The best way to protect your Illinois home

Buying real estate and your primary residence can be a great option for someone in the Centralia, IL area. When you own your own property in Centralia, there are many important factors to consider. One important decision that you will have to make will be to purchase a home insurance policy. There are a variety of reasons why home insurance is the best way to protect your Illinois home. 

Get Property Coverage

If you own real estate in Illinois, the best way that you can protect your home is by getting a property insurance policy. When you get a property insurance policy, you will receive insurance coverage for a wide variety of situations. This can include providing you with insurance coverage in the event your home is damaged by a storm, fire, or vandalism. When you have this coverage, you can have peace of mind knowing that he will have financial support if you experience a loss.

Personal Asset Riders

Depending on your situation, you may also want to get a personal asset insurance rider. While a property insurance policy includes some coverage for personal assets, there is often a limit to value. If you have expensive art, jewelry, or other collectibles, you should get a separate rider that will specifically protect these items.

If you are a homeowner in the Centralia, IL area, you will want to make sure that your property is properly protected by insurance. When you are shopping for insurance for your home in Illinois, you should speak with the Alcorn Insurance Agency. The professionals at the Alcorn Insurance Agency will work with you to better identify all of your options when it comes to home insurance. This will help you get into the best policy for your situation. 

Does Home Insurance Cover My Personal Property?

It’s important to know what is and isn’t covered with your home insurance policy. You want to make sure that all of your personal property is covered in Centralia IL. The good news is that you can work with Alcorn Insurance Agency to get the coverage that you need.

A standard policy will cover four aspects of coverage. This includes your structure, your personal belongings, liability protection, as well as additional living expenses in the event that you cannot live in your home for a specific amount of time.

Within the coverage for personal belongings, it includes your furniture, clothing, and various other personal items. If there is a theft, hurricane, fire, or other insured disasters, most of your personal property will be covered in your Centralia, IL home.

It’s a good idea to conduct a home inventory so that you can be sure that all of your personal belongings are identified. It will also give you a chance to value everything. If you have a number of expensive items, such as jewelry or collectibles, they may go above the allotted dollar amount on your policy. However, you can often add a rider to your policy so that you have the coverage for these items as well.

Other personal property, such as what may be stored off-premises, may also be included. You will want to read the fine print of your policy to find out what is and isn’t included so that you don’t get any surprises when you have to file an insurance claim.

Ultimately, you want to make sure that as much of your personal property as possible is encompassed within your home insurance policy.

Contact our independent insurance agents at Alcorn Insurance Agency today. We can review your existing home insurance policy and make recommendations on how to ensure that all of your personal property is protected.

 

 

Terms of homeowners insurance

For most people, there isn’t anything more valuable than your home.  That is why you should check with the Alcorn Insurance Agency in Centralia, IL to make sure you have the correct coverage. There are a lot of things that can change your coverage depending on your situation. It is a good idea to know some of the terms used in the industry. Here are some words you should know when it comes to homeowners insurance.

Actual cash value: This is what it would cost to replace a covered item.  If you have a 10-year old couch you paid $1,000 for, you must realize it is not worth that much today. You would get what it costs to replace a 10-year-old couch instead of a new one.

Market value: This is similar to actual cash value, which is the price something would bring at the current time based on its age and condition.

Liability: This is a policy that pays for damages that are your fault, though not intentional. This could be like someone slipping on your sidewalk.

Replacement cost: What it costs to restore your property.  This would mean a new couch, from the above example.  This could also apply to an older house with masonry done by hand, which would be very expensive today. If you wanted that replaced exactly has it was, the policy would cost more.

Depreciation: This is the decrease in value of property, due to time, wear and tear.

Floater: A floater policy covers items that may be moved out of your house, and is not part of a typical policy. This can be things like furs, jewelry or cameras.

These are just a few of the terms you need to know when buying home insurance. Visit the Alcorn Insurance Agency in Centralia, IL to make sure you have the coverage you need, and that you correctly understand the terminology involved.

 

 

3 Reasons to Protect Your Home Business with Commercial Insurance

If you’ve decided to start a home business, you should be aware that your homeowner’s insurance may be insufficient to protect your business interests. Your homeowner’s insurance policy may not cover expensive business equipment or products or even offer protection against accidents for customers who visit your home for business purposes.

In contrast, commercial insurance from Alcorn Insurance Agency, Centralia, IL, will provide your home business with all the protection it needs. Here are a few reasons to consider commercial coverage for your home business.

Business Property Protection

If your business requires the use of expensive equipment, commercial insurance will protect this equipment from the risk of theft, damage or loss. Commercial insurance can also protect business products you store or sell from your property.

