Homeowners in Spring Grove, IL should be accurately informed about home insurance. Fortunately, we can answer all your questions about home insurance at Spring Grove Insurance.
The following are four pieces of misinformation to be aware of when it comes to home insurance:
Your home insurance will cover all the belongings in your home.
Home insurance typically offers some coverage for personal possessions in a home. However, this coverage is capped at a certain dollar amount.
If you have especially valuable belongings in your home, you may need to add more personal property coverage to ensure that your belongings are completely covered.
Home insurance coverage will cover medical costs if members of your household become injured.
Home insurance policies do offer bodily injury coverage. However, this coverage pays for medical costs that result from a guest’s injuries. Medical costs for household members are not covered by home insurance.
A home insurance policy will cover you for any natural disaster.
Unfortunately, you cannot rely on your home insurance to pay for all the repair costs that result from natural disasters. Damages caused by events like earthquakes or floods are not covered under standard home insurance policies.
You’ll have to pay more for home insurance after you file a claim.
Homeowners shouldn’t be worried about filing a claim because they think it will make their premiums go up. In most cases, filing one claim does not impact premium costs at all.
Looking For Home Insurance?
Learn more about home insurance by calling us at Spring Grove Insurance. We are a great option for home insurance in Spring Grove, IL. We’ll be happy to provide you with a quote on a policy.
More than likely, your home is where your heart is. Your home is probably where your wallet is also since it is one of the largest investments you will make in your lifetime. The home insurance agents at Spring Grove Insurance in Spring Grove, IL know that you will want to protect your investment and the beautiful home you bought with it as much as you possibly can. The best way to do that is through an adequate home insurance policy.
What Does a Home Insurance Policy Cover?
Your home insurance policy will cover the structure of your house as well as basically everything inside of it. This can include your personal belongings, household items, furniture, appliances, and more. Your policy will also cover outside structures, such as a deck, your garage, or other buildings on the property. If your home falls victim to a fire, an act of vandalism or some sort of natural disaster, your home insurance policy will assist you in making the necessary repairs or even in rebuilding your home if necessary. Most policies will also cover any of your personal belongings or other items that are stolen during a burglary or robbery at your home.
If you owe a mortgage on your house, you will more likely be required to have a home insurance policy in place. Even if you paid cash for your house or you have already paid it off, it is imperative for you to have an adequate amount of home insurance in place in the event that something tragic happens.
Contact Us Today
To ensure that you acquire the appropriate amount of home insurance for your property and your situation, you will want to contact the experienced and knowledgeable home insurance agents at Spring Grove Insurance in Spring Grove, IL. Call for an appointment today to get your policy started!
Do you know the importance of making a home inventory? It’s beneficial to do this so that you have a record of the items for which you want insurance coverage. Talk about your insurance options with an agent from Spring Grove Insurance of the greater Spring Grove, IL area.
Capture Photos and Video
One of the best things you can do when creating a home inventory is to take photographs and get a video of the possessions you know you want on your policy. You can also make a regular list, but it’s good if you have the evidence in case something is stolen or damaged to the point it’s unrecognizable.
Go Through Each Room
When putting together this inventory, walk through each room of your house. Go through the closets, drawers, and takedown model names and serial numbers of the larger items, especially. This is also a good thing to do if you have a wine cellar and pay special attention to where you keep your collectible items.
It’s important that you know the values of the items you have on your home inventory. Then you’ll stand a better chance of getting the right amount of coverage to meet your needs. If you keep receipts of your big-ticket items, you’ll want to include them in your documentation. Think of it in terms of the replacement cost and not the actual cash value.
When it’s time to get coverage for your personal property, consider a home inventory to make this process easier. It really will make a big difference. Contact us at Spring Grove Insurance of the Spring Grove, IL area for more information.
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.
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.
Spring Grove, IL is a village in Northern Illinois. With a population of under 6,000 residents, it has a lot to offer all those who choose to call it home. When you own a home, you usually will have home insurance. Your home insurance is not the sort of coverage that should stay the same forever. Talking to experienced agents like those at Spring Grove Insurance can help you to keep your home insurance up to date with the changes in both your life and your home.
When you have made significant changes to your home
Renovations are a great thing. Adding a new kitchen, bathroom, enclosing a porch, or any added square footage certainly increases the value of your home. Other things like adding a garage, deck, or shed on the exterior can also increase the value of your property. You don’t want to be underinsured.
Adding a pool or dog
When you add a swimming pool to your home, there is an increased liability risk as well as added home value. Certain breeds of dogs are also an issue when it comes to liability, so it is essential to discuss this with your agent.
Purchase an expensive item/item
If you have added a piece of art to your decor or any expensive pieces of jewelry, it is important to check the limits on your policy. You may need to add an endorsement to protect your valuable items.
If you have added a home security system or any other home safety device, you may be eligible for some discounts that will save you money. Be sure you let your insurance professional know about them.
If you are looking for new insurance coverage, no matter what the reason, Spring Grove Insurance in Spring Grove, IL is ready to meet with you to answer any questions and help you decide what coverage you need for your home. Give the office a call to make an appointment or get a no-obligation quote.