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Replacing your home is an expensive proposition. Having the right homeowner's insurance can make the process less difficult. When shopping for a policy, look for one that covers the replacement of the structure and the contents, in addition to the cost of living somewhere else while your home is repaired.
Keep in mind the cost of rebuilding doesn't need to include the cost of the land, since you already own it. Depending on the age of your home and the amenities it contains, the cost to replace it could be more or less than the price you paid for it. To get an accurate estimate, find out how much local builders charge per square foot and multiply that number by the amount of space you will need to replace. Don't forget to factor in the cost of upgrades and special features. Also, be sure the policy covers the cost of any liability for injuries that might occur on your property.
Some level of automobile insurance is required by law in most places. Even if you are not required to have it, and you are driving an old clunker that has been paid off for years, automobile insurance is something you shouldn't skip. If you are involved in an accident and someone is injured, or their property is damaged, you may be subject to a lawsuit that could cost you everything you own. Accidents happen quickly, and the results are often tragic. Having no automobile insurance or purchasing only the minimum required coverage saves you only a tiny amount of money and puts everything else you own at risk.
Shop for Insurance Carefully
Insurance policies come in a variety of shapes and sizes and boast many different features, benefits, and prices. We shop for you carefully and read the policies closely. Talk to us to be certain you understand your coverage needs and the cost. We make sure the policies you purchase are adequate for the needs you tell us about.
Consulting for ACA, COBRA, Employee Benefits, Employee On-Boarding, ERISA, Human Resources, Payroll, Unemployment, & Workers' Comp in Aurora, DeKalb, Naperville, Orland Park, Oswego, Rockford, & Schaumburg