Smart Home Technology Insurance

At Goshen Group Inc., serving Glen Carbon, IL, we see more customers needing insurance for their smart homes. Smart home technology doesn’t just make your home easier to maintain; it makes it safer and easier to insure.

What’s some of the technology in smart homes?

  • Canary security devices: These aren’t devices to keep your canary safe. Canary devices monitor home security, air quality, and climate control throughout your home. You can also use them as baby monitors or for pet sitting when you are away from home.
  • Smart water monitoring and emergency shutoff.
  • Smart plugs: Smart plugs and smart outlets control the flow of electricity to connected devices. They can turn appliances on and off daily to save on your power bill.
  • Smart surge protectors: You can also use these devices to remotely turn off appliances and electronics.
  • Home security systems: But you need to know that different insurance companies prefer different home security systems.

Smart technology for your home includes window sensors, door sensors, motion sensors, smoke detectors, and flood sensors. There is technology for keeping you safe outdoors while you are approaching your home, smart locks, smart doorbells, 

Smart home technology helps you prevent problems before they happen, even when you are away from home. They’re helpful in emergencies; you can connect with them through your smartphone or tablet.

So, if you live in the Glen Carbon, IL area, when is the best time to speak with your helpful home insurance agent at the Goshen Group Inc.?

We suggest you come in to see us before you invest in home technology. We can tell you which smart home technology benefits work the best for you, including how your choice of smart technology affects your cybersecurity. Come in and ask us about smart technology options for your home.

Should Recreational Vehicle Rental Businesses Have Umbrella Coverage?

Goshen Group Inc. takes pride in offering superior umbrella insurance coverage for the residents of Glen Carbon, IL. Our expert insurance agents are committed to working diligently to ensure that the individuals and families in and around the Glen Carbon area find the perfect insurance solutions. We understand that navigating the complex insurance world can be overwhelming, so our team goes above and beyond to provide personalized assistance and guidance.

Umbrella Insurance & RV Rentals

When it comes to running a recreational vehicle rental business, there are many risks and uncertainties that owners need to consider. That’s where umbrella insurance provides the extra layer of protection. Umbrella insurance is designed to protect rental business owners from potential lawsuits and financial losses that may exceed the limits of their primary insurance policies. 

This insurance policy acts as an additional safety net, extending the coverage limits of underlying auto and general liability insurance policies. When it comes to recreational vehicle rentals, umbrella insurance safeguards rental companies from accidents or damages that may occur during the rental period.

By having umbrella insurance, rental companies know they have an extra layer of protection to safeguard their assets and business against unfortunate events. Let our knowledgeable and friendly insurance agents find a policy that protects you best. 

Find Out More

At Goshen Group Inc., our team of dedicated professionals is ready to assist customers with getting umbrella insurance in the Glen Carbon, IL area. We understand the importance of protecting you and your assets from risks, which is why we offer comprehensive coverage options. 

Whether you need extra liability coverage for your home, auto, or other personal belongings, our experienced agents are here to guide you in selecting the right insurance. Our team is standing by, ready to provide the assistance and expertise you deserve. Don’t wait until it’s too late – protect yourself today with Goshen Group Inc.

Why Do You Need Health Insurance?

When people are doing everything that they can to save money, they may be cutting things out of their lives. This may also include health insurance. When you are young and healthy, it can seem like a waste of money. However, there are many reasons why you should consider getting insurance. 

These include: 

It keeps you healthy. People who have health insurance are more likely to go to the doctor regularly. They will get the vaccinations that they need, as well as other preventative care to help them stay as healthy as possible.

They are also more likely to go to the doctor when they don’t feel well. This helps catch things before it becomes a bigger problem. A small mole may be removed before it turns into skin cancer. A suspicious lump may be diagnosed before it is too big to remove. 

Health insurance will also protect you in case you are seriously injured. Goshen Group Inc. in Glen Carbon, IL is happy to assist. Nobody expects to be in a car accident, but when it happens, it can cost a lot of money! If you have health insurance, you don’t have to worry about the cost of your hospital stay, surgery, and anything else that you may need. If you don’t, you are going to have to pay out of your own pocket.

If you want to stay healthy, you need to visit the doctor regularly. With health insurance, you don’t have to worry about the cost. You also don’t have to worry about the cost of your medical care if you are seriously hurt. 

If you are struggling to find the right health insurance for you and your family, you may want to talk to a professional. Don’t hesitate to contact us today at Goshen Group Inc. in Glen Carbon, IL.

3 Tips to Weatherproof Your RV This Winter

With winter on the way, now is the time to start thinking about how to weatherproof your RV. Mobile homes are particularly vulnerable to the cold weather in Glen Carbon, IL and can be at risk of damage from the elements. Taking some simple tips from Goshen Group Inc. can help protect your home and keep it in good condition through the winter months.

