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How Does Rideshare Insurance Work? Answers to Your Questions

Thu, 27 Jul 2023 20:14:31 GMT

Do you supplement or replace your income through ridesharing services? Are you considering adding this gig work option to your schedule? If so, proper insurance coverage becomes more complicated. To protect yourself, your passengers, and your finances, you need to know all your options and how to choose among them.

Rideshare insurance is one of the most important of these options. Here are some answers about how it works.

Is Rideshare Insurance Required?

Each state decides the rules about what insurance drivers must carry. In Illinois, both the rideshare driver and the company they work for must have liability insurance. However, the driver isn't necessarily required specifically to have their own rideshare insurance, which can leave gaps in coverage.

In addition, the minimum required coverage for personal auto policies is set by law at a standard number—including both bodily injury coverage ($50,000 per passenger and $100,000 per incident) and property damage liability if the driver is at fault.

When Does Rideshare Insurance Kick In?

Rideshare insurance is designed to work alongside personal car insurance, not to replace it. There are specific parameters that outline when and why the rideshare portion of any insurance coverage kicks in. In general, it covers any period when you have accepted a ride and are traveling to pick up the passenger or when they are in the car.

However, waiting periods may or may not be included in specific policies. These are gray areas, especially if you have not yet logged into an app or are driving to an area to wait for rides. Personal auto insurance carriers may not want to cover accidents during these unique periods. Every driver should read the fine print of all their policies.

Can't You Just Not Tell Your Insurer?

Business activities are generally excluded from personal insurance coverage. So, budget-minded rideshare drivers may be tempted to simply not tell their insurer that they are performing the services. However, the insurer will investigate claims if it must pay out, and it can deny those claims by you or your passengers if you’ve withheld information about the car use—putting you in personal financial jeopardy. It may also terminate your coverage.

What About the Company's Insurance?

Rideshare companies may provide some insurance coverage for drivers who work independently under their oversight. They may, in fact, be required to do so—as they are under current law in Illinois. But is that insurance sufficient for your needs? It may not be. Insurance provided by a separate company is designed to protect their interests, not yours.

First, as mentioned, their insurance may only cover certain parts of your rideshare time. The companies also often charge a high deductible of thousands of dollars. You may be able to get lower deductibles or cover that deductible under out-of-pocket reimbursement under a private policy. Finally, company insurance usually doesn't include other features like roadside assistance in an emergency.

Can You Bundle Personal and Rideshare Insurance?

Many insurance carriers now provide rideshare insurance in a bundle with personal auto insurance. It can be either a rider attached to the personal policy or a separate policy of its own. Some of these companies mandate that you must have personal auto insurance from them if you want rideshare insurance.

There is an advantage to this. You must deal with only one company if anything happens—no matter what, when, or how. The right two policies fill in each other's gaps and generally operate under the same rules. You can get better prices through bundling, and you have a reputable insurer you already trust.

Whether you're considering taking the rideshare plunge or have already done so, now is the time to ensure you are fully protected against financial loss. Meet with the insurance professionals at Clover Insurance . We'll design a combination of insurance coverage to meet all your needs, both business and personal. Call today to make an appointment.

Auto Insurance for Rideshare and Delivery Drivers

Thu, 27 Jul 2023 19:28:10 GMT

Are you a rideshare or delivery driver? If you make your living by driving other people around town, take a look at what you need to know about auto insurance and your coverage options.

Do Rideshare and Delivery Drivers Need Auto Insurance in Illinois?

Yes. Auto insurance that meets the specific minimum standards is a requirement in every state. Like the other states, Illinois has laws that spell out what the state minimum requirements are for motor vehicle owners and operators.

Every Illinois resident who owns or operates a vehicle must purchase a policy that includes $25,000 per person in an accident and $50,000 total for bodily injury coverage, $20,000 for property damage coverage, $25,000 for a person and $50,000 for an accident uninsured motorist coverage, and underinsured motorist coverage—whether they work as a rideshare or delivery driver or not.

With many rideshare companies in the United States, drivers need to carry their own insurance policies that meet the state's minimum coverage requirements. If you drive in Illinois without the minimum coverage, you could face fines and a vehicle registration suspension.

Not only are the penalties for driving without insurance costly, but they could put you out of work. A vehicle registration suspension means you can't legally drive your car. For a rideshare driver or delivery driver, this equals time without pay.

There are some circumstances when the company's insurance can cover the driver. But this does not mean the driver will not need to have their own policy. While the specifics of coverage vary by company, most rideshare companies have third-party liability insurance that only kicks in when the driver has the app on. Outside of this time, the driver must use their own insurance policy.

If you are a delivery driver and not a rideshare driver, you may have full company coverage. Drivers who use company vehicles are often covered under the employer's commercial policy. In some cases, drivers may need their own commercial use policy. The type of insurance you need depends on where you work, your employer's existing policy, whether you drive their car or your car, and your existing insurance coverage.

Do You Next Extra or Special Insurance To Work as a Rideshare or Delivery Driver?

No. But you may not want to only choose the state minimum coverage in Illinois. Even though the protection you get through the liability (bodily injury and property damage), uninsured motorist, and underinsured motorist coverages can significantly offset the costs of an on-the-job accident or incident, you may want to choose a policy that goes beyond the state minimum coverage.

Extra coverage or a higher dollar amount type of coverage can protect you, your automobile, and your livelihood. You may also need to cover gaps that your insurance and your employer's insurance leave behind. Additional coverage can reduce your financial risks and help you to protect professional assets, such as your car.

Where Can Rideshare and Delivery Drivers Get Insurance in Illinois?

If you are not sure what type of insurance you need or what the best coverage for your job is, or have other questions, contact a licensed, qualified insurance agent. An Illinois auto insurance agent should have the knowledge and experience to help you choose a policy. Make sure that the company or agent provides insurance to rideshare and delivery drivers—especially if you need or want to buy extra coverage.

Do you need a new auto insurance policy right now? Contact Clover Insurance Agency for more information. We will be happy to go over any questions or concerns you may have. We look forward to helping you!

Do You Have an Attractive Nuisance? Why It Matters for Insurance

Mon, 26 Jun 2023 16:32:59 GMT

Homeowners insurance is designed to protect not only your house but also the belongings in it. And for the most part, the insurer is just concerned with the value of that property in case it needs repaired or replaced.

However, there is a special class of property which insurers have much different interests in. These parts of your home—known as attractive nuisances—may raise your rates or even result in trouble getting insured. Here's what you need to know about them.

What Is an Attractive Nuisance?

The term attractive nuisance refers to an item on a piece of real estate which is more likely to draw in children and other vulnerable persons. This is why they are termed as being attractive—they're likely to attract little ones. However, these items are also nuisances because they present a higher risk of injury to those same children.

One of the most common attractive nuisances is a swimming pool. It's easy to see how children and vulnerable people could easily be drawn to the yard with a pool and get injured or even die. Extra steps must be taken to protect these individuals.

Why Are Attractive Nuisances Insured Differently?

So, why does an attractive nuisance matter to your insurance company? The simple answer is that it increases potential financial liability rather significantly. The insurer of the home with a swimming pool has much more risk of a big insurance payout versus the home next door with no pool.

In addition, children and the vulnerable are not legally expected to exercise the same level of reasonable caution as an average adult. The homeowner and their insurer may not be held liable for negligence if a neighbor hops into their pool while they're on vacation, but the same is not true if the neighbor's child does so. The child is not always expected to know better or act defensively.

What Are Some Attractive Nuisances?

As mentioned, swimming pools and hot tubs are some of the most common attractive nuisances. But they are not the only ones. Other yard elements that may qualify include things like:

Tree houses
Nonworking vehicles
Construction zones
Trampolines
Old appliances
Playground equipment
Yard water features
Zip lines
Weapons

Each insurer has their own policies regarding some or all of these, so never assume that how one handles it determines how others will.

How Can You Minimize Insurance Problems?

There are a few steps any homeowner can take to protect themselves and others. The first is to get rid of attractive nuisances which you don't need. Take old cars or appliances to the junkyard and pocket the money. Clean up half-completed yard projects and put away all your tools. Lock weapons in a proper safe. Remove your child's old, unused playground.

Next, learn about insurers' coverage for attractive nuisances which you plan to keep. If your heart is set on a tree house, pool, or spa, be upfront about its presence on your property. Talk with your agent about how it may affect coverage. You may simply need to budget for a higher premium or the pool of insurers may be somewhat different. However hiding it could result in a huge problem if something happens.

Finally, take steps to reduce the risk. Install an appropriate pool fence that exceeds safety standards. Install motion sensors and cameras to alert you to kids on your property. Put that old car in the garage. Or create a safety lock for your backyard zip line. These steps may reduce your insurance premiums.

Do you have an attractive nuisance? Planning to add one? If so, learn more about how it may affect your homeowners coverage. Meet with Clover Insurance today to learn more. No matter what your insurance challenges, we're here to help you solve them.

How To Maintain Your Personal Car Insurance Coverage

Wed, 17 May 2023 16:00:09 GMT

Your car insurance coverage is good only as long as it is valid. A cancellation or non-renewal prevents you from benefiting from your insurance in case of an incident or accident. Additionally, a number of things can prevent the insurance company from honoring your claim. Below are some tips to prevent such things and ensure your coverage's continued validity.

Renew the Coverage in Time

Your insurance coverage is a contract between you and the insurance company. The insurance company's obligations include compensating you for the relevant losses. Your obligations include paying your premiums on time. Thus, the contract becomes void, and the insurance company can terminate your coverage if you fail to pay your premiums on time.

