What Does A Standard Homeowner’s Insurance Policy Cover?

If you are like most homeowners, your home is your most expensive asset. Because of this, you should have a homeowners insurance policy. There are several things that your policy will cover to protect you and your home.

Dwelling Coverage

If your home is damaged or destroyed by a covered incident, such as fire, wind, and lightening, the policy would pay to have the home repaired. In order for the home to be rebuilt, if it is destroyed, you would need to have enough coverage on the house to have a new one built. Certain policies will also cover additional structures on the property, such as an unattached garage, a shed, and a fence.

Personal Property Coverage

If any of your personal property is damaged or stolen, your homeowner’s insurance would cover to repair or replace the items. This would include furniture, electronics, jewelry, and anything else of value.


This part of the policy would cover you if anyone were to be injured on your property. If they were to file a lawsuit, your liability insurance would cover it. If someone who lives in your home injures another person or damages their property, the liability insurance would cover it.

Loss of Use Coverage

If the home is damaged and cannot be lived in until it is repaired or rebuilt, many insurance policies will cover the cost for you and your family to relocate until the house is repaired.

Additional Home Coverage

There are certain incidents that could occur in your home that is not covered under a typical homeowner’s insurance policy. In order to be covered for these disasters, the homeowner would need to purchase additional home coverage.

In order to be sure that you have the maximum protection on your home in case of a disaster, you should purchase an insurance policy through Bob Korvas Agency Inc. in Niles, IL.


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Safe Traveling in Your RV Vehicle

RV road trips provide great opportunities to explore new places and meet new people along the way. Whether you’re planning short trips around Illinois or going cross country, the following travel tips can make your trip that much safer and enjoyable.

Know Your Vehicle

Before taking off on an RV road trip, you should get to know your vehicle and how it operates so you will feel more comfortable driving it for long distances on the road. If you’re new to driving an RV, you can always take practice drives in your local area to gain experience in ascending hills, switching lanes, parking, etc.

The more adept you become at handling your vehicle, the safer driver you will be. RV insurance protection from Bob Korvas Agency Inc. will also serve to keep you safe throughout your travels.

Plan Your Journey

Your RV road trip will go much smoother if you follow a plan. Your plan should include setting up travel routes, choosing camp sites and making a budget for meals, gas and extra-curricular activities along the way. If traveling with kids, make sure they have all they need to include favorite toys or gadgets that will make the trip more pleasant. Advanced planning will simplify your travels so you can focus on enjoying the journey.   

Bring Tools, Spare Parts and First Aid Kit

A well-stocked tool kit, jumper cables, extra fuses and spare parts for your particular vehicle will make maintenance and repair easier while on the road. You should also have a good first aid kit on board to handle scrapes, cuts, and bruises that may occur along the way.

Safety is a priority when traveling in a recreational vehicle. Before taking off this summer, call or visit us at Bob Korvas Agency Inc. to get the RV insurance protection you need.