Category: Forest Facts
The Truth About Teen Drivers and Insurance
Posted: May 13, 2021
Illinois teens who took Driver’s Ed last fall will be eligible for their driver’s licenses this spring. Illinois teens who took Driver’s Ed last fall will be eligible for their driver’s licenses this spring. Let’s take a look at what goes into teen car insurance rates. Do teenage drivers increase premiums? In most cases, yes. After all, you’re extending your coverage to another driver—and not...
Water Backup Coverage
Posted: April 23, 2021
Spring showers are coming. Do you have a backup plan? Water damage—resulting from backed up drains or failed pumps—is one of the most common homeowners insurance claims, ranking as the third most costly claim behind fire and liability lawsuits, according to the Insurance Information Institute. What is water backup coverage? A water backup and sump pump overflow endorsement on your homeowners or renters insurance provides...
Umbrella Insurance Explained
Posted: March 26, 2021
An umbrella policy picks up where the liability limits of your homeowners and auto policies leave off, and is an extremely cost-effective way to protect your hard-earned assets. Do you own a dog? How about a trampoline? Do you have a long commute? If you answered yes to any of those questions, you have a greater than average chance of being sued. You’re also vulnerable...
What to do if you have an ice dam
Posted: February 19, 2021
According to the Insurance Information Institute, water damage and freezing that can result from ice dams and other winter weather disasters account for almost 20% of all homeowners insurance claims. During a cold and snowy winter, ice dams can form quickly, staining ceilings and walls, dislodging shingles, decaying structural framing and causing water to back up into your home. According to the Insurance Information Institute,...
The Lower Premium Trap
Posted: November 18, 2020
Many insurers try to lure you with quick quotes and lower premiums, hoping you won’t notice suddenly missing or reduced coverages. Let’s face it, saving money is on everyone’s mind these days. But when it comes to insurance, well… you get what you pay for. Unfortunately, though, insurance can be confusing, and consumers may not fully understand exactly what they’re paying for. Believe it or...
