Some of the costliest Homeowners Insurance claims are from sewer and water backup mishaps. The most common cause of a backup in your sewer lateral, the pipe that runs from your city’s sanitary sewer main to your home, is from items the line is not meant to handle. We’ve gathered some practical prevention tips to help you to avoid sewer pitfalls.
There are several simple things you can do to prevent backups in your lateral and main sewer line.
· Paper products – Do not flush anything other than toilet paper down your drain. Disposable diapers, paper towels, feminine hygiene products, etc. are not designed to deteriorate quickly and can clog your sewer line.
· Cooking grease - As grease goes down the drain and cools, it solidifies and gets trapped. Instead of rinsing grease down the drain, dispose of cooled grease in your garbage.
Flushing paper products other than toilet paper down your toilet can wreak havoc with your plumbing. This includes items that accidentally fall into the toilet, such as keys, combs and toothbrushes. While it may seem harmless, flushing items that accidentally fall into your toilet is a major culprit in blocking your sewer line. Our simple prevention tip? Keep the toilet lid down!
Often, most water entering the basement is not due to a sewer backup but rather from poor soil grading around your home’s exterior. If you have a water problem and have ruled out sewer backup, making sure that water is draining away from your home’s foundation properly can often fix the problem. You can count on us for all your home matters, including Sewer Backup coverage and Flood Insurance. Contact us today at 815-459-3300 for more information about our affordable coverage options.
Zywave, Inc.
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Posted by Market Financial Group on Thu, 25 Apr 2013
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Obtaining coverage specific to your mobile home is essential. In fact, a standard homeowners insurance policy will not cover your liabilities in the same way this specific policy will. Beyond that, there are also endorsements you can add to the policy to cater to your specific mobile home and personal needs.
Coverage Inclusions
§ Coverage for your actual mobile home and any adjacent structures that are on your premises – including all forms of loss like fire, windstorm damage, damage from falling objects, lightning and explosions.
§ Personal property protection – covers losses for removable property such as electronic equipment, bicycles, furniture and clothing.
§ Personal liability protection – covers losses in the event that someone or something is injured on your property. Policy pays for medical expenses for non-residents of your home and damages or defense costs as a result of covered accidental incidents.
§ Protection for improvements
§ Loss of use of your mobile home
Additional Endorsements:
For added protection, consider purchasing these endorsements:
· Emergency removal – Moving your mobile home if an oncoming disaster (fire, tornado, etc.) threatens your home and safety. Policy pays for you to move to another location.
· Trip collision – Protection for use when moving your mobile home to another permanent location.
· Worldwide coverage – Protection for your personal belongings if they are lost, stolen or damaged when traveling to another permanent location.
· Fire department charges – Policy provides reimbursement for charges incurred if your mobile home is located in an area that is not serviced by a fire department.
· Extended coverage – Used for valuables, such as jewelry, furs and heirlooms. Extended coverage for electronics.
· Water backup – Protects against damage resulting from water backups through your sewer, drains or sump pumps.
· Additional dwelling rented to others
The Basics
A mobile home insurance policy will provide coverage for your home and property such as:
· Mobile home
· Attached patio and/or deck
· Storage shed or garage
· Clothing
· Cooking appliances
· Entertainment equipment
· Personal possessions
Call Market Financial Group, LTD. today at 815-459-3300 to learn more about our mobile home insurance options.
Zywave, Inc. All rights reserved.
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Posted by Market Financial Group on Thu, 28 Mar 2013
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Do You Feel a Need for Speed on the Open Water?
If so, you also have a need for right insurance protection! Now that you own your personal watercraft (PWC), it’s time for some fun in the sun. But first, you’ll want to know about all the ways your PWC policy allows you to stay protected, including bodily injury, property damage and theft.
Policy Details
A typical policy will include a $250 deductible for property damage, $500 for theft and $1,000 for medical payments. Liability starts at $15,000 and can increase to $300,000 to provide you and your family the financial protection you need in case your PWC is involved in an accident.
In addition, most policies include water sports liability coverage, which provides protection when you engage in sporting activities such as waterskiing, knee boarding or tubing.
Additional Liability Coverage
You may also want to consider purchasing a personal umbrella insurance policy connected to your homeowners or automobile insurance policy to give you additional liability protection. This coverage will provide you $1 million in additional coverage at an affordable price.
PWC Safety
Though PWC vehicles provide hours of enjoyment and are fairly easy to operate, they can be dangerous to use. Stay safe while operating your PWC by remembering these safety tips:
§ Do not drive a PWC directly behind another PWC in the water. Instead, stay at least 100 yards behind another vessel in front of you and at least 50 yards away from someone on each side. Since you can travel at high speeds on a PWC, staying a safe distance from others will help you avoid a collision.
§ Do not jump a wake created by a passing boat. In doing so, you could potentially misjudge the boat’s speed and cause a collision. The wake may also push you into the traffic path of other vehicles coming from the opposite direction.
§ Remain constantly alert of what is going on around you as you ride. Avoid other PWCs, swimmers, boats, divers and fishers. Sharing the open water with others responsibly will make for a more enjoyable experience for everyone.
Count on Us!
Thrill-seeking on the open water can be unpredictable, but your coverage shouldn’t be. Make sure your PWC is properly protected by calling Market Financial Group, LTD. today at 815-459-3300 to learn more about all of our insurance solutions for all of your recreational, home and auto needs.
Zywave Inc.
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Posted by Market Financial Group on Thu, 21 Mar 2013
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