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RetireMax Insurance

9651 W 153rd St. Suite 51
Orland Park, IL 60462

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Featured Insurance Blog

Protect Your Investment: Why Condo Insurance is a Must-Have for Illinois Homeowners

Did you know condo and homeowners insurance aren’t exactly the same? If not, you’re not the only one! Many Illinois condo owners assume that their homeowner’s policies will cover them in the event of damage or loss when this isn’t always the case. 

While some homeowners insurance policies may cover loss or theft up to the stated coverage limit, not all policies will include this provision. Investing in Illinois condo insurance is the best way to ensure your condo is always protected. 

Talk to one of the insurance experts at RetireMax Insurance in Orland Park, IL to get a free quote!

Benefits of an Illinois Condo Insurance Policy

Following are a few of the benefits available to Illinois condo insurance policyholders:

Get Protection for Your Personal Property 

A condo insurance policy can provide coverage for the contents of your condo. Residents can rest easier at night when they know their valuables, jewelry, electronics, and cash are safe and protected.

Your Homeowners Policy May Not Cover It

Some IL homeowners’ insurance policies won’t cover damage or theft of personal property. (Get condo insurance as a backup!)

Protect You and Your Property from Liability

If one of your guests is injured on your property, you could wind up being sued for thousands (or even millions) of dollars in damages. 

Get Covered for Accidental Damage

Condo insurance covers policyholders who have accidents on their property. It can also work for condo owners who have a mishap and accidentally damage a neighbor’s property. 

Reach Out To Us!

Don’t get caught without condo insurance in Illinois. Contact the insurance experts at RetireMax Insurance and take advantage of a free Orland Park, IL condo insurance quote today! 

Tips to Help You Stay Safe When Driving in the Fog

You may notice fog rolling in if you are driving to work early in the morning or leaving work late in the evening. Most people aren’t used to driving in dense fog, and as a result, they may be unsure how to adjust safely to these new conditions. RetireMax Insurance, serving the greater Orland Park, IL area, is dedicated to doing everything possible to keep drivers safe.

Here are a few tips that can help you stay safe when you are driving in foggy conditions:

Use your headlights at all times, but avoid using your high beams

When driving in foggy conditions, you should use your headlights to let other drivers know where you are and to assist you in seeing. You should use your fog lights if you have them. When driving in the fog, however, you should always avoid using your high beams.

Reduce Your Speed

Another tip for staying safe while driving in the fog is to slow down. Because you can’t see as clearly in front of you, you should go slower. This allows you to hit the brakes at the last second if you see a hazard.

Increase Your Following Distance

Finally, when driving in fog, always increase your following distance. Other drivers may have to slam on their brakes, and following too closely can result in an accident. Allow yourself and them more space between your vehicles.

Get Insurance Coverage For Your Vehicle

Unfortunately, when there is heavy fog, the number of accidents on the road increases. This is where having the proper insurance policy can help. In the event of an accident, the proper insurance protects both you and your vehicle. RetireMax Insurance, serving the greater Orland Park, IL area, wants to assist you in obtaining the best insurance policy for your needs. Call us right away to get started.

Does Home Insurance Cover Vandalism?

Home insurance is an important asset for homeowners, protecting them from losses related to covered events. One particular instance will be if there’s vandalism to the home. Individuals looking for top-quality insurance coverage that protects them from risks such as vandalism can rely on the expert agents at RetireMax Insurance, serving the residents in and around Orland Park, IL.

Home Protection 

In the event a home is vandalized, home insurance covers damage and repairs. Any home is subject to unexpected events like vandalism, which is why it’s important to have adequate home insurance in place. Individuals looking for the right protection for their situation can count on our agents to guide them through the process of selecting the ideal insurance coverage.

Individuals wanting to learn more about the benefits of home insurance and specific coverage can consult with knowledgeable insurance agents who can carefully explain the terms and conditions. Additionally, they’re trying to assess each client’s individual needs regarding their situation, both currently and in the future.

Once the agent carefully assesses the situation to identify which policies meet their needs, they’ll assist the customer with the submission of information and documentation to secure that coverage. They can also assist with any changes during the lifetime of the policy and with submission claims. Our goal is to provide complete customer service before, during, and after the policy purchase.

Find Out More 

Residents in the Orland Park, IL, area interested in finding out more about home insurance can contact our experts at RetireMax Insurance. Call or stop by our office today to schedule a consultation or to get answers to questions. Our team is ready to provide comprehensive service to ensure you get the coverage you need for peace of mind.

How much renters insurance do I need?

When it comes to protecting your possessions as a renter in the Orland Park, IL area, renters insurance is an important factor to consider. With renters insurance from RetireMax Insurance, you can be sure that if something happens to your apartment or home, such as a fire or flood, you can recoup some of the costs associated with replacing your belongings.

How much renters insurance do you actually need?

