Tag: Home insurance

Water damage is one of the most common issues homeowners face, and Elk Grove Village residents are no exception. From burst pipes to heavy rains, water can cause significant damage to your home and belongings. Hollinger Insurance Services is here to help Elk Grove Village homeowners understand how home insurance can protect them from water-related disasters.

What Does Water Damage Coverage Include?

Home insurance policies typically cover water damage caused by sudden and accidental events. For example, if a pipe bursts and floods your basement, your policy can help cover the cost of repairs and replacing damaged items. Similarly, water damage from a leaking roof caused by a storm may also be covered. However, it’s important to note that gradual damage, such as mold or wear and tear, is usually excluded.

What’s Not Covered?

While home insurance provides valuable protection, it doesn’t cover all types of water damage. Flooding caused by natural disasters, such as heavy rains or overflowing rivers, is not included in standard policies. For this type of coverage, Elk Grove Village homeowners need a separate flood insurance policy. Additionally, damage caused by neglect, such as failing to repair a known leak, is also excluded.

How Elk Grove Village Homeowners Can Stay Protected

• Maintain Your Home: Regularly inspect your plumbing, roof, and gutters to prevent leaks and water damage.
• Consider Flood Insurance: If you live in a flood-prone area, adding flood insurance to your coverage can provide extra protection.
• Act Quickly: Address water damage as soon as it occurs to prevent further issues like mold growth.

Water damage can be stressful, but the right insurance coverage can make recovery much easier. Hollinger Insurance Services is proud to serve Elk Grove Village homeowners, offering policies that protect your home and belongings. Visit Hollinger Insurance Services today to learn more about water damage coverage and how it can protect your property.

Elk Grove Village is the perfect place to enjoy summer. With warm weather and vibrant neighborhoods, homeowners often turn their backyards into hubs for relaxation and entertainment. From pool parties to barbecues, summer fun is a staple of life here. But while backyard bliss is enjoyable, it also comes with risks. Hollinger Insurance Services, located in Elk Grove Village, IL, is here to help you understand how home insurance can protect you during the season of outdoor fun.

Common Backyard Risks and How Insurance Helps

Backyard activities can sometimes lead to unexpected accidents or damage. Here are some common risks homeowners face during summer:

• Pool Accidents: Swimming pools are a great way to cool off, but they also pose liability risks if someone is injured.
• Grill Fires: Barbecues can lead to accidental fires that damage your property or neighboring homes.
• Trampoline Injuries: Trampolines are fun for kids, but they can result in injuries that lead to liability claims.
• Slip-and-Fall Accidents: Wet surfaces around pools or patios can cause guests to slip and injure themselves.

Home insurance policies often include liability coverage to protect you from these risks. Hollinger Insurance Services can help you ensure your policy is comprehensive enough to cover these summer-specific concerns.

Does Your Policy Cover Summer Additions?

Many Elk Grove Village homeowners add features like pools, decks, or outdoor kitchens to their properties during the summer. While these additions enhance your backyard, they can also impact your home insurance policy. For example:

• Swimming Pools: Pools typically require additional liability coverage to protect against accidents.
• Outdoor Kitchens: High-value appliances and fixtures may need to be added to your policy.
• Decks and Patios: Expanding your outdoor space can increase the replacement cost of your home.

Hollinger Insurance Services can help you update your policy to reflect these changes, ensuring your coverage is adequate for your summer upgrades.

Tips for a Safe and Insured Summer

While insurance is essential, taking preventative measures can reduce risks and keep your backyard safe. Here are some tips for a worry-free summer:

• Supervise Pool Activities: Always have an adult present to monitor swimmers, especially children.
• Maintain Your Grill: Clean your grill regularly to prevent grease fires and keep it away from flammable materials.
• Secure Trampolines: Use safety nets and ensure trampolines are placed on level ground.
• Inspect Outdoor Areas: Check for hazards like loose deck boards or slippery surfaces around your pool.

These steps can help you enjoy your backyard while minimizing risks.

Why Hollinger Insurance Services Is Your Summer Ally

As a local agency in Elk Grove Village, IL, Hollinger Insurance Services understands the unique needs of homeowners in the area. Whether you’re hosting a backyard barbecue or installing a new pool, our team is here to help you find the right coverage to protect your home and guests. We’ll work with you to ensure your policy is tailored to your summer lifestyle.

Visit our website to learn more about how we can help you safeguard your home during the summer months. Let Hollinger Insurance Services be your trusted partner in protecting your property and peace of mind.

Contact Hollinger Insurance Services today to discuss your home insurance needs. With summer in full swing, there’s no better time to ensure your backyard fun is fully protected.