http://www.heilandheil.com/blog/ View the Heil & Heil Insurance Agency website blog. en-us Tue, 07 Sep 2010 02:59:20 -0500 http://www.heilandheil.com/blog/College_Bound.aspx Now that school is back in session and some young men and women are making their way on their own to colleges everywhere, it is advisable to review your insurance needs. Homeowner's policy will cover items away at school however, if you carry a high deductible it may not pay if there's a claim. A Renter's policy will protect not only your child's possessions such as a computer, bike, or other electronics he or she might take with them; but it can carry a much lower deductible. It... Tue, 31 Aug 2010 15:53:36 -0500 http://www.heilandheil.com/blog.aspx?entry=2ef49d2a-fe1d-4f92-9d5d-5106c8a1fc47 http://www.heilandheil.com/blog/Heil_Heil_Insurance_LLC_is_on_Facebook.aspx Become a fan of Heil & Heil Insurance on Facebook! Get up to the minute insurance news and information from the trusted agents at Heil and Heil posted directly to your Facebook Page. Tell your friends so they can become fans too! For the most comrehensive view into insurance and news you can use, follow us!!!! www.heilandheil.com Tue, 24 Aug 2010 12:03:29 -0500 http://www.heilandheil.com/blog.aspx?entry=989d2559-6179-44d8-a7e7-95b17dcf8ca6 http://www.heilandheil.com/blog/Dog_Bite_Claims_Top_400M_in_2009_Rise_30_in_last_6_years.aspx Dog bite claims cost the insurance industry $412 million in 2009, an increase of 6.4 percent from 2008. Dog bites account for more than one-third of all homeowners insurance liability claims paid out in 2009, says the Insurance Information Institute (I.I.I.). An analysis of homeowners insurance data by the I.I.I. found that the average cost of dog bite claims was $24,840 in 2009, up slightly from $24,461 in 2008. Over the six-year period since 2003, the cost of these claims has risen nearly 30 p... Wed, 18 Aug 2010 12:45:04 -0500 http://www.heilandheil.com/blog.aspx?entry=1988fa6e-94f8-4423-9f27-6ee46862af32 http://www.heilandheil.com/blog/The_Value_in_Scheduling_Your_Valuables.aspx How do you view your valuables? Are they just accessories or is there a true value to them? If the answer is the latter, then you should protect your investment by itemizing them on your homeowner's insurance. Whether it's jewelry, furs, art, silver or some form of collectibles, itemizing them and giving them each a value helps you get the amount they are worth in the event of a claim. And scheduling them means that there is no deductible applied to them. This is of significant importance if yo... Mon, 09 Aug 2010 15:22:36 -0500 http://www.heilandheil.com/blog.aspx?entry=89f610ad-27cc-4442-8775-c0bd4a558157 http://www.heilandheil.com/blog/Is_Your_Water_Back_Up_Coverage_Enough.aspx It is important to clarify that every homeowner's policy needs to have coverage for "Back-up of sewers and drains". Even if you don't have a basement! If your policy does not have that coverage, GET IT! Most policies do not automatically come with it and unless you ask for it or have a great agent to suggest it, you may fall short in the event of a loss. That being said, ask yourself the question of "how much coverage is enough coverage?"  The answer is determined by how much da... Thu, 29 Jul 2010 14:50:16 -0500 http://www.heilandheil.com/blog.aspx?entry=c8e6b680-03ac-43a8-b62c-dd811140fb65 http://www.heilandheil.com/blog/Introducing_our_newest_employee.aspx Robert Landers, President and Chief Financial Officer, is pleased to announce that his Evanston based firm, Heil, Heil, Smart & Golee has hired JEFF SEMLER as Business Development Manager. Heil, Heil, Smart & Golee is a leader in residential property management, commercial real estate services and receivership services providing management as well as development and leasing. For more than 100 years the company has been serving Chicago and its suburbs with professional property managemen... Wed, 28 Jul 2010 15:53:06 -0500 http://www.heilandheil.com/blog.aspx?entry=46d6a975-9708-43a9-a881-1d7c752b6ca2 