Why Renters Insurance is a Good Idea!

According to the Insurance Information Institute, 95% of homeowners have home insurance. After all, mortgage lenders require it. So, why is it that only 40% of renters buy renters insurance? Unlike homeowners insurance, renters insurance is not always required; but it can without a doubt save you a lot of money and headaches in the long run.

Here are a few reasons why buying renters insurance should be something on your to-do list.

It’s inexpensive.

There’s a common misconception that renters insurance is expensive, leading renters to opt out. However, a renters insurance policy is generally inexpensive. Not only that, but it’s pretty flexible too. Be sure to contact one of our agents or customer service reps to hear about our low rates and coverage.

A renters insurance policy can help pay medical expenses for your guests.

A renters insurance policy can protect you in a variety of cases. Some that you may not have considered before. If you have kids, for example, it is likely that their friends will come over. Should one be accidentally hurt in your apartment, your renters insurance could help pay the medical bills up to the policy’s limit.

It’s 2018, things are more expensive to replace.

Things are not cheap. That great lamp or coffee table you bought two years ago probably costs more than it did when you first got it. In the event of a fire, flood or theft, your renters insurance policy can help pay for replacement cost at their current price. It makes it possible to replace lost or damaged items.

Your policy could help cover hotel expenses after a disaster.

After a flood or fire, the last thing you want to be worrying about is where you’ll stay the night and how you’re going to pay for it. Your renters insurance policy includes “additional living expenses” coverage in the event that your apartment becomes uninhabitable and you need someplace to live temporarily.

Your legal costs can be covered too.

If an accident occurs in your apartment and you are being sued, the liability coverage on your renters policy can help pay your legal costs up to your policy’s limit. Be sure to speak to one of our agents or customer service reps to hear your amount options.

These are only a couple of reasons why renters insurance is a good – great – idea. Not only will you be saving money, but you’ll have some peace of mind knowing that in any case, you’ll be covered.

Call us today at 877-999-2644 for a FREE quote on renters insurance and to hear your options.

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5 Reasons to Get Motorcycle Insurance

If you’re a motorist, new or veteran, you’ve likely heard the absolute need for motorcycle insurance. But why is it so necessary? Like car insurance, a motorcycle insurance policy can help keep you and your bike safe. Here are 5 good reasons why you should invest in motorcycle insurance.

1) Motorcycle insurance policies are both flexible and affordable. Motorcycle insurance offers a variety of discounts, deductibles, and limits, making it flexible and affordable for riders. While much also depends on things like the type of motorcycle and how often it’s used, our agents can help you find the right coverage for your needs.

2) Your motorcycle policy offers liability protection. Should you collide with another motorist and be considered responsible for his/her property damage or personal injury, the liability coverage on your motorcycle policy will kick in.

3) Your motorcycle insurance policy provides coverage in a collision. Motorcycles aren’t cheap. Having motorcycle insurance can help protect you, your bike, and your wallet, from severe damage.

4) You’ll still have coverage even if a driver you collide with doesn’t. A standard motorcycle insurance policy, typically, includes uninsured/underinsured motorist coverage. This will help protect you from accidents by helping you pay any lost wages or medical attention. Be sure to speak to one of our agents for more information.

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5) You’ll also be covered for damage that isn’t a result of a collision. Also known as comprehensive coverage, this type of coverage can reimburse you for damages caused by fire, theft or vandalism.

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As you can see, motorcycle insurance can be a real lifesaver. If you’re in the market for motorcycle insurance or are looking to save monthly, give one of our agents a call at 877-999-2644 or click here to get a FREE quote.

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773-847-9000

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How To Get Your Car Spring Ready

While it looks like spring is still a couple more weeks away, there’s no reason why you shouldn’t start planning your car’s clean up. Here are a couple of tips that will help you start the season safe and in style.

1) Remove your winter tires. Winter tires are made with a unique compound that creates traction on icy roads. This compound can be easily damaged by the heat during hotter seasons, leaving your tires unsafe to use when it’s winter once again.

2) Wash your car. After months of driving on salty roads, ice and snow, your car deserves a little sprucing up. Wash your vehicle outside on a nice day or take it to your choice of car was to scape off any excess salt, mud, or grime. If possible, finish with a car wax to help seal the paint and add a new, shiny coat.

3) Detail, detail, detail. The outside of your car isn’t the only place needing a little TLC. Your car’s interior is equally important. During the winter months, car mats are covered with road salt, carpets are grimy, and dashboards hide behind a layer of dust. Make sure to vacuum your floors, hose down mats with a pressure washer, and thoroughly clean fabrics and carpets.

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4) Clean our your trunk. It’s often easier to toss all our auto winter gear in the trunk. However, unless something is needed year-round, it’s a good idea to clean out any winter tools that are just taking up space. This won’t only give you more room to store summer things but lighten up the carload too.

5) Take your car in for service. No better time than spring to take your car for a general maintenance check. After driving in harsh winter conditions for months, your car may need a quick tune-up to get back into shape. Be sure to check your headlights/taillights, replace damaged wiper blades, and check tire alignments.

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So, there you have it. Winter may not want to go away, but planning in advance never hurt anyone. Especially when it comes to making sure your car is in excellent condition and road ready.

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Questions? Call Us

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773-847-9000

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