Schatz & Associates Insurance Blog

All You Ever Wanted to Know About Insurance

Hard Decisions: Helping A Senior With Their Finances After A Loss

Photo via Pixabay by Silviarita When a senior loved one loses someone they’re close to -- a partner or spouse, for instance -- it can be difficult for them to make important financial decisions that will impact their...

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Twelve Days of Christmas Safety

With neighbors vying to take home the title of "Best Display" in the -- official and unofficial -- house decorating competitions in communities across the nation and families preparing inventive holiday meals and a few...

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Avoid Common Heating Mistakes This Winter

‘Tis the season for tossing logs into the fireplace or cranking up the furnace. While winter hasn’t officially arrived, it’s close! Heating your home during the winter months can be costly. One of the most relied upon...

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Buying your Family Home

There are plenty of elements to consider when making the decision to buy a home, but those considerations shift slightly if a buyer wants to begin a family in the house. After all, parents with young kids have different...

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Why You Should Be Thinking Ahead About the Costs of Alzheimer’s Care

Why You Should Be Thinking Ahead About the Costs of Alzheimer’s Care We never want to think of ourselves or a loved one being diagnosed with Alzheimer’s disease. However, the fact is that over 5 million Americans are...

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Halloween Safety Tips

Kids love the magic of Halloween: Trick-or-treating, classroom parties and trips to a neighborhood haunted house. But for moms and dads, often there is a fine line between Halloween fun and safety concerns,...

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Staying Safe On Your Motorcycle

Riding a motorcycle can be a ton of fun but it can also be quite risky if you aren't very aware of the dangers on the road. Whether you are new to riding or a seasoned veteran it never hurts to refresh yourself on some...

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Keep your chimney in shape by having it inspected

It's officially fall! Do you love this time of year? Kids are back in school, the leaves are changing colors, and the weather is hopefully a bit more bearable. Cooler days are followed by chilly nights though. Does your...

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If Mother Nature knocks over a tree in your yard, do you have insurance coverage?

Hurricane season has started. Although we at Schatz Insurance are in the midwest, this time of year still has us thinking about storms, safety, damages, and cleanup. The safety of you and your family is most important,...

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Everything You Need to Know About Planning and Paying for Long-Term Care

Research suggests that the majority of adults over the age of 65 in the United States will need long-term care at some point in their golden years, so it's best to start planning now - especially considering the...

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9 Tips To Start The School Year Off Right

Around the country school is starting. This can be a stressful time of year for students, parents and teachers. You can help minimize stress and ease everyone back into their daily routine by following a few easy...

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Protect Yourself! Get A Daschcam

This week's blog post is actually just a quick video from YouTube. It goes over some reasons you may want to get a dash cam and some tips on selecting one for yourself. Basically, dash cams have reached a price point...

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Protect Your Home From Theft This Summer

Are you planning on taking a trip this summer? For many families, summer vacation is the ideal time to take a trip. Whether you are gone for a long weekend or a couple of weeks, your home is vulnerable while you are...

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Tips to save you money on utility bills this summer

So summer is in full swing. If the heat wasn't an obvious sign, some of you may have noticed based on your bills. With summer started,...

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Living Well With Dogs and Cats

In the insurance industry we deal with new home buyers a lot. When people get a new home they often shop for new insurance as well. Finding the best coverage for your new property is a great idea, but home buying is...

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Insurance Tips For New College Graduates

You may be prepping for finals, but graduation is right around the corner. Work hard and keep it up. Once you are done with your papers and exams and you have your diploma in hand it may be time to start thinking about...

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Spring Driving Safety Tips

Spring is here and the weather is finally starting to get nice. While the warmth is a welcome change it does present some dangers, especially to drivers. Melting snow can reveal potholes, heavy rains can start quickly...

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Sump Pump Spring Tips

Spring is coming quickly! If you are a homeowner or renting a home you should be checking on your sump pump. For those of you who don't know, a sump pump is a small appliance installed in a basement or crawlspace. A...

