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Illinois Insurance Blog

How Deerfield Boaters Navigate The Murky Waters of Boat Insurance

Navigating Illinois Boat Insurance: A Guide for Deerfield, IL Boat Owners

Choosing a suitable insurance policy for your boat in Deerfield, IL, may initially seem like a complex task, considering the responsibility that comes with protecting not only your vessel but its passengers and their belongings. However, Stars Insurance professionals are here to alleviate your worries and help you pursue the best boat insurance coverage.

Understanding the Basics of Illinois Boat Insurance

Boat insurance is a strategic financial shield for local boaters against devastating events like boating accidents, theft, or damage. It provides coverage for varied risks and is available in several types in Illinois.

Common Illinois Boat Insurance Plans

The Illinois boat insurance types commonly sought by boaters include:

  • Liability Insurance for Illinois Boaters
  • Property Coverage
  • Medical Payments Coverage
  • Uninsured Boater Coverage
  • Underinsured Boater Coverage
  • Personal Injury Protection
  • Towing and Emergency Assistance for Illinois Boaters

Choosing Comprehensive Boat Insurance in Deerfield, IL

Comprehensive boat insurance in Illinois offers extended coverage for various incidents, providing more protection for your vessel. Full coverage boat insurance safeguards your finances against total loss caused by collisions, natural disasters, vandalism, and other non-collision-related events.

Do You Need Flood Insurance if You Live Away From a Body of Water?

At STARS Insurance, we are dedicated to serving the residents of the Deerfield, IL area. With our comprehensive flood insurance coverage, we strive to provide our customers with the peace of mind they deserve. Our team of knowledgeable professionals is committed to helping our customers navigate the complexities of flood insurance, ensuring they are adequately protected against any potential risks.

Flood Insurance

When considering whether people who live away from bodies of water need flood insurance, it is important to understand the details of each customer’s situation. While individuals residing near rivers, lakes, or coastlines are typically at a higher risk of experiencing flooding, it is essential to know that flood events can occur virtually anywhere. 

It is estimated that nearly 25% of flood insurance claims filed each year are from areas not deemed high-risk for flooding. That’s why it is a good idea for individuals, despite their geographical location, to carefully determine their flood risk and evaluate the need for insurance coverage. Certain conditions, such as heavy rainfall, dam failures, or even urban development, can cause sudden water accumulation, potentially resulting in severe damage to homes and properties. 

It is important to highlight that while obtaining flood insurance is optional for those living outside designated flood zones, certain circumstances may require individuals to carry such coverage. For example, federal law mandates that you have flood insurance if you have a mortgage through a federally regulated or insured lender and your property is located in a special flood-risk area.

Additionally, some local government agencies may impose mandatory flood insurance requirements for properties in flood-prone regions, regardless of their proximity to bodies of water. It is highly recommended that individuals consult with our insurance professionals and assess their unique circumstances to determine whether obtaining flood insurance is necessary.

Find Out More Today

STARS Insurance is committed to providing the best service to residents in the Deerfield, IL area. Our team offers reliable flood insurance coverage for your peace of mind. With our professional expertise and experience, we understand the potential risks and challenges of living in a flood-prone region.

We encourage you to reach out by calling or stopping by our office for more information. STARS Insurance is your trusted partner in safeguarding your home and possessions, allowing you to face unforeseen events confidently.

5 Common Reasons Why Insurers Deny Life Insurance Claims

Life insurance is a  valuable thing to leave your beneficiaries. But no one wants there to be a problem after their departure. If you want to be sure your wishes are fulfilled and your life insurance beneficiaries get the benefits of the policy you purchased, avoid these five common reasons why insurers deny life insurance claims.

Why Insurers Deny Life Insurance Claims

1. Non-disclosure or Misrepresentation

Most life insurance policies ask about health conditions, smoking and drinking habits, risky lifestyle choices, and other things that can influence their decision. If an applicant misrepresents the facts or doesn’t truthfully disclose the information, this may lead to a denial of the claim.

2. Exclusions in the Policy

Life insurance policies almost always exclude certain events, including activities such as extreme sports or circumstances that are not covered. For help determining exactly what exclusions are in a life insurance policy, consult with a representative at STARS Insurance serving Deerfield, IL.

3. Restricted Location

Sometimes a life insurance claim may be denied of the policyholder was intentionally in a restricted location. This may include places where a travel advisory was in place or in a situation where the policyholder intentionally put themselves in harm’s way, such as in a tornado.

4. Inaccurate Beneficiary Information

Life insurance companies do their utmost to pay out legal claims. However, the policyholder must provide accurate beneficiary information in order to do so. Outdated information or inaccurate information can cause unnecessary delays in paying out a claim.

5. Illegal Activities

Some life insurance policies include clauses where illegal activities are not covered. So if a policyholder passed away while engaging in an illegal activity, the claim could possibly be denied.

Call Today To Discuss Your Options

For help with all of your life insurance needs, including how to ensure your claim is paid, contact your representative at STARS Insurance serving Deerfield, IL.

