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equipment breakdown

What is Equipment Breakdown Coverage And Why You Should Consider Getting Some

What is Equipment Breakdown Coverage And Why You Should Consider Getting Some

equipment breakdown

You own a home and consequently have a corresponding homeowners insurance policy. Well done and also this is the minimum amount of coverage you should have for this important asset. 

In a previous post we spoke about the importance of having coverage for the utility service lines leading into and out of your home.  Similarly, equipment breakdown coverage is an additional, inexpensive endorsement that is meant to cover household appliances that stop working in case of electrical or mechanical failure. While your regular homeowners policy will cover appliances if they are lost or damaged in a bad storm or fire, there is little to be done outside of these instances. 

Equipment breakdown coverage functions similarly to a home warranty, covering everything from furnaces to refrigerators to air conditioners if they break down. The difference is that you can add equipment breakdown coverage to your home insurance policy as an endorsement at a nominal fee; a home warranty is typically a separate product that you buy through a separate entity.

Here are some examples of covered equipment:

  • Heating and air conditioning systems
  • Computers and computer equipment; data restoration
  • Refrigerators and freezers
  • Food spoilage
  • Washers and dryers
  • Ovens and microwaves
  • Boilers and furnaces
  • Water heaters
  • Home entertainment systems
  • Sump pumps
  • Some home gym equipment like a treadmill
  • Jacuzzis, hot tubs
  • Electrical power panels
  • Home security systems

Your equipment breakdown coverage endorsement will typically reimburse you for physical loss or damage resulting from:

  • Mechanical breakdown
  • Accidental breakdown caused by improper installation
  • An artificial electrical current, like electric arcing
  • Pressure systems breakdown

However, it will not cover for appliance replacement or repairs if the damage or loss is caused by wear and tear, including rust or corrosion, deterioration, any defects, mold, cracking, shrinking or expanding, or pest damage. 

For pennies a day this endorsement is something we encourage all homeowners to consider adding their existing policy. Think of it as a well-deserved homeowner upgrade that will likely pay off in the end. 

For more information or to add this coverage to your existing homeowners policy, get in touch with your Snyder Insurance representative today. 

Service Line Coverage

Service Line Coverage — The Coverage You May Not Have Heard About That You Absolutely Need.

The Coverage You May Not Have Heard About That You Absolutely Need.

Service Line Coverage

Picture this: It’s a Sunday afternoon and suddenly you’ve lost water pressure. There’s a trickle of water coming out of your bathroom faucet and there’s no chance the last load of weekend washing is going to get done. You’re not sure what the issue is. Sure, it’s a pain to deal with but you’re not worried because you have a homeowners insurance policy. 

While losing water pressure doesn’t regularly happen it is fairly common to think that a homeowners policy will cover any homeowner issues that may arise. However, this would be incorrect. While a homeowner’s policy covers any issues that arise within your home there are plenty of issues that can occur outside your home and still affect everyday living.

Let’s take the situation described above. A loss of water could be an issue with the pipes leading into your home: those on your property but exterior to your home. It  could be from an old growth tree root that has penetrated your water pipe. Once it’s on your property it’s not the city’s issue it’s yours and a normal homeowners policy is not going to cover the cost as it’s outside the home. 

Enter in Service Line Coverage. Underground service lines are exterior pipes and wiring that provide services to a home. These lines can be damaged by causes not covered by the standard homeowners insurance policy. Coverage can often be purchased for a nominal annual fee that can add up to thousands of dollars in repair savings that would otherwise come out of your pocket. 

Coverage could include:

  • Underground service line repair or replacement costs
  • Excavation costs required to repair or replace the covered service line 
  • Damaged trees, shrubs, plants, lawns, walkways, and driveways
  • Additional living expenses while repairs are made

See below for the types of underground service lines covered and the most typical causes of failure. 

