3 Ways to Protect Your Home Against Water Damage

Every year, water damage accounts for many of insurance claims that homeowners throughout Illinois file. In a large number of claims, the source of the water damage is within the home – and quite preventable. Here are three ways you can reduce the likelihood that you’ll have water damage in your home this year.

Protect Your Home Against Water Damage

Protecting your home against water damage mainly involves guarding against potential leaks. To prevent leaks and minimize the damage they cause, you can:

  • familiarize yourself with your home’s main water supply, and find out how to shut it off
  • check your appliance’s water supply lines monthly for cracks or breaks
  • re-caulk your showers and bathtubs every six months

Checking lines only takes a few minutes, but re-caulking showers and bathtubs can be a project. You only have to do this once in a while, though, and it’s an important way to prevent water from leaking and causing serious damage to your home.

Find Insurance with Water Damage Coverage

Many homeowners assume that their insurance policy includes coverage for water damage, because many policies do include this coverage. Not all policies protect against water damage and among those that do, some have deductibles that make filing a water damage claim impractical.

If you’d like a homeowners insurance policy that provides adequate protection against water damage, contact us at Martin Insurance Team. Serving Palos Heights, IL, homeowners insurance agents at our office have helped many homeowners in the area find insurance policies that include water damage coverage. They’d be happy to help you shop around for a good policy, too. Since we only have independent insurance agents, you can trust our agents to find the most robust and affordable policies available. To speak with an agent, call our office today.

 

How To Buy Life Insurance In Palos Heights

Buying life insurance in Palos Heights, Illinois is one of the most important things that you can do. It protects you and your family in the event of your death.

There are several things that you need to know about buying a policy.

  1. Know your options – Various types of life insurance are out there. This includes term life, whole life, and universal life policies. Each one offers various pros and cons that you will want to explore. Term life for example can range between 5-30 years, while whole and universal life is designed to check you for your entire life. Whole life can also provide you with retirement benefits down the road.
  2. Determine the award amount – The award amount is the amount given to your beneficiaries upon your death. You can keep it simple with approximately $50,000, or go all the way up to $1 million. You will need to determine how much your family needs to cover such expenses as college, debt, home, and more.
  3. Ask questions – Ask questions about life insurance from your insurance agent. Get guidance so that you can make responsible decisions about the best policy for you and your needs. Don’t be shy to ask for pros and cons about whole versus universal life, and gain a full understanding about what it is that you are ready to buy.
  4. Compare quotes – Compare quotes from multiple life insurance companies. While many different companies offer term, whole, and universal policies, the price can vary dramatically and you want to get the best possible price so that it works within your budget while protecting you at the same time.

Call us at the Martin Insurance Team to learn more about life insurance. We can get you quotes to find an affordable policy.

 

Tips To Buying Life Insurance In Palos Heights

Buying life insurance is something to consider in Palos Heights. It allows you to have the coverage for yourself in the event of your death. The benefit will then go to the family members you have designated as dependents so that they have the money to go on.

The money that your family can receive as a result of life insurance can be used for burial expenses, living expenses, paying off debt, sending kids to college, and more.

When you buy life insurance in Illinois, there are tips to follow to ensure you get the best policy possible for the money.

  • Compare the difference between term, whole, and universal life insurance policies.
  •  Decide what amount you want for the policy as you want to provide sufficient coverage for your loved ones.
  •  Make comparisons between policies between several different life insurance companies as the offerings and costs can vary dramatically.
  • Work with an independent agent to ensure all of your questions are answered sufficiently.

When you work with an independent agent at Martin Insurance Team, we will make comparisons on your behalf so you have all of the most relevant information at your fingertips. We can also help to figure out what amount your policy should be written for based upon present and future goals as well as your budget.

There are many options out there and you want the best policy that you can afford. By following a few basic tips, you can ensure you have a life insurance policy that will work best for you as well as the rest of your family.

Call and talk to one of the agents at the Martin Insurance Team today. We will help you to find a life insurance policy that works best for you in Palos Heights, Illinois.

 

Can I Get Quotes For Home Insurance?

Evergreen Park is a large village in Illinois with a lot to offer its residents. There are many parks, historic landmarks that date back to the early 1800s, and much more. The economy is booming and many people choose to stay within the area for work, contributing to the local economy and making it stronger.

When you are ready to buy home insurance or even switch to another policy, it’s a good idea to work with an agency. We have independent agents to help you throughout the whole process.

You can get quotes on what home insurance will cost you in Evergreen Park so you know how much insurance is actually going to cost. It’s important to make comparisons between the different companies so you know who is offering what and avoid paying more than what is necessary.

When you get quotes on insurance, it can also help you to determine the level of coverage you can afford. Almost anything can happen to your home in Illinois and you want to be prepared against it all. This includes looking at coverage for:

– Personal injuries

– Fire

– Theft

– Flood

Since you don’t know what could happen, you want a policy that is going to cover it all. This way, if something happens, you can file a claim and be confident that it will be paid. It will reduce the amount of money out of your pocket and your home can be repaired and various items can be replaced.

