In the world of vehicle insurance, coverage policies typically assume that a policyholder’s vehicle is a standard issue design and construction from the manufacturer. This tends to make generating insurance polices far easier since manufacturing information can be preloaded into an insurer’s calculations for risk, and the only variable is then the risk and behavior of the driver. However, when a vehicle is modified, that changes the nature of the risk formula and introduces new variables not previously calculated. As a result, an insurer needs to use a policy that acknowledge the changes from original equipment manufacturing design to what the vehicle is now. RVs are no exception to this situation.

It is the responsibility of the RV owner to make sure the insurer is aware that the given RV has been modified and how. Otherwise, the insurer could very well deny a claim for damage outright when the changes are found after the fact during an accident review. Notice is not a bad thing; it gives the insurer a chance to look at the modification and determine what, if anything, changes in the coverage mix. In many cases, very little change occurs at all because most modifications tend to be cosmetic and don’t affect the operating road performance of the RV. However, the review also ensures such changes are captured and specified in the insurance policy drafted so there’s no mistake as to what is covered when it’s time to file a claim.

For RV owners in Illinois and the Bourbonnais, IL region, George Ryan Jr. Insurance Group Inc has been working for years with RV owners of all types. They’ve seen and handled both default manufactured RVs and custom jobs. Their staff can easily answer most questions regarding how modifications are covered as well as how a coverage policy will work. Give them a call to find out more information.

When you have a business in Bourbonnais, IL, you want to make sure that you have the right commercial insurance policy. This includes making sure that there is sufficient coverage and that you are paying an affordable premium. Instead of doing everything on your own, you can work with a broker.

Finding the Right Coverage

The last thing you want to do is have an issue and find that you don’t have coverage for it. This would require you to spend the money out of your business account – something that you probably don’t want to do. Coverage can vary from business to business. For example, you may have a fleet of vehicles, a significant amount of business inventory, and much more.

An insurance broker is going to help you find the coverage that you need. Explanations will be given so that you can understand more about the coverage and why you would potentially need it.

Finding the Right Premium

You are likely trying to contribute as much to the bottom line as possible. This means that you need to take into consideration how much you pay on insurance premiums. There is no reason to spend any more than what is absolutely necessary. An insurance broker can get quotes from multiple insurance companies that write policies in Illinois. This is going to save you a lot of time. The broker can then help you to make comparisons so that you can explore the cost of the policy versus the amount of coverage.

You will be able to rely on experience and knowledge of the industry by working with a broker so that you can be confident that the right policy is written for your business.

Find out more by contacting one of our insurance brokers at the George Ryan Jr. Insurance Group Inc today.

If you are in the market for motorcycle insurance for the first time, you may wonder what the difference is between standard auto insurance and motorcycle insurance. While there are some general coverage options to protect your vehicle, as a rider of motorcycles you receive other coverage based on the greater exposure to outside elements. At George Ryan Jr. Insurance Group Inc, we want to make sure you are properly protected whenever riding your motorcycle around Bourbonnais, IL or anywhere else you might desire. 

Guest Passenger Liability Insurance

When looking at motorcycle insurance, you will find a bodily liability insurance coverage offering. As injuries are more likely to occur while riding a motorcycle, this is an important form of motorcycle insurance. However, one option that is available for motorcycles and really isn’t an option for auto insurance is the guest passenger liability insurance. This protects passengers who may ride with you, including sitting behind you on a two-person bike or in a side car. 

Lower Cost

Motorcycle insurance costs less than regular auto insurance. It really doesn’t matter on the overall value of your bike (unless it is a complete custom job, built from the ground up) as maintenance on a motorcycle is less. Your rate of causing accidents is lower than an auto driver, which reduces the cost and replacing a motorcycle is typically less expensive than what it costs for a vehicle. Plus, the add-on options, such as roadside assistance is going to be less because it is easier to tow a motorcycle into town for repairs than a vehicle (a regular 4×4 truck can assist so fewer specialty vehicles are needed). All of this points to a few different insurance coverage options and an overall lower price tag. 

If you have a standard home insurance policy, then you may already know it won’t cover floods. Living in Illinois though, you can’t ignore the risk of floods and the damage they can do to your home. Before you decide it’s not for you, consider these points before opting out of coverage. 

Floods Can Happen Anywhere 

Even in dry area, floods can be a danger to homeowners everywhere. With the weather patterns such as they are, it’s definitely not going to get any easier to predict which way the figurative tide is going either. In high-risk areas, the lender will go so far as to require the insurance based on their liability. That’s often necessary, since close to half of Americans believe their home will be covered if it sustains flood damage. 

 Protecting What’s Yours 

Your home doesn’t just come together the moment you move in. It’s sometimes decades worth of accumulation of memories and love. Even a small amount of water damage can destroy what you have in practically no time at all. While some objects will never be replaceable, flood insurance takes some of the stress off you during a difficult time. It’s the different between starting to put everything back together again, and feeling like you’ve lost everything to one bad storm. 

Finding the Right Policy 

Do you want to cover your home structure or your structure plus your belongings? Do you want to have some type of coverage on the land as well? Rates will depend on the value and use of your property, and your specific questions are best answered by a good insurance company. George Ryan Jr. Insurance Group Inc serves Bourbonnais, IL, and can be just what you need to pick out a customized policy that works for you. Call today for a quote!