Author: agentinsure

How to Decide If You Need Flood Insurance in Bourbonnais

Posted on by agentinsure

If you have a standard home insurance policy, then you may already know it won’t cover floods. Living in Illinois though, you can’t ignore the risk of floods and the damage they can do to your home. Before you decide it’s not for you, consider these points before opting out of coverage. 

Floods Can Happen Anywhere 

Even in dry area, floods can be a danger to homeowners everywhere. With the weather patterns such as they are, it’s definitely not going to get any easier to predict which way the figurative tide is going either. In high-risk areas, the lender will go so far as to require the insurance based on their liability. That’s often necessary, since close to half of Americans believe their home will be covered if it sustains flood damage. 

 Protecting What’s Yours 

Your home doesn’t just come together the moment you move in. It’s sometimes decades worth of accumulation of memories and love. Even a small amount of water damage can destroy what you have in practically no time at all. While some objects will never be replaceable, flood insurance takes some of the stress off you during a difficult time. It’s the different between starting to put everything back together again, and feeling like you’ve lost everything to one bad storm. 

Finding the Right Policy 

Do you want to cover your home structure or your structure plus your belongings? Do you want to have some type of coverage on the land as well? Rates will depend on the value and use of your property, and your specific questions are best answered by a good insurance company. George Ryan Jr. Insurance Group Inc serves Bourbonnais, IL, and can be just what you need to pick out a customized policy that works for you. Call today for a quote!

Reliable Packing Tips from George Ryan Jr. Insurance Group, Inc

Posted on by agentinsure

Owning a home gives you a sense of solidity and well-being and any homeowner wants to do their best to ensure the safety of their house and surrounding property. George Ryan Jr. Insurance Group, Inc provides residents of Illinois with auto, home, commercial, health, life, renters, landlord, condo and flood insurance.  They are there to provide for all of your insurance needs.

As an insurance company who cares, George Ryan also offers solid packing tips for people who are packing unused items or relocating. Here are several good tips below.

1. Get boxes from food stores

Why should you pay for boxes when you can get them from your local food store? Many food stores just throw away cardboard boxes after the items have been packed on the shelves. Just ask the shelf managers or store manager for the discarded boxes before they toss them. They will be glad to have someone dispose of the boxes for them.

2. Do it yourself

No one likes to get rid of or store unused items. If you ask any family member if they want this stowed away or that put up, chances are you will get a firm no; then you will be stuck with a pile of unused stuff cluttering up the house. Take the initiative and do the project yourself. Logically thinking, no one is going to give you a hand with it anyway.

3. Label your boxes

Packing is one thing; remembering where the items came from in the first place after you have sealed the boxes is another. Get some duct tape and paper to label which box came from where and also where it should be stored. You will save yourself a big headache when it is all done.