https://vangundy.com

Van Gundy Insurance - Insuring Illinois and BeyondVan Gundy Insurance provides personal, business, employee benefits, and insurance by industry solutions to Illinois and beyond.Van Gundy Insurance - Insuring Illinois and Beyond Skip to main content Close Search search Menu Insurance Solutions – Personal Insurance Home Auto Umbrella See All Employee Benefits Group Health Group Dental Group Vision See All – Business Insurance Business Owners General Liability Commercial Umbrella See All Insurance by Industry Farm Contractor Equine See All Explore Interactive GraphicsClick it. Read it. Cover it. Service Center Explore Policy Options Report a Claim Pay Bill Request Auto ID Card Request a Certificate Policy Review Request Policy Change Happy with Van Gundy Insurance?Refer a friend. About About Our Agency Meet Our Team Join Our Team Insurance Companies We Are Independent Review Us Refer Us Insurance CompaniesWe represent a variety of insurance companies. Contact Our Offices Normal, IL Office 101 S. Towanda Avenue Normal, IL 61761 Gridley, IL Office 314 N. Center Street Gridley, IL 61744 309-452-1156 vangundy@vangundy.com Office Hours: 8:30-5, M-F ContactContact one of our locations today. 309-452-1156 Request Quote search Insurance Solutions – Personal Insurance Home Auto Umbrella See All Employee Benefits Group Health Group Dental Group Vision See All – Business Insurance Business Owners General Liability Commercial Umbrella See All Insurance by Industry Farm Contractor Equine See All Explore Interactive GraphicsClick it. Read it. Cover it. Service Center Explore Policy Options Report a Claim Pay Bill Request Auto ID Card Request a Certificate Policy Review Request Policy Change Happy with Van Gundy Insurance?Refer a friend. About About Our Agency Meet Our Team Join Our Team Insurance Companies We Are Independent Review Us Refer Us Insurance CompaniesWe represent a variety of insurance companies. Contact Our Offices Normal, IL Office 101 S. Towanda Avenue Normal, IL 61761 Gridley, IL Office 314 N. Center Street Gridley, IL 61744 309-452-1156 vangundy@vangundy.com Office Hours: 8:30-5, M-F ContactContact one of our locations today. 309-452-1156 Request Quote Insure with Confidence Van Gundy Insurance has been insuring individuals and businesses since 1946. Who We AreContact Us Business Individual Life Individual Health Equine Employee Benefits Home Auto Learn About Van Gundy Insurance Since 1946, Van Gundy Insurance, has protected business and family interests of thousands of clients in Central Illinois, as well as equine clients throughout the country. The experienced staff has over 150 years of combined service in the insurance industry, and we’re here to help you find a plan so your business and family are protected. When you need insurance, you can insure with confidence at Van Gundy Insurance. Learn About Us Equine Insurance Van Gundy Agency is proud to be a nationwide leader in providing insurance products to the Standardbred equine/racing community. Since 1946, Van Gundy Agency has offered a wide range of equine insurance products. This tradition continues today with property and casualty insurance for farms & equine facilities, equine general liability, workers compensation and mortality insurance for all breeds of horses. Contact Us to Learn More Insure With Confidence Van Gundy Insurance offers a variety of personal insurance, business insurance, employee benefits, and insurance by industry solutions to help you protect what matters most. Personal Insurance Home Insurance Auto Insurance Umbrella Insurance RV Insurance Watercraft Insurance See All Business Insurance Business Owners Insurance General Liability Insurance Commercial Umbrella Insurance Business Auto Insurance Commercial Property Insurance See All Employee Benefits Group Health Insurance Group Dental Insurance Group Vision Insurance 401(k) Disability Insurance See All Insurance by Industry Farm Insurance Contractor Insurance Non-Profit Insurance Restaurant Insurance School Insurance See All The Independent Agency Advantage What makes our independent insurance agency different? We offer a wide variety of insurance solutions. We are there for you in your time of need. We are by your side every step of the way. We are licensed insurance advisors. An Independent Agency Gives You Options We proudly represent Progressive, Rockford Mutual, Selective, and more! Explore All Carriers FireRisk FactorMost fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.SolutionMake sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.Personal Property / Contents - Property DamageRisk FactorWhen your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.SolutionYour homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.Additional Living Expense / Loss of UseRisk FactorWhen there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.SolutionEnsure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.Valuable PossessionsRisk FactorTypically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.SolutionObtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.Medical ExpensesRisk FactorIf a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.SolutionYour homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.Personal LiabilityRisk FactorIn the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.SolutionYour homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.Miscellaneous CoverageRisk FactorThe fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.SolutionYou should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.Personal Injury / DefamationRisk FactorYoung people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.SolutionYour homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but likely does not cover rumors or statements that damage a reputation. You may need to seek additional coverage to include liability protection that covers personal injury or defamation.Umbrella / Excess Liability CoverageRisk FactorYou invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?SolutionAn umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing financial value and security. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.Flood CoverageRisk FactorYou do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?SolutionPurchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.Secondary HomeRisk FactorOwning a secondary home has the potential of increasing your liability exposures.SolutionBe certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.Collector CarsRisk FactorCollector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowners insurance.SolutionInsure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.Wine CollectionRisk FactorIf you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.SolutionIf you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.Water DamageRisk FactorWhether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.SolutionCareful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.Off-Premises TheftRisk FactorSurprisingly, standard auto insurance does not cover personal property or contents stolen from your car.SolutionMost homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.enusen-UShttps://vangundy.com

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