Here are a few tips to help you pay your premiums on time:

Set up automatic payments so you don't have to remember and process them every month.
Budget for your insurance payments to ensure you have the money every installment period.
Understand your carrier's payment terms and grace periods and adhere to them.
Set up reminders to alert you if your insurance is about to elapse.

Inform your insurance company if you want to cancel your policy and follow the relevant procedures; don't just stop the payments.

Provide Full and Accurate Information

The insurance industry works best if everyone is forthright with their information. For example, your insurance company uses your information to understand your risk exposure and calculate your risks. Some of the information your insurance needs include:

Your residence
Information on drivers in your household
How you use the car
Your driving history
Your age

You might lose your coverage if the insurance company detects a material error in your information. For example, you may lose coverage if you buy personal insurance for a business car.

The insurance company will mention the specific information to provide during coverage purchase or renewal. Confirm the information's accuracy because even an honest mistake might jeopardize your coverage.

Report All Relevant Changes

The initial information you provide to your insurance company may change over time. For example, you may relocate, get married, change cars, or have more people driving your car. Your insurance company expects you to furnish it with such changes so it can update your profile. Some changes may affect your rates, but the insurance company still needs it.

Consider a case where you lose your job and move to a neighborhood with high incidences of car thefts. Inform your insurance company about the relocation if you want to keep your policy. Otherwise, the carrier may use nondisclosure to cancel your policy.

Minimize Incidents, Violations, and Accidents

Your insurance policy protects you from losses related to your car. The protection costs your insurance company money through legal defenses, claim settlements, and accident investigations. Therefore, the protection is limited, and you may lose your coverage if you accumulate numerous claims within a short period.

Avoid criminal activities that might jeopardize insurance coverage. Car-related criminal activities are even more dangerous. Such crimes include:

Insurance fraud
Vehicular homicide
Reckless driving
Hit-and-run accidents

You should do your best to avoid auto collisions, car theft, and vandalism. For example, you should park in safe places, learn and practice safe driving techniques, and maintain your car to ensure it's always roadworthy. Lastly, evaluate claims and only file significant ones; settle minor losses out of pocket.

Hopefully, the above information will help you retain and benefit from your car insurance coverage. When you have concerns or questions, contact Clover Insurance for help with all your insurance-related issues. We can help you whether you need conventional, rideshare, or SR-22 auto insurance. We have over four decades in the industry and promise to use our experience to improve your insurance experience.

Three Questions You Should Ask Before Filing Homeowners Insurance Claims

Tue, 18 Apr 2023 19:28:57 GMT

When should you file a homeowner's insurance claim—and when should you use another type of coverage? If you're not sure whether your current claim falls under the homeowner's category or not, take a look at what you need to know about this type of policy, what it helps to pay for, and what it won't cover.

Should You File A Claim After Minor Damage?

The answer to this question depends on if the damage really is minor. Homeowner's insurance policies have deductibles. Some types of coverable claims may cost less to repair than the total of deductible. This means filing a claim could cost you more overall than if you didn't use your coverage and paid out-of-pocket.

But you can't always tell when a home repair could or would cost less than an insurance deductible. What may seem like a small home issue may cost more than you would expect. This makes it important to understand home repair costs, deductibles, and your options.

Can You File A Wear and Tear Claim?

Damages caused by normal use typically won't fall under a homeowner's insurance policy. This extends to damage caused by other factors (such as snow or rainstorms) that is the direct result of neglect. If you fail to maintain your home adequately, homeowner's insurance may not cover some types of damage.

Was There A Flood?

While homeowner's insurance will pay for many weather-related types of repairs, most policies will not cover flood-related damage. Whether snowmelt caused water to enter your home, the product of a spring/summer storm is now in your basement, or another natural water source flooded your home, don't expect a regular homeowner's policy to pay for the restoration costs.

Should You File A Claim for Landscaping and Other Outdoor Features?

An insurance policy may pay for more than just the structure of your home. According to the Insurance Information Institute, most policies cover up to $500 for trees, shrubs, and other similar plants. But each policy and company differs in coverage. If you aren't sure whether your homeowner's policy covers landscape damage as the result of a natural disaster, theft, or vandalism, contact your agent. An insurance agent can review your policy and help you to understand what is (and isn't) covered.

Should You File A Claim for Furniture?

Landscaping, furniture, and other belongings may also fall under your homeowner's insurance coverage. If a fire, non-flood natural disaster, or vandalism is at fault for the damage, it's likely a homeowner's policy will pay for at least some of the costs. Again, different policies have different rules. Make sure that your coverage extends to the belongings inside of your home before you file a claim.

What Happens If You Can't Stay In Your Home?

Some policies pay for additional living expenses. If your home is unlivable or you need to stay away during the restoration/repair process, it's possible your policy will help you to pay for some of the costs related to hotel bills or food.

This coverage varies by policy. But, if your policy includes it, additional living expense coverage can significantly offset costs after major home damage.

Should You File A Claim for An Injury?

A fire, storm, theft, or other covered issue causes damage to your home. But that's not all. You also sustain an injury during the disaster. Should you file a claim under your homeowner's or medical policy?

The decision to file a claim depends on the type of injury, whether the homeowner's policy covers personal injury, which policy will cover your medical expenses, and which coverage will pay more. You will also need to consider insurance deductibles and copays.

Do you need to buy a new homeowner's insurance policy? Contact Clover Insurance for more information.

Upgrades That Impact Your Homeowners Insurance

Thu, 09 Mar 2023 22:44:45 GMT

Home upgrades can boost the value of your property and make your home more comfortable. But some of the upgrades may also impact your homeowners insurance premiums. Explore common home upgrades that impact your homeowners insurance.

Home Security System

The chances of a break-in or theft decrease when you upgrade your home's security system. The lowered risk can encourage your homeowners insurance provider to discount your premiums. The discount depends on the insurance company and the type of security system. The following safety features can reduce your insurance rates:

Burglar alarms. Burglar alarms that are loud enough for your neighbors to hear can improve your home's security and attract a small discount from the insurer. Some alarms can even automatically alert the police about an ongoing break-in or a fire breakout.
Deadbolts. A deadbolt on just the front door may not lead to an insurance discount, but installing deadbolts on all your exterior doors could result in significant insurance discounts. Some insurance companies also encourage homeowners to include facial recognition and keypads.
Home monitoring and security system. A round-the-clock monitoring security system that includes CCTV cameras, fire detectors, and smoke detectors can attract a large discount on your insurance payments. Some smart monitoring systems even have motion sensors that can detect a break-in.

If your neighborhood converts into a gated community, you can also get a discount due to the increased security associated with living in a gated community.

Wind Retrofitting

Hail and wind are common causes of damage in many places in the US. Certain upgrades, such as storm shutters, impact-resistant glass, and storm-safe windows, can protect your home against the adverse effects of hail and wind. Such is especially important if you live in a region with high wind risk. Once you do these upgrades, explore discounts from your insurance company.

Swimming Pool

The typical homeowners insurance typically has liability coverage to pay for the medical costs of a person who sustains injuries on your property. The liability coverage can also cover the attorney's fees if the injury results in a lawsuit. One of the things that can increase the risk of injuries on your property is a swimming pool. The risk of injury is especially greater if your swimming pool has a slide or diving board.

While a swimming pool is a luxury in any home, it can greatly increase your insurance premiums. You can reduce the premium slightly by installing a fence around the pool. Installing a safety cover can also reduce your homeowners insurance premiums but can increase the swimming pool's installation cost. Some homeowners can also choose an umbrella insurance policy to cover the increased liability.

Roof Replacement

The roof protects you and your family from extreme weather elements, but these elements can cause your roof to wear and wear over time. If your roof has sustained substantial damage, your insurer may increase the insurance premiums. The risk of a claim increases for damaged roofs. For example, missing tiles and worn-out shingles can lead to leaks that further damage a home.

You may choose to upgrade your roof because it is approaching the end of its maximum longevity. The lifespan of your roof depends on the material, and insurers often know when a specific roofing material nears its lifespan. When you replace a roof, your insurance premiums may drop. The discount depends on the type of material that you use on your new roof.

Your homeowners insurance premiums also depend on the type of insurance company you choose. Clover Insurance Agency provides affordable insurance for homeowners and car owners. Our different coverages include SR-22, auto, homeowners, and rideshare. Contact us to choose your preferred insurance policy.

A Guide to SR-22 Insurance for Drivers

Wed, 15 Feb 2023 16:22:02 GMT

All motorists require car insurance to compensate third parties for injuries and damages in case of accidents. However, some motorists require SR-22 certificates as car insurance. Below is an overview of SR-22 insurance.

What Is SR-22 Insurance?

People refer to SR-22 as insurance, but it is not an insurance policy in the term's traditional meaning. Rather, SR-22 is a certificate proving that your auto insurance policy includes adequate liability coverage. You need to produce the document upon demand by the relevant authorities.

Some states, but not all, require SR-22 insurance for drivers with specific driving history. The rationale is that these drivers are more likely to cause an accident than an average driver. A driver without adequate insurance coverage can cost accident victims a lot of money if the driver doesn't have insurance coverage.

SR-22 insurance certificates come in various types.

Owner

Like the title says, you need an owner SR-22 if you own a car, the car is in your name, and you have insurance for the car. The SR-22 proves all this information to the authorities. Note that an owner SR-22 only protects the owner of the car and not others who may drive the car.

Non-Owner

You don't need to own a car to buy car insurance. Similarly, you don't need car ownership to buy an SR-22 certificate. You can drive a car, and you need insurance whenever you are behind the wheel, regardless of the car's ownership. A non-owner SR-22 certifies that you have adequate liability coverage and need it whenever you drive a car you don't own.

