Insurance Guides for Chicago and the North Shore
Plain explanations of how coverage actually works, written for homeowners, drivers, condo owners, landlords, and business owners across Wilmette, Evanston, Elmhurst, Chicago, and the surrounding suburbs. Most of these came out of questions clients asked us first.
Browse by topic: home insurance, condo, flood and water damage, umbrella, auto and teen drivers, landlord, life, and business insurance.
Illinois Small Business Insurance: What the Law, Your Landlord, and Your Clients Require
Separate Illinois insurance obligations from lease and client requirements. Build a checklist around employees, vehicles, professional work, and the contracts your business signs.
Life Insurance Requirements for Business Loans, Investors, and Divorce
Life insurance is usually a financial-planning choice, with some loan or agreement requirements. Compare the obligation with the income and debts you want to protect.
Snow Removal Service Risks
Check a snow-removal contractor’s insurance before the season begins. Understand vehicle, property-damage, and injury exposures when hiring someone to work at your home.
Roadside Assistance Coverage
Compare roadside assistance by towing distance, service limits, and price. Ask how the insurer records service calls and check benefits you may already have.
Chicago and Illinois Condo Insurance: Your HO-6 and the Master Policy
Use the association documents and master policy to build your Illinois condo coverage. Work through unit repairs, belongings, assessments, deductibles, and temporary housing.
How Much Umbrella Insurance Do You Need?
Set an umbrella limit by considering assets, income, household activities, and existing liability coverage. Compare several limits against the cost and underlying requirements.
When High Deductible Home Insurance Makes Sense
A deductible changes both the premium and your share of a loss. Compare dollar and percentage deductibles before choosing how much to retain.
Roof Insurance in Chicago: Hail Claims, Deductibles, and Hard-to-Insure Roofs
A roof’s age, condition, and materials can affect eligibility and claim settlement. Review inspection findings, deductibles, and roof-payment terms before renewal.
Insuring a Home or Car Owned by a Trust or LLC
Moving property into a trust or LLC changes the named-owner review. Coordinate deeds, registrations, policy names, and insured interests before completing the transfer.
Flood Insurance on Chicago’s North Shore: NFIP, Private Flood, and Water Backup
Understand what flood insurance covers, how it differs from homeowners coverage, and which limits to compare. Review the property’s water exposure beyond a lender’s requirement.