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This quoting page should only be used as a guide. Every person is different as far as how much insurance you need and what your rate is based on such as medical conditions. We highly recommend that you speak with us at the Ryan Braden Insurance Agency to make sure you have the proper coverage and best type of life insurance in place that will meet your family needs. We understand this process is very confusing. Learn more about <a href="https://ryanbradenagency.com/illinois-life-insurance/">Illinois life insurance</a>.

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3 weeks ago · by · Comments Off on A Beginner’s Guide to Insurance for Fire and Other Natural Disasters

A Beginner’s Guide to Insurance for Fire and Other Natural Disasters

Net premiums in the US insurance industry exceeded $1.2 trillion in 2018.

Within this massive industry, there are many smaller sectors and subsectors. Insurance for fire and other natural disasters forms one important part of this framework.

If you’ve recently moved into a new home, and you’re wondering whether this type of insurance would represent a good investment for you, there are several things you need to consider. 

Let’s take a closer look at insurance for fires and other natural disasters.

Do I Need Insurance for Fire and Other Natural Disasters?

Many houses must, under federal legislation, legally have flood insurance. However, these rules don’t apply to other types of homeowners’ insurance.

You might be required to take out this type of insurance by your mortgage provider.

Even if the choice about whether to take out this type of cover is entirely yours, it’s usually a good idea. Homes can suffer extreme damage in fires or other disasters, and the cost of this will fall entirely to you if you don’t have a homeowners’ insurance policy that covers these risks.

What Does Disaster Insurance Cover?

The specific coverage that disaster insurance offers varies from one policy to the next. However, there are some basic risks that will usually fall under its remit.

Structural Damage

Most of these insurance policies will cover the cost of rebuilding your home if it suffers structural damage. This can range from collapsed walls and broken windows to complete destruction of your home.

Contents Damage

Most disaster insurance will cover damage to the contents of your home. The main considerations here would be furniture, white goods, electronics, and valuables such as jewelry.

You should note that only contents that you mention in your insurance application will be eligible for coverage.

How Much Does Insurance Cost?

Like every other type of insurance, coverage against fire and other natural disasters will have a premium that is based on the risk of damage. The more likely you are to experience a fire or other natural disaster, the higher your premium will be.

There are a few factors that are relevant here.

One is the material from which your house is built. Wooden homes will suffer far more structural damage in a fire than concrete-built ones.

Another consideration is the climate in your area. If it’s dry and hot for long stretches of the year, your fire insurance premium will be higher.

Certain areas are also more likely to suffer natural disasters (such as tornados) than others, therefore, they will have higher disaster insurance premiums.

Get the Protection You Need for Your Home

Moving to a new house can be a costly business, and you might be unwilling to consider taking on more expenditure unless you absolutely have to. However, insurance for fire and other natural disasters is not something you should neglect.

While it might seem like nothing but an expense in the short term, it has the potential to save you from financial ruin if disaster should strike.

To learn more about how we can help to keep your home safe, contact us today.

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3 months ago · by · Comments Off on Types of Commercial Insurance and Why it’s Important

Types of Commercial Insurance and Why it’s Important

Your business deserves to be safeguarded, and you deserve to focus on growing your company instead of worrying about what could go wrong. One of the most crucial ways to protect your company is with commercial insurance.

Let’s go over the various types of commercial insurance out there, and why they will benefit you and your company. 

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3 months ago · by · Comments Off on How Much Auto Insurance Do You Need?

How Much Auto Insurance Do You Need?

Car insurance is a necessity to drive legally, but that doesn’t mean you need to overpay.

Finding the right car insurance often means walking a fine line between price and total coverage. You don’t want coverage you don’t need but finding yourself underinsured could be devastating.

If you find yourself wondering how much auto insurance you need, we can help you. Here’s what you need to know about car insurance in Illinois.

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3 months ago · by · Comments Off on Coronavirus and Home Insurance: This is What You Need to Know

Coronavirus and Home Insurance: This is What You Need to Know

Projections show that the US could suffer as many as 100,000 coronavirus-related deaths by the time the crisis has ended.

With this tragedy so present in our lives, it can be easy to forget about practical considerations easily overlooked due to concern about the virus. However, they still exist, and must be attended to.

One such consideration is home insurance. Here, we share some worldwide predictions about the effects of coronavirus on the home insurance industry.

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3 months ago · by · Comments Off on Life Insurance: A Helpful Guide on Who Needs It

Life Insurance: A Helpful Guide on Who Needs It

Life Insurance can be an integral part of a family, offering peace of mind to a spouse and any dependents. Life is fragile, and during this pandemic, that phrase has never been truer. 

Even if you don’t have a family, life insurance could be right for you. You might be asking yourself is life insurance necessary? In this guide we’ll go over why it might be, and what you need to know about it. 

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Ryan Braden Insurance Agency

25 S Grove Ave
Suite 201-A
Elgin, IL 60120

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