Owner/Operator

Say you own a car and need an SR-22 certificate to drive, but you are also likely to drive cars you don't own. Get an SR-22 certificate that covers you irrespective of the car you drive.

Who Needs SR-22 Insurance?

The government requires an SR-22 certificate from anyone whose driving history might show irresponsible behavior. Below are some behaviors that might trigger the SR-22 requirement.

Driving Without a License

The government requires everyone to have a driving license before driving. The driving license certifies that you know how to drive safely. Who knows whether you are a dangerous driver if you are behind the wheel without a license? Thus, the authorities might order you to get SR-22 if they catch you driving without a license.

Driving Without Insurance

Anyone can cause an auto accident — even an experienced driver. For example, your car might fail and crash into other road users. The government requires liability insurance for all drivers due to this inherent risk of driving. Thus, a conviction of driving without insurance usually triggers an SR-22 certificate requirement.

Driving Under the Influence

The authorities can also order you to get an SR-22 certificate if they catch you driving under the influence of substances, such as alcohol. A DUI is risky since intoxicating substances impair judgment, reduce reaction time, and interfere with hand-eye coordination.

Incurring Multiple Traffic Offenses

A single traffic offense might not trigger an SR-22 certificate requirement. However, every additional traffic offense moves you closer to the requirement. The rationale is that a single traffic offense might be unfortunate, but multiple offenses show risky behavior.

How Can You Get an SR-22 Certificate?

Getting an SR-22 certificate is relatively easy. First, inform your insurance carrier that the government requires you to have the certificate. You have to buy insurance coverage if you don't have one.

The insurance company will apply for the certificate on your behalf at a fee. After processing the certificate, the Department of Motor Vehicles (DMV) will forward it to you via paper or electronic mail. Many places require you to get a new SR-22 certificate when you change insurance companies, but you still need to carry the certificate.

Clover Insurance Agency has over 40 years of experience in the insurance industry. Contact us if you need to file for SR-22 or purchase auto and home insurance. Rely on our expertise and experience to get you adequate insurance coverage at affordable rates.

How Does the Liability Coverage in Your Insurance Policy Protect You?

Mon, 23 Jan 2023 19:14:03 GMT

When most people think about insuring their home or vehicle, they instinctively think about protecting their own assets. And insurance is undoubtedly an important tool to minimize financial loss if someone else causes an accident or a disaster occurs.

But what about the protection from legal liability included in your policies? What is covered by insurance under standard insurance contracts? And what limitations does your policy have? Here are the answers to your questions.

What Is Liability Insurance?

Liability coverage refers to insurance that compensates you or pays for financial issues that arise if you accidentally cause harm to others. It is a cornerstone part of many standard homeowners and vehicle policies as well as many types of business owner coverage. The goal is to protect you from lawsuits over things like accidents on your property or unintentionally causing a crash on the road.

What Does Liability Insurance Pay For?

Each insurance policy is unique to its own wording and limitations. But in general, most homeowners, renters, and auto insurance policies pay for some common expenses if there is an accident.

These include the medical expenses of someone who was injured on your property or as a result of your driving, damages awarded or settlements agreed to in a personal injury lawsuit, the cost of an attorney if you are sued, and benefits for the surviving family if someone dies. Costs are covered up to the limits stipulated in your particular policy.

Is Liability Insurance Mandatory?

Most states require drivers and car owners to carry a minimum amount of liability insurance to protect those around them. In Illinois, for instance, motorists must purchase insurance coverage for at least $25,000 for injury or death of others if you're liable for an auto accident and $20,000 to cover damage to another party's property (like a car, home, fence, or business).

On the other hand, states generally do not mandate that homeowners or renters buy insurance that includes any liability coverage. If you have a mortgage, your lender usually does require basic insurance. However, this is usually coverage for the structure and property that secures the loan rather than coverage for your personal financial liability.

What Doesn't Liability Insurance Cover?

As with all insurance policies, liability coverage is limited. As mentioned, the limits in your particular policy specify the maximum the insurer will pay out. Beyond this, it's your responsibility. Consider the Illinois minimum of $25,000 for bodily injury to a person. Most Americans can easily see how easily medical costs or a lawsuit could exceed this number very quickly.

In addition, home- and auto-based liability insurance is meant to cover accidental and unwitting damage to others. So the insurer isn't likely to cover an accident where you intentionally hit your ex's new car or pushed some innocent salesperson down the front steps.

Finally, how you use your asset affects proper insurance coverage. Most policies exclude business use of a vehicle, including delivery or ridesharing services, as well as liability that occurs during a business activity like cutting clients' hair in your home.

How Can You Ensure the Right Coverage?

Clearly, good liability insurance protection is vital in today's busy world. You need to have sufficient coverage limits to pay for rising costs and potential personal injury lawsuit damages. If you have a side hustle or are self-employed, you may need to add business insurance. And with specific risk factors, like a large dog, you may need additional policies.

The best place to begin is in a meeting with a qualified insurance agent. Clover Insurance Agency has assisted your Illinois neighbors with all their home and auto insurance needs for more than four decades. Make an appointment today to get answers to your questions and help crafting the ideal liability protection.

Natural Disasters Covered by Homeowners Insurance

Tue, 13 Dec 2022 15:47:24 GMT

Natural disasters can strike at any time, and they often come with little warning. Homeowners insurance can provide vital financial protection in the event of a disaster, but you must understand what is and isn't covered.

You must read your policy carefully so that you know what's covered in the event of a natural disaster. This guide will explore some of the disasters a typical homeowners insurance policy may cover.

Tornadoes

Tornadoes are one of the most destructive natural disasters in the United States, capable of causing thousands of dollars in damage. Homeowners insurance typically covers damage caused by tornadoes, but there may be some limits and exclusions.

For example, many policies exclude damage caused by "wind-borne debris," such as trees or signs that are blown into a home by a tornado. Read your policy carefully and understand what is and is not covered.

Explosions

An explosion is typically a covered peril, which means that if an explosion damages your home, your homeowners insurance will pay to repair or replace the damaged property. While explosions are rare, they can cause significant damage to a home. If the explosion is caused by a gas leak or other unintentional act, it is likely covered by insurance.

Insurance should also cover an explosion caused by a riot or civil commotion. In addition, if you have to evacuate your home due to an explosion, your homeowners insurance will pay for your temporary living expenses.

Lightning

Lightning is a giant spark of electricity that can reach temperatures of up to 50,000 degrees Fahrenheit. It's one of nature's most powerful forces, and it can cause serious damage to homes and other structures.

While damage from lightning is relatively rare, it can be devastating when it does occur. In addition to causing fires, lightning can also cause electrical surges that can damage appliances and other electronics. Homeowner's insurance typically covers both the cost of repairing the damage and replacing any destroyed belongings.

Volcanoes

While many of these volcanoes are located in remote areas, some are located near densely populated areas, making them a potential danger to thousands of people. Homeowners insurance will usually cover damage to the dwelling and personal property caused by a volcanic eruption. However, you may have to buy extra coverage for things like landslides and mudflow, as these can often be excluded from standard homeowners policies.

Hurricanes

Homeowners insurance policies typically cover hurricane damage, but limits and exclusions may exist. For example, most policies will not cover damage caused by storm surges or flooding. If you live in an area prone to hurricanes, you may want to purchase additional coverage, such as flood insurance.

Fire

Homeowners insurance policies typically cover damage caused by fires, regardless of their cause. That means that whether a fire is started by faulty wiring, an unattended candle, or an errant spark from the grill, your home will be protected. Coverage typically extends to other structures on your property as well, such as detached garages and guest houses. In addition, most policies cover the cost of temporary housing if your home is uninhabitable due to fire damage.

Winter Storms

Winter storms can cause a lot of damage to your home. Heavy snowfall can collapse roofs, and high winds can knock down trees and power lines. Ice buildup can cause gutters and drains to back up, and ice dams can form on your roof, damaging shingles and causing water to leak into your home. Frozen plumbing or heating systems can also lead to costly repairs.

Homeowners insurance can help to protect you from the financial devastation that can be caused by natural disasters. Remember that not all insurance policies are created equal. Make sure to contact us today to find out more about the coverage we offer and how we can help you tailor a policy that meets your specific needs.

7 Ways to Reduce Car Insurance Premiums

Thu, 10 Nov 2022 17:39:28 GMT

Car insurance is a legal requirement for every car owner. But the cost of car insurance differs from driver to driver and depends on several factors. So whether you want basic or complete auto insurance, you need the best deal possible.

This blog post provides tips on how to save money on car insurance.

1. Use Multi-Car Discounts

If you have multiple cars, insure them with one company to get multi-car discounts. The insurance company will usually be glad to lower your premiums because they can get more business from you.

You can also arrange for other household drivers to get auto insurance from the same insurance company. That way, you can jointly negotiate for reduced rates.

2. Ask for Higher Deductibles

A deductible is the amount of money you have to pay before you receive any payment from the insurance policy. If your deductibles are higher, your premiums will be much lower.

For example, the cost of comprehensive coverage can reduce by up to 30% when you increase the deductible to $500, according to Forbes. Nevertheless, have a budget to pay for the deductible in case you get a claim.

3. Have a Good Credit Record

Insurers usually believe that individuals with good credit scores have fewer auto claims. To enhance your credit score, settle bills in time and avoid having too much debt.

Also, if any errors occur on your credit record, request the relevant agencies to make the appropriate corrections and keep your records accurate.

4. Change Your Coverage

Frequently re-evaluate your insurance policy to know if you get the best deal. For example, when you buy a new vehicle, the car loan lender might ask you to get comprehensive auto insurance coverage. This policy may not be the best once you finish paying off the loan. Therefore, ask for quotes from other insurance companies.