With commercial coverage, you will be compensated for loss of business property due to fire, storm, vandalism or other covered peril. Replacement cost coverage covers the cost of replacing business products or equipment so you don’t have to pay out of pocket. Depending on the extent of damage to your business, commercial coverage could save you from complete financial loss.

Business Liability Protection

Business liability insurance offers various forms of protection for your home business. If you render a professional service from your home, you may want professional liability coverage to protect your clients when on your property. If you manufacture or sell products from your home, product liability will protect you against the risk of injury your product may cause to customers at large.  

Business Growth and Expansion

There are always risks to running a business, whether it’s from your home or in a separate business location. Commercial insurance will protect your business against these risks, giving your enterprise the opportunity to grow and prosper.

For more information about commercial coverage for a home business, contact Alcorn Insurance Agency, Centralia, IL.

Are Pets Covered on Home Insurance?

Pets are a part of the family and as such we are all worried about what would happen should they be killed or injured in our homes. For those in the Centralia, IL area, the agents with Alcorn Insurance Agency can outline just what your policy covers.

In most cases, your insurance is going to cover a wide range of things that are directly associated with your pet. They do cover pet damages to someone else’s property, they often cover things like dog bites to other people, they may cover vet bills if your dog attacks another dog, and they may even cover the cost of the theft of a pet.

In terms of taking care of vet bills, if your pet dies, or if your pet is injured, most policies steer clear of this distinction because not all people own pets. There are alternatives however for those that do have pets and want to protect them. You can take out pet insurance which is very similar to health or life insurance for people to help cover vet bills, take care of them if they are hurt, and more.

In most cases, the homeowner’s policy that you have in place is meant namely to protect the homeowner and the home as well as the contents of the home. That is not to say that they are not also going to protect the home and homeowner from pets and pet damages but that pets are not always the main tenant of any home insurance policy.

If you are at all concerned about what your policy covers and you live in the Centralia, IL area, the agents with Alcorn Insurance Agency can help go over your policy to tell you just what it covers.  

Five Home Projects To Save On Insurance

Living in Centralia, IL can be very rewarding. You love your home and want to do everything you can to protect it. For this reason, you want to make sure that you have affordable home insurance in place. Various DIY home projects can be done to help you accomplish this.

Roofing Repairs

At Alcorn Insurance Agency, we recommend for homeowners to have a roofing inspection and conduct roofing repairs throughout the year. This way, if there is a rainstorm or snowstorm that impacts your roof, it is in better condition. Otherwise, you could end up with extensive damage that could lead to having to file a home insurance claim and spending money out-of-pocket.

Window Repairs

There are various window repairs can be performed to keep energy bills in check and water from entering the home. This includes replacing older glass panes and caulking around the frame.

Landscaping

Landscaping is another way to save on your insurance. If you keep the path leading up to your home free of debris, there is a reduced chance of someone falling. This saves you from a liability claim of someone injuring themselves on your property.

Security System Installation

Various security systems are available on the market. Some include video surveillance cameras, mobile apps, and more. You can install the system and then have a company monitor it for any activity. This reduces the likelihood of experiencing an actual break-in, which can save you on home insurance.

Fencing

A fence the ability to save you a lot of money. Whether you decide to go with chain-link, aluminum, PVC, or anything else, it adds a barrier around your property.

You need to ensure you have financial protection in place on your home in Centralia, IL. There is no reason for you to spend a fortune on home insurance. Contact Alcorn Insurance Agency to learn more about obtaining affordable insurance and get quotes multiple companies today.

Tips for Preventing Water Damage at Home

You’ve put a lot of time and effort into keeping your home clean and well protected but did you know that you could be making some mistakes in Centralia, IL that could lead to water damage later? Before you make some costly mistakes that could haunt you later, be sure to use these tips from Alcorn Insurance Agency today. 

  • Be sure to keep a close eye on your water bill. You should already know what a normal water bill looks like for you but if you notice an increase and you have not actually used more water than normal, then you have cause for concern. This could mean that there is a small leak somewhere and you will want to get it inspected before it becomes an even larger leak. 
  • Be aware of where you plant your trees and other foliage. While this is not something that can cause a water leak immediately, if you plant something in an area close to underground pipes, it will one day be an issue. Make sure you do not plant anything close to underground pipes because they will not move when roots reach them and it will cause a huge water issue that can be costly. Avoid this if possible and be careful of where you plant things. 

