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August Vincent Insurance Agency

1145 Mitchell Ct, Suite 216
Crystal Lake, IL 60014

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Illinois Insurance Blog

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How Do I Choose an Umbrella Insurance Policy?

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For some people, anything that involves insurance can be complicated. This is even more true when the subject of umbrella insurance is brought up. If you’re considering choosing an umbrella insurance policy, you might have no idea how to go about doing so. Choosing umbrella insurance doesn’t have to be complicated, and here is an overview that can help you choose the policy that works best for you and your needs. 

Determine if you Really Need Umbrella Insurance

The first step to determining your needs when it comes to umbrella insurance is to determine whether you need this type of insurance. Umbrella insurance is an add-on that kicks in once your regular insurance funds have been exhausted following a claim. It is for wealthy individuals who are at risk of being sued for a number of reasons. If you are wealthy and you work with the public, then umbrella insurance is likely to be a good idea. On the other hand, if you’re not wealthy in the least, umbrella insurance probably isn’t for you. 

Do You Have Assets to Protect?

If you’re ever sued, and you don’t have the funds upfront, umbrella insurance can help. However, it would have to have been purchased prior to the incident. 

We Are Here To Help

As you can see, choosing an umbrella insurance policy doesn’t have to be difficult. If you follow this guide, you should be able to figure out a great plan that meets your needs. If you need a new insurance company, you may want to consider August Vincent Insurance Agency. We cover the Crystal Lake, IL area, and we’re here to serve you. If you live in Crystal Lake, IL, give us a call at August Vincent Insurance Agency, so we can provide you with a quote as well as the answers to any questions that you may have.

Will homeowners insurance cover my home’s termite damage?

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Homeowners insurance provides coverage for your home’s interior and exterior structure, all the structures on your property, and your personal items. Liability coverage is also a part of homeowners insurance. In essence, homeowners insurance is defined as many bundled policies in one, meant to cover a variety of different areas. However, there are certain circumstances that aren’t covered by homeowners’ insurance. The August Vincent Insurance Agency is invested in educating Crystal Lake, IL homeowners about homeowners insurance. 

What is homeowners’ insurance? 

Homeowners insurance is a collection of different types of coverage that fall under the same umbrella. For example, liability coverage covers damage to other people’s property as well as the injuries of others. Liability coverage is also a benefit of homeowners insurance. If you damage your neighbor’s mailbox or something falls on a guest while visiting your home, liability insurance will pay for medical care and the repair or replacement of your neighbor’s mailbox.

Will homeowners insurance cover my home’s termite damage?

No. Unfortunately, there are circumstances that aren’t covered by homeowners’ insurance. Termite damage is a problem that is not covered by homeowners’ insurance. Termite damage falls under negligence according to most homeowners’ policies. Termite damage is considered a preventable problem. It’s also considered a part of basic house maintenance. As a result, it’s preventable and not covered by homeowners’ insurance. There are other problems that aren’t covered by most homeowners’ insurance policies as well. Rodent damage isn’t covered by many homeowners’ insurance policies either. Although many circumstances are covered by homeowners insurance, there are situations that aren’t covered by homeowners insurance.

If you have questions about homeowners insurance, call us at August Vincent Insurance Agency in Crystal Lake, IL. We’d be happy to answer your questions. 

Auto Insurance for Ride-Share and Delivery Drivers

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If you’re a ride-share or delivery driver, your insurance needs are unique. Exploring insights into securing the right coverage for your driving ventures is crucial. That’s where we come in – to provide you with insights and tailored insurance solutions that cater to your own specific needs.

Types of insurance to consider:

  • Ride-Share Insurance: Specialized policies for specifically ride-share drivers
  • Commercial Auto Insurance: Provides coverage for both personal and business use of your vehicle.
  • Liability insurance: accidents you might cause while ride-sharing or delivering goods.
  • Uninsured/underinsured motorist coverage: Provides coverage if one ever encounters another motorist who is uninsured/underinsured
  • Additional Liability Coverage: Consider increasing your liability to help with any unforeseen accidents

Policy Adjustments

  • Be honest with your insurer about your intended use of the vehicle to ensure you have the right coverage.
  • Different insurance policies come with various deductibles and premium costs.
  • Carefully review these aspects to find a balance between affordability and coverage.

Gap Coverage

  • Gap coverage is helpful for drivers to fill in the gaps that exist when transitioning personal and commercial use of a vehicle.
  • Follow safety guidelines provided by your ride-share or delivery company to reduce the risk of accidents and claims.
  • Safe driving habits can lead to lower insurance premiums.

 August Vincent Insurance Agency serving Crystal Lake, IL

Are you ready to pick your insurance type for your ride-share or delivery riding experience?

Here at August Vincent Insurance Agency serving Crystal Lake, IL and the surrounding areas, we’re committed to helping you choose the coverage that keeps you, your passengers, and your vehicle safe while you are out on the road. Contact us today and let us be your partner in securing the right insurance solutions for your unique needs. Your safety and peace of mind are our top priorities.

