Those that are in the Evergreen Park, IL area are going to have many different personal insurance needs. One type of insurance that all people in this area heed to have is health insurance. There continue to be a number of reasons why residents in this part of Illinois need to have health insurance at all times.

Insurance Provides Access to Care

A primary reason that anyone will need to have health insurance is that it will provide access to affordable care. Being able to see a doctor regularly, getting access to medication, and receiving procedures when necessary is very important. Unfortunately, those that are not covered by insurance will find that the cost of these procedures is extremely expensive. When you have health insurance, you will be able to receive the care that you need at a far more reasonable cost.

Insurance is a Requirement Today

You will also need to get health insurance because it is a requirement to maintain. Today, all people are required to provide evidence of consistent health insurance coverage. If you are not able to provide this evidence due to lack of coverage, you may be assessed a penalty when you file your taxes. 

Anyone that is going to get a health insurance policy in the Evergreen Park, IL area will find that there are many different options to choose from. When you are in the market for a new health insurance policy in the Evergreen Park area, you should call the Martin Insurance Team. Picking a health insurance plan can seem quite complicated and there continue to be many options to choose from. When you call the Martin Insurance Team, they can help you determine what type and level of coverage is right for you. 

Martin Insurance Team serves the Evergreen Park, IL community. We offer our clients multiple types of policies so that they will be covered if an emergency arises. We have partnerships with multiple carriers across the country. We are proud to serve the community as an independent agency.

An In-Depth Look At Disability Insurance

Disability insurance offers a safety net in the event of an emergency. Accidents can happen at any time. Disability insurance covers you as you figure out your next steps moving forward. If you are permanently disabled, you will be covered so that you can continue to function in Evergreen Park, IL while you are unable to work. The policy helps you protect your assets and manage different risks while you are disabled. You can also find a policy to cover you if you are disabled for a short period of time.

Keep in mind that serious injuries such as broken bones aren’t the only way that you can become disabled. Perhaps you are diagnosed with a serious illness. You could also suffer a stroke or heart attack that leaves you disabled. That’s why disability insurance is an asset. You will be covered if an unexpected issue arises. Also, remember that your disability insurance policy will include a grace period. If you choose short-term coverage, your grace period will likely be a couple of weeks. If you opt for a long-term policy, your waiting period might be two months.

Other Variables

Instead of short-term or long-term disability, you can opt for partial disability, which covers you if you are unable to handle a full work schedule. You can also amend your policy to cover you if you can’t work in your qualified field because of your disability and you have to seek another job outside of the industry.

Martin Insurance Team Will Help You Find Coverage

Visit our website today to learn more information about disability insurance.

Martin Insurance Team serves the Evergreen Park, IL community, as well as the surrounding areas, by helping people find coverage. We strive to help our clients regardless of their individual needs. We have established partnerships with over 15 carriers across the country.

Transportation Insurance Explained

Every day, vehicles transport tons of goods and cargo across the country. Regardless of the industry that you are working in, if you are delivering products from Evergreen Park, IL to various places, transportation insurance will cover you. Transportation insurance covers your commercial vehicles if they suffer damages due to a collision. You can also add extra coverage to protect you if the vehicle needs emergency roadside assistance. Liability coverage protects you if something happens to the cargo that you are transporting or if you damage someone else’s property.

The policy includes cargo theft coverage. One of the biggest concerns involving the logistics and transportation industry is the threat of cargo being stolen. Transportation insurance will cover you if cargo is stolen so that the supply chain will not be compromised. You will also be covered if there is an issue loading and unloading cargo. If you are operating a warehouse, you can add worker’s compensation to cover you if your employees suffer an injury while they are handling cargo to be transported.

If you are transporting a large amount of cargo at once, consider adding umbrella coverage. Umbrella coverage adds an extra layer of protection if a disaster arises. You can amend your policy to cover you if your business decides to switch from transporting cargo in large trucks to smaller vans or cars.

Martin Insurance Team Will Help You Transport Goods Safely

Visit our website today to learn more information about transportation insurance.

Motorcycle insurance combined with protective gear is essential to your safety on the road. Insurance helps offset the cost of motorcycle repairs, medical bills, towing, and other expenses associated with accidents and breakdowns during your travels. If you own a costly bike or rely on it daily for transportation, you can benefit from the protection that motorcycle insurance from Martin Insurance Team has to offer. Here are some important reasons to purchase motorcycle insurance in Evergreen Park, IL.

Fulfill Illinois Insurance Requirements

Motorcycle liability insurance is required in Illinois by law. It fulfills your responsibility to others in accidents you cause. If you’re found at fault of an accident, you’re responsible to pay for injuries and damages of other drivers/riders. Liability covers these expenses to keep you from having to pay them on your own. It also protects you against lawsuits if you’re sued for damages.

Protect Your Costly Investment

Road accidents can cause extensive damage to your bike. Without insurance, you could be stuck paying for repairs out of pocket. Collision, comprehensive and uninsured motorist coverage protects you against damage caused by crashes, inclement weather, vandalism, and accidents with uninsured motorists to save you from financial loss. With the financial compensation that insurance provides, you can have your bike repaired (or replaced) quickly and effectively without taxing your budget.  

Covers Medical Costs of Accidental Injuries

Motorcycle accidents pose a greater risk of injuries due to greater exposure on the open road. Medical payments coverage helps cover the cost of these injuries so you’re not overrun with hospital bills during this difficult time. You can recover in peace knowing you have financial help at the time you need it most.  

For more information about motorcycle insurance in Evergreen Park, IL, call or visit  Martin Insurance Team at your earliest convenience.

While home insurance is not required under the law in Illinois, you will want to obtain a policy anyway. If you owe a mortgage on your home, you will more than likely be required to have a policy but a homeowner’s insurance policy will provide you with the protection and peace of mind you and your family deserve.

