Does Homeowner’s Insurance Cover Your Home Based Business?

It is important to protect your home as well as your home based business. This means choosing insurance that works best for the type of business you are operating. This will ensure that you have less to worry about – and that you have financial protection should you need it.

Various types of insurance may be required – and it can be advantageous to speak to an agent where you can discuss the coverage as well as the limits.

General liability can protect you against lawsuits in the event someone injures themselves on your property or there is a case of negligence. Business property coverage can help to protect against loss of computers and various business assets that you have within your home.

If you have any employees that work out of your home as well, you will want to explore employment practices liability coverage. This can help to protect you against the various allegations of sexual harassment, wrongful termination, and various other employee issues.

Every business is a little different and you need to be aware of this. You may need to explore business continuation coverage, data compromise coverage, and even equipment breakdown coverage. By choosing the various levels of coverage that are needed for your individual business, you can protect it significantly more than relying solely on your homeowner’s insurance policy.

The gaps found within your homeowner’s policy needs to be dealt with. Not everyone has a home based business and therefore the insurance is bound to be different.

Contact us today to learn more about homeowner’s insurance and the insurance coverage that you need for your home-based business in Illinois. At Martin Insurance Team, our insurance agents are prepared to help you find a policy that makes sense – and contact multiple insurance companies on your behalf to help with the comparison process.


Power Out? You Can Do These Things

If the power goes out in your home in Evergreen Park, there are actually quite a few things you can do. The more you know and the more you prepare, the easier it will be to go about your daily routine, even without any kind of power.

There’s a lot you can do, and much of it is about preparing.

  1. Freeze water bottles so you can keep the freezer and fridge food colder for longer.
  2. Stock up on batteries so you can replace them as needed within fans, flashlights, and even electronics.
  3. Buy food that doesn’t need to be heated or refrigerated.
  4. Invest in an emergency radio so you can obtain emergency information as it is released.
  5. Have a few alternatives for heat, such as a fireplace, gas grill, or solar oven.
  6. Bottle jugs of water so you have them available.

When the power goes out, keep everyone calm. It doesn’t do anyone any good to freak out about the fact that there are no lights. Issue flashlights everyone in your family and gather everyone for a meeting.

You should have at least one week’s worth of food in your pantry so that you don’t have to worry about sustenance. If the electric company has not issued a timeframe in which your power will be resumed, you will want to ration the food to make sure it lasts as long as possible.

Bring out some board games, decks of cards, and even puzzles to keep everyone entertained. This will prevent restlessness and help to pass the time until the power comes back on.

Call and speak to one of our agents on the Martin Insurance Team today. We look forward to helping you find affordable home insurance and quotes from insurance companies throughout Illinois.



3 Reasons to Have Seperate Renters Insurance Policies

Having a roommate is a great way to save on expenses. Purchasing renters insurance is important in case of an incident. So, how do you determine whether or not to add your roommate to your existing policy or for each of you to have a separate one?

While most carriers allow up to two unrelated adults to share a policy, it is usually wise to each have your own. Here are three reasons to get separate renters insurance policies when you have a roommate.

Reason #1: Individual Coverage

One reason having separate renters insurance policies is important is that it provides individual coverage. This means that your policy only covers your personal property—not your roommate’s. So, if most of the items in your apartment belong to your roommate, then you aren’t having to pay extra for a higher coverage limit. Likewise, if you have more items than your roommate, you can ensure you have the appropriate level of coverage without having to worry about their stuff, too.

Reason #2: Separate Liability

Liability coverage is one major reason why tenants opt to purchase renters insurance. In the case of situations where a policyholder has a roommate, this is another area where having separate policies is important. If your roommate does something away from the house that is considered a serious liability claim, you are not responsible if you’ve taken the time to each have your own policies. If you are on a shared policy, then you would be considered liable.

Reason #3: It Keeps You from Being Connected

Another reason to consider having a separate renters insurance policy than your roommate is that it keeps you from being connected. This means that if one of you ever moves out or you are no longer on good terms, your insurance coverage (and any resulting claim checks) is not tied together.

Learn more about renters insurance and how having a policy can protect you. Contact us at the Martin Insurance Team LTD today for a no-obligation quote.

Winter Activities For Kids To Do Indoors

When you live in Evergreen Park, Illinois, it’s important to have some winter activities planned for the kids to do indoors when the weather is just too cold to go outside. The kids may be home for several weeks, so the more you have planned, the easier it will be to keep everyone happy.

Arts & Crafts

It’s always a good idea to have some arts and crafts supplies around. Regardless of age, kids want to express their creativity and having kits and paper, markers, and other things around can make it easier. To give kids an idea on what they can make, you can choose a category, such as:

  • Holiday gifts
  • Decorations
  • Ornaments
  • Necklaces

It doesn’t matter what it is – but it’s a great way for them to use their mind to create something unique.

Have a Party

You’re probably not the only parent around who is trying to think of ways to keep the kids occupied. Throw a party and invite a bunch of your kids’ friends. The theme of the party can be dance, pajamas, s’mores, or anything else that you can think of.

Create a Story

Tis the season for reading a lot of different holiday books. Instead of reading the same ones over and over again, let your kids write their own. It can be about a specific holiday or about winter in general. Then have them illustrate the whole story and share it with you one evening before bed. It may become your favorite tradition during winter break.

Get creative and do things that your kids love to do. Have plenty of supplies on hand so they can jump from one activity to the next without growing bored.

Call the Martin Insurance Team today to learn about homeowner’s insurance. We can talk to you about coverage, quotes, and more.



As a Tenant in Palos Heights, IL, You Need Renters Insurance

If you rent an apartment in Palos Heights, IL, you should have renters insurance. Everyone who rents should have this type of insurance. Here’s why, along with how Martin Insurance Team can help you find a policy.

Renters Insurance Protects Tenants

As a tenant, you shouldn’t rely on your landlord’s insurance to protect you. Your landlord’s insurance policy covers your landlord; it doesn’t include coverage for you. Your landlord’s insurance might insure the building you live in, but it won’t insure your belongings or provide you with liability coverage.

Renters insurance is designed to protect you, insuring the things that your landlord’s insurance doesn’t. For instance, a renters insurance policy might afford you the following protections (depending on the terms):

  • personal property coverage
  • medical payments coverage
  • personal liability coverage
  • damage to others’ property coverage

A renters insurance policy that has these protections will protect you from a host of risks, which may include fire, vandalism, theft and other perils.

Renters Insurance Is Inexpensive

Renters insurance policies are generally inexpensive and at Martin Insurance Team we can help you find the lowest-priced policies available in Palos Heights, IL. We have a team of independent insurance agents who are licensed in Illinois and serve Palos Heights. As licensed, independent agents, we can compare policies from every insurer in Illinois and show you how much each company prices their policies at. You’ll be able to choose the lowest-priced quote that we can find.

Shopping for renters insurance only takes a few moments once our agents begin comparing quotes. To get started, contact our agents through our website. They’ll quickly get started helping you find an affordable renters insurance policy.


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.

home insuranceagency

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.