Types of underground service lines covered:

  • Natural gas
  • Steam 
  • Waste disposal 
  • Water 
  • Drainage 
  • Compressed air 
  • Electrical
  • Heating 
  • Communications 

Typical causes of an underground service line failure:

  • Wear and tear or deterioration 
  • Rust or other corrosion
  • Mechanical breakdown 
  • Damage from weight of vehicles, equipment, animals, or people
  • Artificially-generated electrical current 
  • Freezing or frost damage
  • Vermin, insects, rodents, or other animals
  • Collapse
  • Tree root or other plant root invasion 
  •  

For more information or to add this coverage to your existing homeowners policy, get in touch with your Snyder Insurance representative today!

Family

Life Insurance is for those you LOVE

Life insurance is for those you LOVE!

Life insurance isn’t typically light and fun dinner time conversation. In fact, most people don’t want to talk about it all. But we believe that preparing for the future and everything that may come with it doesn’t have to be heavy or depressing. Instead, think about it as an act of love. Yes, love.  Because life insurance isn’t about you. It’s about caring for your loved ones and providing them the gift of removing financial burdens in the event you’re unable to. It’s both a timely and worthwhile topic so let’s dive in, shall we?

Let’s begin by discussing a main distinction between the types of policies — Term life Insurance versus Whole Life (also known as Permanent) Insurance. Both are useful policies in their own right, but your family’s needs will dictate which policy is the most appropriate. 

1. Term Life Insurance

 It’s just as it sounds, it’s life insurance that provides protection for a specific period of time. It insures against the unthinkable – a premature death. This type of policy only pays your beneficiaries if your death occurs within the period of time you’re covered. Otherwise, it expires with no value. 

Typically, these periods of time, or “terms”, are offered in increments of 10, 20 or 30  years. When choosing a term you’ll want to consider several factors like the number of years left on your mortgage and how many years before your children become independent.

2. Whole Life Insurance

Whole Life Insurance – Like you would expect from the name, whole life insurance can provide life-long coverage. This type of policy, similar to term insurance, will pay your beneficiaries if something should happen, but it typically includes an investment component that can be used by the owner throughout the policy’s lifetime. 

Understandably, because it offers lifelong coverage as well as the potential for cash value benefits, whole life insurance is typically a more expensive option but one used by those who have some expendable cash and want coverage for their loved ones. 

Typically, these periods of time, or “terms”, are offered in increments of 10, 20 or 30  years. When choosing a term you’ll want to consider several factors like the number of years left on your mortgage and how many years before your children become independent.

Family

Regardless of the type of insurance you choose, both will cover bills your family may face immediately after your passing. Things such as burial costs, outstanding bills, mortgage payments, etc. All those worrisome costs that can keep them from focusing on getting through a tough time. 

By having a plan in place and replacing your income after you’re gone, it can mean the difference between having to move out of the family home, getting a second job or being able to afford child care and paying for college tuition. The stakes are high when it comes to the love you have your family. Schedule a call with your insurance agent today and show your family how much their welfare means to you this Valentine’s Day season. 



Winterize Your Life

Winterize your life!

Well, maybe not your life but certainly your home and vehicles. With October ushering in an early snow event this year (hello snowy trick or treating) it’s bound to be a long, cold winter season. Prepare yourself and your belongings the best you can with these winterization and safety tips.

Clean Your Gutters

With temperatures plummeting ice forms (and falls) quickly. Cleaning out leaves and debris from your gutters at the beginning of the season will prevent icicles and ice dams forming later. 

Window Insulation Film

Window Insulation Film

Listen, we know it’s not all that fashionable, but it you have single-pane or a drafty window not only are you looking at a cold winter sitting on the couch, you’re also likely staring down a costly utility bill. You may want to consider breaking out the hairdryer and putting some plastic film in place for the coldest months. The difference could be dramatically warmer and cheaper!

Change Your Furnace Filters

Now that you’re going to be spending considerably more time inside, running your furnace, change the air filter. It will save you money and also it’s good for your health. 

Check Your Fireplace

Before you build the first fire of the season have a professional out to service and clean the chimney. It’s not uncommon for them to become obstructed with an animal nest or an abundance of creosote build-up.

