julie anne: Every 218th crash involves a Deer! - 10/10/10 01:04 PM
Well, it is that time of year again, that we start getting more phone calls about collisions involving a Deer. A large insurance company said it recorded 42,844 accidents involving Deer between July 2008 and June 2009 in Illinois alone. That puts Illinois at a rank of 31 on the national list for the likelihood of Deer-vehicle accidents. Of 2.3 million accidents involving Deer nationwide, West Virginia gad the highest rate, while hawaii is the lowest ranking state for such acciidents. Deer are not native to Hawaii, but were introduced there. As always, use precaution when driving at dusk when Deer … (4 comments)

julie anne: Why do I need Renters Insurance? - 04/30/09 10:50 PM
As a tenant renting a home or apartment, Renters Insurance can become an extremely valuable form of protection. Most policies average $150 a year or less, depending the combination of coverage you desire. The most common misconception is that the Landlord will cover my possessions in the event of a fire, burglary....or whatever. Unfortunately many people find out too late that is not true, and stand to lose tens of thousands of dollars in possessions due to the lack of an insurance policy costing about $12.00 a month. Liability is also a key coverage included in these policies. You could trip … (0 comments)

julie anne: Homeowners and Flood Insurance Coverage - 03/22/09 08:38 PM
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 insurance is designed to cover water coming over the top of the foundation. This means that generally the house is surrounded by water and the water has nowhere else to go, but enter the home over the top of the foundation. Over the course of a 30 year mortgage, … (2 comments)

julie anne: Allstate Homeowners Insurance and the use of deductibles - 03/07/09 08:40 AM
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, going with a high deductible is commonplace. My Agency normally recommends a $1,000 deductible or higher, and the savings is normally hundreds of dollars a year. It makes a lot of sense to only insure for those things that you truly cannot afford, and optimistically save money in hopes of never using … (0 comments)

 
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Philip Rutledge

Barrington, IL

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Allstate

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