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Snow Blower Safety Tips

It's been a very mild winter for Lake County Illinois so far, but that doesn't mean we won't see snow. Snowblowers can be a great alternative to shoveling. A good snowblower can save time, energy, and frustration which...

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When Should You Review Your Insurance Policy?

If you are like most people, you probably don't look at your insurance policy too often. Insurance is just that thing you have to have. Insurance isn't something that you really want, and that shows. The average person...

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Wire Grill Brush Safety Tips

Just checking in with a quick blog post from our friends at West Bend Mutual Insurance. This blog post covers some safety tips for using a wire brush to clean your grill. We are coming into Labor Day weekend and a lot...

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Using Our Clickable Coverage Feature

If you're anything like me, you love to be prepared. Whether I am looking to buy a car, get a home insurance quote, or comparing lawn mowers I want to be as informed as I can be. Getting the most out of my purchase,...

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Do I Need Auto Insurance If I Don't Own A Car?

It seems like a lot of young people these days don't own their own cars. Public transportation, car-pooling, and ride sharing are becoming more popular and accessible every day. With these options available to potential...

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Are you ignoring life insurance?

For a lot of young people today, life insurance is the last thing on their minds. Some people probably feel like they don't have time to research life insurance while balancing work and a social life. Other people may...

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Tax Season and Identity Theft: What You Need to Know

Unless you get an extension, taxes are due on April 18th. April 15th is usually the date people think of, but this year April 15th is on a Saturday. Taxes aren't due on a weekend so normally this would make Monday April...

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Insuring Personal Property

With today being Valentine's Day, lots of couples are buying each other expensive gifts. Jewelry is the biggest one, in fact in 2016 people spent almost 20 billion dollars on Valentine's Day. Did you know that most...

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5 Ways to Keep Your Teen Driver Safe

According to the National Highway Traffic Safety Administration traffic deaths are up 10 percent in the first half of 2016. With distractions like smart phones and tablets teens are facing a lot of risks while on the...

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How to Deal With Road Rage

Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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Fire Pit Safety Tips

This is an older post from Scott Stueber @ West Bend, but with summer here once again I figure it is still relevant. If you are going to have a campfire please do it safely. Check out these tips to protect yourself. ...

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Summer Driving More Dangerous For Teens

Summer is officially here! Unfortunately, for teen drivers, this is the deadliest time of year. More teens are now on the road going to their summer jobs, visiting friends, and travelling to summer attractions. This...

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Are you covered in a hit and run accident?

Have you ever come out of a store or restaurant and noticed your car has a new look? No, I’m not talking about your spouse or significant other surprising you with a new car. I’m referring to a large dent or scratch...

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Best Life Jackets for Dogs

It's April 1st and most people don't take the news seriously today, and we had some great weather this week. That got me thinking a light fluff blog post would be nice. It's not as important as preparing for a storm or...

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Was your home flooded? Here are some tips to safely clean it

With winter's end and the beginning of spring, melting snow and increased rain can cause flooding. Be prepared for a flood by checking out this article from Scott Stueber of West Bend.As our weather patterns change and...

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15 Home Child-Proofing Tips for Parents and Grandparents

It has been awhile since I have had to think about childproofing my home; however, as my younger cousins begin having children, and friends become grandparents, I thought it would be an interesting topic to research....

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10 Things To Know About Seasonal Risks

Christmas accounted for the least number of vehicle thefts – 1,225 – in 2014 out of the top 10 holidays ranked by the number of stolen vehicles, according to the Insurance Information Institute. New Year’s day had the...

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9 Steps to Gym Safety

his post was authored by Elizabeth Crim, an On-site Early Intervention Specialist with ATI Worksite Solutions in Indianapolis. Before your workout: Be sure you are well hydrated. Drink 17-20 oz. of water or a sports...

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Safety Around Animals

Safety Around Animals - This article pertains to safety around domestic animals like dogs or cats. Do you work in a field like horse stables, petting zoos, sleigh rides, horse riding, or childrens discovery farms? You...

