Do I Need Condo Insurance in Belleville Illinois? The state of Illinois does not require condo owners to maintain property insurance coverage. However, that doesn't mean that you should go without it. Like other types of properties, a condo is a major investment, and you want to make sure you are protected in case of an emergency. The last thing you want is to lose the condo you worked so hard [...]

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Is A Flooded Basement Covered with Homeowners Insurance? Having homeowners insurance can be the difference between having to spend a fortune on repairs or having them taken care of for you. However, it's important to know what is and isn't covered. If the basement in your O'Fallon, Illinois, home is flooded, your homeowner’s insurance may or may not cover it. The Cause The most important [...]

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Belleville Illinois Construction Insurance Trends The construction industry is in Belleville, Illinois, is doing great, against all the odds. This can be attributed to the fact that more and more companies have been relocating to Chicago in the recent past. It is estimated that this trend will continue for several years. Therefore, it is an excellent time to be in the construction insurance [...]

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What O'Fallon, IL Needs to Know about Flood Insurance There's a good chance that, if you have a mortgage on your home, you're required to purchase flood insurance. If you're not, however, you may be wondering if it's is a good thing to have, or if the risk of flood is less than the amount of the premium you would be paying. When trying to decide if you should purchase this insurance for your home[...]

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What to know about rental car coverage in the Fairview Heights, IL area If you've ever had an accident and found out exactly how long it will take to fix that bent fender, you'll probably know the importance of a rental car. No matter your previous experience renting a car, you can probably imagine that renting a car for a long period of time, such as the weeks that it can take to repair your [...]

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Make sure your family stays safe with these disaster preparation tips Disasters take many forms, and it seems like in Illinois we get a little taste of all of them. Blizzards, heat waves, floods, tornadoes and even earthquakes seem to rear their ugly heads every now and then. Since there is no way to prevent natural disasters, the best you can do is be prepared for them. With this in mind, we're [...]

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Top home security tips to protect your home in Belleville, IL Home security is more than just having an alarm or a contract with a security company. Both are very good steps to take in protecting your home, but they should only be a part of a comprehensive security plan. A great deal of what makes your home safe is little steps that you take every day to create a safe environment for [...]

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Know your renter's policy and protect your belongings There are many reasons why you may be interested in renter's insurance. In some cases, landlords require proof of insurance before signing a lease. It may also be the case that you keep valuables in your apartment and are worried about the financial loss that would be incurred if something happened to them. Whatever your situation [...]

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Be aware of these common insurance risks for the local area Every region has its risks, and if you are looking into buying an insurance policy in the Fairview Heights, IL area you are sure to feel the premium pinch when these risks are assessed and taken into consideration by your insurance policy. To keep you better informed, today we are taking a look at some of the top insurance risks [...]

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Most common business insurance claims and how you can stay protected in Swansea, IL It's the nightmare of every small business: an insurance claim - often the result of a small accident - seemingly does you and your business in. Klein-Merwin-Karrer & Associates is here to guide you through the most common business insurance claims around, and how you can protect your business in Swansea, IL, [...]

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