Posted on 2/26/2014 6:15 AM By RJ Weiss
When comparing home insurance policies price is important.
However, most homeowners look at only the upfront price of the policy. What’s more important though, is the long-term price of the policy. After all, it’s not important to save $150 today, when that savings costs you $10,500 down the line, right?
Insurance companies don’t make comparing home insurance policies simple. They make “tweaks” to the policy itself, which have large consequences for you, the homeowner.
In 2014, when comparing home insurance companies, below are four different policy tweaks which home insurance companies are beginning to make.
Posted on 2/5/2014 11:30 AM By RJ Weiss
Did you know, the snowiest winter ever in Chicagoland was 1978-79, when we saw 89.7 inches of snow?
Here's the thing, as of the end of January 2014, Chicagoland has seen 51.9 inches this season.
While we might not break the record, we're going to be close.
Why does this matter?
When this snow melts...homes will flood.
And the last thing you want to hear from us is "Sorry but you don't have Flood Insurance."
One of the biggest misconceptions regarding home insurance is that it has coverage for floods.
In most cases, this isn't true.
Flood insurance must be purchased separately.
Another important factor is that flood insurance has a 30 day waiting period before coverage can kick in. Therefore, in order to be protected when Spring arrives, you need to apply for coverage now.
Fortunately, flood insurance is affordable and easy to quote.
To get a free, no obligation quote just head over to a flood insurance page and complete the protection form on the top of the page.
Posted on 1/29/2014 9:31 AM By RJ Weiss
Click through to see how you can prevent identity theft once and for all.
Posted on 1/22/2014 11:31 AM By RJ Weiss
This past week, on two separate occasions, I was connected to someone who had a house fire.
For someone in insurance, that's pretty common, right? But these people didn’t write their home insurance with us. They were connected through friends.
House fires are more common than most people realize. There's a good chance you, or someone close to you, has had a house fire just in the past few years.
The leading cause of fire in the home...cigarettes. Cigarettes alone cause 700 to 900 deaths each year.
When it comes to cigarettes, the prevention is simple... stop smoking in the house.
I know, easier said than done, but it works.
Preventing Fires in the Kitchen
Another leading cause of house fire is cooking.
Posted on 1/15/2014 8:42 AM By RJ Weiss
Last week in Chicagoland, we had one of the worst 4-day spans of weather I can ever remember.
Saturday...rain turned into snow. Sunday...continued to snow, as temperatures reached below zero at night. Monday...record low temperatures all day. Tuesday...it finally "warmed" up to single digits.
You couldn't call for a more perfect weather system for an ice dam to form on your roof.
To get a better definition of what an ice dam is, how it forms, and why it's important to prevent them, let's look at the definition according to Wikipedia:
"An ice dam, on a smaller scale, is a problem of house and building maintenance on sloping roofs in cold climates. Ice dams on roofs form when accumulated snow on a sloping roof melts and flows down the roof, under the insulating blanket of snow, until it reaches below freezing temperature air, typically at the eaves. When the meltwater reaches the freezing air, ice accumulates, forming a dam, and snow that melts later cannot drain properly through the dam. Ice dams may result in leaks through the roofing material, possibly resulting in damaged ceilings, walls, roof structure and insulation, damage or injury when the ice dam falls off or from attempts to remove ice dams."