5. Improve Your Driving Record

Speeding tickets, DUIs, and other road violations can harm your reputation with insurance companies. If you already have the offenses on your record, you can do little except wait for them to go away.

However, you can change your driving habits so you do not commit additional violations. When your driving record improves, request lower insurance premiums from the insurance company.

6. Explore Car Insurance Discounts

Insurers often offer several car insurance discounts that can significantly lower your insurance premiums. Explore some of the discounts you should consider:

Vehicle safety discount. Safety features like airbags and antilock brakes can attract a discount.
New car discount. If your vehicle is relatively new, you can get a discount of up to 15%.
Good student discount. If you are a full-time student aged 16 to 25 and have an average score of at least a B, you can get up to a 25% discount.

Always reach out to your insurance provider to inquire about the latest discounts.

7. Drop Coverage You Do Not Need

Sometimes, you can pay for insurance that will not help you in any way. For example, you may have gotten a rental car reimbursement policy when you had one car, yet you have since bought an additional car. Similarly, if you get roadside assistance services from another company, you do not need that service as part of your insurance policy.

Therefore, carefully scrutinize your insurance policy to see if you need to make any changes and drop unnecessary coverage.

Ultimately, the best strategy is to get your car insurance from a reputable insurance company, such as Clover Insurance Agency. We provide auto and home insurance services at affordable rates. Contact us today to get a quote.

What Happens If You're Hit by an Uninsured Motorist?

Wed, 12 Oct 2022 01:31:00 GMT

Every driver faces some level of risk anytime they are on the road. But do you know the additional risks that you face from uninsured drivers around you? The Insurance Information Institute estimates that as many as 11.8% of Illinois drivers do not carry enough (or any) insurance to cover injury or damage if they're responsible for an accident.

While you can't force all drivers to get the right coverage, you can protect yourself and your passengers. The best ways to do this are to ensure that you have the right insurance coverage yourself and that you know what to expect if you have to use it. Discover a few of the most important things to know.

Does Your Own Insurance Kick In?

The state of Illinois, like a few others, requires that drivers carry at least a minimum amount of uninsured motorist insurance. This is a protective measure against your risk of being hit by someone without their own insurance. While no one wants to use their uninsured motorist coverage, it's a lifesaver when you need it.

In addition, you may have underinsured motorist insurance. This coverage helps fill in any gaps between the policy limits of the other driver's insurance and your own damage or injury costs. For instance, if the driver who hit you only carries the minimum bodily injury coverage under Illinois law — $20,000 — you may be able to draw on underinsured motorist coverage to help pay your $40,000 medical bill.

What Challenges Will You Face?

Of course, you will face some common challenges when you must draw on your own insurance. The carrier will naturally want to ensure that they don’t pay costs that a different insurance company should properly pay for. They may need to investigate the accident and the other drivers to determine who is at fault and if any other policies could be drawn on.

Because you only have your insurance policy to rely on, you may not have as much financial buffer as you would otherwise. Once you reach your policy limits, you may have little else to go after. This is the most important reason to consider purchasing higher amounts of uninsured motorist insurance, especially if you have a more expensive vehicle or regularly have multiple passengers.

Should You Sue the Driver?

Anyone in an accident with an uninsured or underinsured motorist must make their own decision about suing the other driver. You generally have the right to sue them in court for damages, including for both costs you've incurred and such things as pain and suffering. Depending on the nature of your accident, you may have a solid case.

However, not all uninsured drivers have assets that can pay your bills and any judgment you get. There could be a reason that they didn't buy proper insurance to begin with. Also, Illinois law allows judgments to be lowered by any amount of liability you had for the accident. So the choice to sue is a personal decision to make later — and in consultation with an attorney.

Where Can You Learn More?

While your chances of an uninsured or underinsured motorist hitting your car are lower than average, they are high enough that every driver should be prepared. The best place to begin is to discuss your current insurance coverage and limits with a qualified Illinois insurance agent.

Clover Insurance Agency has assisted Illinois residents and drivers with all their auto insurance needs for more than 40 years. Call or make an appointment today to get answers to your questions or assess your insurance coverage with our trained team members.

Types of Car Insurance Coverage

Tue, 13 Sep 2022 19:55:19 GMT

Your car is a significant asset you ought to protect with insurance. With car insurance, you won't pay for damages out of your pocket or navigate the tedious and time-consuming aftermath of an accident on your own. Relief from your car's repair or replacement expenses and complex aftermath negotiations will give you peace of mind.

But remember that car insurance is not a one-size-fits-all industry, so you will find many options in the market. Unfortunately, you can easily get confused if you are unclear about the type of insurance you want for your car.

To help you out, we've discussed some common types of car insurance you can choose from.

Collision Coverage

Collision insurance will kick in after you get involved in an accident, even if you're responsible for the accident. Collision insurance is not a requirement by the law, so you can include it as additional coverage to your basic car insurance policy if you so choose. Collision insurance covers a range of damages to your car that result from collisions with inanimate objects, parked cars, and moving cars.

But collision insurance also has some exclusions. For example, the insurance doesn't cover bodily injuries, damages to another person’s vehicle, vandalism or theft, or damage from natural disasters like fire. In a nutshell, collision insurance will cover damages that are somewhat within your control as the driver. Unlike many other forms of car insurance, collision insurance comes with higher premiums, which is why it is optional.

Liability Coverage

Sometimes as a driver, you can cause a car accident that injures another person (passengers or pedestrians) or damages their property. In such cases, the accident victims can file a legal claim against you to demand legal compensation. That's why liability coverage in car insurance is crucial, as it'll cover all the related fees (legal and medical) after you get charged for such damages. Unlike collision insurance, liability coverage is a requirement for all drivers in the United States.

The two main components of liability coverage in car insurance are bodily injury liability and property damage liability. Bodily injury liability will cover medical bills or income losses for those injured during the accident. In contrast, property damage liability covers repair or replacement expenses for items damaged during the accident.

New Car Replacement Insurance

New car replacement insurance is good if you want to protect your new vehicle's value within the first few months of ownership. With the coverage, the insurer will give you a brand-new car of the same purchase value after your previous new car gets totaled in an accident. So, you won't have to downgrade to a vehicle of lower value if your vehicle gets totaled shortly after its purchase.

New car replacement insurance is also optional, so you can buy it as an add-on to any other of your car insurance. Also, the insurer you choose might require your vehicle to meet specific mileage and age requirements to qualify for new car replacement coverage.

Comprehensive Auto Coverage

Comprehensive car insurance will cover damages that are out of your control as the driver. The insurance will cover third-party damages like damage to other vehicles, physical injuries, and deaths caused by your vehicle during an accident. Other causes of vehicle damage that comprehensive car insurance covers are:

Natural disasters like hurricanes, floods, and fires
Theft and vandalism
Fallen objects like rocks and branches

Comprehensive insurance will enable you to get a cashless claim benefit. A cashless claim benefit implies that your damaged vehicle will get repaired in a reputable network garage for free. Also, comprehensive insurance will help you easily buy additional coverage options for your car.

Purchasing insurance for your car is always a wise decision. You will have a guarantee of your car protection no matter what happens. Reach out to us at Clover Insurance Agency if you want affordable auto insurance in the Chicago metropolitan area.

Home Insurance: How to Get the Best Coverage for Your Needs

Fri, 05 Aug 2022 19:50:59 GMT

Your home is one of your most important assets, and you should protect it within the extent of your budget and insurance in case of an accident or disaster. Home insurance can help protect your home and possessions, but it is important to understand the different considerations when you choose the appropriate coverage.

Homeowners insurance covers your home, including the basis of your home, contents, and structures. It provides financial protection if any natural events or human-caused incidents damage or destroy your house or contents. Unfortunately, many people overlook the benefits of homeowners insurance. However, this blog article will provide tips on how to choose the best homeowner policy for your house.

House Value

Your home is likely your most valuable asset, so you'll want to ensure you properly protect your house from a natural disaster or other unforeseen events. Home insurance typically covers the replacement cost of your home and belongings. Therefore, you should consider getting enough coverage to protect your investment fully.

You can determine your house value by evaluating its age, initial purchase price, and the additional features and possessions attached to your house . A professional evaluator can perform the assessment for you for any evaluations based directly on your house characteristics like age and initial purchase price. For individual possessions, you can show your insurance company purchase receipts or direct them to online stores that highlight their cost.

Most homeowners insurance policies protect the contents of your house, including your personal belongings. Such policies can help you avoid the inconvenience and financial burden of replacing an item when damaged or destroyed. It also helps protect you when your family needs to relocate temporarily because of ongoing construction or repairs to your home.

Coverage Extent

The value of your home and belongings can significantly impact how much homeowners insurance you pay and whether you need to add any particular coverage.

Some of the most common property damages covered by homeowners insurance include:

Damage from fire, lightning, floods, and windstorms
Personal injury caused by an accident or a crime
Breached house or garage
Theft of belongings inside your home
Loss of valuables, including jewelry and electronics

Insurance companies usually offer four types of coverage in a standard homeowners insurance policy:

Dwelling coverage : This policy covers damage to your homes, such as a fire or windstorm. It can also cover other structures on your property.
Other structures coverage : This scheme covers damage to structures on your property not attached to your homes.
Personal property coverage : This offer covers damage to your personal belongings, such as furniture, clothing, and electronics. It can also cover items not permanently attached to your home, such as lawn mowers or snowblowers.
Liability coverage : This policy covers your legal responsibility if someone receives an injury while on your property. It can also cover damage to other people's property that you or your family members cause.

