Does Every Life Insurance Policy Include Accidental Death?

There is a certain level of confusion that exists when it comes to Centralia, IL residents and their life insurance policies. Accidental death is one of the most commonly discussed aspects of these policies and some may make the mistake of assuming that each policy automatically includes this form of coverage.

Is accidental death coverage included in life insurance policies?

In many cases, accidental death coverage is believed to exist as an alternative to life insurance. Most insurance brokers offer the coverage packages on a separate basis. Accidental death coverage is only available to those who pass away unexpectedly because of a true accident.

Homicides, motor vehicle accidents, and bike accidents are included among this coverage. However, death that is caused by an illness or takes place due to natural causes is not. Some may decide to choose a policy that provides coverage if dismemberment occurs as well. This coverage is designed to assist those who have lost a limb. 

Will we need to buy a separate policy for accidental death coverage?

Yes. While accidental coverage can be added to the majority of life insurance policies, it is not going to be automatically included. The coverage that can be obtained with an accidental death policy may provide the necessary peace of mind for the insured in a way that the average whole life or term life insurance policy cannot. 

Those who plan on purchasing accidental death policies must school themselves on the coverage that they are actually receiving. The coverage will longer be applicable once the insured has reached a certain age (depending on the state) and cannot be used to cover a death that took place due to surgery or illness. 

Alcorn Insurance Agency is here to provide Centralia, IL residents with the assistance that they need when it comes to choosing the proper life insurance policy. Be sure to give us a call as soon as possible. 

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.



What is Included in Your Commercial Insurance Policy?

Commercial insurance should be at the top of your list of things to purchase for your new business. Not only is it required by law, but this type of insurance will keep your business safe from property damage, injured employees, or damage to customers’ items. Finding the right insurance company in the Centralia, IL area is the first step in obtaining this type of insurance. Alcorn Insurance Agency is a knowledgeable, dependable insurance company in the area for you to consider. Another step in getting the right insurance is knowing what policy options are available to you. The most common policies are as follows.


In the unfortunate event that there is an accident among your customers, employees, or you, liability insurance will keep you protected. The most common things that are covered by this insurance are medical expenses and lawsuits or legal fees.

Commercial Auto

Do you plan on delivering goods or services to your customers? Then it is crucial that your vehicle is covered by commercial auto insurance. This policy acts in the same way that traditional auto insurance does. However, it also keeps other drivers or passengers from coming after your company if there is an auto accident. Coverage for the vehicle and employees, medical expenses, liability, collision, and comprehensive coverage are typically included with this policy.

Workers’ Compensation

If you have employees, then you need workers’ compensation insurance. Let’s say that an employee is diagnosed with a medical condition after many years as an employee, such as carpal tunnel syndrome from hours spent at a computer. Workers’ compensation will pay the medical expenses the employee will need.

Commercial Property

Accidents happen and sometimes there is no way around it. Commercial property insurance will protect your assets, building, and any other business items that are damaged.

Having insurance in the Centralia IL area is required by law. Do your research to determine which insurance company is right for you, such as the Alcorn Insurance Agency.

Are Safe Driving Apps Beneficial?

At Alcorn Insurance Agency, every agent is trained to help the residents of Centralia, IL get the best insurance coverage policy for their vehicles. There are several tools that can be used to help drivers maintain a safe driving record and keep their risk of being involved in an accident low. Both insurance companies and vehicle manufacturers offer safe driving apps that help drivers identify areas where they can improve in terms of safety and vehicle maintenance.

How Safe Driving Apps Work

Safe driving apps are used to monitor how well a person drives the vehicle. A mobile app is downloaded to your phone or another smart device. The app then syncs with a program in the vehicle’s computer. The two are constantly communicating and exchanging information. Many insurance companies use the apps to monitor how a person drives under various conditions. The apps provide them information about when a person is most likely to be driving and the length of each trip.

Do They Really Help?

Safe driving apps identify areas where a driver may need some improvement, such as speeding, hard breaking, or using turn signals when appropriate. Each month, the app provides the driver with a letter grade (A+, A, A-, etc.) depending on how well they remained in compliance with the law and practiced safe driving habits. The feedback provided helps drivers to improve their skills and keep their insurance premiums low. 