Homeowners insurance is a type of coverage that will help you to replace or repair your house or its contents if an event occurs in which they are damaged. It will also provide coverage if someone who is visiting your home is injured somehow.

The amount of home insurance you will need to obtain is determined by the value of your home and its contents. One of our knowledgeable agents at the Martin Insurance Team can assist you in determining the amount of coverage you need by assessing how much your home is worth and how much it would cost to replace your belongings, appliances, furniture, and other items if they are destroyed or damaged.

A homeowner’s insurance policy will cover your entire house and property and other buildings and structures that are located on your property, such as a garage or shed. It will also cover your personal belongings, and liability for damages or injuries to a person or their property while visiting you at your home. A home insurance policy will cover damages caused by a fire, vandalism, or a natural disaster, such as high winds or a hail storm. It will also replace your items if your home is broken into and they are stolen. You can also opt for additional coverage for incidents, such as floods or earthquakes.

To determine the best home insurance policy for you and your situation, contact the experienced and trusted home insurance agents at the Martin Insurance Team in Evergreen Park, IL.

The leaves are turning bright colors and the days are getting shorter, that can only mean one thing, winter is right around the corner. Getting your home ready for winter is something that most homeowners start to think about as soon as the weather starts getting colder.  Martin Insurance Team in Evergreen Park, IL is a full-service independent agency that takes the time to get to know their clients. 

Clean gutters

Once all the leaves have fallen from the trees, it is time to clean the gutters. This is a job best handled by a professional but if you must climb a ladder yourself, never do it alone. Having a spotter provides the extra pair of eyes you need to make sure you don’t get hurt.

Chimney inspection

Nothing is quite as romantic and warming as a fire in the fireplace. Hanging stockings on the mantle at Christmas with a fire crackling is a scene familiar to most people. Before any of this can happen you need to make sure that your chimney is in good repair and cleaned. Hiring a chimney sweep will get the job done. 

Change the batteries

Twice a year it is time to change the batteries in your smoke detectors and carbon dioxide detector. Carbon dioxide is a danger in the winter when the house is closed up and the air can’t escape. 

Plug the leaks

It’s time to check all the places where you are losing heat. Heat costs money and letting it escape is like throwing dollar bills into the fireplace. Check the windows and doors for cracks. Be prepared with caulk and weather stripping. 

These are just some of the ways that you can get your home ready for winter. If you are prepared to discuss your home insurance needs, at  Martin Insurance Team in Evergreen Park, IL we are here to help. Give us a call or visit our office for a free quote. 

Many homeowners in Evergreen Park, IL make the mistake of assuming that their homeowner’s insurance will protect their property in case of an accident, natural disaster, or other situations that cause damage. Often, homeowners insurance will not cover your home if you are renting out to tenants. Landlord liability insurance helps to protect your property if something goes wrong.

What Is Landlord Liability Insurance?

Landlord liability insurance covers you financially in case a tenant or guest attempts to file a lawsuit against you for damages. Damages include financial harm, emotional distress, physical injuries, and a fatality. It assists with paying for costs if it’s determined that you’re legally liable for an injury on your property.

What Is Covered By Landlord Liability Insurance?

Liability protection: This typically covers medical or legal expenses that may occur if a tenant or guest experiences an injury as a result of poor property maintenance (example: shoddy sidewalk, mold, icy walkways, etc).

Property damage: This covers property damage that stems from fire, gas/electric defect, irresponsible tenants, or from a natural disaster.

Loss of Rental Income: This covers you in the event that your property becomes completely uninhabitable due to termites, rat infestation, mold. With some insurance policies, you will receive a temporary rental reimbursement to offset the rental fees you would have received otherwise if your property was not occupied by tenants.

Why You Need Landlord Liability Insurance

Even with homeowners insurance in Evergreen, IL, chances are your policy will not cover your property if it’s occupied by tenants. With landlord liability insurance, the structure of the property is protected and includes liability coverage that can help you avoid expenses paid out of your own pocket if it’s determined that you are at fault in particular situations.

Takeaways

If you’re considering landlord liability insurance, it’s essential that you speak with an agent at The Martin Insurance Team to tailor coverage that best fits your situation. The Martin Insurance Team will review your needs and help you determine which type of landlord liability insurance is the most appropriate for you.

Personal Umbrella Insurance

Having standard homeowners, auto, or other types of insurance may not be enough coverage to keep you protected in special circumstances. Your dog attacks someone, your kids get in trouble throwing a party and someone is injured, or any number of incidents that involve other people can be financially devastating in the event of a lawsuit. This is where having more coverage with an umbrella insurance policy comes in.

Having extra umbrella insurance can safeguard against costly lawsuits and give you greater peace of mind. You may regret not getting this extra coverage especially if you have a lot of valuable assets to protect. Martin Insurance Team in Evergreen Park, IL has years of experience helping individuals with the most affordable umbrella insurance tailored to their needs.

Staying Protected

The layers of liability protection from an umbrella policy far outweigh the minimal extra costs. Lawsuits that involve other parties can be costly, but can also generate extra stress. In the unfortunate event of a lawsuit, you will be happy you invested in extra coverage. The amount of extra coverage is really up to you and your budget. If you have many high-dollar assets and properties, having extra coverage becomes almost a necessity if you don’t want to suffer big losses.

Insurance Professionals in Illinois

The professional team at Martin Insurance Team of the Evergreen Park, IL area can help you learn about your different options when purchasing additional umbrella liability policies. We have years of experience working with our clients to make sure they and their families are protected above and beyond with the best quality umbrella insurance policies. Stop in or give us a call today to see how we can help.