Rate Comparison

The final important factor to decide your homeowners insurance is the rates insurance companies offer in your area. You should examine each company's policies and choose the right one for you. You should be able to find a policy that is competitive in price and coverage extent.

Since most major homeowner's insurance companies offer similar coverage and pricing ranges, you should compare the prices and features of the various policies they offer. This assessment can save you money in the long run since you can find a policy that meets your needs, is affordable, and allows you to cover all your belongings in one premium payment.

Consequently, you should ensure that you have the right amount of coverage on our house or what was built on to it so that you do not over-insure or under-insure yourself. Additionally, you should review your home insurance policy periodically to ensure it still meets your needs.

How to Prevent Denial of Your Car Insurance Claim

Mon, 11 Jul 2022 16:26:30 GMT

Car accidents continue to be a major challenge in the United States. These crashes can leave the victims battling psychological issues like PTSD and anxiety. Additionally, some victims struggle with substantial medical bills, which leave many of them bankrupt.

One way the victims can avoid financial constraints after a car accident is to seek compensation. Filing a car insurance claim can enable one to recover valuable compensation speedily. A good car accident lawyer handles all the paperwork and communication on behalf of the clients. As a result, one can enjoy peace of mind and a smooth recovery process.

However, insurance companies may deny claims. Several things can cause this rejection. One of the reasons is when you fail to disclose the needed information to the insurer. Policy cancellation and instances of fraud can also get your car insurance claim denied.

A few things can help you prevent the rejection of your insurance claim. Keep reading to learn how to avoid the denial of your auto insurance claim.

Disclose Necessary Information

Lack of transparency can easily cause the rejection of your insurance claim. Transparency should start when you fill out the necessary paperwork. An insurance company will require several pieces of information for your compensation. Examples are car model, vehicle identification number, your full name, and installed safety features.

Disclosing the necessary information will make the insurer trust you. As a result, you will also enjoy a good and long-lasting relationship with the insurer. On the other hand, hiding critical information can also make the insurer take legal action against you.

Obey Traffic Rules

Today, many insurers review the cause of car accidents before they compensate their clients. Insurance companies term speeding, driving under the influence, and other mistakes as negligence. If you are determined to have been driving with negligence or recklessness, besides getting your insurance claim denied, you will also get a criminal record.

Obeying traffic rules will prevent such uncertainties and also protect your life on the road. Ensure that you have a valid driving license. A driving license shows that you have been through an approved driving school and passed your driving tests.

Get Help

The insurance claim process is time-consuming, complex, and overwhelming. Several things make the process challenging for many people. First, the quantity and complexity of the paperwork make it difficult for many people to claim compensation.

Some insurance companies also try to deny their clients fair compensation. An insurer can try to keep you in the dark or take you in circles while claiming compensation. The complexity of insurance claim processes leads many to make errors as they fill out important documents.

As a result, the insurance claims get rejected in the end. Seeking help from a professional attorney or insurance broker is the right step. An expert will make the whole claim process more convenient and efficient.

Gather Adequate Evidence

Inadequate evidence can be a big hindrance to your compensation. Providing adequate evidence of the car accident shows that you're a transparent person. You must provide evidence of the car damages and from the accident scene.

The first way to collect evidence is by taking photos or a video of the accident scene. Take photos from all angles to illustrate the scene better. Police and medical reports are also crucial pieces of evidence you shouldn't overlook.

Sometimes, car accidents are inevitable. A reputable insurer will compensate you for all incurred losses without taking you in circles. Clover Insurance Agency is a reputable auto insurer with over 40 years of experience in the industry. Contact us today to get an insurance quote or to file a claim.

4 Things to Know About Personal Property Coverage in Homeowners Insurance

Thu, 09 Jun 2022 00:29:54 GMT

Coverage for your home's structure is only half the equation with homeowners insurance. The other part of the puzzle is protection for personal belongings. While every residential home insurance policy generally covers personal belongings, the fine details are very important. Without knowing a few key specifics, you can't know for sure what's covered and what's not.

To help you learn more about your policy, discover four personal property details you may want to discuss with your homeowners insurance agent.

1. Individual Property Limits

Home insurance policies usually have a list of categories of personal goods that are subject to individual limits for that category. You may commonly see such limits for firearms, jewelry, cash, watercraft, and trailers, for example.

These individual limits are often similar across the board for most policies. If you often keep more in your home for business or investment purposes, you may need to buy a rider or additional policy to boost that limit to one more tailored to your needs.

2. Business Use Limits

Increasingly, Americans use their homes for income-producing activities. Whether this is a home business or you work as an employee, personal property in the business venture often comes with its own coverage limits.

This can be sufficient for some business activities, such as a remote worker who uses their desktop computer for work. But if your work calls for specialized tools or equipment, a large volume of tools, or irreplaceable documents, you may need a different policy to cover these more highly valued items.

3. Household Member Limits

Your and your family members' belongings are covered by your homeowners insurance. However, this may not include everyone in the home at any given time.

Your tenant renting a converted mother-in-law suite, your children's friend bunking with you for the summer, or your buddy's tools in the shed may not all be covered. However, your daughter's belongings in storage while she is at college may be covered. Because each household's makeup is unique and may change, discuss with your agent what is or is not covered when taking on borrowed items or temporary guests.

4. Replacement Cost Limits

Finally, just because your personal property coverage sets a limit does not mean that is what you will receive for a loss. Policies generally specify how the reimbursement amount is calculated. This may or may not correspond to your actual costs.

The most common methods are cash value (replacement cost minus depreciation), replacement cost (replacement cost without deducting depreciation), and replacement cost plus an overage. These may sound very similar, but they all have different impacts depending on the age of your belongings, their original value, depreciation tables, and how easy or difficult it is to replace them.

For instance, imagine that you are a homeowner whose grand piano was damaged in a covered flood. Buying a replacement of the same type and quality would take $2,000 in today's dollars. This would likely be what you get with a replacement cost policy. However, an actual cash value policy might take that $2,000 and subtract $1,000 of calculated depreciation, or wear and tear, first. The difference can be significant.

Do you know the specifics of all these factors regarding your personal property coverage? If not, start learning the answers by meeting with Clover Insurance Agency in Chicago today. Our homeowners insurance agents can help you assess your current coverage and options as well as the personal property you need to cover. By finding the right balance between cost and improved coverage, you will gain confidence in your insurance protection. Make an appointment today to learn more.

3 Additional Coverage Options to Add to Your Homeowners Insurance Policy

websitebuilder@thryv.com — Wed, 04 May 2022 20:34:18 GMT

Homeowners’ insurance can be an excellent way to protect your family and home. But remember that homeowners insurance is not a one-size-fits-all. Insurance companies offer other additional coverage options you may want to add to your policy to guarantee total protection.

This post highlights three additional coverage options that can help you achieve that goal.

1. Home-Based Business Insurance

You probably work hard on your home-based business. And as your source of livelihood, you'd want to protect your business with insurance. A home-based business cover can help you do just that.

For starters, this coverage can protect your business equipment, stock, and assets. If something goes wrong, such as a fire or break-in, you might spend more out of pocket if you don't have the right cover in place.

A home-based business coverage can also protect you if you have clients or customers who often visit your home as part of your business. If they have an accident on your property, you might be liable for any medical expenses. This coverage can give you peace of mind if you have protection against this potential financial risk.

But make sure you talk to your homeowners' insurance agent before you add this coverage to your policy. Some home insurance policies might limit how much coverage they provide for home-based businesses. So, you need to understand what your policy covers and whether you need to purchase additional insurance.

2. Flood Insurance

Most standard homeowners’ insurance policies don't cover flood damage. So, if your home suffers damage from a flood, you may have to pay the bill yourself.

Flood insurance can protect your home and belongings against this type of damage. However, the repair and rebuilding costs aren't the only things that should concern you. If your home is flooded, you may also need to find alternative accommodation while the repairs happen. Flood insurance can help cover the cost of temporary housing in addition to the repair and rebuilding costs.

If you have concerns about the cost of flood insurance, talk to your homeowners' insurance agent. They may offer discounts if you live in a low-risk area. This way, you can get the cover you need without breaking the bank.

And remember, even if you don't live in a high-risk area, flood insurance can still be a lifesaver. Floods can happen almost anywhere and at any time. You might be in for a nasty surprise if you don't have the right cover in place after a flood.

Don't wait until you're too late. Talk to your homeowners' insurance agent before you add flood insurance to your policy for complete protection.

3. Personal Property Replacement Coverage

Your homeowners' insurance policy will usually cover the rebuilding costs if your home suffers damage from an insured event, like a fire. But what about your belongings?

Generally, homeowners’ insurance policies have limits on the amount they'll pay out for personal property, such as furniture, clothing, and electrical appliances. If you have expensive belongings, you can take out personal property replacement coverage. This coverage can help replace your belongings if they're lost or destroyed in an insured event.

To make sure you have the right amount of coverage, you should first do a home inventory. The inventory is a list of all your belongings and their value. This way, you can work out how much personal property coverage you need to guarantee full protection. Your homeowners' insurance agent can also help you choose the right amount of coverage if you're not sure what to include.

Adding an extra cover to your homeowners' insurance policy is always a wise move. You have the assurance that your home and belongings will have protection no matter what happens. Talk to us at Clover Insurance today to understand what coverage options are right for you.

Items Covered Under Standard Homeowner's Insurance

Mon, 25 Apr 2022 16:36:23 GMT

Homeowner's insurance coverage offers protection against losses caused by accidents, disasters, and theft. This policy is available for both tenants and homeowners, which means you do not need to own a home to use the cover. Insurers also draft particular homeowner's policies for condominiums and co-op-apartments whose ownership and usage follow proprietary laws and by-laws. This piece discusses items covered under a homeowner's insurance policy.

