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Illinois Home Insurance Coverages

From the Basic Coverages to Custom Packages

 

Illinois Home Insurance Coverages | MJM Insurance of Swansea | (618) 277-2000

MJM Insurance of Swansea understands the various needs of Illinois homeowners, and can help homeowners understand the available Illinois Home Insurance Coverages.  Our agents will conduct a free review of the homeowner’s current situation and create a custom homeowner insurance package that specifically protects the individual and/or family with dwelling, personal property, other structures, liability, medical, and specialized insurance coverages. Read more

Illinois Auto Insurance Roadside Assistance on YouTube!

Insurance carriers offer different benefits, and restrictions, for Illinois Auto Insurance Roadside Assistance. Contact our licensed agents for a free review of your auto insurance policy and we’ll help you determine if you have the best roadside assistance package.  (618) 277-2000

 

 

 

 

Illinois Auto Insurance Roadside Assistance

So Many Options…. What Roadside Package To Choose?

Illinois Auto Insurance Roadside Assistance | MJM Insurance of Swansea | (618) 277-2000At some point, we all need roadside assistance. Whether we run out of gas, get a flat tire, or slide into a ditch in a snowstorm.  But, not all insurance companies provide the same Illinois Auto Insurance Roadside Assistance services. That is why you will get different prices from different carriers.  Each carrier has their own package; this article will explain the various types of benefits that we found from different carriers.

This article is not all-inclusive, but will give you a pretty good idea of the options available and what to ask your agent. These are general policy descriptions to help you understand the different types of coverages. They are not intended to modify any provisions in any contract of insurance.  Example of Roadside Assistance options include, but are not limited to the following:

  • Towing – not all Roadside Assistance plans are open 24/7.
  • Tire Changes – may require that you have the spare tire.
  • Lockouts – open car door or replace the lock for a nominal fee that is not included.
  • Lost-key Replacement – only if the key can be made at the time of service.
  • Fuel Delivery – up to a set number of gallons. A lot of times we see up to 1 gallon of gas.
  • Jump Start Battery Service – free battery test and jump start to get you to the closest garage or your destination.
  • Minor Roadside Repairs – at the site of disablement; e.g.,  loose hose connection, reattach loose parts.
  • Trip Interruption – pays for overnight stay and food if you are stranded while your vehicle is being repaired.

Illinois Auto Insurance Roadside Assistance | MJM Insurance of Swansea | (618) 277-2000Some plans offer extras:

  • Roadside assistance when you’re on your bicycle.
  • Discounts for drivers who own hybrid cars.
  • Coverage for re­doing any repair that fails within six months or 6,000 miles.
  • Reimbursement for services you arrange on your own.
  • Coverage for rental car breakdowns.
  • Coverage for you, your spouse, and children under 21 living at home.

Additionally, different carriers offer different pricing structures.  Some providers offer a yearly membership plan and some carriers have a pay-per-use roadside service option.  Pay-per use roadside assistance is typically billed at a higher rate than an annual plan or option in your auto insurance policy.  Average price for pay-per-use ranges between $59 for non-tow services and $129 for towing service.  In fact, some roadside assistance packages restrict the number of tows per year.
When you are researching Illinois Auto Insurance Roadside Assistance packages, or talking with your agent, be sure to inquire on the number of miles included in the towing service. Some carriers offer up to 200 miles of towing, while some carriers charge $75 for 50 miles, and only if you are within 100 miles of your home. Furthermore, some towing companies may tow you to a location of your choosing, while others take you to the closest repair shop.  If your Illinois Auto Insurance Roadside Assistance coverage lets you choose your towing destination, find out if you will be charged if you exceed mileage limits.

Illinois Auto Insurance Roadside Assistance | MJM Insurance of Swansea | (618) 277-2000Generally, tow truck drivers are contracted by the insurance company.  The insurance provider may exclude liability for any damage, injury or loss resulting from the negligence of the independent service facility.  Independent contractors are solely responsible for their actions. Any arrangements made between the towing company and the insured is considered outside of the covered services and are not covered by the insurance company.

There are many restrictions to Illinois Auto Insurance Roadside Assistance services. Some of them are noted below; however, each carrier is different. Just be sure to ask your agent what services are restricted in your auto insurance policy.

  • Service on taxis, buses, moving trucks, limousines or step.
  • Service to unregistered, untagged or uninsured vehicles or vehicles that are otherwise not legally drivable.
  • Services to vehicles which the service provider has determined to be unsafe or which require heavy duty equipment to safely provide service.
  • Service to a vehicle which is snowbound, including unplowed street or driveways.
  • Service on a vehicle to which a plow is attached.
  • Service to an unattended vehicle.
  • Service for a vehicle located at a repair facility where repairs can be performed.
  • Removal of a vehicle from a closed repair facility.
  • Limited number of tows per disablement.
  • Requests to tow a vehicle from the street to the driveway.
  • Tire service for dual-rear wheel trucks or vans.
  • Towing of utility trailers attached to a covered vehicle.
  • Towing not related to an accident.
  • Delivery of diesel fuel.
  • No coverage for towing as a result of flood or fire.

