Green Light Insurance
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Motorcycle Insurance Agency
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7300 N. Western Ave.
Chicago, IL 60645
tel: (773) 761-8800
fax: (773) 761-6932
 
 Motor Home/RV Insurance
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Mobile Home Insurance:  a brief summary of the type of coverage’s available

       Mobile Home For Sale

Comprehensive Coverage

No insurance policy covers everything.   However, your policy should cover a wide range of possible damages or causes of loss. Most mobile home policy features comprehensive coverage. This coverage covers direct, sudden and accidental physical losses that aren't specifically excluded in your policy, like:

  • Fire
  • Vandalism
  • Landslide
  • Falling Objects
  • Explosion
  • Off Right-of-Way Collision
  • Attempted or Actual Burglary or Robbery
  • Water Damage from Bursting Pipes
  • Damage from Ink, Paint, Dye, Shoe and Nail Polish
  • Damage by Wild or Stray Animals
  • Collapse from the weight of ice and snow
  • Wind
  • Hail


Liability Coverage

Additional Coverage’s Included with Your Policy

Liability coverage is an important part of your insurance package.  It covers you if you're found legally responsible for an accident that causes injury or property damage to someone who doesn't live in your home. It covers costs like medical bills, lost wages, pain and suffering, and property damage, as well as legal expenses for you and legal cost reimbursement if you're sued.

Most companies include these important coverage’s in your mobile home policy:

  • Additional Living Expenses
  • Trees, Shrubs, Plants and Lawns
  • Debris Removal
  • Emergency Removal Service
  • Credit Card and Check Forgery
  • Emergency Repairs After a Loss
  • Fire Department Service
  • Food Spoilage Coverage

Optional Coverage’s

We offer coverage’s that let you customize your policy. Some coverage’s may be subject to company underwriting restrictions.  As what is available in your state. Some of the most popular coverage options are:

  • Trip Coverage When Moving Your Home
  • Personal Liability Coverage on Additional Residences
  • Scheduled Personal Property Coverage
  • Earthquake Coverage
  • Replacement Cost Coverage for your Mobile Home, Other Structures and Personal Belongings

Types of valuation options:

  • Agreed Value - If your home is destroyed by an insured loss, you get the full amount of insurance shown on your Declarations Page for your home, minus any applicable deductible.
  • Replacement Cost - Purchase optional Replacement Cost Coverage and get a settlement that reflects the cost to replace the damaged items with new property at today's prices. With this optional coverage you can receive up to 120% of the insured amount, if needed, to replace your home.


Recreational Vehicle Safety Tips

Traveling Safely in Your RV

Traveling safely is important to everyone who takes to the road in a motor home or travel trailer. Make sure your RV is well maintained and ready to go when you are. That's the first step toward having a safe trip.

Before your trip

  • Remember to observe the common principles of safety:
  • Obey the speed limit.
  • Buckle your seat belt.
  • Know your vehicle height before you go.
  • Install a deadbolt door lock on your RV.
  • Inspect all belts and hoses for cracking, especially radiator hoses. Replace as needed.
  • Check headlights, tires (air and tread) and turn signals.
  • Check any hitch or towing equipment.
  • Verify your insurance coverage.
  • Check your fire extinguisher and smoke alarms.
  • Clean your cooking vent hood to avoid grease fires.
  • Leave your itinerary with relatives or friends in case of emergency.

Tools to keep handy

  • Flashlight
  • Jumper Cables
  • Flat Repair Spray
  • Road Flares
  • Adjustable Wrench
  • Screwdrivers
  • Pliers
  • Duct Tape (for temporary repairs to ruptured radiator hoses)

Park in a sheltered area

Avoid trees or power lines that could fall on your vehicle. The safest place during lightning is inside your RV. If you're in the path of a tornado, you are safest in a tornado shelter. Avoid parking in low areas that are prone to flash flooding.


What You Need to Know Before You Drive a RV

1. Don’t Blow It: Essential Propane Tank Know-How

From refueling to inspecting the exhaust system, propane tank operation and maintenance is a big job. And although propane tanks are deemed safe for RV use, there are some key tips to help ensure an enjoyable ride:

No matter how big a sports fan you are, never paint your tank a dark color, which more readily absorbs the sun’s rays and can cause the tank to overheat and explode.

Don’t travel with the stove, oven or heater burners lit.

Never refuel with any propane tank while an appliance is running or engine is running.

Make sure older propane tanks are checked to ensure they have an overfill protection device and check intake and exhaust vents for birds’ nests and other blockages.

Avoid refrigerator fires (powered by propane). Have your propane tank regularly checked by a certified dealer to ensure lines are in good shape and that they are not leaking.

Install a propane gas detector.


2. Tighten Up: Conducting a Pre-Drive Safety Check

Many accidents are caused by simple forgetfulness: leaving doors unlatched, awnings up or steps attached to your vehicle. Create a step by-step checklist, and like a pilot, conduct a “walk-around” visual inspection before driving away. A pre-drive checklist should include:

Make sure bay doors are closed and latched.

