What are Some Differences Between Auto and RV Insurance?

RV insurance has some similarities with automobile insurance, but it is also very distinct as well. The very first way the two types of insurance differ is in determining if you even need RV insurance at all. Niles, IL residents and those who live in Arizona, and Wisconsin do not need to purchase insurance for pop-up trailers, fifth wheels, and travel trailers, as these can be towed and are not able to run on their own power. Even so, RV insurance is encouraged, because these items can still suffer loss as the result of a storm, burglary, or vandalism, and your lender will usually require it as well. 

RV Insurance Carries Different Specifications

Your RV is a vehicle, but it is basically also a home you can live out of for various periods of time. Unlike car insurance, your RV coverage will take into consideration the size of your RV, and this is categorized into classes. Class A can be as long as 75 feet, and these include luxury coaches, buses that have been converted, and motor coaches. Class B describes travel trailers and camper vans, and Class C is for smaller vehicles, including fifth wheels and those where the camper extends over the cab.

You can, like with automobile insurance, obtain liability, comprehensive, collision, underinsured and uninsured motorist protection, but unlike with car insurance, you can also purchase coverage to protect your RV at campsites and while on vacation. You can obtain full-timer coverage if you live in your RV permanently, and you can buy protection to provide towing and other emergency services. 

Bob Korvas Agency Inc. Provides Experienced and Knowledgeable Service

The Bob Korvas Agency has served the residents surrounding the area of Niles, IL and can also write policies for RV owners in Arizona and Wisconsin. Contact us today, and speak to one of our friendly agents about how we can meet all your RV insurance needs!

Stay in Business When Construction Shuts You Down with Commercial Insurance

It happens to every business that is centrally located on a busy street.  At some point, major construction is needed to restore and maintain the roads you use to get your deliveries out on time and to welcome in customers.  When the construction trucks start arriving and block access to your Niles, IL business, a commercial insurance policy from Bob Korvas Agency Inc. can help you survive unexpected shutdowns that are not of your making.

Pay Your Vendors on Time

With contingent business interruption coverage, when your suppliers can’t get to your door, or you can’t get to them due to loss of infrastructure, you can still make sure that your business relationships remain in good standing during construction. Your commercial insurance will work with you to ensure that operational expenses are covered, even when regular income has stopped coming in the door. 

Provide Alternate Routes to Ensure Access

You will need to place signage directing deliveries to use a different entrance or road.  All those extra costs associated with the interruption to your business should not sit on your shoulders. A good commercial policy will work with you to recoup losses by coordinating expenses with the company that is causing the problem.

Take Advantage of Downtime with Needed Upgrades or Maintenance

While the roads around Niles, IL are blocked off, preventing your company from operating normally, it can be a good time to complete needed upgrades to equipment, computer systems or even updating your reception area. Don’t forget to contact your agent at Bob Krovas Agency Inc. to ensure that your commercial insurance is upgraded at the same time to protect those latest capital investments. 

Should you have any questions about how you can better protect your business from loss of income during uncertain times, don’t hesitate to call your agent at Bob Krovas Agency Inc. today.

How Will A DUI Affect Your Motorcycle Insurance in Niles, IL?

The agents of Bob Korvas Agency Inc. serves residents who live in and around the Niles, IL area. Each agent is knowledgeable about all of the policies the company sells, especially motorcycle and auto insurance coverage. A DUI can have a dramatic effect on your premiums and may even prevent you from getting coverage in the future. You need to work with an insurance agent that can answer all of your questions and make sure you have the amount of coverage you need for both your car and your motorcycle. 

A DUI and Your Premium

When you receive a DUI, one of the first things that will happen is your motorcycle insurance premium will go up. Anytime you receive a ticket or citation, your policy will be adjusted. A DUI adds further consequence though. You may lose your license for a specific period of time depending on how many DUI’s you’ve had. Even though your license is suspended, you must still continue to pay for your policy to make sure there are no lapses.

How It Will Affect Your Policy

Because of the seriousness of a DUI charge, many insurance companies will consider you "high-risk". This normally means your insurance premiums will increase, but depending on the circumstances, it could also mean the cancellation of your policy altogether. 

Getting a DUI is a costly experience. Not only will you have to pay court costs and attorney fees, there are other expenses you will have to worry about. If you live in Niles, IL, call the agents of Bob Korvas Agency Inc. to find out how a DUI will affect your policy and the premiums you pay to secure your coverage. Don’t risk driving without insurance. Make sure you have a motorcycle policy in place that provides the coverage you need. 

Importance of insuring your business

When it comes to business insurances, most small and medium enterprises tend not to invest in this area mainly because they are cash strapped, but others simply because they do not want to. That poses a grave threat to the business, especially with unemployment and disability policies. If you run a manufacturing firm, you ought to think about securing a safety system as well. In the case of any serious ramifications, you can always count on the plan to help in securing your property. It is therefore advised to also seek out the best insurance company, with a proven track record that can assist you through the process.

When deciding to choose an insurance company to help you select a cover for your business in Niles, IL, you could always pop in at Bob Korvas Agency Inc. They have been around quite a while and have helped a lot of folks get the maximum value of their homes.

