At Arial Insurance Group, serving the greater Chicago, IL community, we work hard to make sure that our customers have all the information they need to make educated choices when it comes to their home insurance. Home safety is a top priority for our agency and most homeowners.
Home Safety Tips: Inside & Out
Clean your chimney
If you use your fireplace, it is important to get your chimney cleaned regularly to avoid the danger of a chimney fire.
Check your smoke detectors
Smoke detectors can save your life. Check the batteries every six months to make sure they are working. If you can burn something in the kitchen and not set off the alarm, you have a problem.
Keep stairs and hallways clear of clutter
Falling is one of the biggest safety issues in most homes. Tripping is a real danger, especially for the elderly and little children. Avoid putting hazards where they could cause a fall and stairs and hallways are particularly dangerous.
Add a home security system
Today’s home security systems are much easier to have than in the past. Many take only a few minutes to install and are easy to operate even with your smartphone. It can be as simple as a camera and motion detector spotlights or a doorbell camera.
Keep walkways clear
No one wants to get sued. If you have slippery leaves, ice, or snow on your sidewalk, someone could slip and fall, and legal action could follow.
Lock your doors and windows
Your doors and windows have locks. They are only useful if you use them. Keep them locked not only when you are away, but also when you are inside your home.
Get Coverage For Your Home
Contact Arial Insurance Group in Chicago, IL when you are in need of home insurance information or a policy.
Owning a home is the American dream and, with the right home insurance, you can make sure that it doesn’t become a nightmare. Having an independent insurance agent who knows you and who you know will be there for you is vital. At Arial Insurance Group in Chicago, IL, we know that we work for our customers. We will make sure you get service you can count on from day one.
Home insurance FAQs
Does home insurance cover the roof?
Yes and no. If your roof is leaking because it is 25 years old and needs to be replaced, then no, home insurance doesn’t cover wear and tear. If a storm goes through and rips off some of your roof tiles, that will be covered.
When should you review your home insurance?
You should review your home insurance policy every year when you renew it. Make sure that you know exactly what you are paying for. Check to see if you are getting all the discounts you are eligible for. Read the policy and determine if there are any endorsements that might be right for you.
What is a good deductible?
There is no right or wrong when it comes to the deductible. The higher the deductible, the lower the premium. Only you can decide what makes sense to you. Just remember it is the out-of-pocket amount you will need to pay when you have a claim.
Is my laptop covered when I take it away from home?
Yes, your personal items are covered under your content coverage even when they are away from home with you. But you do still have to pay a deductible if it is lost or stolen.
Contact Arial Insurance Group in Chicago, IL when you need to have a home policy review or are looking for a new insurance agency.
Home Insurance is one of the most important services you can ever purchase. By just paying a monthly premium, your home and all contents within it are protected from most disasters. But what kind of insurance coverages for your home are available? For those in the market for home insurance, Arial Insurance Group in Chicago, IL has options for the homeowner.
If you own your home outright, there are no legal requirements in having home insurance, although it’s strongly suggested that you have it for peace of mind and financial protection. If you have a mortgage on the home, it’s a requirement of the terms of the mortgage to have the home insured. This protects your personal items inside the home and it also protects the lender’s collateral during the life of the mortgage.
Most basic-level home insurance protects the structure (the house itself) and the personal items inside the home to a certain dollar amount. You can pay a higher monthly premium to have a higher dollar amount coverage limit. This coverage offers protection against burglaries, damage to the structure (tree falls on the house during a storm, etc.), and fire. There are also additional coverages that you can get that will protect the property at-large (liability insurance) and flood insurance for flood-prone areas.
Some insurance policies will also provide displacement coverage in the event of an emergency. For instance, if you’ve suffered fire damage (a claimable event) to your home and you need to live elsewhere for a time (hotel, house rental for a month, etc.) your insurance will cover the costs for that expenditure. The insurance company will either set it all up for you ahead of time, or they’ll reimburse what you paid for those services.