3 Tips to Weatherproof Your RV This Winter

Protect the pipes in your mobile home from freezing

You can do a few things to keep the pipes in your mobile home from freezing. One is to ensure that the temperature inside your home stays above freezing. You can keep the thermostat set to at least 55 degrees. Another is to insulate your pipes. You can do this by wrapping them in insulation or placing them in heat tape. Finally, you can let the faucets drip a little bit to keep the water moving and prevent it from freezing.

Ensure your mobile home walls are well-insulated

To prevent heat and cold air from escaping from your mobile home, it is crucial to ensure no cracks or gaps in your walls. Insulating the walls can also be done by yourself or someone else. To prevent heat and cold from escaping your mobile home further, you can make sure your windows and doors are properly sealed.

Keep your roof and floor in good repair

You should regularly check for leaks or cracks to keep your roof and floor in good repair. If you find any, you should seal them immediately to prevent further damage. You should also regularly clean your gutters and downspouts to avoid debris build-up.

Reach Out To Us

Things can go wrong even when you do your best to protect your mobile home. That’s why Goshen Group Inc. in Glen Carbon, IL offers RV insurance coverage to protect your home on the go. We understand the unique needs of mobile homeowners and can tailor a policy to fit your budget and lifestyle. Give us a call today to get a free quote.

What is Liability Coverage in Home Insurance?

At Goshen Group Inc., we’re interested in providing quality home insurance to the residents of Glen Carbon, IL. A considerable amount of work goes into designing insurance plans that meet the needs of each client. When it comes to home insurance, our team offers a variety of coverage options, including liability coverage. So as a homeowner, what do you need to know about liability coverage?

What is Liability?

Liability refers to a person being held legally responsible for a financial loss. A major life event – like a flood or a fire – could end up costing a property owner thousands of dollars in damages; in some extreme cases, it could destroy an entire home. In the event of property damage, some homeowners may need legal representation. This is especially common for personal injuries incurred on your property; if a visitor develops an injury while inside your home, they may decide to take legal action. It helps to have liability coverage to pay for legal services such as representation.

Do You Need Liability for Home Insurance?

Clients usually ask about liability coverage if they’re at risk of a legal dispute. As a homeowner, the dispute usually occurs over personal injuries, property damages, or accidents. If you’re uncertain about whether you need liability coverage, remember that it always helps to have comprehensive coverage for a wide range of scenarios. Liability is just one of the many insurance policies that will provide you with peace of mind.

We Are Here To Help

If you’re a homeowner in Glen Carbon, IL then you have the option of purchasing liability coverage from the Goshen Group Inc. To hear more about our coverage, contact the team today.. 

Four things you shouldn’t assume about umbrella insurance

Investing in umbrella insurance coverage can protect you from all kinds of financial problems down the road. At Goshen Group Inc., we provide umbrella insurance coverage to consumers in Glen Carbon, IL.

Unfortunately, consumers sometimes make assumptions that they shouldn’t about umbrella insurance.

Here are four things you shouldn’t assume about this important type of insurance.:

Only homeowners need umbrella insurance.

You don’t have to own a home or real estate property to benefit from having umbrella insurance. Umbrella insurance can complement not only home insurance policies but also auto and renters insurance policies. 

Umbrella insurance only offers coverage that policyholders already have through another policy.

Consumers sometimes make the mistake of thinking that umbrella insurance is a redundant type of insurance that only offers coverage for liability issues that you are already protected against. However, this is not the case. 

Umbrella insurance enhances your existing insurance coverage. An umbrella insurance policy will cover you for liability expenses that you aren’t already covered for under another policy. 

Umbrella insurance is a complicated product that’s impossible to understand.

It’s not hard to understand what umbrella insurance is and how it works. Don’t be discouraged from buying umbrella insurance because you think you don’t understand it. 

Consumers don’t need any other type of insurance as long as they have umbrella insurance.

Umbrella insurance doesn’t replace other types of insurance. You still need auto, home, and other types of insurance even if you have invested in an umbrella insurance policy.  

Reach Out To Us

If you want to avoid leaving your assets at risk, you should have umbrella insurance. At Goshen Group Inc., we’re here to provide umbrella insurance coverage to consumers in Glen Carbon, IL. Call us today to get a quote on an umbrella insurance policy. 

Four reasons why health insurance is essential

Consumers in Glen Carbon, IL need to realize how important it is to have health insurance. At Goshen Group Inc., we can help consumers find the health insurance policy they need.

There are plenty of good reasons to invest in health insurance coverage.

The following are four reasons why health insurance is essential:

Health insurance can prevent serious illness.

Getting preventive health procedures taken care of can help to keep you healthy and prevent serious illness. Fortunately, you can get the costs of preventive health care services covered if you have health insurance. 

Health insurance gives consumers peace of mind.

It’s stressful to live without health insurance. Medical issues can come up that can stress your finances if you don’t have a health insurance policy that is adequate for your needs. You’ll be more confident in your health and future if you have health insurance. 

Health insurance protects a consumer’s finances.

Medical care is essential once you’ve been diagnosed with a serious medical condition. Unfortunately, medical care can be very expensive without health insurance. 

When you have health insurance, you can get the medical care you need without relying too heavily on your savings. This protects your finances. 