How to Calculate Commercial Insurance Needs

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Having the right level of commercial insurance is essential to prevent losses associated with risk to your business. If you would like to learn more about calculating your commercial insurance needs, you can count on the team at August Vincent Insurance Agency to provide the residents in and around the Crystal Lake, IL area with information and quality insurance products.

Commercial Insurance Coverage 

Commercial insurance coverage is designed to protect your business assets and provide a layer of coverage against liability and other risks. If you are unsure what type of commercial Insurance you need to prevent loss, our insurance agents can help. They can work carefully with business owners to assess their current and potential future needs. They use that information to match them with policy options that meet those needs and eliminate gaps in coverage.

Once you learn about the various types of coverage, we will cover the terms and conditions to ensure you are an informed consumer. We’ll also help you submit your information and documentation to acquire your commercial insurance as soon as possible. If you have any changes that need to be made to the policy or you need to file a claim, we will also offer support. It’s all a part of our commitment to providing the residents of the area with exceptional insurance products and top customer support.

Find Out More Today 

If you would like to learn more about commercial insurance coverage and the many ways it provides a blanket of protection against losses and risk, we can help. Don’t hesitate to call or stop by the office of August Vincent Insurance Agency, which serves the residents in and around the Crystal Lake, IL area.

How umbrella insurance supplements your home and auto policies

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We buy insurance because accidents happen, despite our best intentions. However, some people don’t have the proper coverage for unexpected losses because they lack a vital part of the best insurance plans: umbrella insurance. To discuss how umbrella insurance can protect you and your family, contact our August Vincent Insurance Agency team serving Crystal Lake, IL.

Your Potential Liability

As an Illinoisan, you’ve experienced severe weather and know that slippery conditions can cause someone to fall on your property or contribute to an auto accident for which you are at fault. In either situation, your liability could exceed the amount covered by your home or auto policies, leaving you responsible for the rest. In the worst case, it could mean the loss of your savings, home, or other assets.

That is where umbrella insurance comes to the rescue by covering the amounts over your standard policies’ limits. Of course, umbrella insurance protects against "worst-case" scenarios, so most policyholders never need to tap into their coverage. But that also means umbrella policies are relatively inexpensive, so their value comes from providing you peace of mind, knowing your family is fully protected, even against unlikely events.

Besides supplementing your home and auto liabilities, umbrella policies can also cover legal and court costs resulting from accidents, making it vital protection for potential rainy days.

Working With August Vincent Insurance Agency

Knowing you and your family are protected is comforting in a world where anything can happen. So, if you live in or near Crystal Lake, IL, and want to discuss umbrella or other insurance protection, the August Vincent Insurance Agency team stands ready to help. Call us today to look at the options that make the most sense for you.

Keys to Keeping Our Homes Safe

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We spend a great deal of time, effort, and expense on making our houses homes. From repairs to remodeling projects, our homes are also more than an investment, and at the August Vincent Insurance Agency, we help Crystal Lake, IL homeowners protect more than their homes.

Today, keeping our homes safe has never been easier. And the good news is there are many smart and practical ways to help protect what we have worked so hard to build.

Steps to Protect Your Home

What once used to be a privilege for only those who could afford it, the cost of protecting our homes today is now affordable for almost every homeowner. With advances in technology and home insurance plans tailored to fit the needs of homeowners, people can protect their homes without breaking the bank.

Alarm Systems

One of the most essential keys to protecting our home is getting an alarm system. Today, they make many different types of home alarm systems to protect our humble abodes that are both safe and affordable.

Surveillance

Much like alarm systems, the cost of surveillance systems to watch your property when you are away has become considerably more affordable. These systems can also be as complex or as simple as you wish.

Insurance

Not unlike home alarms, home insurance is another staple in how to keep your home safe. The key to finding the right home insurance often begins with finding a reputable, friendly, and established insurance agent.

Visit the August Vincent Insurance Agency for All Your Home Insurance Needs

We look forward to helping you find the right policy and plan to protect your home and everything that it means to you and your family. Proudly serving our Crystal Lake, IL friends and neighbors, we have home insurance solutions to protect what you care about most. Contact us today to learn more about how we can help.

Three things you’ll like about your auto insurance policy

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There are plenty of great reasons why motorists need to have adequate auto insurance. If you drive a vehicle in the Crystal Lake, IL area, you can rely on us at August Vincent Insurance Agency for your auto insurance coverage. 

The following are three things you’ll like about your auto insurance policy:

Auto insurance reduces the stress of being a driver.

It can be stressful to be a driver because it’s always possible that you will eventually get in an accident. With auto insurance, you don’t have to worry as much when you’re behind the wheel.

Auto insurance gives drivers more peace of mind and allows them to focus on driving safely rather than on the risk of accident damages.

Auto insurance keeps you out of trouble with the law.