Cover for Your Home's Structure

The homeowner's policy pays for the repair and reconstruction of your home due to damages resulting from hail, lightning, fire, or hurricane. Such issues may be natural or artificial, and your insurer helps you recover the losses.

If your home has other detached structures, ensure you inform the insurance company when negotiating the policy terms. For example, you may want to cover the fence, garage, storage area, worker's quarters, and other structures.

Standard policies do not cover damages resulting from earthquakes, and floods. If your home is in a geographical region vulnerable to earthquakes and floods, ensure your insurer knows about it and includes riders for both issues. Ultimately, be sure you purchase enough coverage to allow you to rebuild your house or damaged detached structures.

Cover for Liability

Guests, workers, and other people visiting your home might encounter certain risks. For example, a fire in your parking lot might damage your vehicles belonging to your guests. As a homeowner, you are liable for such damages, and the homeowner's insurance cover protects you in such a case.

This insurance coverage pays for the costs of defending you in court and any other payments ordered by the judge. You can also upgrade the liability policy to include excess liability or an umbrella cover when you have expensive items at your home.

The liability cover also has a no-fault medical coverage which ensures that your insurer pays the hospital bills of guests injured at your home. However, the medical bills for you and your pets are not a part of this insurance cover.

Cover for Your Personal Belongings

Your home often contains an assortment of personal belongings ranging from sports equipment to furniture. You might also own rare collections of art, personal projects, machinery, and other items. A fire, burglary, hurricane, or other misfortune may damage your items. Such losses may set you back, and recovering from them might leave you in debt.

Ensure you create an inventory of your belongings when getting a homeowner's insurance policy. The insurer also covers the items stored away from your premises. For example, you might lose your bag while traveling and request compensation from the insurance company.

The insurer might also request you to take personal property floater or endorsement for expensive items such as art, furs, collectibles, and silverware. You can only get back the total worth of the item if you insure it for the appraised value.

Finally, the policy can compensate you for the loss of plants and trees on your premises except when they succumb to the disease. Therefore, ensure your insurer knows such plants and trees, including potted shrubs and flowers in your home.

Cover for Additional Living Expenses

The insurer pays for the accommodation if you cannot live in your home due to damages caused by certain risks. Moreover, they could pay for meals and hotel rooms as you await the repair of your primary residence.

Are you thinking about getting a homeowner's insurance cover? The policy shields you from losses incurred due to damages to the structure of your home and personal belongings. At Clover Insurance Agency we pride ourselves on expertise, resources, and professionalism in providing personalized home insurance covers. Contact our team today for the best rates on the market.

3 Reasons You Need Rideshare And Delivery Insurance

websitebuilder@thryv.com — Thu, 03 Mar 2022 00:14:20 GMT

When driving for a rideshare service such as Uber or Lyft, you may think you have adequate coverage through your personal insurance policy. Unfortunately, nothing could be further from the truth. You may not have coverage at all and need rideshare and delivery insurance. This type of policy fills the gaps between your personal insurance coverage and the commercial insurance your employer provides.

Discover a few reasons you need to purchase this type of policy before picking up your next fare.

1. You May Not Be Covered

Most personal policies do not cover you or your vehicle when you drive for hire. This lack of coverage stems from the additional time you spend on the road. The more time you spend behind the wheel increases the company's liability.

If your insurance company discovered you are engaged in such activities without notifying them, they could cancel your policy and deny any claims resulting from an accident.

The commercial policies the rideshare company provides are third-party liability coverage. Liability coverage provides protection for any injury or damage claims in which you as a driver, or the company, may be liable.

Liability coverage means these policies protect the passengers in your vehicle but provide limited or no coverage for you as a driver. This lack of coverage could leave your injuries and vehicle damage uncovered in the event of an accident.

Fortunately, rideshare and delivery insurance will cover you. Not only will this coverage protect you while you drive but will work in conjunction with any other policy you have to ensure you have coverage at all times.

2. Your Company's Policy Only Covers Certain Times

The rideshare company's coverage depends on where you are and what you are doing at specific times. The coverage varies based on whether or not you have a passenger in your vehicle at the time.

For example, if your app is not on, you have no company coverage at all. Your personal auto policy is in force. If your app is on and you are waiting for a hire, the company policy will provide limited third-party liability coverage. You have no commercial collision or comprehensive coverage.

Once a rider requests a ride through your app and through the time you drop them off, you have additional coverage. For example, Uber will provide uninsured and underinsured coverage as well as contingent collision and comprehensive coverage, and your third-party liability insurance increases to one million dollars.

Most rideshare companies provide contingent collision and comprehensive coverage that exceeds the state minimum. In Illinois, the state's minimum coverage is $25,000/$50,000/$20,000 . A breakdown of this coverage is:

$25,000 for any injuries for one person
$50,000 for any injuries for an accident
$20,000 for any property damage for an accident

The coverage that Uber currently offers is $50,000/$100,000/$25,000 .

3. Your Company's Policy Has High Deductibles

In the event of a collision, you will be responsible for paying your deductible before the policy begins to pay. The coverage that rideshare companies provide has high deductibles. For example, collision and contingent comprehensive coverage under an Uber policy has a $1,000 deductible, and Lyft has a $2,500 deductible. You would have to pay this amount before any coverage kicks in.

You can quickly lose the extra money you make through rideshare or delivery jobs if you do not have adequate coverage in the event of an accident. Obtaining coverage may be as simple as adding an endorsement to your existing coverage or purchasing a stand-alone policy.

Clover Insurance Agency can help you explore your options. We understand the best type of coverage for rideshare and delivery drivers. Give us a call today so we can get you covered.

Home Insurance and Spoiled Refrigerated Food

websitebuilder@thryv.com — Wed, 02 Mar 2022 23:56:00 GMT

Home insurance covers much more than your home's structure and your personal liability. For example, your home insurance may cover spoiled refrigerated food in some circumstances. Below is an overview of homeowners' insurance coverage for refrigerated food.

Things to Note

Understand your insurance policy to prepare for spoiled food claims. Below are some critical points you should know.

Coverage Is Not Automatic

Like other risks your home and its contents might face, coverage for spoiled food is not automatic. The coverage chiefly depends on the spoilages' cause. For example, coverage might not apply if:

A poorly maintained refrigerator breaks down since insurance doesn't cover wear and tear
Your insurance policy excludes coverage for the disaster that caused the coverage
Earth movement, such as an earthquake, causes the spoilage

Your policy determines the coverage circumstances.

Personal Property Coverage Limit Applies

Home insurance companies treat food in your fridge as your personal property. As such, personal property coverage might reimburse you for the spoiled food if a covered disaster (such as a fallen tree) causes the spoilage. However, home insurance policies feature sublimit that apply to your food. For example, if your limit is $500, then that is the maximum you will recover.

A Deductible Might Apply

The insurance company might require you to pay a deductible, just as you would if you submit a claim for other personal properties. The deductible determines whether a food damage claim is possible or advisable if your house has not suffered any other damage.

For example, you won't get any reimbursement if your damaged food is worth $500, and your personal property deductible is also $500. If the spoiled food is worth slightly more than the deductible, then you must determine whether the claim is worth the insurance history it will generate.

Additional Coverage Is Possible

Enhanced coverage for spoiled food is available for those who want more protection than standard coverage offers. For example, you can buy equipment breakdown coverage that reimburses you for spoiled food if your fridge breaks down. Some carriers also offer food-spoilage endorsement for protection against spoilage from all types of power outages.

Precautions

Certain precautions can reduce your losses related to refrigerated food spoilage. Below are some of the precautions.

Trim Trees

Trees and tree branches around the house are common causes of a power outage during storms. Strong winds can uproot or break such trees, send them flying against your power lines, and leave you in the dark. Trim tree branches and remove weak trees around the house to minimize the risks.

Maintain the Fridge

Maintain your fridge to reduce wear and tear and prevent sudden breakdowns. For example, you should plug the fridge into the right receptacles, ensure adequate airflow, and keep it clean.

Install Protective Devices

A power surge can fry your refrigerator and cause food spoilage even if you have power. Power surges typically occur when power resumes after an outage. Damages to electrical lines during storms also cause surges. Electrical power surges, which you can install for the whole house or specific appliances, reduce the risk of damage due to power surges.

Buy Relevant Coverage

Scrutinize your home insurance policy to understand spoiled food coverage. You can also ask your agent for clarification if you don't understand your policy terms. Ask your agent for enhanced coverage if you don't want to lose money due to spoiled food.

Scrutinize your home insurance policy to understand what it covers. Contact Clover Insurance for quotes if you want to purchase a new home insurance policy or augment your existing policy. You can rely on our 40-plus years of experience to help you find the best coverage for your circumstances.

Getting Back on the Road After a DUI

Wed, 24 Nov 2021 19:01:04 GMT

If you're convicted of driving under the influence in Illinois, you may suffer a variety of administrative and criminal consequences, even as a first-time offender. When you get back on the road after a DUI, you'll need to make sure you meet all of the requirements to begin driving again to ensure you don't jeopardize your license or vehicle registration.

What Are the License-Related Penalties for a DUI?

The penalties for a DUI vary in Illinois depending on the circumstances and how many prior DUI offenses a driver has.

While a criminal court will impose criminal penalties, such as probation, jail time, fines, and community service work, administrative penalties will happen automatically for drivers who failed or refused chemical testing.

In Illinois, a driver who is 21 years old or older and commits a DUI violation as a first-time offender will incur a one-year administrative license suspension. This type of suspension is also referred to as a statutory summary suspension. Underage drivers have their license suspended for two years for their first DUI offense.

