by Sam Quijano | Mar 3, 2023 | Habitational Insurance
Are you considering your home or investment property as a vacation rental through platforms like Airbnb or VRBO? In Illinois, it’s essential to understand the insurance requirements and potential liability risks involved. While hosting guests in your home can be...
by Tom Klonowski | Feb 10, 2023 | Habitational Insurance, Personal Insurance
Whether you are a first-time homebuyer, buying your dream vacation home or just looking to switch insurance carriers – securing a homeowner’s insurance policy that will give you peace of mind is crucial! There are several red flags that could prevent you...
by Steve Mikuzis | Dec 7, 2022 | AutoBody & Mechanics, Commercial Real Estate Insurance, Habitational Insurance, Personal Insurance, Restaurant & Bar Insurance, Safety & Prevention Tips
Catastrophic weather events in the United States are on the rise – hurricanes, wildfires, tornadoes, ice storms – all cause significant property damage to owners. The toll is both financial and emotional for individuals dealing with the aftermath. Here are some...
by Steve Mikuzis | Dec 7, 2022 | Habitational Insurance, Personal Insurance
Most property insurance policies contain a provision that obligates the carrier to “repair or replace and insured’s damaged property with material of LIKE KIND and QUALITY or with SIMILAR MATERIAL. For all intents and purposes this is fine it’s when there is a...
by Steve Mikuzis | Oct 24, 2022 | AutoBody & Mechanics, Habitational Insurance, Restaurant & Bar Insurance
Excess or surplus lines insurance carriers are “non-admitted insurers” and that simply means they sell policies that are not backed by your state. These carriers typically don’t fall under traditional insurance regulations. Although some states do regulate...
by Steve Mikuzis | Jun 20, 2022 | Habitational Insurance
Whether you are on the board of a Condominium or Homeowner’s Association (HOA) or own property in one, you should take the time to understand the By-Laws of the Association and how the insurance policies in place for that Association work at the time of a claim. ...
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