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10 Firearm Safety Tips

Do you own a hunting club, archery range, rifle/pistol range, trap, skeet or sporting clay course? Schatz and Associates now offers insurance for your business or organization. Go to www.ischatz.net or contact Patrick...

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Safety Tips For Working In Hot Weather

As summer approaches and the days get longer, the dangers of working outside during hot weather also increases. Knowing how to work safely in hot weather can help prevent heat stress injuries and heat stroke....

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Keys to Boating Safety

Summer is coming fast. With warm weather comes fun times at the beach and on the boat. Brush up on your boating safety knowledge with these tips from Society Insurance. 1. Wear a Life Jacket So, why is wearing a life...

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Motorcycle Safety Tips

Riding a motorcycle can be a lot of fun, but it's important to learn good habits so you can do it safely. It may sound like a great idea to just jump on a bike and go cruising, but if you don't know what you're doing...

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Auto Coverage Gaps for Children Who Don't Live at Home

Parents often want to continue to help their grown children by providing them with a vehicle and/or insurance coverage even after that child has permanently moved out of the household and is no longer a dependent....

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Three Tips For Construction Season

Nothing puts a damper on a family outing quite like stop-and-go traffic. Budding excitement and anticipation all but disappear when orange "Road Construction" signs and flashing arrows indicate changing traffic patterns...

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Distracted Driving: Staying Safe on the Road [Infographic]


How Long Can You Wait to File a Homeowner's Insurance Claim?

How long can an insured wait to file a homeowner's claim with the insurance company? This question is not asked often, but it can have serious financial consequences if you don't understand the implications of timely...

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Spring Home Maintenance

When springtime rolls around in Illinois, almost everyone thinks of cleaning. That’s fine (we probably all need to do a little more of that, after all), but there’s something even more important to keep in mind: home...

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What Every Single Parent Should Know About Life Insurance

There is no denying that it is difficult being a single parent. Though it can be highly rewarding, juggling work, child-rearing, bill-paying and other responsibilities can sometimes be overwhelming. If you...

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6 Reasons You May Get Turned Down for Life Insurance

The most common reason that people get declined for life insurance coverage is because they have a specific health condition, but it isn't the only reason. I'd like to cover the top ones and let you know what your...

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Questions Expecting Moms Have About Life Insurance

If you are expecting a child and are considering life insurance, the first thing I have to say is-smart move! But if this is your first time looking for coverage, you may have questions. Here are some typical ones I've...

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Primary, Supplemental, and Secondary Insurance

You may already know this, but you are entitled to have health insurance coverage under more than one plan. In fact, you are entitled to have a healthcare plan with more than one insurance company. When you have more...

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Tips For First Time Home Owners

Most people look forward to owning their own home one day. However, many people do not realize that a lot of work goes into being a homeowner. Fortunately, there are several things that you can do to make it easier to...

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How Do I Report My Health Insurance on My Tax Return?

If you believe the headlines, sorting out the Affordable Care Act (commonly referred to as "Obamacare") is going to be the single worst moment of your 2015 tax filing season. That might be true for some taxpayers. But...

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5 Holiday Safety Tips

With the Christmas decorations all set up and the excitement of the holidays in the air, it's easy to forget about safety precautions and careful behavior -- but knowing how to stay safe is just as important now as it...

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Holiday Health and Safety Tips

The holidays are a great opportunity to enjoy time with family and friends, celebrate life, to be grateful, and reflect on what's important. They are also a time to appreciate the gift of health. Here are some holiday...

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The True Cost of Long Term Care

Paying for long-term care can have a major financial impact on families. It's a big reason why each year more than 65 million Americans provide long-term care to an adult family member. Yet the costs to those family...

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Life Insurance: What to Consider as a Business Owner

Bob Stein runs a knockout business as a co-owner of two LA Boxing gyms in Marlboro and Shrewsbury, N.J. But on a personal level, he knows the company could be faced with a one-two punch if anything happened to him or to...