If you are servicing a loan pegged on your business, then you should consider getting it insured. There are a couple of things you should evaluate when selecting a coverage, and the most important one involves assessing the kind of risks your business is exposed to. They may range from theft, fires to weather conditions and accidents. Think about what might affect your business, and get an insurance cover against it.

Selecting the ideal coverage for your business has never been easy, that is why you should enroll the services of a reputable and licensed agent to help you choose the best cover and break down the claim process. If you want to take control of the future of your business, get a business cover today.  simply visit us at Bob Korvas Agency Inc. and let us boost your business performance and confidence. We are ready when you are!

What Does Jet Ski Insurance Typically Cover?

Jet skiing is one of the most thrilling water sports out there, and it’s a great pastime for friends and family. With that being said, the fun of jet skiing hinges on a certain level of responsibility. It is essential that you have the proper insurance for your jet ski.

What does jet ski insurance in Niles, IL typically cover? It all depends on your personal plan, and you’ll need to discuss your coverage options directly with a reputable insurance agent to get the specific details. But in general, these are the coverage options that you’ll want to consider if you own your own jet ski.

• All Risk Coverage

This type of coverage will protect your jet ski from physical damage. For the most part, this will include protection for collisions, theft, fire, storms, auto accidents, glass, and more.

• Roadside and Towing Assistance

Naturally, getting your jet ski from one place to another requires towing it with your car. And this means that you may want to consider roadside and towing assistance coverage while you’re on the road with your jet ski.

• Medical

Many jet ski owners opt for medical coverage for injuries up to a certain amount as well.

• Replacement

Finally, many of those who have jet skis get replacement cost coverage. This usually covers the cost of replacement if a serious total loss to occur in the first one to two years of owning the vehicle. Again, this depends on plan specifics.

Finding Jet Ski Insurance Coverage at Bob Korvas Agency Inc.

Niles, IL residents who own jet skis can discuss their coverage options and purchase a plan with an agent from Bob Korvas Agency Inc. We offer all types of coverage for jet skis and other personal watercrafts, and we’d be happy to talk with you about your insurance options. Give us a call or visit our nearest location to learn more. We look forward to hearing from you!

What Can Be Included in an Umbrella Policy In Niles, IL?

If you live in or near the Niles, IL area and have questions about insurance questions about umbrella policies, you can call the agents of Bob Korvas Agency Inc. They have several years of experience and will be able to explain what an umbrella policy covers, when it is used, and what the common payout amounts are.

Over and Above Normal Limits

Certain situations may require an increase in the amount of coverage you normally carry. The payout for an umbrella policy can be much higher than a normal policy and will cover many things that a regular policy won’t. It can cover damages that may be deemed "catastrophic" or it can be used to fill in the gaps of an existing policy.

Protection From Lawsuits

With today’s trend of filing a lawsuit for even a slight offense, you may be better off purchasing an umbrella policy, especially if you live an unconventional lifestyle, are very well known, or have a job that makes you extremely wealthy. An umbrella policy is designed to protect you from substantial financial loss if a lawsuit is filed against you for any reason.

Non-Physical Injury

An umbrella policy can also protect you from lawsuits involving non-physical injuries. Both libel and slander are types of "injuries" that don’t have anything to do with physical harm. Instead, if you have libeled or slandered someone, you have caused them irreparable damage by saying something about them that wasn’t true or that you have tried to damage their character. 

At Bob Korvas Agency Inc., the agents can help you identify when specific situations when having an umbrella policy may be in your best interest. An umbrella policy can provide you with the type of coverage you need if you believe you are exceeding your current policy’s limits.

Does Dental Insurance Cover Braces?

Braces can cost thousands of dollars. However, if you or your child has crooked or gapped teeth, you may feel it is a smart investment to make. No one should be self-conscious about their smile and the appearance of your teeth may affect the way some people, such as potential love interests and employers, view you. If money is tight, you may wonder if dental insurance covers braces or if you are on your own. Here is what you need to know about dental insurance and braces in the greater Niles, IL area.

Braces are typically considered to be a cosmetic item. As such, they are typically not covered under your dental insurance policy. However, in some cases, braces are a necessity, rather than a cosmetic item. If teeth are crossed, they may not be getting properly cleaned, which can put the teeth at risk for cavities. Straightening the teeth may be needed to prevent this. Likewise, overbites may prevent someone from properly chewing. Braces can solve this issue as well.

Bob Korvas Agency Inc. strongly recommends that you talk to your dentist about braces before obtaining an insurance policy in hopes they will be covered. A dentist can let you know if braces are a necessity or a cosmetic item for you or your child, and thus, whether they would be covered in full, partially or not at all by the insurance company.

Even if braces are not covered by the dental insurance company, many dental issues are covered by dental insurance, including teeth cleaning, x-rays and fillings. If you are looking to obtain a new dental insurance policy, let Bob Korvas Agency Inc. serving the greater Niles, IL area, assist you. Call us today and let us find you the right policy or give you an estimate for a new dental insurance policy.

