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Illinois Insurance Blog

5 Common Reasons Why Insurers Deny Life Insurance Claims

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Life insurance is a  valuable thing to leave your beneficiaries. But no one wants there to be a problem after their departure. If you want to be sure your wishes are fulfilled and your life insurance beneficiaries get the benefits of the policy you purchased, avoid these five common reasons why insurers deny life insurance claims.

Why Insurers Deny Life Insurance Claims

1. Non-disclosure or Misrepresentation

Most life insurance policies ask about health conditions, smoking and drinking habits, risky lifestyle choices, and other things that can influence their decision. If an applicant misrepresents the facts or doesn’t truthfully disclose the information, this may lead to a denial of the claim.

2. Exclusions in the Policy

Life insurance policies almost always exclude certain events, including activities such as extreme sports or circumstances that are not covered. For help determining exactly what exclusions are in a life insurance policy, consult with a representative at STARS Insurance serving Deerfield, IL.

3. Restricted Location

Sometimes a life insurance claim may be denied of the policyholder was intentionally in a restricted location. This may include places where a travel advisory was in place or in a situation where the policyholder intentionally put themselves in harm’s way, such as in a tornado.

4. Inaccurate Beneficiary Information

Life insurance companies do their utmost to pay out legal claims. However, the policyholder must provide accurate beneficiary information in order to do so. Outdated information or inaccurate information can cause unnecessary delays in paying out a claim.

5. Illegal Activities

Some life insurance policies include clauses where illegal activities are not covered. So if a policyholder passed away while engaging in an illegal activity, the claim could possibly be denied.

Call Today To Discuss Your Options

For help with all of your life insurance needs, including how to ensure your claim is paid, contact your representative at STARS Insurance serving Deerfield, IL.

Cracked Windshields and Car Insurance: The Ins and Outs

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If you’re worried about your vehicle’s windshield getting cracked, it’s important to know whether your insurance policy will protect you. Our team at STARS Insurance can help you understand whether your Deerfield, IL coverage will effectively pay for any damage caused to your windshield.

A General Policy May Not Help 

A basic collision or liability vehicle insurance policy won’t help you if your windshield gets cracked, even when it’s not your fault. There’s a reason for that: it simply doesn’t cover it. Collision and liability protection cover damages caused by accidents or any damages you cause in an accident. 

So, unless your windshield is cracked in a collision accident, your policy isn’t going to pay out. So what do you do if issues like weather damage your windshield? The only thing you can do is pay for repairs and upgrade your policy to comprehensive to avoid this problem in the future.

Comprehensive Coverage Does 

While your general policy may not protect you if your windshield gets cracked, comprehensive coverage is designed for this kind of extra help. Comprehensive policies typically have a myriad of different damage issues that you can add to your protection to ensure it’s safe, like:

  • Falling tree branches either in a storm or due to damage to the tree through aging 
  • Flying baseballs, softballs, or other types of sports balls hitting the windshield
  • Vandalism or animal attacks causing serious damage to your windshield
  • Snow, rain, or hail damaging your windshield unexpectedly
  • Debris from a heavy windstorm impacting your windshield

Schedule A Consultation Today

Our skilled team at STARS Insurance can provide you with the help that your Deerfield, IL vehicle needs to stay strong and avoid serious damage. By upgrading your policy to comprehensive, you provide yourself with the security that you need to keep your windshield strong and secure.

Four misconceptions about commercial insurance

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At STARS Insurance, we’re here to meet the insurance needs of business owners in Deerfield, IL. If you own a business, you need to be aware of common misconceptions that might cause you to make insurance mistakes. 

Here are four common misconceptions about commercial insurance: 

Smaller or new businesses don’t need commercial insurance coverage

You need to insure your business even if it hasn’t been around that long. You also need to insure your business even if it hasn’t grown to a very large size. All companies need insurance coverage because all companies face liability risks. 

Every company has the same commercial insurance needs.

The commercial insurance needs that your company faces depend on a variety of factors such as your industry and business practices.

Don’t think that your company’s insurance needs are the same as any other company’s insurance needs. It’s very important for commercial insurance policies to be customized to the needs of the insured company. 

Commercial liability coverage always covers employee injuries. 

If you want to be sure that employee injuries are covered, you need to invest in workers compensation coverage. This type of coverage might not be included in a standard commercial insurance policy unless the policyholder requests to have it included. 

Most companies don’t need cyber insurance.

Cyber insurance might be more important than you think. Cyber insurance protects sensitive customer data while also securing your company’s own information. That’s why you shouldn’t neglect this type of coverage without looking into its many benefits.

We Are Here To Help

If you’re interested in commercial insurance for your business in Deerfield, IL, we’re here to come to your assistance at STARS Insurance. Get in touch with us today for a policy quote. 

Three Ways Home Insurance Can Protect You

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Home insurance is a critical form of protection that allows you to transfer your risk. It can provide various types of coverage that protect you from many types of perils that can damage your home and personal belongings. Also, the insurance coverage you can obtain through STARS Insurance can help you protect your assets. As a homeowner in Deerfield, IL, it’s important to learn more about the benefits of home insurance, so you realize the importance of retaining coverage and not letting it lapse, which could lead to costly losses.