http://www.heilandheil.com/blog/Become_a_fan_of_Heil_Heil.aspx Become a fan of Heil & Heil Insurance on Facebook and get all the news and insurance related information to your homepage. From helpful tips you can use to prevent a claim to insurance industry news you can trust. Just another way Heil & Heil Insurance LLC is connected to you! Mon, 12 Jul 2010 15:36:29 -0500 http://www.heilandheil.com/blog.aspx?entry=52e9fefa-5095-4f72-b96a-55e61756ef95 http://www.heilandheil.com/blog/Holiday_Weekends.aspx Being aware of more cars on the road this 4th of July weekend can help you  enjoy your time without incident! Drive with caution.  Remember, Seat Belts are the law! Should something unfortunate occur, don't hesitate to call your insurance company immediately! Holidays don't stop insurance companies from taking care of their customers! Heil & Heil Insurance wishes everyone a SAFE 4th of July weekend! Fri, 02 Jul 2010 11:35:24 -0500 http://www.heilandheil.com/blog.aspx?entry=cd6578a4-c1e9-432e-9e1c-405fe738a5af http://www.heilandheil.com/blog/Flood_Insurance_and_Gulf_Spill.aspx National News FEMA: Insurance Applies if Oil from Spill Mixes with Flood Waters June 9, 2010 Management Agency has clarified that in the event of a declared flooding disaster, National Flood Insurance Program coverage will apply even if oil from the British Petroleum deep well blowout in the Gulf of Mexico is mixed with flood waters. The NFIP will bill BP for reimbursement for any claims it pays for covered properties affected by flood waters mixed with oil from the BP spill. In a memo... Mon, 14 Jun 2010 09:54:10 -0500 http://www.heilandheil.com/blog.aspx?entry=30d36935-9b62-4fe9-85d9-de9c6f1f14eb http://www.heilandheil.com/blog/Did_You_Know.aspx Most people are not aware of the fact that if they let their auto policy lapse for more than 30 days their next premium will be significantly higher. That's because companies look for proof of prior insurance. And that proof needs to be within 30 days. Did you also know that a new car purchase is only automatically covered on your policy for a maximum of 10 days of the purchase. Additionally, If the current car on the policy only has Liability on it, the new car will only be covered for that too... Wed, 21 Apr 2010 16:18:53 -0500 http://www.heilandheil.com/blog.aspx?entry=a2ba29b1-991b-4ff9-b32c-c04e5dc6d178 http://www.heilandheil.com/blog/Can_I_cancel_my_policy_in_Mid_Term.aspx An annual insurance policy can be canceled at any time. But just make sure that your replacement policy is active prior to canceling and existing policy. You don't want to be left with a gap in coverage. Insurance premiums that have been paid past the point of cancelation will be refunded to you. You will need to sign a cancelation form that will specify the date that you want the policy to be canceled. However, it is never recommended to just let a policy lapse in order to start a new policy, e... Tue, 06 Apr 2010 11:58:22 -0500 http://www.heilandheil.com/blog.aspx?entry=1707ce8d-a353-4c61-a190-85b5d7a593c0 http://www.heilandheil.com/blog/Rates_above_the_rest.aspx Insurance prices fluctuate! Rates change all the time. If your rates are going up, it might be a good time to check out the competition. Heil & Heil has great companies with great prices. We can check out the rates for you and find you the best coverage for your dollar. In this economy, savings are important without sacrificing coverage. Wed, 17 Mar 2010 15:37:30 -0500 http://www.heilandheil.com/blog.aspx?entry=89b750e5-9348-4bf0-a157-a8651a0197dd http://www.heilandheil.com/blog/Facebook_Fan_Page.aspx Become a fan of Heil & Heil on Facebook. .... Heil and Heil Insurance LLC Fan Page has news and information for you every month. We keep you up to date on current safety tips for your home and auto, as well as informing you on prices and company updates. Wed, 17 Mar 2010 15:34:14 -0500 http://www.heilandheil.com/blog.aspx?entry=1ba0838a-5650-4d44-9b2a-54db9f6f8c5a