Now that your house is in order, let's talk about what you can do to prepare your vehicle for freezing temperatures and cold weather driving.

Slow Down

I know it sounds so simple but how many times have you been on autopilot to and from work and the next thing you know you’re driving way too fast for the road conditions. Winter is the time of black ice and good time to take your foot off the accelerator.

Check Your Tire Tread and Tire Pressure

If you’ve known in the back of your head it’s time to change out your tires, make this a priority before the mercury drops lower. There’s no better way to make it home safely than to have four good tires carrying you home.

Check Your Battery

Your battery, an intregral key to the wellness of your car. Cold temperatures can zap an already old or low battery in the blink of an eye. To prevent breakdowns and side of the road mishaps spend the money and update old batteries ahead of time. 

Stock Your Car

Not only with gas in the tank and oil under the hood, which are also important, but also with emergency supplies. You never know when you’re going to get caught on the side of the road in the middle of a crazy blizzard. Having an extra layer of clothes, something to eat, and water to drink can be a total game changer. Check out this list to see the other things you also might consider having on hand this winter.

Fall in Bloomington, IL

6 Fun Fall Things To Do in Bloomington, IL

While everyone is busy lamenting the demise of summer and the rise of colder temps we’ve been busy rounding up all the fun Fall things to do in Bloomington, IL. With so many to choose from we’ve managed to narrow it down to six things. From trick or treating at the Zoo to our favorite flea market we know you’re going to find your new fall activity on the list!
3rd Sunday Market, Bloomington, IL

3rd Sunday Market

This is not your grandma’s garage sale. With a continuous run since 1988 and over 450 top dealers, you’ve come to the right place for collectibles, antiques, and everything in between. Do yourself a favor, grab some breakfast before you head over bright and early to score the very best deals available. 

Sunday, October 20, 2019

8:00 am – 4:00 pm

Cost: Adults $6, Children Free

Location: Interstate Center 1106 Interstate Dr. Bloomington, IL

 
Eastland Suites Trunk or Treat Event, Bloomington, IL

3rd Annual Trunk or Treat at Eastland Suites 

In its third year Eastland Suites Trunk or Treat is a festive Halloween experience for the whole family. Truly a community event, there will be 20-25 area businesses in attendance with decorated cars handing out candy. Grab your costume and be sure and say hi to the ghosts and ghouls on hand to wish you a Spooky Halloween! 

Wednesday, October 23, 2019

5:30 pm – 7:30 pm

Cost: Free!

Location: Eastland Suites Hotel & Conference Center 1801 Eastland Dr. Bloomington,. IL

Trick or Treating, Bloomington, IL

Downtown Bloomington Trick or Treating 

It’s a week of trick or treating! Start off on Wednesday night at Trunk or Treat and then grab the family on Friday night to head to downtown Bloomington for round two. Many businesses will be participating by handing out candy and other goodies for kids. 

Friday, October 25, 2019

5:00 pm – 7:00 pm

Cost: Free!

Location: Various Locations around Downtown Bloomington 200 N Main St Bloomington, IL

Discovery Museum, Halloween Hoopla, Bloomington, IL

Halloween Hoopla

If you feel like all the fun this season has been for kids then Halloween Hoopla at the Children’s Discovery Museum is for you! One of the most popular  family fall events they encourage ghosts and ghouls of all ages to celebrate Halloween. With trick-or-treating in the museum exhibits and spooktacular games and crafts, they have something for everyone. 

Friday, October 25, 2019

6:00 pm – 8:00 pm

Cost: $5 members, $12 non-members

Location: Children’s Discovery Museum 101 E Beaufort Street Normal, IL

Murder Mystery at the Winery, Mackinaw, IL

Murder Mystery Dinner- Murder at the Haunted Winery

Line up the babysitter for the little monsters because the Murder Mystery Dinner is your chance to play Clue in real life. Show up on time to mix and mingle with the cast. This is your chance to let them know you would like to participate in the show. Billed as an interactive comedy of terrors this show has it all — wine, dinner, and a chance to solve (and be part of) the mystery! 