You Can Protect Your Home

The main objective of home insurance is to protect the home itself. When you maintain coverage in Deerfield, IL, your home will be protected against a wide range of risks that could cause extensive damage. Your home insurance policy can be tailored to fit your specific needs. You’ll be able to protect the dwelling and other structures on the property. 

You Can Protect Yourself From Legal Liable 

As a homeowner, you can find yourself liable for the damages, injuries, or losses of others. For example, if someone were to get hurt on your property, you may be held liable since you own the property. When you get coverage from STARS Insurance, you’ll know that you’re covered for situations like this.

You Can Protect Your Personal Belongings

When you obtain home insurance, you can also protect your contents. These include the types of things that would fall out of your home if it were tipped upside down. Knowing your personal property is covered in the case of a major loss can really offer you peace of mind as a homeowner. You can contact STARS Insurance to learn more and get started.

Tips for Storing a Boat

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If you want to maximize a boat’s lifespan, it is essential to know how to properly store and winterize the watercraft. Proper storage will help proactively prevent potential damage to the boat when not in use during the off-season. If you are a boater or boat owner in the greater Deerfield, IL, area, the insurance specialists at STARS Insurance offer these essential tips for storing your boat as the summer boating season begins to draw near.

Tips for Storing a Boat

Remember to keep all boat-related paperwork (insurance, registration, and maintenance records) in a safe, conveniently accessible location and –

Clean the Inside/Outside of the Boat

Before storing, remove all debris and dirt on the inside and the hull and deck. Clean compartments to prevent mold/mildew growth.

Change the Oil & Flush the Engine

Consider changing the watercraft’s oil and oil filter before storing the boat. If the boat has an inboard or stern-drive engine, flush it with fresh water to remove any salt/contaminants. Add antifreeze to the cooling system and a fuel stabilizer to the boat’s fuel tank to prevent the gas from breaking down.

Drain Water Systems

Drain all water from the boat’s systems to prevent the freezing of pipes, pumps, etc.

Disconnect Batteries

Disconnect the boat’s batteries and store them in a dry, cool location.

Elevate the Boat & Cover Properly

Use a cover that fits properly/snugly, as this offers the best protection from harsh elements. Elevate on blocks, as this keeps moisture away from the hull. Be sure if the boat is stored indoors that, there is proper ventilation to avoid mold/mildew.

We Are Here To Help!

For more information on the many ways to protect your boat, contact the Deerfield, IL-based STARS Insurance. We can assist you with all your boat insurance needs. 

How Flood Insurance Works and Why You Need It Now

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If you live in a flood plain, your mortgage broker may require you to get flood insurance as a condition of giving you the loan. Your home insurance company may also require flood insurance. However, it’s not as easy as adding this to your policy. The stellar agents at STARS Insurance can help you understand how flood coverage works and what policies are available in your area of Deerfield, IL.

How Flood Insurance Works

Flood insurance protects your building and its contents up to certain limits. You can buy flood insurance through the National Flood Insurance Program (NFIP). However, not everyone is eligible for coverage under this federal program. You can also buy flood insurance from private insurers, which may offer more options. Our team is here to guide you through the process so that you understand all the related factors.

Floods rip through communities with terrifying speed. Protect your home and belongings with the right policy for you. It’s also important to understand why you need flood insurance as soon as possible.

Why You Should Get Flood Insurance 

You can protect your property and belongings in the event of a flood, one of the most frequent natural disasters throughout the US. Talk to your agent to ensure you comply with the federal requirements for flood insurance. That’s crucial if you live in a high-risk flood area. 

If you want to eliminate dependence on federal disaster assistance, consider a private insurer. At STARS Insurance, knowledgeable insurance professionals will guide you through different flood insurance options. That makes it easier to narrow down your choices.

We Can Help!

With global warming causing more and more unpredictable weather, you need flood coverage you can count on. Contact us today to make an appointment to get a flood insurance quote in Deerfield, IL.

Here’s Why Young Folks Need Life Insurance Too

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Financial preparedness can make or break many families, including younger families. Unfortunately, some younger families fail to take out life insurance policies, which could leave loved ones exposed to considerable risks. If tragedy should strike, financial constraints can make challenges more difficult to manage. As such, it’s crucial for families at any age to look into life insurance programs. Contact STARS Insurance in Deerfield, IL to learn more about the benefits of life insurance.

The Benefits of Life Insurance Policies for Younger Families Explained

Life insurance may provide payouts should a tragedy occur. Which events are covered can vary from plan to plan. However, if you or your spouse should pass away, life insurance may provide payments. The funds provided could help with burial costs and could also provide financial stability in the event of lost income.

Such payments could prove especially crucial for a spouse left behind who is caring for a dependent, such as a child. Raising kids and keeping a roof overhead can be quite expensive. With life insurance, loved ones may have an easier time making mortgage payments or paying for daycare and other services.