In Centralia, IL, residents can turn to the agents of Alcorn Insurance Agency if they have questions about safe driving apps and how they work. Call and schedule an appointment with an agent today to find out how you can use the apps to improve your driving skills. 

When to Consider Umbrella Insurance

Umbrella insurance is a type of insurance that a lot of people do not know much about. It is not one that is often talked about when people of insurance but it can be a very helpful type of insurance. It is not a type of insurance that is ideal for everyone but there are specific situations where considering it would be best. Here at Alcorn Insurance Agency, serving Centralia, IL, these are some of the most common reasons why we see people getting umbrella insurance. 

  • If your home or auto insurance is maxed out but does not cover the full value of your home or vehicle, you can get umbrella insurance to cover the rest of the value. 
  • If you have a lot of parties at your home where people come frequently, you may want to get umbrella insurance to give you more liability coverage in case there are any accidents at your home. 
  • If you are well known in the community or are even considered to be a semi-celebrity in your area, you may want to have umbrella insurance to protect you not only from any lawsuits that people may bring to you but also from libel or slander so you can help protect your reputation. 
  • If you simply want to have coverage that will pick up where other insurance coverages end. This is a good policy because it can cover all of the areas that other policies may not cover. 

If you think that umbrella insurance would be an ideal fit for your needs, be sure to reach out to us here at Alcorn Insurance Agency, serving Centralia, IL. We can help you find the right policy for you that will meet all of your needs while still staying within your budget. 

Why Retirement Doesn’t Mean Drop Life Insurance

When one thinks about life insurance in Centralia, IL or elsewhere, it’s generally in light of protecting one’s family and loved ones. However, as the kids move out and go to college and the home becomes an empty nest, that world to protect becomes smaller and smaller. Eventually, it’s just the spouse and the protector who, if they planned well, have put away enough assets to ensure retirement is taken care of. So why in the world would life insurance still be needed? It’s a question a lot of folks answer too quickly, getting rid of their policy and then finding out the hard way why it was a mistake.

The fact is, life remains generally unpredictable. We make go through life entirely fine only to suddenly get a fast-moving medical condition in old age. We may be in an accident no one expects. We could travel and get hurt completely randomly in a way no one ever anticipated. The point is, life happens, and people still leave this plane of existence earlier than they planned to, leaving loved ones behind with everything else that has to be taken care of. And that can be extremely expensive. According to cases seen in Centralia, IL alone by the staff at Alcorn Insurance Agency, funeral costs could reach as much as $25,000, taxes still have to be addressed on property transfer, bills have to be paid even if expected income no longer occurs, and in this day and age seniors may still have a mortgage on a home. All of those issues require ready cash available to avoid further problems after the passing of a loved one. But there are real-time, practical life insurance solutions, and Alcorn Insurance Agency can help. Give them a call to find out more today.

How to Determine the Right Amount of Home Insurance for Your Home

Here at Alcorn Insurance Agency, serving Centralia, IL, we know how important it is to have home insurance on your home. Even if you are not required to have an insurance policy to cover your home by your mortgage company, it is still one of the best things that you can do to protect your largest investment. If you know that you are wanting to have a home insurance policy, you need to make sure that you get the right coverage amounts. Use these tips to make sure you do exactly that.

  • Have enough coverage equal to the value of your home. This is the first thing to consider when you are looking at policies. If you do not have a policy that would cover the entire value of your home and your home is destroyed in some kind of accident, you will have to pay for any gaps in coverage in order to get your home rebuilt.
  • Check the value every few years. It is not enough to cover the value of your home when you first get insurance but you also need to take into account any increased value that comes over time. You should think about increasing coverage anytime there is a marked increase in your area or simply every 5 years.

Now that you know how much home insurance you really need to have, it is time to start looking at policies. You want to make sure that your home is insured as soon as possible. If you would like to get a free quote, be sure to reach out to us here at Alcorn Insurance Agency, serving Centralia, IL. We will make sure you get exactly what you need with a policy that meets your budget.

3 Ways Commercial Insurance Can Protect Your Business

According to a recent report, youths are now more interested in starting their own business rather than work as an employee. Unfortunately, many new startups die off within the first year because of some inevitable challenges.

If you are about to start a new business or you have an existing business in Centralia, IL, you should contact Alcorn Insurance Agency or any other reliable insurance company to know how commercial insurance can protect your business. However, here are three ways by which commercial insurance can protect your business in Centralia, IL.

