Liability and Property Insurance Tips for Backyard Fire Pits & Patio Heaters As the sun sets a little earlier and evenings turn crisp, there’s nothing cozier than gathering around a backyard fire pit with friends and family. Whether it’s s’mores with the kids or wine by the flames, fire pits and patio heaters have become [...]
Sending your child off to college is a big milestone filled with pride, excitement, and yes, a few nerves. Between buying supplies, choosing classes, and moving into dorms or apartments, it’s easy to overlook one major topic, insurance coverage. Whether your teen is living on campus, driving to class, or managing their health independently for [...]
Thinking about listing your home, condo, or cabin on Airbnb or Vrbo this summer? You’re not alone. Short-term rentals are a great way to earn extra income especially during peak travel season, but they also come with risks that you should not ignore. From unexpected guest damage to liability concerns, many homeowners assume their [...]
There’s nothing like firing up the grill on a warm summer evening. Whether you’re flipping burgers, searing steaks, or roasting veggies, outdoor cooking is one of the best parts of the season. But behind the fun lies a serious risk: grill fires are one of the most common causes of summer home insurance claims. Each [...]
Summer is all about sunshine, road trips, and backyard fun—but it’s also one of the busiest seasons for insurance claims. From fender benders to fire hazards, the warmer months bring a unique set of risks that many people don’t think about until it’s too late. At Midwest Certified Insurance Agency, we’ve seen the same summer [...]
As summer heats up and the summer rush approaches, many businesses gear up by hiring seasonal employees to meet demand. Whether you're staffing up a retail store, running a busy restaurant, or managing a bustling event space, temporary workers play a critical role in keeping operations smooth during peak times. But with this surge in [...]
As winter fades and spring approaches, Chicago drivers know what’s coming next—pothole season. The freezing and thawing cycle of Midwest winters wreaks havoc on roads, creating tire-busting, alignment-ruining craters that seem to appear overnight. Hitting a pothole can do serious damage to your car, leading to costly repairs. But does car insurance cover pothole damage? [...]
There's nothing more romantic than shared insurance policies this Valentine's Day! Just kidding- but it is true that love is all about sharing—your dreams, your home, and even your streaming platform passwords. If you're married or in a committed relationship, combining your insurance policies could be a smart financial move. From potential savings to simplified management, [...]
As the year winds down and we get ready to ring in a new one, there’s no better time to check in on your insurance coverage. Yes, we know—it’s not as exciting as holiday shopping or planning your New Year’s resolutions, but trust us, it’s just as important. A year-end insurance review ensures you’re properly [...]
Thinking about sprucing up your space with a fresh kitchen, a new bathroom, or maybe even a cozy backyard deck? Watching home renovation shows makes us all excited for a new project- and a way to personalize and improve our homes. Before you break out the hammer and nails on a big project, there’s one [...]
