Getting your home ready for fall

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. 

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

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.

When should I get my home policy reviewed

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. 

Safety Devices

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.