Personal Lines insurance is Property and casualty insurance products for individuals. Personal insurance helps protect individuals from potential losses they couldn’t afford to cover on their own.
Dasco Insurance Agency offers Personal lines insurance products such as: homeowners insurance, automobile insurance, umbrella insurance, flood insurance, earthquake insurance, renters insurance and specialty items insurance. (Please see below for more thorough descriptions) These products protect individuals and families against potentially crushing financial losses caused by fire, theft, natural disasters, death, accidents, lawsuits and illness.
Personal Lines Insurance won’t cover every risk an individual might face, but they can dramatically reduce the dollar amount of potential losses. Individuals can usually tailor each policy’s coverage and deductibles to strike the right balance between the amount of coverage and the cost of insuring that item/premium.
Always carry your insurance card in your vehicle and show it upon request by any law enforcement officer. Your insurance card is sent when your insurance policy is issued or renewed. If lost or misplaced, you obtain a replacement card by calling us at Dasco and we can reprint for you.
Teenage drivers – If you are a new driver, or the parent of a new driver, the process of obtaining the right car insurance for teens can be confusing. Most often, the best decision is to keep the teen driver included on the family’s Auto Insurance policy.
Follow this link to guide you through some of the most frequently asked questions about auto insurance for teens.
Michele at Dasco is here to consult with you on the most appropriate insurance for your family’s needs. And, as always, NEVER TEXT AND DRIVE.
While homeowners insurance covers most scenarios where loss could occur, some events are typically excluded from policies, namely: earthquakes, floods or other “acts of God” and acts of war.
The coverage provided by watercraft insurance varies according to the type of watercraft being insured. This is because different types of watercrafts carry different risks. For example, a sailboat and a pontoon boat are characteristically different types of watercraft. Watercraft insurance does not provide liability coverage for injuries caused by the operation of the boat or watercraft.
Specialty insurance is not as expensive as many people believe it to be. When the amount of loss is considered, it can actually be a great value in terms of replacement as well as in terms of emotional comfort.
The unit owner typically is responsible for insuring everything within the four walls of his or her individual unit.
The condo association’s master policy, as well as association rules, should spell out clearly which parts of the complex are insured through association dues, and which parts are not. Condo association insurance typically includes commercial insurance coverage for the commonly shared building and common areas. Such policies typically have an association deductible.
Examples of items that an insured should schedule are jewelry, art, musical instruments, furs, coin collections and other costly items that are out of the ordinary. Scheduling valuable items often requires either a receipt or appraisal value to be kept on file with the insurance company stating the value of each specific item.
• The type of bike and its value – higher priced or higher powered motorcycles are more expensive to insure.
• Will you ride alone on the bike? If you do not buy passenger insurance you may never take a passenger along.
• Do you have a loan on the motorcycle? In accordance with the loan, you may be required to carry a full line of coverage.
• Illinois State law required every vehicle on the road to have collision insurance. Depending on the value of the bike, Comprehensive and Collision Insurance may be the smart way to go.
• Driving history of the motorcycle owner
• Credit history of the motorcycle owner
Always carry your insurance card when riding the motorcycle and show it upon request by any law enforcement officer. An insurance card is provided when your insurance policy is issued or renewed. . If lost or misplaced, you obtain a replacement card by calling us at Dasco and we can reprint for you.
A “Flood” is defined as a general and temporary condition of complete or partial inundation of normally dry land area by surface water, and the surface water can be from any source. In order for damage from the “flood” to be considered under the flood policy, the flood needs to be “a general condition” which means that it must affect two or more properties (one of which is yours) or if it is confined to just your property, it must cover two or more acres of land. The flood may occur from:
• Overflow of inland or tidal waters; or
• Unusual and rapid accumulation or runoff of surface waters from any source or mudflow
• Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.
Flood insurance is written through FEMA (Federal Emergency Management Agency) as the National Flood Insurance Program by Dasco Insurance Agency.
A regular Homeowners policy does not provide coverage for flood damage.