Three Things To Know Before You Purchase Health Insurance

Selecting the perfect health insurance policy can be confusing. With constantly changing rules and industry jargon, it can be hard to navigate the various individual health care options. Coinsurance? COBRA? HSA? PPO? HMO? It sounds like alphabet soup. You can get a basic health insurance quote based on some simple factors, but before you purchase a policy, you should research and identify what type of health insurance plan is best for you. To help you out, Bob Korvas Agency Inc. has put together the following list of three things you should know before you pick the right health or dental insurance policy for you.

There are Hundreds of Health Plan Options

Depending on your specific situation and needs, there may be between three and 300 health insurance plan options to choose from. Just as you would compare all the options and features of a new vehicle before purchasing a car, you should also compare options when purchasing a health plan. It’s best to consult with an insurance agent who can search through all options to help you find the best policy for you.     

Consider All Health Plan Options

When it comes to making a decision about your health care plan, you should consider everything available. Your options may run the gamut from employer plans, government plans, private individual plans, short-term plans and more. While the sheer number of choices can be overwhelming when you find the right one it can give you peace of mind and save you thousands of dollars. Here is some of the jargon demystified that you’ll need to know:

  • Premium — The amount of money your health insurance coverage will cost for a specified period of coverage.
  • Fixed benefit — A specific amount due for a particular extras service item. Ask your insurer what your benefit will be.
  • Excess – An amount that must be paid for your same day or overnight hospital treatment, which may vary, depending on what level of coverage you select.
  • Gaps – The difference between a health provider’s fees and the amount your insurer agrees to pay, and the out-of-pocket expenses you’ll incur.

Timing Matters

If you are transitioning to a government plan or leaving an employer health plan, pay attention to the transition timing to ensure you aren’t left with gaps in coverage. Certain health insurance plans require you to enroll within a specific window to qualify.

Contact Bob Korvas Agency Inc. today for information about finding health coverage to protect you from emergency situations, treat common health concerns and receive regular check-ups. Talk to our experienced health insurance agents in Niles, IL to determine the best option for your health insurance coverage needs.

Life Insurance, not Just for Parents and Elderly

Many people within a certain age group do not bother to purchase life insurance, even though they keep their car, home, and healthfully covered. The main demographic that does purchase life insurance are parents and the elderly. Parents because they want to know that their children will have money to survive and bury them if needed, and elderly often for similar reasons. Life insurance can be very useful to people no matter the status of their dependents though, even if it may not seem so on the surface. At Bob Korvas Agency Inc. we want you to have peace of mind and full coverage for all aspects of your life. 

Life insurance is a sum of money that is used upon the insured death to help with burial expenses and often to leave dependents with a nest egg. Even people without dependents can die, and when these people die there are expenses that must be paid. To ensure that you are not leaving the burden of your funeral on your parents or friends a small policy can bring you peace of mind just in case. 

Life insurance is also a way to make sure that your exact wishes are carried out upon your demise. For example, if you are paying for your own funeral and have the plans set in place no one else can step up and take over in a way you would not wish. It goes beyond the burial as well. For example, if you owe a debt your life insurance policy can cover it and your assets are free to go where you planned. If you owe money sometimes serious debt can surpass your will, with litigation. 

Life insurance eases the burden of an early death and allows you to have more control of your assets after death. Granted life insurance may be more required for parents and the elderly, it is still very useful for young adults. Contact us at Bob Korvas Agency Inc. for insurance quotes in and around Niles, IL.

The Top 3 Reasons Casualty Insurance Is Integral to Protecting Your Business

Part of being an entrepreneur and business owner is accepting that some risks just come with the territory. But certain risks can end your business entirely if not carefully prepared for. And in these situations, if you live in Niles, IL, it’s best to put the risk in the hands of a trustworthy insurance agency like Bob Korvas Agency Inc.

About casualty insurance

Casualty insurance is also known as liability insurance, meaning it protects against negligence lawsuits that may be filed against you by employees, customers, or the public. It also insures against loss or damage of property due to a direct accident as well. It does not include coverage for loss or damage of property due to an event like a burglary or theft. That’s property insurance.

The top reasons your business needs casualty insurance

• You’ll have vehicle insurance.

In addition to your actual property, casualty insurance will protect your company’s vehicles as well. In the event of a serious auto accident, your car, truck, or motorcycle will be protected.

• You’re protected in the event of a flood.

Many areas of the country deal with flooding that can ruin your property entirely. Casualty insurance includes coverage for floods.

• You’re protected from negligence charges.

Everyone makes mistakes, but even some small mistakes can cost you your entire business if you’re not covered. For example, if you were to leave ice in front of your building for just a minute too long in the winter and someone slipped, they might be able to sue you for negligence. With casualty insurance, you’re protected.

How to obtain casualty insurance

If you are interested in protecting your business, consider Bob Korvas Agency Inc. for all your casualty insurance needs. We service Niles, IL and surrounding areas. Our casualty insurance can cover your business for negligence and protect your business from lawsuits that claim your business was at fault for an injury or death. We can also offer you coverage for property loss or damage that occurred because of an accident.

Contact us today for more information and to discuss your casualty insurance options.