Second and third DUI offenses come with longer license suspensions — five years and ten years, respectively. Drivers who had a passenger under 16 years old in the vehicle at the time of the offense may incur harsher punishments as well.

Illinois criminal courts can also suspend a driver's license for a DUI conviction. Any time that a license is suspended as a statutory summary suspension, it typically counts toward the suspension time ordered by a court-imposed license suspension. Court-imposed suspensions may have additional requirements for license reinstatement.

How to Reinstate Driving Privileges

Illinois requires motorists who are convicted of DUIs to follow several steps before they can get their licenses back and have their driving privileges reinstated.

Drivers convicted of DUIs must undergo a drug and alcohol evaluation and most drivers must enroll in an alcohol or drug-related traffic school to learn more about various topics such as the effects of drugs and alcohol on driving, as well as how to avoid drug and alcohol-related traffic offenses in the future.

People who have had their licenses suspended due to a DUI must also pass any required written and practical driving tests, pay their license application and restoration fees, and appear at an informal hearing with an officer from the Secretary of State to show that you will avoid DUI violations in the future.

Illinois residents who get their licenses reinstated after a DUI must also submit proof of financial responsibility insurance. This kind of insurance is typically known as SR-22 insurance.

How to Obtain and File SR-22 Insurance

After a DUI conviction and subsequent license reinstatement, drivers must keep an SR-22 form on file with the Illinois Secretary of State for three years. SR-22 insurance includes extra coverage to minimize the risk to other drivers should you be involved in an accident.

The state of Illinois does not regulate or sell SR-22 insurance, nor do all auto insurance providers offer it. Drivers must check with their insurance companies and either add an SR-22 form to an existing insurance policy or get a quote for a new policy that includes the SR-22.

The insurance agency submits a request for an SR-22 certificate to be sent to the Secretary of State's office once the driver pays for the insurance policy.

Drivers who do not maintain an SR-22 for 36 months following a DUI may be subject to additional license suspension time, fines, and other penalties. The law requires insurance companies to notify the Secretary of State if the insurance expires or the insured cancels the insurance.

Clover Insurance Agency offers affordable home and automobile insurance throughout the Chicagoland area. If you need an SR-22 or have questions about getting insurance after a DUI, contact us today for a free auto insurance quote.

4 Reasons to Review Your Homeowners Insurance Every Few Years

Thu, 28 Oct 2021 17:44:12 GMT

Many homeowners take out a homeowner's insurance policy, set it up to pay through their escrow account, tuck the policy in their safety deposit box, and then forget about it. Before long, they realize they have had the same insurance policy for years. Unfortunately, this is not the best approach.

While your insurance company probably appreciates your loyalty, your policy may not meet your current needs. You should review your insurance coverage at least every couple of years. Discover a few reasons why.

1. Your Policy Could Cost You Extra Money

Do you know that many homeowners overpay for their homeowners' insurance? While this affects people of every age, seniors over 63 are more susceptible. Overpayment is often due to them not checking their policies and annual increases over the years.

Even if you have not filed a claim against your homeowners' insurance, you have a possibility of your policy increasing each year. Between 2013 and 2018, the cost of homeowner policy premiums increased between 2–42% . The amount of increase is dependent on the type of policy you have.

In addition to the annual cost of living increases, some companies also charge across-the-board increases when they have had high payout years. Across-the-board increases usually follow some weather-related perils or natural disasters, such as hurricanes, tornadoes, or wildfires. Your policy increases even if you did not submit a claim for any damages.

2. Your Coverage Has Changed

Most insurance policy has a list of standard exclusions or things your policy will not insure. Some examples of these include:

Routine maintenance issues
Mechanical breakdowns
Termite damage
Mold and mildew
Earthquakes
Sinkholes

Over time, exclusions may change. Your policy may not cover things it has covered in the past due to the increased risk they present to the insurance company. If an exclusion prevents you from having the level of coverage you need, you need to shop for another policy.

3. Your Credit Score Has Increased

If your credit score has increased since you last purchased your homeowners' policy, you may be eligible for a lower rate. Many insurance companies now use credit-based insurance scores during their underwriting process to determine your insurance rates.

A credit-based score is not the same as your overall credit score. Credit-based scores look at areas designed to determine best how you manage risk. Some of these factors include:

Past payment history
Current outstanding debt
Credit history length
Recent applications for new credit
Credit mix

Although credit-based scores are only one factor for underwriting, they can have a significant impact. Credit-based insurance scores calculate your predicted risk of loss. The lower your credit score is, the higher risk you present to the insurance company.

The higher risk you present, the higher your premiums are for your policies. Increased credit scores reflect a lower risk and may qualify you for a lower rate on your insurance.

4. Your Carrier May Be Willing to Reward You With a Discount

Prospecting, advertising, and promotional materials your insurance company invests in are costly. This is the cost they pay to attract and obtain a customer.

Customer retention is far less expensive. Most companies do not offer a loyalty discount upfront, but if they know you are willing to shop for a new policy, they may be willing to provide you with one.

If you have not re-shopped your homeowners' insurance in the last couple of years, call Clover Insurance Agency . We will provide you with expert advice, quotes from multiple insurance providers, and an impartial recommendation using our cutting-edge technology. Give us a call today for your complimentary review. We look forward to helping you.

Everything You Need to Know About Deductibles

Thu, 16 Sep 2021 14:47:36 GMT

Did you choose the right deductible for your auto insurance? Whether this is your first experience with a vehicle policy or you just want to learn more about this coverage-related issue, take a look at everything you need to know about the deductible.

Are Deductibles and Premiums Different?

Yes, deductibles and premiums are different. Each of these terms refers to a part of your auto insurance policy that involves a payment. But that's where the similarities end. The deductible is the out-of-pocket expenses you must pay if you're in an auto accident or have a vehicle-related incident. The specific dollar amount of the deductible depends on the policy you choose.

Deductibles vary and could include anything from hundreds of dollars to thousands of dollars that you're responsible to pay. If you don't have an accident or auto incident, you won't need to pay for a deductible. In comparison, you will need to pay a premium whether you are in an accident or not.

The premium is the cost of the policy. You will pay this amount monthly, by quarter, bi-annually, annually, or on another schedule.

How Does a Deductible Work?

Again, the deductible is the part of accident-related expenses that you will need to pay out-of-pocket. After an accident, an auto or collision repair shop will give you an estimate. The insurance company may also need to appraise the damage and agree to the estimate.

The insurance policy will pay for the bulk of the repair — minus the deductible. The auto repair company or shop will charge you for the deductible cost.

Unlike medical insurance deductibles, auto policy deductibles are per incident fees. This means you won't pay part of a deductible after one accident and part after another. You'll need to pay the full deductible every time you file a claim.

Will You Always Have to Pay a Deductible?

Some accidents or incidents won't require you to pay a deductible. If the accident falls under the comprehensive or collision claim categories, you will need to pay this out-of-pocket fee. You may not (or may) need to pay the deductible if you aren't at fault for the accident or damage.

Your insurer can help you to better understand the in's and out's of your policy and whether you may need to pay any upfront costs, pay nothing, or pay and file a deductible recovery claim.

You may not need to pay a deductible for low damage costs. If the repair estimate is lower than the cost of your deductible, you may not even need to file a claim.

How Do Insurance Companies Determine a Deductible?

The deductible is a set dollar amount. Different insurers offer different deductible schedules. The higher your auto insurance deductible, the lower the premium — and the lower the deductible, the higher the premium. Even though a low-dollar deductible may seem like the ideal option, it could cost you more in the price of the premium.

Which Deductible Is the Right Choice?

There's no one-size-fits-all answer to this question. Some drivers prefer to pay a lower premium price, hoping that they won't get into an accident or need to pay a deductible. While you might drive safely, you can't count on an accident-free year (or years).

If you do choose a low premium/high deductible policy and get into an auto accident or have a vehicle-related incident, you could end up paying far more than the premium difference (between a low and high deductible premium) in out of pocket costs.

Discuss the different premium and deductible combinations with your insurance agent. If the premiums aren't dramatically different, but the deductibles are, you may want to select a lower deductible policy. This doesn't mean you should choose the lowest deductible possible. Instead, try to balance the costs of the deductible with the premium price differences.

Are you ready to buy a new insurance policy? Contact Clover Insurance for more information.

An Overview of MedPay Coverage as Part of Auto Insurance

Fri, 20 Aug 2021 22:34:57 GMT

If you suffer injuries in a car accident, medical payment (MedPay) coverage will cover you and your passengers' medical bills. This coverage is hugely helpful, but many drivers do not understand its details. Below are some things you should know about MedPay coverage.

The Coverage Is Optional

MedPay coverage is optional. However, many people agree that the coverage is one of the most critical you should add to your auto insurance coverage. The faster you get medical care after an accident, the better your medical recovery will be. MedPay coverage helps you get fast medical care since you don't have to look for funds for your medical bills.

The Coverage Applies to Multiple Expenses

MedPay coverage applies to multiple expenses related to your medical treatment. For example, you can use MedPay to pay for:

Your rehabilitation costs, such as physical therapy expenses
Extended nursing services if your recovery takes a long time
Prosthetic limbs if you have to amputate a leg after the crash
The ambulance that took you to the emergency room after the crash
Your deductibles or co-pay if you have other forms of medical cover

Thus, MedPay can be a huge relief to your post-accident recovery efforts from start to finish.

The Coverage Is Affordable

As beneficial as MedPay coverage is, it's relatively affordable. MedPay coverage rates vary by carrier, coverage limit, and other auto insurance-related factors. However, many insurance companies charge less than $50 a month for a large amount of coverage. Talk with your insurance agency to learn more about prices.