Cracked Windshields and Car Insurance: The Ins and Outs

If you’re worried about your vehicle’s windshield getting cracked, it’s important to know whether your insurance policy will protect you. Our team at STARS Insurance can help you understand whether your Deerfield, IL coverage will effectively pay for any damage caused to your windshield.

A General Policy May Not Help 

A basic collision or liability vehicle insurance policy won’t help you if your windshield gets cracked, even when it’s not your fault. There’s a reason for that: it simply doesn’t cover it. Collision and liability protection cover damages caused by accidents or any damages you cause in an accident. 

So, unless your windshield is cracked in a collision accident, your policy isn’t going to pay out. So what do you do if issues like weather damage your windshield? The only thing you can do is pay for repairs and upgrade your policy to comprehensive to avoid this problem in the future.

Comprehensive Coverage Does 

While your general policy may not protect you if your windshield gets cracked, comprehensive coverage is designed for this kind of extra help. Comprehensive policies typically have a myriad of different damage issues that you can add to your protection to ensure it’s safe, like:

  • Falling tree branches either in a storm or due to damage to the tree through aging 
  • Flying baseballs, softballs, or other types of sports balls hitting the windshield
  • Vandalism or animal attacks causing serious damage to your windshield
  • Snow, rain, or hail damaging your windshield unexpectedly
  • Debris from a heavy windstorm impacting your windshield

Schedule A Consultation Today

Our skilled team at STARS Insurance can provide you with the help that your Deerfield, IL vehicle needs to stay strong and avoid serious damage. By upgrading your policy to comprehensive, you provide yourself with the security that you need to keep your windshield strong and secure.

Four misconceptions about commercial insurance

At STARS Insurance, we’re here to meet the insurance needs of business owners in Deerfield, IL. If you own a business, you need to be aware of common misconceptions that might cause you to make insurance mistakes. 

Here are four common misconceptions about commercial insurance: 

Smaller or new businesses don’t need commercial insurance coverage

You need to insure your business even if it hasn’t been around that long. You also need to insure your business even if it hasn’t grown to a very large size. All companies need insurance coverage because all companies face liability risks. 

Every company has the same commercial insurance needs.

The commercial insurance needs that your company faces depend on a variety of factors such as your industry and business practices.

Don’t think that your company’s insurance needs are the same as any other company’s insurance needs. It’s very important for commercial insurance policies to be customized to the needs of the insured company. 

Commercial liability coverage always covers employee injuries. 

If you want to be sure that employee injuries are covered, you need to invest in workers compensation coverage. This type of coverage might not be included in a standard commercial insurance policy unless the policyholder requests to have it included. 

Most companies don’t need cyber insurance.

Cyber insurance might be more important than you think. Cyber insurance protects sensitive customer data while also securing your company’s own information. That’s why you shouldn’t neglect this type of coverage without looking into its many benefits.

We Are Here To Help

If you’re interested in commercial insurance for your business in Deerfield, IL, we’re here to come to your assistance at STARS Insurance. Get in touch with us today for a policy quote. 

Three Ways Home Insurance Can Protect You

Home insurance is a critical form of protection that allows you to transfer your risk. It can provide various types of coverage that protect you from many types of perils that can damage your home and personal belongings. Also, the insurance coverage you can obtain through STARS Insurance can help you protect your assets. As a homeowner in Deerfield, IL, it’s important to learn more about the benefits of home insurance, so you realize the importance of retaining coverage and not letting it lapse, which could lead to costly losses.

You Can Protect Your Home

The main objective of home insurance is to protect the home itself. When you maintain coverage in Deerfield, IL, your home will be protected against a wide range of risks that could cause extensive damage. Your home insurance policy can be tailored to fit your specific needs. You’ll be able to protect the dwelling and other structures on the property. 

You Can Protect Yourself From Legal Liable 

As a homeowner, you can find yourself liable for the damages, injuries, or losses of others. For example, if someone were to get hurt on your property, you may be held liable since you own the property. When you get coverage from STARS Insurance, you’ll know that you’re covered for situations like this.

You Can Protect Your Personal Belongings

When you obtain home insurance, you can also protect your contents. These include the types of things that would fall out of your home if it were tipped upside down. Knowing your personal property is covered in the case of a major loss can really offer you peace of mind as a homeowner. You can contact STARS Insurance to learn more and get started.

Tips for Storing a Boat

If you want to maximize a boat’s lifespan, it is essential to know how to properly store and winterize the watercraft. Proper storage will help proactively prevent potential damage to the boat when not in use during the off-season. If you are a boater or boat owner in the greater Deerfield, IL, area, the insurance specialists at STARS Insurance offer these essential tips for storing your boat as the summer boating season begins to draw near.

Tips for Storing a Boat

Remember to keep all boat-related paperwork (insurance, registration, and maintenance records) in a safe, conveniently accessible location and –

Clean the Inside/Outside of the Boat

Before storing, remove all debris and dirt on the inside and the hull and deck. Clean compartments to prevent mold/mildew growth.

Change the Oil & Flush the Engine

Consider changing the watercraft’s oil and oil filter before storing the boat. If the boat has an inboard or stern-drive engine, flush it with fresh water to remove any salt/contaminants. Add antifreeze to the cooling system and a fuel stabilizer to the boat’s fuel tank to prevent the gas from breaking down.

