Home Insurance: Getting Ready For The Holidays

There are a lot of ways to get ready for the holidays. As you hang decorations and prepare for the parties, it’s also a good idea to look at your home insurance policy. A lot can happen around the holidays and you want to be prepared for anything that could go wrong in Bourbonnais, IL. Independent insurance agents at George Ryan Jr. Insurance Group Inc can help you every step of the way.

In Bourbonnais, IL, anything can happen. You could have a significant amount of snow land on your roof, causing damage. Too many wires could get plugged in outside, causing a fire. Whatever happens, you want to know that your home insurance policy is there to protect you.

It’s a good idea to review your policy to see what you are and are not covered for. If you aren’t covered for snow damage or fire as a result of electrical problems, it may be the time to add a few riders. You may also want to look at liability protection, especially if you plan on having a holiday party. All it takes is one person getting injured on your property and suing to send you into financial ruin.

You can increase the coverage level in various aspects of your policy. It will provide you with protection so that if you do need to file a claim, the money is there. Otherwise, the insurance company will deny your claim and you will be financially responsible for everything. This can easily be avoided, but you need to make sure that you have the proper coverage on your home before you get into the holiday season.

Contact us at George Ryan Jr. Insurance Group Inc today. We can review your policy and help you to get ready for the holidays by making sure that you have sufficient protection on your home.

 

 

Are Pets Protected with Home Insurance?

Home insurance is something that we are required by law to hold and as such, it is important to know just what it covers. For pet owners, it might be a bit difficult to tell if your pets are covered or not. For those in the Bourbonnais, IL area the agents with George Ryan Jr. Insurance Group Inc can answer all of your questions.

For the most part, your homeowner’s insurance is going to be geared at protecting people from your pets rather than protecting your pets. This means that virtually all policies have a clause that has to do directly with dog bites and dog damage while few say anything about taking care of vet bills or loss of life in a disaster.

The main issue with pets and home insurance is going to be making sure you disclose what breed of dog you have, how many you have, and where they are in the home. This is going to give your agent the chance to make an accurate policy that covers all the bases.  Some homeowners choose to take out additional coverage because they own a dog to help take care of the pet and the homeowner.

This is not something that all pet owners must do but if you have what is considered dangerous dog breed or you have multiple dogs you might want to take out extra coverage. For the most part, your basic policy is going to cover most of the events you would run into and in the case of a fire, you can always mention that you had pets inside to help adjust the claim.

For those in the Bourbonnais, IL area the agents with George Ryan Jr. Insurance Group Inc can answer any and all questions that you have.

Why Going Without Home Insurance is a Bad Idea

Home insurance is something that every home owner can benefit from, period. That being said, some homeowners choose to go without insurance when they pay off their home to help save money each month by not having to pay monthly home insurance premiums. For those in the Bourbonnais, IL area, the agents with George Ryan Jr. Insurance Group Inc can help you find the right coverage.

There is not law that requires that you hold home insurance. Instead, home insurance requirements come from the lenders that you are borrowing from to pay for your home. When you pay your home off fully there is no legal obligation from any party that requires that you keep a home insurance policy. Keeping this in mind, going without a policy of any sort is by far one of the worst ideas you can have. Though it might save you money each month, it will come back to haunt you in the long run.

Not having a policy means for starters that if you have any damage to your home, you are fully responsible for the cost of repairs and there are no agencies that will help you pay for the damage. Another reason that you should keep a policy is that if your home is destroyed and not salvageable, as in a fire, you are fully responsible for all costs associated with fighting the fire, rebuilding after the fire, and even buying a new home if you decide that you have to move.

Home insurance can help you recover from a wide range of instances and can help you get back to living, even if your home is damaged beyond repair. For those in the Bourbonnais, IL area, the agents with George Ryan Jr. Insurance Group Inc can help you find the policy that works best for you.

Protecting Your Bourbonnais, IL Home from Winter Storm Damage

Winter weather conditions and storms can cause a great deal of damage to your home. While homeowners need to perform annual maintenance tasks, such a clearing gutters and inspecting the home’s roof, they also need to take the time to review their homeowner’s policy.  As their needs and situation changes, their homeowner’s policy may also need to be updated. A homeowner’s insurance policy protects the owners and helps them to repair or rebuild more quickly when there is an event that damages or destroys their home. Typically, policies also cover the owner’s personal possessions and any structures, such as sheds, fences, and outbuildings. that are located on the property. If following a disaster the home is deemed inhabitable, the homeowner’s policy will provide funds to cover the additional expenses of hotels and meals while the home is building repaired. Personal liability protection covers the homeowner if someone is injured on the property due to the fault of the homeowner. 

Customers are able to select from several types of policies including all risk and named perils. All risk policies cover all damages unless they are specifically named in the policy. Named perils policies define which events they will and will not cover. Homeowners policies also cite whether they provide for the replacement cost or actual cash value of the home.  Policies that provide for the replacement cost will provide monies based on the current cost of construction. Policies that pay actual cash value deduct depreciation costs from the rebuilding costs. 