Motorists in Illinois need to know that carrying auto insurance isn’t optional. All vehicle owners in Illinois need to carry an adequate amount of insurance.

You could be at risk of getting a citation if you are pulled over without auto insurance. This could result in harsh penalties like fines and a license suspension. 

Auto insurance minimizes the financial loss you experience because of auto accidents. 

You’ll probably end up in much better financial condition after being involved in an accident if you carry insurance. This is especially true if you are held liable for accident damages or you get in an accident with another motorist who is not carrying any insurance coverage. 

Reach Out To Us

Find an auto insurance policy that you love with our help at August Vincent Insurance Agency. We’re a great option when you’re looking for an auto insurance provider that insures drivers in Crystal Lake, IL. 

I’m a new business owner and my business hasn’t made much money yet. Do I still need commercial insurance?

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As a business owner, you’ll likely want your business to be protected from day one. Commercial insurance is designed to provide coverage, regardless of the stage your business is currently in. Speaking with an August Vincent Insurance Agency representative can be helpful when it comes to helping Huntley, IL business owners understand the benefits of commercial insurance.

What is Commercial Insurance?

Commercial insurance is business insurance. This insurance is designed to provide financial and liability protection for your business. This protection can cover your existing property or structure, business vehicles, customer and employee injuries, theft, damage, unforeseen events, and more.

The liability portion of the insurance provides protection from lawsuits and other legal matters associated with your business. Commercial insurance covers a wide variety of different areas of business. For example, if you have company vehicles, commercial auto insurance will provide coverage for the vehicles you use to operate your business. 

I’m a new business owner, and my business hasn’t made much money yet. Do I still need commercial insurance?

If you are unprepared to cover any number of issues that could arise from damage to your business or a liability lawsuit, commercial insurance could be a wise investment for you. Commercial insurance provides a wide variety of different types of coverage that fall under the title of business insurance. Any number of unexpected events could shut down a business if the owner is unprepared.

Commercial insurance provides protection from unexpected events, liability and protection for your business operations and assets as well.

Looking for Insurance in Huntley, IL?

If you have questions regarding how your business could benefit from commercial insurance coverage, call us at August Vincent Insurance Agency. We’d be happy to help you explore your options. 

Who should get an umbrella insurance policy?

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Umbrella insurance policies offer an extra layer of protection beyond the coverage you may already have with your homeowners, auto, or boat insurance policies at August Vincent Insurance Agency. In essence, it provides additional liability coverage if you are sued due to damages or injuries that are not covered by your existing policy. Whether you should get an umbrella policy depends on your particular situation here in the Huntley, IL area and risk tolerance. 

Who should get an umbrella insurance policy?

Those who have substantial assets, own a business, or manage large amounts of money may want to consider getting a personal umbrella policy. This type of policy can provide additional financial security if someone sues them for damages caused by their negligence. Additionally, people who participate in hazardous activities such as skydiving or motocross racing may also benefit from having this extra protection in case an accident occurs.  

Umbrella policies generally cover legal fees and court costs, as well as any judgment amount that exceeds the limits of your other insurance policies. They can also provide you with coverage in situations where your existing policy may not apply, such as slander or libel. 

Ultimately, whether an individual should get an umbrella insurance policy is up to them and their specific needs and preferences. It’s important to weigh the pros and cons of such coverage before making a decision. Consulting with one of our experienced agents at August Vincent Insurance Agency can help individuals determine whether getting a personal umbrella policy is right for them.

Give Us A Call

For more information or to find a policy that meets your needs and your budget, give us a call at August Vincent Insurance Agency today. We are proud to serve the Huntley, IL area.

Three details you shouldn’t overlook when you buy a home insurance policy

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There are a lot of important details that you need to decide on when you insure your home in Huntley, IL. At August Vincent Insurance Agency, we can help you make important decisions on home insurance policy details by answering your questions and providing you with needed information.

The following are three details you shouldn’t overlook when you buy a home insurance policy:

The deductible amount

You need to decide on a deductible amount for your policy. This is the amount you have to put toward your claim before your insurance policy will start paying. 

Higher deductibles typically mean lower premiums. Home insurance policy deductibles can either be flat amounts or percentages of the total amount of coverage you get on a claim. 

Liability coverage maximums

Liability coverage on your home insurance policy pays for the costs of accidents that occur in your home that you’re liable for. It’s important to choose liability coverage maximums that are high enough to pay for the costs of any lawsuit you face. 

Actual cash value or replacement cost coverage

Your home insurance policy also covers your property itself by providing you with either actual cash value or replacement cost coverage. 

Actual cash value coverage covers you for the market value of your property at the time it is damaged. Replacement cost coverage will cover the cost of rebuilding your home without any depreciation in your home’s value being taken into account. 

Do you have questions about insuring your home?

Are you currently getting policy quotes to see which home insurance policy you should purchase? You can call us today at August Vincent Insurance Agency in Huntley, IL to get a quote on a home insurance policy. 

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