Friday, October 25, 2019

5:30 pm – 9:30 pm

Cost: $45 Per Person Plus Tax

Location: Mackinaw Valley Vineyard & Winery 33633 State Route 9 Mackinaw,  IL

Miller Park Zoo, Spooktacular, Bloomington, IL

Miller Park Zoo Spooktacular

Head over to the Miller Park Zoo and join the animals in celebrating Halloween. The Zoo will be lit up with fun and spooky Halloween decorations. You can wear your costume while enjoying the local vendor booths, seasonal arts and crafts, and close-up encounters with the animals. Also, let’s not forget the most important thing — the candy! 

Saturday, October 26, 2019

5:00 pm – 8:00 pm

Cost: $3 for members and $7 for non-members

Location: Miller Park Zoo 1020 South Morris Bloomington, IL

Looking for more fun Fall things to do? Great! We have also rounded up some activities in Champaign, IL and Springfield, IL!

Fun Fall Things to do in Champaign IL

4 Fun Fall Things To Do in Champaign, IL

This season has all the necessary fun, Fall activities in Champaign, IL for a good time. Fresh crisp weather, pumpkins galore, and all kinds of free, family events. We’ve done the work for you and rounded up a list of our favorites. From costume contests to a whole event based around catapulting pumpkins in the air. We know this for sure — you’ll want to mark these dates on your calendars:
Halloween FunFest, Champaign, IL

Halloween FunFest 

 

In its 34th year, Halloween FunFest is THE event for Halloween fun for the whole family. Champaign and Urbana Park Districts along with Market Place Mall invite you and your family to come out and enjoy this FREE event. Dress up in your favorite costume and turn your Thursday into a spooktacular night. There will be trick-or-treating, games, and a costume contest. If you dare, take a walk through the spooky (family-friendly) haunted house, and most importantly don’t forget to bring a bag to carry all your goodies home!

 

Thursday, October 24, 2019

5:00pm – 8:00pm

Cost: Free

Location: 2000 N. Neil St. Champaign, IL 

 
Downtown Mahomet Trunk or Treat, Mohoment, IL

 

Downtown Mahomet Trunk or Treat

 

The cars will be decorated and the candy will be in abundance. Slide into your costume and bring the family down for the Downtown Mahomet Trunk or Treat celebration. In between munching on candy, vote for your favorite decorated car and enter The Best Costume Contest. Entries will be posted to Facebook and everyone will be allowed to vote for the winner. There’s a lot going on in Downtown Mahoment, all you need to do is show up to enjoy the festivities. 

Friday, October 25, 2019

6:00pm – 8:00pm

Location: Various Locations around Downtown Mahomet, IL

Nightmare on Grove Street, Champaign, IL

Nightmare on Grove Street

Don’t worry about having nightmares at this event because Nightmare on Grove Street is going to have a lot more treats than tricks. A free family friendly event held in Douglass Park, there will be fun activities for the kids and of course a candy give away! 

Saturday, October 26, 2019

12:00pm – 2:00pm

Cost: Free

Location: 512 E. Grove St.

Champaign, IL 61820

Pumpkin Chunkin, Champaign, IL

Punkin Chunkin

Nothing says fall like pumpkins everywhere and the Punkin Chunkin takes them to a whole new level. Hosted by The World Championship Punkin Chunkin Association, this non-profit raises money for scholarships, as well as organizations that benefit youth and the local community. This annual event fuels innovative engineering and science-based ideas that draw spectators from all over. A weekend long event you can camp out if you wish and pop in to see a pumpkin or two tossed around. Either way you’re sure to enjoy the competitive quest that strives for more distance in those flying pumpkins! 

 

Saturday and Sunday, November 2nd – November 3rd 

Cost: Children 10 & under are free. You can buy tickets here. 

Location: 6 Aviation Center Dr. Rantoul, IL

 

Looking for more fun Fall things to do? Great! We have also rounded up some activities in Bloomington, IL and Springfield, IL!