The professionals at George Ryan Jr Insurance Group serve homeowners in the Bourbonnais, IL area. Visit their website for a quote, then call or visit for more information. Your home is a big investment.  Get the coverage to protect it today!

Have a Fireplace? Reduce the Risk of Accidental Fire

If you have a home with a fireplace, chances are you appreciate the warmth and charm it adds to your living environment. At the same time, you may have concerns about your fireplace causing an accidental fire. A home insurance policy from George Ryan Jr. Insurance Group, Inc., in Bourbonnais, IL, will protect you against injuries or damage from fire. The following fireplace safety tips can help prevent accidental fireplace-induced fires from occurring on your property.   

1. Have your fireplace and chimney inspected and cleaned by professionals every year before using. A professional inspection will ensure your fireplace is up to par for the winter season.

2. Keep your fireplace clean at all times by removing ashes, vacuuming debris and washing fireplace floor and walls on a regular basis. Clearing flammable materials from your fireplace reduces the risk of accidental fires.  

3. Use only seasoned firewood in your fireplace to avoid creosote buildup on your chimney that could accidentally catch on fire.

4. Avoid using liquid accelerates such as gasoline to start a fire as accidental spills could result in your house catching on fire.

5. Don’t leave children or pets alone with a fire or leave your fire unattended for any length of time as it could lead to accidental fire.

6. Use a fire screen as protection against sparks or embers escaping from the fireplace and catching surrounding furnishings on fire. A fire screen will also keep kids and pets at a safe distance from the fire.

7. Extinguish your fire completely before retiring for the night.  

8. Make sure your home has working smoke and carbon monoxide detectors to warn you of a house fire.

These fire safety tips combined with adequate insurance coverage from George Ryan Jr. Insurance Group, Inc., will keep your Bourbonnais, IL, home safe from the dangers of fire.

 

3 things you need to fix for fall on your home’s exterior

The advent of cooler weather means it’s time for Bourbonnais, IL homeowners to get started on a list of outdoor chores. While it can be tempting to just skip these jobs, at George Ryan Jr. Insurance Group Inc we’ve seen how these relatively simple outdoor tasks can save our clients a lot of money on future home repairs.

  1. Start with your yard.  As soon as cooler weather arrives, trim back the tree branches that look like they could fall and damage your home or cars. For large branches, consider hiring a tree service rather than risk doing it yourself. Once this is done, mow the grass a final time and rake up leaves that will blanket and smother the grass over the coming months. 
  2. Put away the summer stuff. Take a few minutes to store your summer toys and patio furniture. Make sure these items are clean and dry before placing them in a garage or basement. Once winter storms begin, you’ll be glad that these items aren’t blowing around your yard and potentially damaging your home.
  3. Inspect and clean your roof.  Leaves, dirt, and other debris on a roof can mix with rainwater and snow and decompose fairly rapidly.  This releases acids that will eat through your roof shingles. Clearing this stuff off of your roof can prevent high repair bills arriving in the spring.  While you’re up there, clean out your gutters and get them ready for winter snow melt.

If you’re looking to save even more money, call the agents at George Ryan Jr. Insurance Group Inc.  They have years of experience helping Bourbonnais, IL homeowners find policies that fit their budget.

Finding the right home insurance in Bourbonnais, IL

Located just south of the city of Chicago is the quiet community of Bourbonnais, Illinois, which is best known for being the summer training camp home of the Chicago Bears football team. Due to the fact that it’s outside the city but close enough to commute, it is ideal for those who want to have big homes and not spend an outrageous amount on them and also raise families in a quiet community. So if you do own a home in Bourbonnais, IL, you will want a specific type of home insurance to protect yourself from unforeseen issues, so you don’t end up paying a lot of money out of pocket.

FIRE INSURANCE

Every home owner needs fire insurance of some kind, as a fire is always possible everywhere. While Bourbonnais isn’t prone to massive forest fires or anything of that nature, you will undoubtedly want the house protected from any total loss or partial loss due to a fire that could break out inside the home itself.

TORNADO INSURANCE

While tornados don’t cruise up towards Chicago very often, it is important to keep in mind that Bourbonnais is in the Midwest, which is technically part of the infamous tornado alley. So storms do bring strong winds that sometimes turn into tornados and when that once in a century storm does strike and rolls through your Bourbonnais neighborhood, you will want to make sure your home is protected.

INSURANCE AGAINST CRIME

While Bourbonnais is incredibly safe and far enough away from Chicago that the chances of anything happening is quite slim, the truth is thieves and criminals can strike just about anywhere. So having insurance that protects your belongings inside your home is important, to insure that someone who chooses your place to break into doesn’t cost you a lot more in the future.

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

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.