• Rental reimbursement and towing coverage are not automatically included on your auto policy with full coverage. These are separate coverages that must be specifically listed on your policy.
  
  
• If you have a full-time employee that works in your home you should have specific liability coverages to ensure that if that employee is hurt on your premises or while performing their duties, their medical expenses will be covered.
  
  
• If you hire a contractor to do work in your home, you should request a certificate of insurance. In the event that the work or materials are faulty, you have recourse to file a claim under his contractor policy.
  
  
• If you own a home and are in the process of building a new home, you can add that property to your homeowner policy with "Builders Risk" coverage. This ensures that if the building under construction collapses, is vandalized or a theft occurs, you will be covered. In most instances, your builder does not cover this.
  
  
• If you file a claim, your insurance carrier is required under Illinois Law to respond within 30 days of the date of file.
  
  
• If you have a claim and do not file within 30 days, you may be subject to denial. In addition, if you file a claim and find additional damage later, you have up to 180 days to re-submit for review.
  
  
• Most policies have specific exclusions such as pollution, flood, communicable disease, in home daycare, corporal punishment and war. These perils are not covered.
  
  
• You should read your policy terms and conditions and always call your agent with questions.

Ryan-Reum Insurance
Serving the Community since 1977
244 Main NW
Bourbonnais, IL 60914
(815) 939-4100
(800) 939-4221
Fax: (815) 939-3605
info@ryanreuminsurance.com

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