What Does “Actual Cash Value” Mean In Car Insurance?

Defining “Actual Cash Value” Unlike our homes, we all expect that our cars depreciate in value over time. In fact, you are probably familiar with the fact that your car drops in value the second you drive it off the dealership lot. Once your car is no longer new, its resale value diminishes. Your car insurance provider knows this, too, and that is why your car insurance policy probably contains the words “actual cash value.” What actual cash values means is that your insurer will reimburse Read More

Do You Still Need Collision Coverage?

When Dropping Your Collision Coverage Makes Sense When you buy a brand new car, investing in collision coverage should be an easy decision, since it will protect your new car from damage that is done outside of an accident. However, as your car ages and you put more miles on it, collision coverage may not make as much sense. When deciding when it is time to drop your collision coverage, keep these simple steps in mind. Take a look at your auto insurance policy, and figure out just how Read More

How Milestones Will Affect Your Insurance

Insurance Changes Major life changes can be a good sign. From moving out of your parent’s house to saying “I do,” each milestone is sure to change your life. While insurance is probably your last concern during any major life change, you should make time to check your insurance policies after any milestone in your life. Make sure to check your insurance policies if you have any of these life changes. Renting your first apartment – investing in a renter’s insurance policy for your first Read More

Tips To Stay Warm and Save Money On Your Heating Bill

Money Saving Heating Tips The cold winter weather is still hanging around. While you are dreaming of a warm tropical beach and turning up your thermostat to stay cozy, make sure to think about your wallet. Each time you turn up your thermostat, you are adding more money onto your energy bill. Keep these money saving tips in mind to help ensure that you stay warm while saving money. Befriend the sun – while the sun is out during the day, keep your blinds and curtains open to allow the sun Read More

Winterize Before Packing Up At Your Vacation Home!

Are you one of the lucky Americans who are fortunate enough to own a second home? Vacation homes are typically found in the mountains, near the beach, near lakes, or anywhere else where there’s nice weather, while your other location is miserably cold or hot. Before you pack up and head home, there are a number of tasks you should take care of at your vacation home to ensure it will be prepared to face the cold temperatures of the winter months. Here are a few recommendations to get you Read More

Incredible Illinois Pumpkin Patches To Check Out!

If you haven’t already stuffed your calendar full of Halloween get-togethers, and other festivities, then boy do we have some fun ideas for you! Take a look at some of the local holiday happenings that you and your family are sure to love: Head over to Konow’s Corn Maze! The maze can be found in Homer Glen, Illinois and is fun for individuals of all ages! There’ll be live music, a heated tent, a fire pit, and of course- pumpkins! Your children will love sorting through pumpkins until they Read More

September is Life Insurance Awareness Month!

September is National Life Insurance Awareness Month, which is the best time to look into investing in your own life insurance policy, or to look over the coverage of your already existing policy. Most people do not think about a life insurance policy until it is too late. It is never too soon to invest a life insurance policy to make sure that your loved ones are protected when you are gone. Life insurance provides a financial cushion for your loved ones after you pass away. This cushion can Read More