1. Provision of general liability insurance

This is the most common form of commercial insurance offered by Alcorn Insurance Agency. A client or customer can suffer bodily injury for using any of your products or services. His properties can also get damaged as a result of using your product or service. While you can prevent this, you may not be able to prevent the case of customer or client tripping and falling within your premises.

This is where general liability insurance comes in. It protects your business from any of the situations listed above. Being a startup that is still struggling financially, one lawsuit can nail the coffin of your business for good.

2. Provision of business property insurance

If any of your office furniture, inventory, and electronics get damaged or stolen, this insurance coverage will give you monetary compensation. Remember that the cases of hurricanes and wildfire are not uncommon in many parts of the United States. A natural disaster could damage your office equipment and fittings. Without this insurance coverage, the blow will be too devastating. If you had set everything up with a loan, it will be double trouble for you. So, you can simply prevent that with commercial insurance.

3. Provision of commercial auto insurance

When other people sustain bodily injury or property damage from an automobile accident caused by your own employee, this coverage protects you from the cost of treating the injured parties and fixing the property damages.

In conclusion, there are several other reasons you need commercial insurance to start any business. The ones discussed above are just a few of them. Starting any business without this commercial insurance coverage is simply suicidal.


When Can You Claim Boat Insurance?

A boat insurance policy is designed to cover you in the event of damage to or loss of your boat in Centralia, IL and beyond. A boat insurance policy from Alcorn Insurance Agency covers fishing boats, paddle boats, yachts, leisure boats, and even personal watercraft. A boat insurance policy covers property damage, liability, collision, and bodily injury liability.

However, if you purchase a comprehensive policy, then you will be reimbursed if your boat is stolen, vandalized, or damaged as a result of an incident that isn’t a collision. Although most boat owners purchase a boat insurance policy, they don’t know when they can file a claim on their coverage. Read on to find out when you can file a boat insurance claim.

When Should You File a Claim?

The most appropriate time to file a boat insurance claim varies depending on the type of policy, coverage, and of course, the event that occurred. Some decisions are straightforward and easy to make. For instance, you should file a claim if your boat is either involved in an accident, sinks or if it burns. You should also file a claim if a guest slips and falls in your boat resulting in bodily injury.

The most commonly used coverage of a boat insurance policy is the property damage coverage since it covers all form of damage to the boat itself. If your boat engines fail and you discover that it will cost you a lot of money to repair it, don’t be afraid to file a claim.

You should also file a claim if any form of injury occurs on your vessel. The medical payment coverage is meant to settle the hospital bills arising from such cases. The policy covers your guests in Centralia, IL and beyond. The liability coverage is designed to protect you against expensive lawsuits that may be filed against you.

Are you looking for a standard or comprehensive boat insurance policy? Contact Alcorn Insurance Agency today for quality service.

Is Umbrella Insurance Right for You?

Umbrella insurance is optional coverage you can get in Centralia, IL in order to protect yourself from personal liability and give you extra coverage on your home and auto insurance. When you owe more for a claim that your standard insurance covers, umbrella insurance will kick in.

There are a few reasons why it makes financial sense to buy an umbrella insurance policy. If you have wealth or are starting to build assets, then it makes sense to have an umbrella policy. There are also some common things that make people more likely to be sued. If you have dangerous items in your home, like a swimming pool or trampoline, have teenagers on your auto insurance or regularly host people in your home, then umbrella insurance may help protect your assets.

Think about anything that could cause you to pay for damages to your home or if people could get injured in your home. Owning a waterfront home or traveling a lot could lead you to have more damage to your home. Having young children whose friends come over often could lead you to face potential lawsuits.

Regardless if you have your policies with Alcorn Insurance Agency, in order to get an umbrella policy you will already have to have the minimum levels of liability coverage on your home and auto policies. You won’t be able to buy an umbrella policy on its own. When purchasing umbrella insurance, you will want to get a policy that covers 50% or more of your overall assets. This will make sure you protect your assets, which is the point of the policy. Also, make sure the policy lines up with your home and auto insurance so there aren’t any gaps in coverage.

Contact Alcorn Insurance Agency serving Centralia, IL to find an umbrella insurance policy to suit your needs.