Life insurance premiums can vary based on what is covered and the overall health of the person(s) being insured. It’s important to consider individual circumstances and specific policies. That said, young, healthy individuals often enjoy more affordable premiums than older individuals or people who are in bad health.

Reach Out To Us

Selecting the right life insurance plan can be daunting. The decisions made now could have a big impact on people in the future. It’s wise to work with an insurance agent to understand the terms and details of individual life insurance plans. Get in touch with STARS Insurance to learn more about specific life insurance plans in Deerfield, IL.

Is auto liability insurance enough coverage for the new car that I’m leasing?

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If you have a car loan or are currently leasing your car, your insurance requirements may differ from other drivers. All drivers are required to carry auto liability insurance. However, there may be situations that require a driver to carry more than just the state minimum required auto insurance. Our STARS Insurance team is committed to helping Deerfield, IL drivers get the coverage they need.

What does Liability Insurance Cover?

Liability insurance covers any medical, legal, or property damage fees you may incur as a result of injuring someone, damaging someone else’s property, or being found at fault for some other driving-related incident. Every state requires drivers to carry auto liability coverage in order to legally drive. However, this form of coverage doesn’t cover anything else beyond other persons’ injuries, property damage, or liability claims. It will not provide any coverage for your damaged property or injuries.

Is auto liability insurance enough coverage for the new car that I’m leasing?

Typically, no. Most lenders and lease holders require drivers to carry full coverage auto insurance. Liability coverage will only cover damage or injuries that the other driver/person experiences. As a loan holder or someone that’s leasing a car, you’re not the owner.

This means that the bank or the hearse holder owns the car until you’ve either paid the car off or completed your lease term. As a result, the lender and the leaseholder require the driver to carry full coverage auto insurance in the event that something happens to damage or total the car. This ensures that the lender or leaseholder will be fully compensated for the vehicle.

Looking for Insurance in the Deerfield, IL area?

If you have questions regarding different forms of auto insurance coverage, call us at STARS Insurance. We’d be happy to help you explore your options. 

Types of Commercial Insurance

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As a business owner in Deerfield, IL, or the surrounding areas, you understand the importance of insurance coverage to protect your company’s assets. However, with so many different types of commercial insurance available, it can take a lot of valuable time to determine which policies suit your specific needs.

Our experts at STARS Insurance have put together this guide to give you an overview of the different types of commercial insurance. This way, you can make an informed decision about what type of policies you need.

Types of Commercial Insurance

Property Insurance

The purpose of property insurance is to guard your business against physical property damage, loss, or theft. This coverage typically includes your building, inventory, equipment, and other assets. If your business is damaged by a natural disaster like a fire or severe weather, property insurance can help you pay for repairs and replacement costs. Additionally, property insurance can cover losses due to theft or vandalism.

Liability Insurance

Liability insurance protects your business from legal claims filed against you by any third party. There are different kinds of liability policies out there designed to suit a variety of business types. For instance, general liability insurance covers claims related to bodily injury or property damage on your business’s premises. Professional liability insurance, on the other hand, covers claims made against you for professional mistakes or negligence. 

Worker’s Compensation Coverage

Finally, worker’s comp is designed to benefit employees who are injured on the job or become ill due to their work environment. In Illinois, worker’s compensation insurance is mandatory for most employers, regardless of the business size. This coverage can help pay for medical expenses, lost wages, as well as rehabilitation costs. 

Reach Out To Us

At STARS Insurance, we offer comprehensive coverage options to business owners in the Deerfield, IL area to help you protect your business and your employees. Contact us today to learn more about how we can help you protect your business.

The Importance of Homeowners Insurance for Older Homes

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Founded in 1903, the Chicago suburb of Deerfield, IL has many desirable Victorian and mid-century modern-style homes. The same intricate facades and decorative architecture that makes these homes attractive to buyers can also give pause to insurance companies looking to offer coverage for homeowners. At STARS Insurance, we can help you better understand your homeowner’s insurance policy or find one right for you. Having this type of coverage in place can save extraneous out-of-pocket costs in the case of an incident.

Why Home Insurance?

Homeowners insurance aims to protect you, your home, and your belongings. It’s an essential purchase for two reasons: fortifying your property in the event of a loss and satisfying a mortgage lender. It’s a combination of coverage addressing the perils—events such as a fire, tornado, or theft that causes damage to your property—of owning a home. Some insurance companies are hesitant to provide coverage for older homes, but these often need proper coverage the most.

Typically, these older homes can be cheaper to buy but more expensive to insure. Higher replacement cost, which refers to rebuilding the house in the event of damage, often determines the insurance cost rather than the home’s market value. An older home would be more expensive to repair due to using costly or rare construction materials, labor costs, electrical wiring, plumbing systems, and the roof’s age.

Purchasing insurance from a reputable team is essential to keep you and your home safe. We will be able to guide you through finding a homeowner’s insurance plan to meet your home’s unique needs, regardless of age. Contact the homeowner’s insurance experts at STARS Insurance in Deerfield, IL.