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R Hobbs Insurance Agency Inc Blog Page 8

View the latest blog posts from R Hobbs Insurance Agency Inc.

 3 Important Things to Know About Fire Extinguishers Whether your Buffalo Grove or Lincolnshire home is a three-story Tudor, a skyline-grazing apartment or an RV on wheels, you need at least one fire extinguisher for it. READ MORE >>

Owning a business has perks, but there’s definitely a certain level of liability that comes with being your own boss. That’s why many entrepreneurs opt for an LLC structure instead of a sole proprietorship. Under LLCs, your personal assets are virtually untouchable. READ MORE >>

Turning 18 means you are officially an adult. Now, you’re responsible for all of your own life choices and decisions. You may already be driving. You may own a car, or you are planning to purchase one. Your goal should always be to have a policy that matches your life and your needs. READ MORE >>

4 Things to Know About Taxes and Identity Theft During tax season, your personal information is particularly vulnerable. After all, your Social Security number (SSN) is on W-2 forms, your tax return and other financial documents being sent through the mail, transported to accountants and otherwise used to complete your annual IRS ritual. READ MORE >>

When a fire, storm, or act of vandalism damages your home, you want to get it fixed as soon as possible. Home insurance may provide you with the financial means to pay for these types of repairs. However, you shouldn’t rush into choosing a contractor for the job. Doing so could cause you financial loss in the long term. READ MORE >>

Each state sets laws determining who handles paying for an accident after it occurs. When two parties collide, determining fault is not always the goal. In some states, each person’s insurance pays for the losses. How does this work? Are you in a no-fault or at-fault state? READ MORE >>

Think Renters Insurance is Only for Your “Stuff”? Think Again! Clients often think they don’t need renters insurance — “Nothing I have is worth that much,” they’ll say, or “I don’t have a lot of stuff.” READ MORE >>

When a storm comes through any community, it can cause damage to property in a matter of minutes. Many times, the damage comes in the form of structural losses, such as the roof blowing off the property. Other times, it creates risks that go further, such as leaks that can cause you to lose the inventory in your business. READ MORE >>

A bird may seem like a small, simple animal. However, it can cause damage to your assets including your car. If you have bird-related damage to your car, your auto insurance policy may cover it. Whether you have coverage depends on many factors. Among them is what type of coverage you have. READ MORE >>

In the event of a disaster, understand the procedures and your claim responsibilities   A violent storm damages your house. A grilling accident leaves your guest injured. A burglar breaks in. When an unfortunate event strikes close to home, you might need to file a claim with your insurance company. READ MORE >>

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