Health insurance can improve a consumer’s quality of life.

Getting the health care that you need can prevent health conditions from detracting from your everyday comfort and quality of life. You need to have health insurance to make sure that the medical issues you suffer from don’t lead to chronic pain and discomfort. 

Consult With Us

We can help you find the right health insurance policy at Goshen Group Inc. We’re here to provide health insurance to consumers in Glen Carbon, IL. Get a quote today to find the right health insurance policy for your unique needs. 

Medical Underwriting in Life Insurance

When applying for life insurance in and around the Glen Carbon, IL area, the insurance company must assess the risks associated with insuring an individual. This process is known as medical underwriting, which involves evaluating the applicant’s medical history, current health status, and other relevant factors. 

Transparency is Key

Accurate information is crucial during the medical underwriting process. Applicants must disclose their medical history, including pre-existing conditions, current medications, and prior surgery or treatments. Providing accurate information allows the insurance company to assess the level of risk accurately and offer appropriate coverage. 

Assessing Risk Profile

Several factors are considered to assess the applicant’s risk profile during medical underwriting. These factors may include age, medical history, family medical history, lifestyle choices (such as smoking or excessive alcohol consumption), occupation, and hobbies. The insurance company uses this information to determine the likelihood of the applicant experiencing health-related issues or premature death.

Determining Cost of Coverage

The results of medical underwriting can significantly impact the premium rates for life insurance coverage. Individuals with a favorable health profile and minimal risk factors are likely to receive lower premium rates than those with higher risk factors. Insurance companies use medical underwriting to calculate the probability of a claim being made and adjust the premium rates accordingly.

Assessing Risk and Making Decisions

Underwriters play a vital role in the medical underwriting process. They evaluate the applicant’s medical information, review medical records, and may request additional tests or reports if necessary. Underwriters assess the overall risk level of the applicant’s health and determine the life insurance policy’s terms, conditions, and cost.

How Goshen Group Inc. Can Help You

Here at Goshen Group Inc., we can answer all your questions concerning life insurance. We assist the Glen Carbon, IL region. Get in touch with us today.

3 Facts You May Not Know About Auto Insurance

At Goshen Group Inc in Glen Carbon, IL, we believe it’s important for customers to understand their insurance policies.

Check out these three facts you may not know about auto insurance!

1. Your State Minimum Requirements Might Not Provide Enough Coverage

One of the most important things to know about auto insurance is that state minimum requirements aren’t always enough. Imagine you are in a multicar accident. Suddenly, you are confronted with a concerning issue. You opted for the minimum coverage amounts, only to learn that the total cost of the accident is significantly higher. 

2. Policy Lapses are Highly Problematic

If you let your auto insurance policy lapse, it can cost you. A lapse in policy means that you don’t have coverage for a period of time. This usually occurs when you don’t pay your premiums on time. 

It’s illegal to drive without liability insurance in Illinois. If you have a vehicle loan, you may get into trouble with your bank as well. Your insurance company can also raise your rate if your policy lapses. 

3. Immediately Change Ownership if You Sell Your Car

You are probably aware that you’ll need to change the title of your car if you choose to sell it. But, you may not realize you also need to remove the vehicle from your insurance policy immediately.

If the car is still on your auto policy and the new owner has an accident, it can lead to a messy situation. Of course, you’ll also want to avoid premiums for a vehicle that you don’t own!  

Reach Out To Us

Looking for auto insurance in Glen Carbon, IL and surrounding communities? Contact us at Goshen Group Inc. We offer auto insurance policies, as well as many other types of insurance to meet all your insurance needs. 

The importance of carrying workers compensation insurance

Having workers’ compensation insurance from Goshen Group Inc. is essential for businesses of all sizes here in the Glen Carbon, IL area.

Why This Vital Coverage?

It provides financial security for businesses and their employees in the event of an employee becoming incapacitated or injured due to an on-the-job accident or illness. Without this type of coverage, businesses would be liable for the medical costs associated with workplace accidents and illnesses, which can be a significant expense. 

Moreover, employers who do not have workers’ compensation insurance could face legal action from their employees if they are unable to cover the costs of treatment or lost wages due to a workplace injury or illness. In addition, some states require employers to carry workers’ compensation insurance in order to operate legally. 

By carrying workers’ compensation insurance, employers can ensure that their employees receive the medical care and financial support they need in the event of an accident or illness related to their employment. This coverage also gives employers peace of mind in knowing that they are protecting themselves from expensive claims resulting from workplace injuries and illnesses. 

Workers’ compensation insurance is vital for both businesses and their employees. It helps protect businesses by covering the costs associated with workplace accidents and illnesses while ensuring that employees receive proper medical care and financial assistance if needed. As such, it is important for businesses of all sizes to have this type of coverage in place.

Reach Out To Us

For more information or to find a policy that will protect your business and your employees, give us at Goshen Group Inc. a call today. We are proud to serve the Glen Carbon, IL area and would be happy to help you find a policy that meets your needs and your budget.