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Merit Insurance Group Blog

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Insurance Blog

By Merit Insurance Group on 4/26/2017 2:31 PM
Do You Have Enough Coverage to Rebuild Your Home?  Imagine how devastating it would be to lose your home in a fire. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of insurance.  

Selecting the proper amount of coverage is the single most important decision you can make with your Homeowners policy. Without it, you may not have enough coverage to rebuild after a total loss. This is called “insurance to value.” Below are some explanations and tips to help you make the right choices for your needs — and remember, if you need help, we’re just a phone call away! 

What is insurance to value?

Insurance to value is the relationship between the amount of coverage selected (typically listed as “Coverage A” or “Dwelling Coverage” on your policy declarations page) and the amount required to rebuild your home.  Insuring your home for anything less than 100% insurance to value could mean you wouldn’t have enough coverage to replace your home in...
By Merit Insurance Group on 11/3/2015 4:33 PM
Life insurance is a crucial step in planning for your future. Not only can life insurance provide assurance for your family if you are no longer around, there are life insurance policies that offer benefits while you are living.
By Merit Insurance Group on 6/17/2015 3:52 PM

Time to Honor Dad With summer drawing near and the weather warming up, Chicago and the suburbs come alive with the sights and sounds of the season: lawnmowers, power tools and backyard barbecues, to name a few.

For many people, those things all bring to mind one specific person: Dad. And since Father’s Day is just around the corner, we at Merit Insurance Group thought we’d give you some gift ideas - and some fun history trivia, too!

The History of Father’s Day

Marked on the third Sunday of June in the United States (and in many other countries), Father’s Day was first celebrated in 1910 to complement Mother’s Day. According to Wikipedia, the day was created by Sonora Smart Dodd of Spokane, Wash., who wanted to honor her father, Civil War veteran William Jackson Smart.

Although Dodd originally suggested her father’s birthday in early June, she had not provided organizers with enough time to arrange the event - and the celebration was delayed until the third Sunday...
By Merit Insurance Group on 5/19/2015 3:17 PM
It’s gardening season in Chicagoland, but, with drought still gripping several parts of the country, water usage is a growing concern. Even if conditions aren’t dry at the moment, it’s a good idea to think about how you use this precious natural resource — and how you can use it more wisely.  

Here are five great tips from your friends at Merit Insurance Group to help!

Think about where to plant. Your space has a big impact on the amount of water you need to use. The same backyard can have areas that get different amounts of sun, shade and rain, for example. A flat spot will hold moisture better than one that is sloped. And, don’t forget to check the soil — clay soils will retain water much longer than sandy soils.

Choose the right plants. Different plants and vegetables thrive in different conditions. Pick plants that will work well in your climate, and group plants with similar watering needs in the same area....
By Merit Insurance Group on 4/22/2015 1:08 PM
Warmer weather and sunny days means for many it is time take that classic car out for a spin. Does your vehicle have the coverage to fit the needs of your car.  
By Merit Insurance Group on 3/31/2015 3:09 PM
By Merit Insurance Group on 2/25/2015 1:31 PM
It can be frustrating paying for auto insurance, there are various ways you can help control the cost. Listed in the article are some ideas and discounts that can help contain the price of insurance. Merit Insurance Group in Tinley Park, IL can help make sure you are receiving the coverage that best fits your needs. Call us with any questions.
By Merit Insurance Group on 2/18/2015 12:34 PM

The necessity of life insurance depends on your own personal and financial needs. At Merit Insurance Group we assist and help you determine the type and amount of life insurance that is appropriate for you and your family."

By Merit Insurance Group on 2/4/2015 1:19 PM
Five sure-fire ways to get your car stolen 

Most people would say their car is one of the most valuable assets they own — if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. 

At Merit Insurance Group, we don’t want you walking out your door to an empty driveway or leaving Oak Brook Centre or Orland Mall only to find some broken glass left behind in your parking space. So take care to avoid these five mistakes. 

Leave your car running ... and unattended. We know it can be chilly in the mornings, and who wants to wait in a cold car while it warms up? Well, a thief certainly won’t mind the chill — as he’s driving away in your car while you’re finishing that cup of coffee in your kitchen. If your car is running, you should be in it. Period. Even if you’re just running over to the ATM to get some cash or dropping off some mail.

Keep a spare set...
By Merit Insurance Group on 1/23/2015 2:07 PM
Slow down, save money … and lives  

How many times has the following happened to you? You’re speeding down I-355, the Eisenhower or another highway when you spot local law enforcement or the Illinois highway patrol. You quickly hit the brakes and slow down, relieved that you didn’t get caught … this time. 

Now take a minute to think what could have happened if you hadn’t been so lucky. 

First, your speeding could have hurt somebody — or yourself. According to the Insurance Institute for Highway Safety, speed is a contributing factor in more than 30% of fatal crashes and nearly 20% of non-injury accidents. That’s a big risk to take. 

Second, getting a ticket could put a big hit on your wallet. Of course, that’s not nearly as important as the health and safety impacts of speeding, but in this economic climate, more and more people are watching every dime. And who wants to write a check to the state for speeding? 

At Merit Insurance Group, we want you to be safe. We...

Recent Blog Posts

Do You Have Enough Coverage to Rebuild your Home?
How Much Life Insurance is Enough?
Father’s Day