Homeowners Insurance

Homeowners insurance is a type of insurance that provides financial coverage for damages to a person’s home and personal property. It is typically required by mortgage lenders to fund a home loan.

The coverage provided by homeowners insurance typically includes protection against losses from fires, storms, and other natural disasters. It may also have liability coverage for accidents on the property, such as a visitor slipping and falling.

When shopping for homeowners insurance, it is essential to consider the replacement cost of your home and personal property and the liability coverage you need. It is also a good idea to review the policy exclusions, which are events or types of damage that are not covered by the policy.

It’s important to review your policy regularly to ensure it meets your needs. For example, as you acquire new possessions such as jewelry or expensive art, you may need to increase your coverage to protect them. You may also want to consider additional coverage options, such as flood insurance, if you live in an area prone to flooding.

Effective on January 1, 2023 if the property is located in a special flood hazard area, coverage under the National Flood Insurance Program may be available for Illinois residents at a subsidized rate. If you select another product in lieu of a National Flood Insurance Program policy, your ability to later reinstate coverage at a subsidized rate may be impacted and the full-risk rate may apply.

When making a claim, it’s essential to have clear documentation of the damages and the belongings damaged. Having a home inventory checklist can come in handy in situations like this. It is also important to understand your policy’s deductibles, the amount you will have to pay out of pocket before your insurance coverage begins.

Homeowners insurance can be a confusing and overwhelming topic, but it is a crucial part of owning a home. With the right coverage, you can have peace of mind knowing that you and your property are protected in the event of an unexpected loss.

Must-Haves for Your Home Emergency Kit

It is hard to imagine several days (or weeks) without power, internet or running water. But these days anything can happen. That’s why you should have an emergency plan and supplies ready for any type of disaster.

A disaster could mean heavy snow, flooding, a tornado or a hurricane. – it depends where you live. 


You can buy a pre-made kit from a number of retailers online, but it’s also likely that you have many of these items lying around your house already. Pick up a large, portable, watertight container to start collecting things.


  1. Water (one gallon per person, per day)
  2. Non-perishable food
  3. Flashlight
  4. Extra batteries
  5. Battery-powered or hand-cranked radio
  6. First aid kit and/or trauma kit
  7. Cash and change (in a waterproof container)
  8. Manual can opener
  9. Flares or whistle to signal for help
  10. Dust masks for contaminated air
  11. Wrench, pliers and other tools (to turn off utilities)
  12. Plastic sheeting and duct tape to shelter-in-place (if you are stuck at home, work or elsewhere)
  13. Local maps
  14. Cell phone with battery-powered or solar charger.
  15. Moist towelettes, garbage bags and plastic ties for personal sanitation


  1. Prescription medications
  2. Non-prescription medications (pain relievers, anti-diarrhea medication, antacids or laxatives)
  3. Eyeglasses and contact lens solution
  4. Infant formula and supplies (diapers, wipes, etc.)
  5. Feminine supplies and personal hygiene items
  6. Important family documents in a waterproof container (copies of insurance policies, identification and bank account records)             
  7. Sleeping bag or warm blanket for each person  
  8. Complete change of clothing for each person
  9. Unscented household bleach and medicine dropper
  10. Extra food and water
  11. Pet food and supplies
  12. Life raft for areas with severe flooding
  13. Extra blankets and hand warmers for extreme cold
  14. Matches in a waterproof container
  15. Fire extinguisher

What You Should Know About Workers’ Compensation and Working from Home

Amid Covid-19 pandemic, you may have found yourself in 63% of Americans working from home. Some researchers think that 48% of employees will continue to work remotely for a long time, at least part-time.
Working from home has pros and cons. What’s important, it raises serious questions on what would happen if an employee becomes injured while performing work at home.

Workers’ compensation laws vary by state. Generally, any business that has employees must buy workers’ compensation insurance coverage. It’s designed to cover medical care and lost wages for an employee who is hurt at work.


If an employee is hurt on employer’s premises, they’re covered by the workers’ compensation policy. It provides coverage for injury or disease employees get in the course of employment. Most telecommuters are covered under their employers’ workers’ compensation coverage. This insurance isn’t tied to a specific building.


Common injuries remote workers experience include back sprains and strains, slips, and falls. The injury has to arise out of work-related activity, though, to be covered under workers’ compensation policy.

Should you have more questions about the insurance coverage for your business, please call us at  (773) 229 9891

When Should I Think about Life Insurance for the First Time?

Many life events could and should make you think about life insurance. A marriage. A child. A business. A new house…

Whatever that is, you decided to buy life insurance for the first time. And that might look like a challenge.

We can help ease your mind-simply read the following advice.

Continue reading “When Should I Think about Life Insurance for the First Time?”

Wanna Buy a Car Online? You Need To Know This

Starting with clothes and with groceries at the end, you can buy just about anything online nowadays. Some consumers would like to add cars to that list.

Buying a vehicle, for most of the people, is one of the most significant purchases one can make in a lifetime. That should scare them off the internet, right? Nonetheless, the market for online auto sales is growing rapidly. And for many shoppers, it becomes the preferable sales channel.

Continue reading “Wanna Buy a Car Online? You Need To Know This”

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