Start working with our independent agents today. We can get quotes for you in Evergreen Park so you know the coverage options and how much the various insurance companies are going to charge. We’re a home insurance agency you can rely on to give you the necessary details.

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Carpet Damage: Will Home Insurance Cover It?

Evergreen Park, Illinois is a village with close to 20,000 residents. It has had a number of notable people, including athletes, singer-songwriters, and authors. There are many things to do within the area, including art galleries and museums, which is one of the many reasons residents choose to call this village home.

When you live in Evergreen Park and you are ready to shop for home insurance, you want a policy that’s cheap while still providing you with protection.

Carpet damage can happen at any time. It could become damaged as a result of a fire, grow mold because of a flood, or even start to tear apart because of foundation problems. When something happens, you want the home insurance company to cover the repairs and replacement because carpet is not cheap.

Your home in Evergreen Park can be protected against a lot. It’s all a matter of finding a policy that has the coverage levels you need. It’s important to read the fine print of a policy to see when carpet damage is and isn’t covered. Things like normal wear and tear and pet stains won’t be covered. However, there may be other instances when it won’t be covered as well and it’s always important to know these things ahead of time.

Instead of finding out what isn’t covered after you file a claim in Illinois, you can make sure you have a premium policy to begin with. We have agents to walk you through the process of finding coverage and getting quotes so you can make comparisons and get a cheap policy whenever possible.

We are independent agents and therefore work with multiple companies in the country. Contact us today so we can help you find the policy needed to stay protected in Evergreen Park.

4 Household Items You Must Insure in Evergreen Park, IL 60805

You hear about neighborhood thefts, but never think your home in Evergreen Park, IL 60805 is going to be broken into. However, you have plenty of valuable items in your home that make you a target. The same can be said about a damaging storm that blows through and causes potential damage to your roof, resulting in interior damage of your home. One measure that you can take is to make sure that your items with high monetary and sentimental value are properly insured. Here are four things you must make sure you have coverage on:

  1. Jewelry – As a general rule, if you have expensive jewelry in the home, your standard home insurance policy is not going to cover the value of the pieces. It is important to have your jewelry appraised to find out if the value is within the limits of your policy. If it is not, then you may want to consider a separate policy to ensure that pieces are covered.

  2. Artwork – You’ve heard the saying, “A picture is worth a thousand words,” but some artwork is worth more than a thousand dollars. If you have an expensive art collection or even just one piece of valuable artwork, you probably want to consider a supplement policy if it isn’t covered under your home insurance.

  3. Electronics – You probably have 20 or more electronics in your home when you start counting the computers, iPods, tablets, stereos, DVD players, TVs and any other electronic device. If these items were lost, stolen or damaged, would you be able to replace them with no problem? There’s a slight chance that your homeowners policy won’t be large enough to cover all of those items, so you should check into extra coverage.

  4. Pets – So, maybe this isn’t necessarily a household item, but your pet means a lot to you. Although there is no dollar amount that can be placed on your furry friend, you do want to make sure you can take care of him if he gets sick. You may want to speak to your independent agent about a pet-related liability policy.

The great thing about insurance is that it brings security and peace of mind. You can finally close your eyes and rest easy when you have adequate insurance under your belt. Contact your independent agent in Evergreen Park today to see how you can get started on checking on your current homeowners insurance coverage and adding the aforementioned overlooked policies to your plan.

6 Threats You Are Faced with as a Homeowner and How to Prepare Your Home

As a homeowner, you may know some of the risks that you face. Some of you may not. Either way, it’s likely that you may not be aware of how you can protect your home from any one of these unfavorable disasters. Here are five different threats that you and your home may face here in Evergreen Park, IL:

  1. Hail and High Winds – The best thing that you can do here is to keep any trees that surround your home properly trimmed and pruned. You may also want to consider having exterior shutters installed for additional reinforcement for your windows.

  2. Lightning – When major storms come through Illinois, they bring a lot of lightning. Make sure that your surge protector and power strips in the home are all UL approved and tested. It’s always best to unplug electrical appliances and items that are not needed when a storm is coming in.

  3. Fire – One of the most common reasons a house catches on fire is because of an unattended pot or pan on the stove. Never use water when a fire occurs in the kitchen. In addition, you want to avoid plugging too many devices into any power strip. This can easily cause an electrical fire.

  4. Theft – To help prevent theft, make sure you have plenty of exterior lights. If you aren’t going to be home, put your lights – interior and exterior – on a timer to make it seem like you are home. Don’t forget to hold your mail as well and ensure all doors and windows are securely locked.

  5. Liability – If you have a swimming pool, make certain that it is fenced in. It should also have adequate lighting. If you have a dog, make sure it is always on a leash and is not allowed to approach strangers.

  6. Flood – When a big rainstorm approaches, it isn’t uncommon for your basement to flood. You may also have to deal with a sinking foundation or damage to your porch. Proper drainage is essential to avoid this type of damage.

Every homeowner has their own set of risks, but these are some of the most common. All of these can impact homeowners here in the Evergreen Park, IL 60805 community. If you aren’t sure what risks your homeowners insurance covers, get in contact with one of our independent agents today so we can discuss your policy.