Drain Water Systems

Drain all water from the boat’s systems to prevent the freezing of pipes, pumps, etc.

Disconnect Batteries

Disconnect the boat’s batteries and store them in a dry, cool location.

Elevate the Boat & Cover Properly

Use a cover that fits properly/snugly, as this offers the best protection from harsh elements. Elevate on blocks, as this keeps moisture away from the hull. Be sure if the boat is stored indoors that, there is proper ventilation to avoid mold/mildew.

We Are Here To Help!

For more information on the many ways to protect your boat, contact the Deerfield, IL-based STARS Insurance. We can assist you with all your boat insurance needs. 

How Flood Insurance Works and Why You Need It Now

If you live in a flood plain, your mortgage broker may require you to get flood insurance as a condition of giving you the loan. Your home insurance company may also require flood insurance. However, it’s not as easy as adding this to your policy. The stellar agents at STARS Insurance can help you understand how flood coverage works and what policies are available in your area of Deerfield, IL.

How Flood Insurance Works

Flood insurance protects your building and its contents up to certain limits. You can buy flood insurance through the National Flood Insurance Program (NFIP). However, not everyone is eligible for coverage under this federal program. You can also buy flood insurance from private insurers, which may offer more options. Our team is here to guide you through the process so that you understand all the related factors.

Floods rip through communities with terrifying speed. Protect your home and belongings with the right policy for you. It’s also important to understand why you need flood insurance as soon as possible.

Why You Should Get Flood Insurance 

You can protect your property and belongings in the event of a flood, one of the most frequent natural disasters throughout the US. Talk to your agent to ensure you comply with the federal requirements for flood insurance. That’s crucial if you live in a high-risk flood area. 

If you want to eliminate dependence on federal disaster assistance, consider a private insurer. At STARS Insurance, knowledgeable insurance professionals will guide you through different flood insurance options. That makes it easier to narrow down your choices.

We Can Help!

With global warming causing more and more unpredictable weather, you need flood coverage you can count on. Contact us today to make an appointment to get a flood insurance quote in Deerfield, IL.

Here’s Why Young Folks Need Life Insurance Too

Financial preparedness can make or break many families, including younger families. Unfortunately, some younger families fail to take out life insurance policies, which could leave loved ones exposed to considerable risks. If tragedy should strike, financial constraints can make challenges more difficult to manage. As such, it’s crucial for families at any age to look into life insurance programs. Contact STARS Insurance in Deerfield, IL to learn more about the benefits of life insurance.

The Benefits of Life Insurance Policies for Younger Families Explained

Life insurance may provide payouts should a tragedy occur. Which events are covered can vary from plan to plan. However, if you or your spouse should pass away, life insurance may provide payments. The funds provided could help with burial costs and could also provide financial stability in the event of lost income.

Such payments could prove especially crucial for a spouse left behind who is caring for a dependent, such as a child. Raising kids and keeping a roof overhead can be quite expensive. With life insurance, loved ones may have an easier time making mortgage payments or paying for daycare and other services.

Life insurance premiums can vary based on what is covered and the overall health of the person(s) being insured. It’s important to consider individual circumstances and specific policies. That said, young, healthy individuals often enjoy more affordable premiums than older individuals or people who are in bad health.

Reach Out To Us

Selecting the right life insurance plan can be daunting. The decisions made now could have a big impact on people in the future. It’s wise to work with an insurance agent to understand the terms and details of individual life insurance plans. Get in touch with STARS Insurance to learn more about specific life insurance plans in Deerfield, IL.

Is auto liability insurance enough coverage for the new car that I’m leasing?

If you have a car loan or are currently leasing your car, your insurance requirements may differ from other drivers. All drivers are required to carry auto liability insurance. However, there may be situations that require a driver to carry more than just the state minimum required auto insurance. Our STARS Insurance team is committed to helping Deerfield, IL drivers get the coverage they need.

What does Liability Insurance Cover?

Liability insurance covers any medical, legal, or property damage fees you may incur as a result of injuring someone, damaging someone else’s property, or being found at fault for some other driving-related incident. Every state requires drivers to carry auto liability coverage in order to legally drive. However, this form of coverage doesn’t cover anything else beyond other persons’ injuries, property damage, or liability claims. It will not provide any coverage for your damaged property or injuries.

Is auto liability insurance enough coverage for the new car that I’m leasing?

Typically, no. Most lenders and lease holders require drivers to carry full coverage auto insurance. Liability coverage will only cover damage or injuries that the other driver/person experiences. As a loan holder or someone that’s leasing a car, you’re not the owner.

This means that the bank or the hearse holder owns the car until you’ve either paid the car off or completed your lease term. As a result, the lender and the leaseholder require the driver to carry full coverage auto insurance in the event that something happens to damage or total the car. This ensures that the lender or leaseholder will be fully compensated for the vehicle.

Looking for Insurance in the Deerfield, IL area?

If you have questions regarding different forms of auto insurance coverage, call us at STARS Insurance. We’d be happy to help you explore your options.