The answer to this question depends on several factors, including the value of your possessions and the type of coverage you want. If you have valuable items like jewelry or electronics in your home, it’s important to make sure that they are covered with enough liability coverage. Generally speaking, most people need at least $100,000 worth of liability coverage for their renters insurance.

In addition to liability coverage, you might also choose to add additional optional coverages such as personal property protection and loss-of-use coverage. Personal property protection typically covers damage caused by certain events such as theft or vandalism while loss-of-use pays for living expenses if your rental unit becomes temporarily unlivable due to a covered event.

The amount of additional coverage you need depends on what type of risks you are willing to assume and how much money you want to invest in protecting your finances should something happen.

Contact Us Today

Ultimately, when deciding on how much renters insurance is adequate for your situation, it’s important to do your research and compare plans so that you can find the one that best meets your needs and budget. For more information, call us at RetireMax Insurance today. We proudly serve the Orland Park, IL area and would be glad to help you find a policy that suits your needs.

Does RV Insurance Cover the Furniture and Belongings Stored in the RV?

If you own an RV, you need to purchase RV insurance. One of the questions that RetireMax Insurance, serving the Orland Park, IL area, is often asked about in regards to RV insurance is whether RV insurance only covers the RV itself, or if the insurance covers the furniture and household goods that may be stored in the RV as well. 

Does RV Insurance Cover the Furniture and Belongings Stored in the RV?

RV insurance may cover the furniture and belongings that are stored in your RV, depending on the type of insurance plan you select and the coverage you select. Comprehensive insurance helps to protect your RV, as well as the items stored inside of the RV, in case your RV is stolen, burglarized, damaged in a fire, or destroyed by a flood.

Collision RV insurance may help to cover the furniture and belongings stored in your RV if they are damaged by an accident while your RV is being transported. However, some RV insurance policies will exclude the furniture and belongings stored in your RV, so always be sure to read the specific wording in your RV to find out what is and is not covered by your policy. 

Contact Us Today

When it comes to RV insurance, having the right RV insurance policy is key to ensuring your RV is covered, regardless of what may happen. The insurance agents at RetireMax Insurance, serving residents in the greater Orland Park, IL area, can help you find and purchase the perfect RV insurance policy for your needs. Call us to schedule an appointment with one of our friendly and knowledgeable agents. 

Motorcycle safety tips

RetireMax Insurance in Orland Park, IL is happy to assist our clients who own a motorcycle with insurance coverage. We also are here to provide related guidance on motorcycle safety tips.

Riding a motorcycle can be a lot of fun, but it’s also important to remember that it’s a dangerous activity. There are a few basic safety tips that everyone should follow when riding a motorcycle, and if you’re not following these tips, you could be putting yourself at risk.

Here are some of the most important safety tips for motorcyclists:

The first tip is to always wear a helmet when riding. This is the single most important safety item that you can wear, as it will protect your head and reduce the risk of serious injury in the event of a crash.

Another important safety tip is to wear protective clothing while riding. This can include jeans, a leather jacket, and boots that offer additional protection in case you are involved in an accident.

In addition to wearing proper gear, it’s also important to use common sense and follow the rules of the road. This means avoiding drunk driving, never speeding, and always being aware of your surroundings while you’re riding.

If you’re new to motorcycling, it’s also a good idea to take a motorcycle safety course. These courses will teach you how to ride safely and help you feel more confident on your motorcycle.

By following these safety tips, you can help reduce your risk of injury while riding a motorcycle. So make sure that you practice safe riding habits and always keep safety in mind whenever you get on your bike.

Get Motorcycle Insurance Today

You want to be safe while riding a motorcycle and also have the right coverage for your vehicle. Give us at RetireMax Insurance Insurance a call today. We proudly serve Orland Park, IL and the surrounding areas. 

What happens if you are involved in an accident while transporting your boat?

If you are a boat owner in the Orland Park, IL area, you can rely on the team at RetireMax Insurance for all of your boat insurance needs. Contact our office today and find out more about how to protect your boat with a comprehensive insurance policy. 

What to do if you have an accident while transporting your boat

Many folks in our area transport their boats to and from the water using a trailer. This means that there are more chances for their boats to be involved in an accident when they’re on the road. 

If you are involved in an accident while towing your boat, the very first thing to do is to get to a safe location. Once you have reached safety, you’ll want to call the authorities to make a report of the incident. After everyone is safe and the police have been notified, you’ll want to call a towing service.

Make sure that the towing company that you use is approved by your insurance carrier. Be sure to take photos of the towing vehicle as well as the boat to document any damage that has occurred. You will want to have a thorough inspection completed on your boat to ensure that it is still seaworthy.

Don’t forget that when you are towing your boat, you will need to have adequate insurance to protect it from damage. Not all policies provide the same amount of coverage. 

Give us a call today!

RetireMax Insurance is proud to serve the insurance needs of our friends and neighbors in the greater Orland Park, IL area. Give us a call today and find out more about the boat insurance policy options that are available in our area. 

