Personal Insurance
Searching for the right insurance carrier can be an exhausting process, making sure you have the proper coverage takes time and patience.
Brazelton Insurance Group will take the time to understand your situation and customize an insurance policy to fit your specific needs and budget. Let us do the research for you—we have the carriers, the knowledge, the experience, and the professional skills to help guide you thru this process from start to finish.
We offer assistance on the following types of policies:
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Brazelton Insurance Group provides insurance solutions to individuals, families, and businesses in Algonquin, Lake in the Hills, Carpentersville, Huntley, Dundee, Crystal Lake, Gilberts, Barrington and throughout the Chicagoland area.
Usage-Based Insurance and How It Can Benefit You During Covid-19
If you have never heard of the term telematics or Usage-Based Insurance, then you have probably at least heard of GPS, which can be found in many cars these days. GPS, or global positioning system, is a way of using satellite technology to track and guide vehicles. Telematics is a way of using GPS and Internet technology to make companies more efficient and customers much happier.
The Most Common Homeowners Insurance Claims
Every homeowner has experienced some sort of problem that will end with an insurance claim. It’s important to know what sort of claims are common and what you need to do to protect yourself from it happening. Follow these next common homeowner’s insurance claims, and hopefully, they will help!
How the Umbrella Policy Can Help You
You may think that simply because you have a homeowner’s and auto insurance policies that you are covered. However, there may be situations that you may come across, making the above thought not necessarily true.
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Let the Brazelton Insurance Group show you what matters most! Contact us to get the coverage you need from a company you can trust.
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Frequently Asked Questions
I was hit by a car as a pedestrian, am I covered under my auto policy?
Yes, if you’re the named insured under an auto policy, chances are your injuries will be covered under Medical Payments found in your auto policy. Medical payments cover reasonable and necessary treatment as a result of injuries if you’re a pedestrian and/or hurt in an auto accident up to the limits selected.
There is water in my basement, am I covered?
You are covered only if your policy has a Water Backup Endorsement Form. Water backup is different from flood insurance and neither usually comes standard in your Homeowner’s policy.
My parked car was hit in the parking lot. Am I covered with Comprehensive?
No, the coverage for these types of damages would be covered under Collision, subject to your deductible. Regardless if you were involved in a hit/run or a shopping cart hit your vehicle while parked those are all covered under Collision.
I lost my wedding ring down the sink, am I covered?
Yes, you are covered as long as your ring is scheduled under an Inland Marine or Personal Articles endorsement. Individuals will typically schedule their personal property—jewelry, watches, etc when it’s value is at least $1500 to protect in case of lost, or mysterious disappearance situations.
What is the difference between Uninsured and Underinsured Bodily Injury?
Uninsured motorist coverage helps pay your medical, lost wages or car repair bills due to an accident caused by an uninsured driver. Underinsured motorist coverage helps cover the differences between what the at fault driver bodily injury limits are and your medical, lost wages, or car repair bills are due to an accident. Having bodily injury limits higher than the state minimum will protect you the most if involved in an accident with injuries.
What characteristics determine the replacement costs value of my home?
Things like the age of the home, type of exterior structure, number of bedrooms and bathrooms, what kind of garage you have, the total square footage of the home, and more all go into consideration for your replacement costs. The method that is used to determine your Replacement Costs Value is what your insurance carrier will pay you if your property is damaged.
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Let the Brazelton Insurance Group show you what matters most! Contact us to get the coverage you need from a company you can trust.