Double-check tow bar and safety cables.

Disconnect all power, TV, phone, water and sewer lines.

Retract jacks, steps, and awnings.

Look under the vehicle for signs of fluid leaks.

Check oil, transmission and coolant levels.

Check air brakes, parking brake and tow brakes.

Make sure stove, oven and heater burners are not lit and turned completely off.

Check the propane tank for leaks and intake/exhaust lines for blockages. 

Inspect tire inflation pressure and tread wear.

Make sure smoke and propane leak detectors are working.

Check your surroundings (weather, overhangs and ground hazards).


3. Go Easy on the Brakes

Most RVs use air brakes rather than the typical hydraulic brakes found in cars. They have a very different feel: easy does it. There is a slight delay when applying the brakes, but don’t overcompensate with a hard, fast push on the pedal, which will cause an abrupt stop.


4. Practice S.A.F.E. Cornering

Drivers must compensate for the extra weight, height and length when cornering. Practice S.A.F.E. cornering:

Slowly approach the turn. It’s much easier to speed up in the corner than have to brake.

Arc the turn, careful to not arc the first swing in the opposite direction, confusing drivers behind as to where you really intend to go.

Finish the turn completely. Drivers make a common mistake when they straighten before the back end of the vehicle has cleared the pivot point.

Experience is key! The best way to become a good RV driver is practice, practice, practice.


5. Follow the Rule of 20 Percent

Fully loaded rigs have slower acceleration and take longer to come to a full stop than autos. To compensate, add 20 percent to everything you do, from increasing your following distance, to judging if you have enough clearance, to safely merging into traffic.


6. Know Your Height

Sounds simple, but it’s amazing how many people forget the extra height of an RV while driving. Hitting bridges and overhangs are some of the most common accidents. To avoid getting hung up -- literally -- try this simple trick: put a sticky note on the dashboard with your exact clearance. Another vital fact: a typical RV is 8.5ft. wide; the typical highway lane is only 10ft. wide. This gives you about a foot-and-a-half to work with.


7. Break Out of a Rut

Driving on secondary roads has the advantages of being beautiful but the disadvantage of being narrow. If you feel the front wheel slipping off the road into a rut, follow these easy steps:

Take your foot off the gas, and gently brake. Jamming the brakes can get you deeper into the rut.

Keep your RV steering forward.

Once slowed down, gently turn to the left and get out of the rut, slowly back onto the road. Over correction by jerking the wheel left will cause you to jack knife.


8. See and Be Seen

Always use turn signals. Turn your signal on about 50 feet before you turn. A very common accident is caused by the driver slowing to begin a turn and an impatient driver behind attempting to pass at that same time. And always drive with your headlights on. It doesn’t seem like this big of vehicle would not be seen but you would be surprised how many accident reports say, “I never saw them coming.”


9. Avoiding Unexpected Blow Outs

Approximately 60% to 70% of Insurance’s Comprehensive Coverage claims result from tire failure. Tires normally fail for one of three reasons: improper inflation, worn tread or overloaded/overweight vehicle. Over time, ozone and UV exposure contribute to cracks in tires, especially on the sidewall. To avoid cracking, regularly wash tires with mild soap, water and a soft brush, removing ozone build up. Dirt is also a tire killer, acting as an abrasive that inhibits the tires’ natural wax protection. Keep tires covered (including the spare) when your RV is not in use to prevent ozone and UV damage. Additional tire care hints include:

Watch your pressure: Under- and over-inflation can both lead to blowouts. To help prevent this, check the inflation pressure or your tires at least once a month and always before starting a trip. Do this when tires are cold, as heat generated during driving temporarily increases air pressure. Never remove air from a hot tire, which may result in under-inflation when the tire cools.

Block and level your RV each time you plan to keep it in one place for a couple of days or longer. This will help avoid unnecessary stresses that lead to excessive tire wear.

Make it an inside job: If you pick up a nail, do not have it fixed by installing a plug from the outside. Have the tire dismounted and a repair made from the inside. This is the only way to properly inspect for damage to the inside sidewall.

Avoid tire products that contain petroleum-based substances. Products containing alcohol or petrochemicals may create and accelerate deterioration and cracking, in addition to stripping the tire of its ozone protection. Some silicone oils found in such products may cause similar damage.

Get the Seven Year Itch: Any tire on an RV that is over seven years old should be replaced, even if it has no apparent tread wear.


10. Get Eyes in the Back of Your Head: Tips for Backing Up and Maneuvering in Tight Places

Many hazards such as overhangs, low branches or anything sticking out of the ground are not visible from the driver’s seat of an RV. The best way to avoid these obstructions and to ensure overall safety when backing up is to get an assistant to stand outside of the RV to help guide you into a confined or congested area. Tips for getting into and out of close quarters:

Pull out of an area with the RV’s front facing forward, that way it’s easier to see traffic conditions.

Always back into tight places.

Develop a set of hand signals with your assistant or purchase inexpensive walkie-talkies so there’s no misunderstanding.

 

 

  
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