Umbrella Insurance: How It Works and What It Covers

What is umbrella insurance? Simply put, this is added liability coverage that kicks in when you have exceeded your underlying liability limits on your auto or homeowners insurance policy. RetireMax Insurance in Orlando, Park IL is here to provide the essential details on umbrella insurance to help you determine whether it’s right for you.

How Does Umbrella Insurance Policy Work?

Imagine a scenario in which you’re involved in an at-fault accident that leaves you liable for far more than your liability insurance covers. Let’s say you’re liable for a whopping $1 million in damages and medical bills, but your insurance stops at a maximum of $500,000. 

That’s where umbrella insurance comes in. It covers the other $500,000 so you don’t have to sell your assets or use your precious savings. Umbrella insurance also works for your home insurance, meaning you’re covered in case you’re liable for an amount that exceeds your home insurance liability limits.

What Is Covered By an Umbrella Policy?

Umbrella insurance typically covers:

  • Bodily injury
  • Property damage
  • Defamation claims
  • Other lawsuits, such as false arrest

What’s Not Covered By an Umbrella Policy?

Umbrella insurance doesn’t cover:

  • Your own injuries
  • Damage to your property
  • Liability assumed as a business, i.e., while under contract
  • Liability as a result of intentional harm

Do I Need Umbrella Insurance?

Umbrella insurance is generally ideal in situations where:

  • You own property
  • You’re a landlord
  • You own recreational vehicles, such as boats
  • There’s a high risk of being sued
  • You’re a high-net-worth individual

Contact Us Today

There’s more to understand about umbrella insurance, and RetireMax Insurance in Orland Park, IL is here to help. Get in touch with us to learn more about what your policy covers and how much coverage you may need.

How to Find the Right Commercial Insurance

Running a business or commercial enterprise carries some risk, regardless of the size of your operations and industry. Investing in commercial insurance helps with business risk management. The big question is how to find the right commercial insurance? RetireMax Insurance has some great tips to help you streamline your options.

How to Find the Right Commercial Insurance

Consider the Needs Of Your Business

Your business is unique, so it makes sense to find customized commercial insurance that meets the needs of your business. There are many factors to consider, such as the types of risks you face, the number of employees you have, and the amount of coverage you would be happy with.

Decide Which Deductible and Monthly Premium Is Right for You

Whether you’re looking for workers’ compensation (employers’ liability), public liability, product liability, or specialty insurance, you can always find a customized package that works for your budget. That said, it’s essential to assess your risk tolerance, the scope of coverage, and assets when choosing a deductible and monthly premium that’s right for you. Overall, there are many points to consider regarding insurance costs.

Get In Touch With RetireMax Insurance

Are you operating in Orland Park, IL and ready to explore your commercial insurance options? The best place is to rely on our expertise and experience to find the right commercial insurance for you. The truth is that commercial insurance involves many moving parts, such as policy coverage, terms, and rates. 

With an expert to guide you through the process and answer all your burning questions, you’ll be on your way to choosing the best commercial insurance for your business in no time!

Contact Us Today

If you’re in Orland Park, IL, you’re already in the right place. Don’t hesitate to call or contact RetireMax Insurance for more information on how we can help you protect your business assets and investments.

Health Insurance Vs. Life Insurance: What’s the Difference?

RetireMax Insurance services the city of Orland Park, IL and surrounding areas. Besides offering reputable insurance products, RetireMax Insurance also invests its resources in providing helpful answers to frequently asked questions. One common question that we often hear pertains to the difference between health insurance and life insurance.

Here’s what you need to know:

What You Need to Know About Life Insurance In Illinois

You may be wondering whether to invest in a health insurance plan. If you have life insurance, you may also wonder if it’s enough. Life insurance protects your family financially by providing your beneficiaries with a lump sum of cash when you pass. On the other hand, health insurance addresses a different but crucial need.

Why Health Insurance Also Matters

We all take good health for granted, but are you prepared for the unexpected should your health fail? This is where health insurance comes in. Health insurance can be the financial buffer when you fall ill and have to cover unexpected high medical costs. It typically covers hospitalization expenses, doctor visits, prescription drugs, and other associated costs.

All you have to do is pay your regular monthly premiums on time. If you choose a plan with a deductible, it means you also have to pay a specific amount to pay for covered health care services before your insurance plan takes over. You can choose your desired coverage, though comprehensive coverage comes highly recommended. The good news is that you can find customized health insurance options to suit your needs or pocket. For instance, your health insurance coverage may be short-term, or you can find policies that supplement your major medical plan. 

Give Us A Call

As you can see, health insurance serves a very different purpose from life insurance. Generally, experts recommend that you have both types of insurance for added peace of mind.

Are you interested in learning more about health insurance? The professionals at RetireMax Insurance can help. We serve the greater Orland Park, IL community, so don’t hesitate to contact us today.