Why do I need Renters Insurance?

Lately here in Illinois we seem to be having 100 year floods on an annual basis. Every year I get calls from clients who have a flooded basement and have not purchased coverage for this risk. Where water back up insurance covers water backing up through drains, sewers and sump pumps, Flood insura...

Spring is the time of year that we start to get quite a few calls related to water in the basement. Every year I send at least 1 communication to my clients to make sure they are fully aware of what is not covered on the basic Homeowners Insurance policy, without purchasing additional coverage. E...

The Landscape of Insurance has certainly changed since I became an Allstate Agent in 1978, 31 years ago. Back in the day it was fairly common to see a Homeowners policy with a $50 deductible, and $100 was fairly standard. With rates on Homeowners insurance increasing throughout the industry, goin...

Most Condominium owners are not aware of the consequences of a claim that originates in their unit, but damages common property covered by the association policy. A good example of this would be a resident that is not attentive in the kitchen and causes a grease fire. The fire most likely would d...