Other than using these tips and thinking ahead on any actions for your home, you also need to have a great home insurance policy in place so you can protect yourself in case water damage still happens. There is no way you can prevent it completely from happening so you want a home insurance policy. Whether you currently have one or not, be sure to contact Alcorn Insurance Agency serving Centralia, IL for more information and to get a free quote. 

Winter is Here! Is Your Home Ready?

Smart homeowners recognize the importance of preparing their home for winter. Winterizing a home not only takes the chill out of your indoor environment but can save you money on heating costs. The following tasks should be included in your winter prep plans.

Service Furnace

Before winter hits in earnest, take the time to service your furnace. Professional cleaning and maintenance will keep your furnace operating at top capacity all winter long. Regular maintenance will also extend the lifeline of your furnace to keep it running efficiently longer.

Prep Plumbing

Insulate your water pipes with foam insulation to keep them from freezing in winter. Pre-slit pipe insulation sleeves can be readily found in most hardware stores. Exposed water pipes will only cool down hot water as it passes through, wasting money on heat. By insulating pipes, you save on heating costs and reduce the risk of pipes bursting and causing interior and structural water damage. For added protection against the risk of water damage due to burst pipes, make sure you have water damage insurance coverage from Alcorn Insurance Agency in Centralia, IL.

Prep Fireplace

Get ready to enjoy the warmth of your fireplace by scheduling your annual fireplace inspection at the onset of winter. A professional inspection should include checking and cleaning the chimney to make sure your fireplace is safe to use throughout the season.

Seal Drafts 

Minimize drafts by caulking or weather-stripping windows and doors to seal leaks that allow cold air to seep into your home. If necessary, replace old, worn windows and doors that no longer provide the protection you need from severe cold. By upgrading windows and doors, you can create a warmer, more secure home environment.

Home winter prep includes updating home insurance coverage to meet your present needs.  For more information on home insurance options, contact Alcorn Insurance Agency in Centralia, IL.  

 

Preparing for the Winter in Centralia, IL

If you live in the city of Centralia, IL, you should make sure that you are familiar with home insurance as it operates in that city. You should know everything about your home insurance policy, and this applies some times more than others. It does apply a great deal during seasonal changes, which can be fairly extreme in the state of Illinois and can have an impact on your home.

There are things that you can do to prepare your home for the winter, however. For a comprehensive list of things to do, you should review your home insurance policy. This will tell you which types of damages are covered and which ones are not. Though there are several things that you should do around your home to be prepared, it is more important to take precautions against the events that will not be covered by home insurance.

One of the things that you should make sure to do is clean out the gutters and install gutter guards. If there is debris, such as sticks and leaves, clogging up the gutters, you can end up with ice damming, which is the result of the water being unable to go properly through the drainage system and ending up seeping into your house through the walls and ceiling when the debris prevents ice from being able to flow through. You should also make sure to repair handrails, steps, and holes and cracks in the walls and foundations. Indoors, you should make sure that your house is relatively warm and insulated, and that the pipes are not broken in any way.

If you live in Centralia, IL, you can benefit from contacting the professionals at Alcorn Insurance Agency and asking them about what you can do to make sure that your home is prepared for the winter. The agents at Alcorn Insurance Agency can answer any questions that you might have about home insurance and its importance in the Illinois winters.

Your Funtastic Fall To- Do List

Insuring a Loved One

People fall in love with their homes during the fall months. There is nothing better than coming home to a warm cup of mulled apple cider after a hard days work or a successful tailgating party. Coming in out of the cold renders visions of warmth, security and calm. It is what the residents of Centralia, Illinois dream of, work hard for and work hard toward.  At Alcorn Insurance Agency we respect your logistic loved one. Your home. By helping you provide insurance protection for your home so that you can enjoy it  worry free.

This Fall it is Important To…Have Fun While Checking Off a Few Important To Do’s

  • Make certain that leaf removal is thorough and complete. Instead of the boring chore this typically is, make it a challenge for your family by taking plenty of pictures while you all work together keeping your surroundings leaf free. Have a "Leaf Challenge".by giving out rewards for the "cleanest corner of the property", or the "fastest leaf remover", etc.
  • Putting away the lawn furniture can be another fun to-do list item. Most likely most of your neighbors are ticking off the same fall to-do list. why not join forces. An assembly line effort comprised of all of your neighbors will get those lawn chairs back in everyone’s storage shed faster than going it alone. After the lawn furniture is safe and secure in the shed have a Fun Fall Block Party of sorts featuring a pot luck dinner as a sort of farewell until spring gesture. 

Whether you make your home in Centralia, Illinois or in the surrounding areas that we serve at Alcorn Insurance Agency,  your fall to-do list can be fun. Why not give us a call to discuss your home insurance needs.