You can learn more about home insurance by contacting Arial Insurance Group in Chicago, IL today!
Chicago, IL continues to be one of the most vibrant and populated cities in the country. There are always people looking to move here to enjoy the great professional options and variety of recreational amenities. Anyone who is planning to move to Chicago should think about buying their own home as there are plenty of long-term advantages that come with homeownership. If you buy property here, you will need to maintain the proper insurance for a few reasons.
When Taking Out a Mortgage
A common situation when having a home insurance plan will be required when you are going to take out a mortgage. If you are going to finance your home, the mortgage lender will always want to know that your property is covered with insurance. In almost all cases, this will include approving your initial policy before close and then having you escrow your payments each month.
When Trying to Protect Home
Even if you do not have a mortgage or insurance requirements, an Illinois property owner still needs to have home insurance to protect themselves adequately. The best way this can be done is with home insurance. It will protect the dwelling, give personal liability protection, and protect your personal assets up to your policy limit.
Property owners in Chicago, IL need to carry home insurance at all times. If you assess your insurance needs in this area, speaking with Arial Insurance Group can be a great decision. There are many choices to make when looking for coverage, and Arial Insurance Group can ensure you understand your needs and options. This can help ensure you and your property are fully covered with insurance.
When you think of home insurance in Chicago, IL, it likely seems like a personal matter. You purchase a home insurance policy that goes toward your property. Everyone else in the neighborhood does the same, making it an individual choice. Yet, what you do can affect your larger community, and choosing a better home insurance policy can change things for the better. Arial Insurance Group is here to explain.
Eyes on the Prize
How you take care of your home makes a difference to everyone. When you take pride in your property, it’s not just the neighbors that notice. A broken window or fallen down porch can signal the wrong people that no one is paying attention to the block. It can give them the idea that it’s easy to infiltrate the homes there. Home insurance helps you make the necessary repairs, so there’s less chance of people making the wrong assumptions.
The more everyone pitches in to take care of their property in Chicago, IL, the better the property values will be for all. This is financial protection that can help everyone feel more secure in their investment. You clearly can’t control how other people take care of their home, but leading by example is a good way to influence those who might be tempted toward neglect. Again, home insurance is often the measure through which people wind up keeping their property in better shape.
Arial Insurance Group is here to help everyone in the city, not just our customers. We don’t want to see any blocks start to lose their luster. If you have questions about how we can help you, contact us to inquire about our policies and values. We also can help you with your insurance needs in Arkansas.
Just like any other valuable asset, it’s quite common to have home insurance if you are outside of a mortgage. It is about protecting your investment and your family in a variety of ways.
Your Legal Requirement
It’s quite common that mortgage lenders will require you to have a minimum amount of homeowners insurance as a part of the deal. Since they see your property as an investment, they don’t want it lost in a fire or other covered disaster.
It may also be the case that the lender will purchase home insurance and charge the borrower. Ideally, you should purchase home insurance on your own because the pricing may not be in your favor. When you get a mortgage within Chicago, IL, consider consulting with Arial Insurance Group to see if you can outmatch what the lender had in mind.
Covered in more ways than you thought
A typical policy will cover more than just your actual structure. Here are just a few examples:
- Additional structures: sheds or other detached objects could be included.
- Liability: If other people’s property is damaged or someone is injured while on your property, this can help cover your legal battle down the road.
- Medical bills if your guests are injured.
- Living expenses if you have to relocate from a severely damaged home.
- Covered theft or destruction of valuable personal objects.
With all these in mind, there are limits and deductibles within any policy. Be sure to research the actual cost of your possessions and structures when considering coverage limits.
What happens to your property is still in your hands, and if something terrible happens, home insurance is a means to mitigate how it affects your life. If you’re looking for a good deal and are located within the Chicago, IL area, be sure to check out what Arial Insurance Group has to offer.