RB Target Insurance agency, Inc.

02/17/2022

CHICAGO — Blue Cross and Blue Shield of Illinois (BCBSIL) has been named to Forbes’ first-ever list of America’s Best Insurance Companiesexternal link, presented by Forbes and Statista Inc.
I would be happy to provide you with a BCBS Quote for your over 65, Under 65 and Group Insurance needs.

09/22/2021

Today is the first day of fall! What fun activities do you have planned this year? Here are some fall outing trips you can do with friends or family: https://bit.ly/3CyneVr

Just stay Healthy and Safe!
You don't need any insurance claims!

11/27/2018

Protect your Family Pets and Property!

As the days get shorter, you may be tempted to light a fire in your wood burning fireplace. If you haven’t had your chimney inspected, I would recommend holding off. On average, 20,000 chimney fires occur in the U.S. each year. With proper inspections and cleaning, these fires can be prevented.

11/16/2018

Something you should know! Helpful Information!

A common claim scenario that insureds deal with after a storm is fallen trees. If a fallen tree damages your property, does your insurance provide coverage? What if it’s your neighbors tree? Here are some common questions and answers regarding how a standard homeowners policy may respond.

11/15/2018

This is a question frequently asked so hopefully it can help the understanding of your auto insurance.
You can always call RB Target Insurance Agency!
847-925-9900

If you’ve watched the news lately, there has been significant coverage on wildfires, severe storms, and most recently, Hurricane Florence. As we transition through the seasons, we encounter different perils that could pose risk to our vehicles. Do you know how auto insurance will respond?

10/30/2018

On their day off, two teenage camp counselors decided to drive into town to get supplies for camp and do laundry.

09/15/2017

To all my West Bend Mutual Clients, family and friends.
Please read this information and take the necessary security precautions. My clients that have Identity Theft Protection this will help you if needed. Call me with any questions you have.
847-925-9900

September 14, 2017
Update
The message about the Equifax data breach sent to you earlier this afternoon contained an error in the Cyber Scout phone number. The correct phone number is included below. We apologize for the error and any confusion it may have caused.
Equifax Data Breach Consumer Information
Equifax, one of three nationwide credit-reporting agencies that track and rate the financial history of consumers, recently announced the company suffered a data breach. Approximately 143 million U.S. consumers could be affected by unauthorized access that took place from mid-May – July 2017.
Cybercriminals stole information including names, Social Security numbers, birth dates, addresses, and the numbers of some driver’s licenses. They also report that criminals accessed credit card numbers for approximately 209,000 U.S. consumers and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers.
Unfortunately, anyone with a financial or credit history could be affected; however, consumers may not know what personal and financial information Equifax may have. And Equifax will NOT be notifying all potentially affected consumers.
West Bend has posted information about the data breach, along with a series of questions and answers that may help your customers determine what to do. You may wish to refer them to thesilverlining.com to access that information.
West Bend offers identity theft coverage to our Personal Lines Home and Highway® customers. Here are some things you can do to help them.
1. If you can verify your customer has purchased West Bend's Identity Theft Coverage for the Home and Highway policy, please direct them to call Cyber Scout (the provider) toll free at 1-877-432-7463. If you aren't sure your customer has West Bend's coverage, please do not direct them to Cyber Scout (see #4 and #5).
2. You and/or your customers can determine if they have identity theft coverage by reviewing the dec page of the policy. It's listed as Identity Theft Coverage.
3. Coverage includes up to $30,000 of coverage for expenses incurred by an insured as the direct result of an identity theft. Expenses include lost wages if it's necessary to take off work to address issues surrounding the identity theft; costs for notarizing documents, sending information via certified mail, and loan application fees if it is necessary to re-apply for loans when an original loan application is rejected due to incorrect credit info resulting from the identity theft; and reasonable attorney fees.
4. If you cannot verify coverage on a customer's policy, we ask that you call DirectConnect® to verify coverage.
5. If you can verify your customer does not have coverage, please direct that customer to our post on thesilverlinining.com where they can obtain helpful information. You may also suggest the customer add Identity Theft Coverage to their policy.
6. The Claim Free Award is not impacted if there is no actual payment on the claim. Please refer to the coverages for more information.

05/05/2017

Do you plan to buy an older home because it has character or as an investment? In either case, make sure you pay attention to the type of wiring. Nancy Arndt, personal lines senior underwriter, will explain the problems with old wiring.

Many homes that were built before 1950, and go as far back as the 1800s, have what’s known as k**b and tube wiring. K**b and tube wiring consists of porcelain k**bs with old-style wiring that was wrapped around it as it runs through the joists, floor boards, and walls. The wiring consists of one hot wire and one neutral wire and has a thick insulation coating around it.

Problems with this old style of wiring:

Back in those days, wiring was designed to carry very small currents as electricity was used mainly for lighting. Today we use much more electricity with many electronic devices and appliances plugged into outlets. The old k**b and tube wiring isn’t sufficient anymore. It doesn’t adequately supply enough electricity to the home and it can pose a significant fire hazard when overloaded.
It also doesn’t have a ground wire to protect the home and its appliances during a lightning strike.
If rolled or loose-blown insulation has been added to the home, it could be covering the wiring. There must be three inches of space between the live wire and any flammables.
There may have been newly-installed light fixtures or ceiling fans and the newer Romex wiring could be spliced into the k**b and tube wiring. These lines, however, weren’t designed for system additions and all of this could significantly increase the risk of fire.
The wiring could have outdated fuse boxes for main disconnects.
k**b and tube wiring.jpg

(Source: Wikipedia)
https://en.wikipedia.org/wiki/K**b-and-tube_wiring

Be sure to look in the basement and/or attic and check the fuse box in the home. If you plan to buy the home, but see any k**b and tube wiring or an outdated electrical fuse box, you should consider having it updated immediately.

Contact your independent agent to find the right insurance company to insure your home. Many insurance companies have restrictions on this type of electrical system and you could have a problem finding a company that will insure your home.

insulators. Where conductors entered a wiring device such as a lamp or switch, or were pulled into a wall, they were protected by flexible cloth

07/05/2016

I now represent Nationwide Insurance!
Call for a quote and feel what is like to have Nationwide by your side! They have a terrific
Package for Auto, Home, Umbrella and especially Motorcycles.
TV adds during the Cub's games are quite expensive so I resort to Facebook.

05/16/2016

Just a thought.
Always do right - this will gratify some and astonish the rest!

02/06/2016

I now have Nationwide / Allied Insurance Company. We all heard Peyton Manning ' s commercial. " NATIONWIDE and RB TARGET is on your side"
Give us a try! Nothing to loose everything to gain.