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How Much is Homeowners Insurance in Chicago

How Much Homeowners Insurance in Chicago Do You Need?

The financial security that comes with homeowners insurance coverage is crucial because if any disaster strikes, you’ll need coverage to rebuild the structure of your home, replace your belongings, cover costs if you’re unable to live in your home, and/or protect your financial assets in the event of liability to others. Home is probably one of the biggest investments you’ll ever make. Plus, with Chicago’s susceptibility to extreme weather events, including heavy snowfall and strong winds, having this coverage is of utmost importance. Determining how much homeowners insurance you need could be tricky,......

How Much is Renters Insurance in Chicago

How Much Renter Insurance Do You Need in Chicago?

Renter insurance in Chicago varies depending on a few factors, including the size and location of your rental unit, the value of your personal belongings, and the amount of coverage you desire. However, the average cost of renters insurance in Chicago is relatively low, which is why renters insurance is an affordable way to protect your belongings in the event of a fire, theft, or other disasters. Best Renters Insurance Companies in Chicago 1. Liberty Insurance Liberty Mutual has been in the insurance sector since 1926 and is one of the largest insurance......

Workers Compensation Insurance Tips for Multi-State Businesses Approved

Workers Compensation Insurance Tips for Multi-State Businesses Approved

Workers compensation insurance is one of the most crucial aspects one needs to consider in a small business. Depending on your business and state’s laws having the right amount of coverage becomes essential. Workers compensation insurance helps cover employees’ medical expenses for any illness or injury incurred at the business establishment, along with any wage loss. For most businesses that are limited to a single location, the policy and its terms are simple to obtain and understand. However, what happens when your business spans multiple states? This situation complicates matters since workers comp......

What affects car insurance premiums

What Affects Your Car Insurance Premium?

Auto insurance is mandatory in most states. However, this does not imply that you’ll need to spend a fortune each time you insure your car. The kind of insurance you have,  your driving history, and even your car parking location address may affect your car insurance premiums. If you are aware of the variables influencing auto insurance, you may be able to buy an affordable auto insurance policy without sacrificing the level of protection. Factors that affect car insurance rates You’ll have to pay a premium once your car insurance is in effect......

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Renters Insurance VS Landlord Insurance — What’s the Difference?

While renters’ insurance and landlords’ insurance are both necessary, the two differ considerably. Renters insurance covers the belongings of the person renting the home or apartment. Landlords’ insurance, on the other hand, covers the liability associated with the rental property and losses associated to the rented building or dwelling. In either case, gaining a firm understanding of both types of coverage is a great help when renting a property. What is Renter insurance and what does it cover? Renters’ insurance is purchased by the tenant to cover the loss of his/her/their belongings or......

What You Need to Know About Small Business Insurance in Illinois

What You Need to Know About Small Business Insurance in Illinois

To run a business successfully, you must cover everything, from perfecting your product/service to employing the best talent to having a financial safety net of business insurance. 1.2 million people in Illinois depend on small businesses for income, almost half of the state’s workers. When so many people depend on small businesses as a source of income, having insurance coverage becomes even more crucial. So, here’s some information about why small businesses in Illinois need business insurance and the types to choose from: Do You Really Need Small Business Insurance? Aside from compliance with state......

Landlord Insurance 101

Landlord Insurance 101: A Quick Guide

If you have a residential property and considering renting it out, you may have all kinds of questions about landlord insurance and if you really need it. Landlord insurance is also known as Dwelling Fire insurance or a Commercial Insurance. It provides similar coverages, as your homeowners’ policy, but instead, it is for a property that you own and rent to others. A home insurance policy will not cover damage to the rental property. So, if you own rental property, such as a single-family home or two or a multi-unit building, you should......

What is Loss of Use Coverage?

What is Loss of Use Coverage?

What if your home needs some serious repairs? What if a fire breaks out? What if the plumbing system needs a complete overhaul, due to a loss covered by insurance? There are several what-if situations like these that may force you to move out of your house or even a rental property and stay at some hotel, rental or a temporary apartment. Having loss of use coverage included in your homeowners’ insurance policy can help cover costs such as your hotel stay, rental or a temporary apartment or restaurant bills while your residence......

8 Tips- how to compare small business insurance quotes

8 Tips: How To Compare Small Business Insurance Quotes

Having some extent of insurance coverage is crucial for all types of businesses. And, if you are a small business, having the safety net of comprehensive insurance becomes even more essential. Without enough insurance, your business can become vulnerable to impending disasters. But that doesn’t mean you should pay unnecessarily higher premiums. Just pay for what your business requires by comparing quotes of different policies. Here are 8 tips on how to compare the best business insurance quote for your small business. 1. Start with Reputable Insurance Carriers The first thing that you......

How Much Homeowners Insurance Do I Need

How Much Homeowners Insurance Do I Need?

As a homeowner, you must have thought about how much homeowners insurance coverage do you need or if your current policy is enough? Adding everything in your policy will also add up in your policy premium, and you might end up paying more than you need to. Analyzing your policy will help you understand how much homeowners insurance policy do you need. You might want to discuss your policy with your insurance agent to understand your coverage better. Home is likely the single largest purchase anyone makes in their lifetime, and no matter......