insurance Will Help You Protect Your Assets

Visit our website today to learn more information about home insurance.

Is RV insurance a good idea in Illinois?

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Those in the Spring Grove, IL area that dreams of exploring all that the state and country have to offer should think about investing in an RV. When you decide to invest in an RV, getting the proper coverage is important. A great way to cover this asset is with RV insurance. 

RV Insurance Will Protect Asset

A reason that you should always get an RV insurance plan is that it can protect your asset. There is always going to be a high cost and investment when you do purchase an RV. If you want to ensure that this investment is protected, you should carry a full RV insurance plan at all times. When you have this coverage, you will know that you can repair or replace it following a bad accident or if it is stolen.

RV Insurance Keeps You in Compliance

You will also want to get an RV insurance plan because it will keep you in proper compliance. Anyone that would like to own an RV and drive it will have different insurance obligations. Those that have used a loan to buy the RV or want to drive it on a public roadway will be required to have some level of coverage. With a full RV insurance plan, you will know that you are in good standing with these requirements. 

If you would like to get RV insurance in the Spring Grove, IL area, you should call Spring Grove Insurance. When you work with Spring Grove Insurance, our team can help you assess your different needs and options. Based on this assessment, it will be easier to choose a policy that provides the proper protection for your RV.