The Coverage Follows You

MedPay coverage follows that driver. That is, the policy doesn't care which car causes your injury. For example, the coverage will pay for your medical payments:

If you get injured as a driver in any car
If you get injured as a pedestrian by any car
If you suffer injures as a passenger in any car

What matters is that your injuries stem from an auto accident.

The Coverage Doesn't Have Deductibles or Copayments

Most forms of medical insurance require you to pay a percentage of your medical bills before settling your claim. The rationale for deductibles or copayments is to lower insurance costs and encourage insurance clients to be more careful.

As with most things, copayments and deductibles have pros and cons. One con is that you might not get the help you need if you don't have an emergency cash reserve. Fortunately, MedPay coverage doesn't have a deductible or copayment. The coverage will pay your entire medical bills — up to the applicable limit.

The Coverage May Overlap With Others

MedPay isn't the only insurance that pays medical bills after an injury. As such, the coverage may overlap with other forms of insurance you may have. For example, MedPay may overlap with personal injury protection (PIP) and health insurance. In such a case, the respective policies' terms and conditions determine which insurance plan settles your medical bills first.

The Settlement Format Varies

Insurance companies and medical providers have different ways of settling bills where MedPay is involved. In some cases, you need to pay your bills first, after which the insurance reimburses you. In others, the insurance company will pay your medical provider directly.

Understand the billing format to avoid complications with your treatment or claims settlement. Whatever you do, keep your medical bills and treatment records as evidence.

Review your MedPay coverage to determine its adequacy now that you know how valuable it is. Consider buying the coverage if you don't have one in place already. Contact Clover Insurance Agency for all your auto insurance needs. With over 40 years of experience in the insurance industry, you can trust us to evaluate your insurance and help you fill any coverage gaps you might have.

Rideshare

websitebuilder@thryv.com — Wed, 14 Dec 2016 13:38:07 GMT

Enrolling in a Transportation Network Company (TNC), such as UBER or Lyft, seems to be a great, easy, and convenient way to make money. But do you have the right protection for your vehicle? Before embarking on this exciting new endeavor it is important to note that car insurance is an essential and vital element that needs to be seriously considered before you enter into the business of ridesharing. Unfortunately, lack of information is a major reason many people do not have adequate insurance for ridesharing. This can expose them to serious financial risk the moment they have an accident and find out too late that their auto insurance is not covering the claim because they have violated the rules of the policy.

We, at Clover Insurance Agency, want you to feel safe and secure as we will provide you the right coverage for your needs. Therefore, we have added companies that will insure you properly and provide you with the peace of mind you need in order to pursue your goals in this new business venture.

For more details about Rideshare Insurance send your details and we will get back to you.

CALL US NOW FOR A RIDESHARE QUOTE

(773)-381-2200

What is rideshare insurance?

Rideshare insurance provides you coverage while your vehicle is being used for personal purposes only. Transportation network companies have their own Liability and Comprehensive & Collision coverage that provide coverage while you have a passenger or when your app is on waiting for a travel order.

Who needs rideshare compliance insurance?

Any person who signs up with any TNC needs to obtain rideshare compliance insurance, regardless of the amount of hours they drive a week. Most personal auto insurance policies do not accept Uber or Lyft drivers; therefore, we encourage you to speak to your agent to find out if you have proper protection.

How do I know if I have the right protection?

Be aware, most insurance companies have specifically listed on their application that any type of business or commercial use of your vehicle is not acceptable; therefore, they have the right to void your policy or deny coverage if any part of their underwriting guidelines is violated. It is vital that you contact us immediately if you are using or planning to use your vehicle for such purposes.

We now have a variety of companies and coverages that will provide customized protection based upon your situation.

Autos

websitebuilder@thryv.com — Mon, 12 Dec 2016 18:55:34 GMT

Take a Look at All That We Offer!

We want your insurance experience to be a good one. That is why we make every step of the way easy and hassle free. Check out our many services below and give us a call or e-mail for a free quote .

Mandatory Liability Policies:

Auto insurance is mandatory in Illinois . Without proper coverage for you and your vehicle, you could be exposed to financial and legal risk. That is why we specialize in mandatory liability policies to get you driving with peace of mind, quickly and easily. Give us a call, e-mail us, or ask for a free quote online, and we will get you the insurance you need.

Low Full Coverage Rates:

Not only do we specialize in mandatory liability polices, we are also committed to getting you the lowest rates possible for full coverage policies. We have many different coverage options to meet your needs.

Autos: All Makes & Models:

Not only are we committed to insuring all drivers, we also insure all cars. Regardless of how old or how new your car is, we will insure it. We know how important your car is to you.

SUV’s-Vans-Trucks:

Whatever vehicle you drive, we will insure it. Some people think that it is harder to insure bigger vehicles like SUV’s, vans & trucks. Give us a call and we will show you how easy it really is.

Motorcycle Coverage:

Insurance is not only mandatory for cars and trucks, it is required for motorcycles as well. We have different motorcycle coverage options that you can choose from so you can ride confidently knowing you have protected yourself and others.

Instant Coverage & Proof:

We make getting auto insurance as easy as possible. One of the ways is to offer instant coverage and proof of insurance over the phone. This takes away the hassle of getting insurance and makes sure you are covered as soon as you need it.

We Insure Everyone:

Whether you are newly licensed or have had one for many years, Clover Insurance will cover you. We also easily cover teenagers and elderly drivers. In short, if you need insurance, we will cover you.

Clover Offers Discounts:

Insurance is there to protect you if you are ever in an accident. However, we want to reward you if you have gone without one for a while. We offer “safe driver” discounts as our way of saying thank you for keeping the road a little safer. You may be eligible for other discounts we offer to our customers. We offer discounts if you are currently insured and if you insure more than one car with us.

Easy Payment Options:

We believe that getting insurance should be easy. We also offer easy automatic bill-pay options, take all major debit and credit cards, and checks. That is why we offer low down payments, budget financing and easy payment plans. We will work with you to come up with an insurance plan that is financially compatible with your needs.

Experienced Agents:

We have over 40 years of experience and pride ourselves on excellent service. We can only accomplish this through having the most experienced and knowledgeable agents at our company. When you call for a price quote you will always be helped by an experienced agent who will be able to answer any questions you have. You can be assured that your buying experience will be stress-free and easy.

Free “No-Hassle” Quotes:

What if you know you need insurance, but not sure how much it is going to cost? We will be happy to offer you a free quote either on the phone or online without any hassle or obligation. We are interested in you getting the lowest possible rate and making sure you are satisfied with your purchase. Don’t renew or buy elsewhere until you apply online or call us for a free quote.

No License, No Problem:

We insure those who do not have their license yet or have only an out-of-state or international license. While other companies might have turned you down, we pride ourselves on making sure all drivers that want insurance get it. Just give us a call, send us an e-mail or walk in and we will get you the insurance you need.

Bilingual Agents:

In our commitment to insuring everyone, we want everyone to have access to our services. That is why we have agents that speak multiple languages, including Spanish. You can be confident and comfortable that when you call us, you will get the best personal service we can provide.

Homeowners

websitebuilder@thryv.com — Sun, 11 Dec 2016 19:31:26 GMT

Efficient, data-driven homeowners insurance

Specializing in owner occupied single family homes

Using patented analytical methods and proprietary data, Clover can more accurately assess the risks to your home and property. We’re able to provide you with a premium quote in seconds using just your address, and can offer lower prices to most homeowners, too.

Contact Us For A Free Quote:

The address is used to compute your quote.

Cutting-edge technology, and a dedicated, passionate team, too

About 30 to 40 percent of homeowners are overpaying by $100 to $2,000 per year. Clover’s algorithm-driven platform simplifies the homeowners insurance process. It goes through data points, such as fires, tornados, and hail, and creates policies that you can easily adjust and access. With our policies saving about 50 percent of customers’ money, we look to protect our customers and save them money.

When life happens, you can rely on Clover

All of the insurance carriers Clover works with have a rating of “A-” or better by global credit rating agency A.M. Best. With Clover’s strong relationships with established carriers, worrying about being covered won’t have to be on your to-do list when the going gets tough.

Guaranteed replacement cost

Clover homeowners insurance covers the full cost of replacing your home, with no deduction for depreciation and no dollar limit. As well as covering your home, Clover homeowners insurance policy covers the following:

Other Structures: Covers structures on your property that are not attached to the main dwelling, such as a storage shed, barn, fence, detached garage or guest house.

Personal Property: Covers damage to or loss of personal property. This includes household contents and other personal belongings owned by you and your family, as well as outdoor personal property, such as patio furniture or a lawn mower.

Living Expenses: Covers the expenses of staying at a hotel or another location if your home is damaged and you can’t live there while it’s being repaired.

Personal Liability: Covers you if a claim is made or a suit is filed against you for accidents that occurred on property that you own or rent. The insurer will provide your defense at the insurer’s expense, even if the suit is without merit or is fraudulent.

Medical Expenses: Covers medical payments, such as X-rays, surgical procedures, and hospital stays, if someone is accidentally injured on your property and you are not legally liable for their injury or damages.

No credit check required to quote or issue this policy.

Free Quote

CALL US TODAY FOR YOUR FREE QUOTE.

Instant SR22's

websitebuilder@thryv.com — Thu, 08 Dec 2016 09:25:26 GMT

SR-22 is a document that shows proof of financial responsibility. This document is often needed for a specified amount of time if you have been cited for driving without insurance, had a DUI, your license revoked, or have received too many tickets. If you have been told you need one, we can get it for you instantly. It is just another way we make insurance an easy part of our client’s lives.

Experienced Agents