An example of a specific restriction we found with an insurance carrier is given below:

Trip Interruption expense reimbursement qualifications:  Your vehicle must be involved in an accident in the United States or Canada, 100 miles or more from home, while on a leisure trip planned to include at least 1 overnight stay and, due to the accident (but excluding mechanical failure), your vehicle must be inoperable for a minimum of eight hours.

When we breakdown or need roadside assistance, we don’t have time to think about the restrictions… Am I far enough away from home? … Will my vehicle be repaired in less than 8 hours? … How far will the tow truck driver take me?

Before you buy, think about who or what the various plans cover. This can be more confusing than you think. Some auto insurers consider calls for roadside assistance to be negatives, just like accident claims.  Choose a plan with the most generous towing allowance and trip-interruption benefits, especially if you frequently travel far from home.  We recommend consulting with a professional insurance agent to help you select the best coverage to meet your needs.

Give us a call today and we will review your Illinois Auto Insurance policy at no charge. Click here to contact us or call our office at (618) 277-2000.

 

Why Choose MJM Insurance of Swansea?

MJM Insurance® of Swansea is a full service Independent Insurance Agency representing many of Illinois’s premier personal and commercial insurance carriers. We assess risks and shop for companies to find the best coverage for the lowest price. With a combined experience of over 60 years in the Swansea Illinois insurance industry, our agents are knowledgeable and competent specializing in auto, home, renters, boat, motorcycle, business automobile, workers compensation, and general liability.

We serve all of Saint Louis and Jefferson counties including Swansea, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills and St. Clair. Our professional insurance agents at MJM Insurance® of Swansea can help you get the best value for your fundamental insurance needs.
MJM Insurance of Swansea is a proud member of the Trusted Choice Network
We proudly represent many of the industry’s leading national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, Columbia Mutual, Kemper Preferred, Madison Mutual, Progressive, The Hartford, West Bend, Chubb and dozens more.

For our clients’ convenience, our agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9am to 6pm. We are dedicated to providing the most exceptional and timely customer service in the industry.

Contact us for your free, no obligation risk evaluation.

Illinois Auto Insurance Coverages on YouTube!

MJM Insurance has the experience you can trust – our agents will take the time to help you understand coverage options and limits of liability.

Illinois auto insurance coverages include liability, property damage, bodily injury – including uninsured motorists, comprehensive, collision, roadside assistance and more.

We insure single operators and tailor insurance coverages for large fleets.

Call us today to schedule a free assessment with a licensed agent.  We will work for you!

(636) 343-5000

 

Earthquake Coverage | Illinois Department of Insurance

NEWS RELEASE: Illinois Department of Insurance encourages homeowners to consider earthquake coverage

09/24/2015
As Published on Dept. Of Insurance Blog

Contact:  public.govdelivery.com

 

Department of Insurance

Jefferson City, Mo. – The Illinois Department of Insurance is encouraging homeowners to check their insurance policies for earthquake coverage. Only three out of every 10 homes are covered in Illinois. That number drops to two out of every 10 homes in the New Madrid Seismic Zone.

The New Madrid area is the most active earthquake zone in the U.S. east of the Rocky Mountains. Most homeowners insurance policies do not cover earthquake damage. Separate earthquake coverage, called an “endorsement,” must be purchased.

“Having earthquake coverage is the best way to ensure you and your family, as well as our state, can recover from an earthquake,” said Insurance Director John M. Huff. However, the department’s 2015 Earthquake Report shows that Illinois is experiencing a coverage crisis.

“We have reached a critical juncture where the amount of uninsured property in Illinois will soon eclipse the amount of insured residential property, estimated at $101 billion. This could jeopardize our ability to fully recover from a major earthquake.”

Some homeowners may not buy coverage, expecting the federal government to help rebuild their homes should a major earthquake hit, Huff said. Under FEMA’s Individual Assistance program, the maximum grant award is $32,900, far less than what most homes are worth.

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MJM Insurance of Swansea is part of the Trusted Choice Network (618) 277-2000

MJM Insurance of Swansea to find out if your property qualifies for Earthquake Coverage. Give us a call! (618) 277-2000 Our agents will conduct a free assessment of your current policy and we will shop your insurance for you!  That’s right, simply provide your declarations page to an agent and we can process the assessment.  Our goal is to ensure you are properly protected.