Fun things to do in Springfield, IL

5 Fun Fall Things To Do in Springfield, IL

Central Illinois during fall is the perfect storm of seasonal bliss. Crisp days, strong sunshine, and did we mention a bevy of family fun events? We have rounded up the best fall activities in Springfield, IL including a haunted zoo, a jack-o-lantern spectacular, and even a parade. Get out your calendars and mark them down, you’re not going to want to miss out! 

Carve for the Carillon, Springfield, IL

Carve for the Carillon

 

Calling all pumpkin carvers! There are 2000 pumpkins ready for the Jack-O-Lantern Spectacular and they all need to be carved! This is your chance to discover your inner artist and stock up on your pumpkin seeds for late night noshing. Come and help scoop and carve in preparation for the event the following week. Everyone in the community is invited. Just bring your favorite scooping and carving tools. You supply the creativity and they will supply the pumpkins!

 

Saturday & Sunday October 2nd – October 3rd, 2019 

11:00 AM – 4:00 PM

Cost: Free

Location: Thomas Rees Memorial Carillon 1740 W. Fayette Ave Springfield, IL 

Jack-o-Lantern Spectacular, Springfield, IL

 

Jack-O-Lantern Spectacular 

 

In its 15th year, the Jack-O-Lantern Spectacular was inspired by an event with the same name in Rhode Island – featuring the talents of professional artists only. Springfield’s event differs in that everyone is invited — from students, individuals, families and artists — from the community to participate and carve their own pumpkin. 

 

This event features more than 2,000 illuminated hand-carved jack-o-lanterns displayed around the Carillon and the Washington Park Botanical Garden. There will be special Carillon music, wonderous lighting and sound effects, a unique Tree of Lights, and all kinds of tasty bites. With thousands in attendance this event is one of Springfield’s crown jewels of the season.

Friday & Saturday October 18th – October 19th, 2019 

6:30 PM – 9:30 PM

Cost: Adults $7; Children 4-11 $5; Children 3 & under Free

Location: Thomas Rees Memorial Carillon 1740 W. Fayette Ave Springfield, IL 62704

Zoolie Ghoulie at the Zoo, Springfield, IL

Zoolie Ghoulie at the Zoo

During one weekend of the year as the sun sets and evening arrives the Zoo is transformed into a haunted Halloween haven. You’ll find trick or treating and an assortment of not too scary, family-friendly activities. Another perfect opportunity to don your favorite Halloween costume and fill your candy bucket! 

Friday to Sunday October 25th to October 27th, 2019 

Friday: 5 pm – 8 pm; Saturday -Sunday: 1 pm – 5 pm

Cost: The price of admission

Location: Henson Robinson Zoo 1100 E. Lake Shore Dr Springfield, IL 62640

 

Halloween at the market, Springfield, IL

 

Halloween at the Market

 

It’s tradition that the last Farmers Market of the season go out with a bang, or in this case with a Boo! The annual Halloween at the Market, has lots of kids activities and a great costume contest. Not just for kids, there’s also a category for the whole family and your dog! You really can’t beat this fun, fall activity!

Saturday, October 26th, 2019

9:00 AM – 12:30 PM

Cost: Free

Location: Downtown Springfield 411 E. Adams St Springfield, IL 62701

Halloween Parade Springfield, IL

Halloween Parade

 

What’s more spooky and festive for Halloween than a nighttime parade? The Parent Place is hosting its 3rd Annual Halloween Parade in downtown Springfield on 5th and 6th Streets. Line up on the streets and bring your candy pail to collect your goodies as floats, costumed children, and other special Halloween guests parade the streets! There’s even a contest for best parade float — which one will it be? Watch for festive floats and entries in this lighted evening parade! 

 

Saturday, October 26th, 2019

7:30 PM

Cost: Free

Location: Downtown Springfield 1 Old State Capitol Plaza Springfield, IL

Looking for more fun Fall things to do? Great! We have also rounded up some activities in Bloomington, IL and Champaign, IL!