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Tips For Hosting And Enjoying Thanksgiving

Thanksgiving is an American holiday that dates back to 1621. During that year, the pilgrims experienced many difficulties; however, after a successful harvest, they celebrated by giving thanks for what they received....

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10 Situations When You Might Need An Emergency Fund

Everyone knows the little rules of life that reduce the risk of costly mistakes, like driving slowly in the rain or not leaving candles burning. But it's the rare what-ifs that might prompt you to dip into your...

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10 Reasons to Consider Life Insurance

We asked insurance professionals on our LinkedIn page and group to share their best tip on life insurance and getting coverage, and here is some of the great advice we got: 1. Start young. Just because you don't have a...

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Life Insurance at 23

Everyone's situation is different. - Mine began recently with a bunch of firsts: my first job; my first apartment; my first life insurance policy. I am now a 23-year-old single individual, with no dependents, with some...

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Infant Safety: Preventing Accidents

- Accidents - Most newborn accidents in the home involve falls. Be sure that your baby is not left alone on high surfaces unless proper barriers are in place to prevent your baby from rolling off. The safest place...

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Choosing a Life Insurance Rider: 5 Great Options

A life insurance rider covers an additional risk that is not covered in your primary policy. Not every policy holder will need to purchase a rider. The rider coverage is needed by an individual with unique risks. For...

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Insuring the Times of Your Life

Preston Newby was a youth minister. He and his wife, Tara, were driving with their son to visit family-excited to announce a new baby on the way. In the keeping with the kind of person Preston was, he stopped to help...

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Five tips to deal with wasps

At this time of year, many of us in the Midwest are soaking up the sun and enjoying the few nice days we have left. Football games, homecoming parades, visiting pumpkin farms and harvest festivals are a few ways we...

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Life Insurance Stories

Life insurance is a simple answer to a very difficult question: How will my family manage financially when I die? - It's a subject no one really wants to think about. But if someone depends on you financially, it's one...

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Are Your Tax Bills Rising? Life Insurance May Be The Answer

Do you have mutual funds? Many of us do, so this is certainly a heads up: Mutual fund investors’ tax bills have been on the rise again recently.The average capital gains distribution (a payment to shareholders of...

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Can You Spot A Government Impostor?

Your caller ID says "FTC" or "IRS," and the phone number has the "202" Washington, DC area code. You might even look the number up and see that it's a real government phone number. But the person calling isn't really...

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Top 5 Fire Safe Metros in the Midwest

Homeowners in certain areas are just more conscientious about fire-safety than others. We've ranked the Midwest region's biggest metros by their residential fire risk, preparedness and response time to fires. From...

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Time for a Home System Check? Pt. 2

We fill our homes with gadgets and systems to make life easier and safer. Some are conveniences. Some are necessities. All add to our quality of life. But they also need attention and maintenance so that they don't...

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Time for a Home System Check?

Did you hear that? Whether you’re a newlywed in a century-old Tudor or a retiree in a new condo, you’re subject to the sound of that thing that goes bump in the night. You only wish it was just a goblin. Is that the...

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Protect Yourself from Auto Theft and Fraud

There's nothing I like better during the heat of summer than a trip to the beach or the lake to cool off. But it's tough to take that weekend trip if car thieves have struck and left your driveway empty. Before you...

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Life Insurance for Seniors

If you search for life insurance for seniors or just "life insurance" and include qualifiers that include words like "senior", "over 65", "mature", "elder" or "retired", you will likely be given multiple selections for...

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Uninsured Young Renters: Nationwide Survey

Uninsured Young Renters: Nationwide Survey - When my parents were first married, they were uninsured young renters living in a small, one-bedroom basement apartment in the suburbs. It was their first apartment together...

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Putting your Health First

While Marketplace health coverage is important, there's no substitute for living a healthy lifestyle. Staying healthy increases the chances you'll be there for your family and friends for many years to come. Use your...

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Identity Theft

There's been much coverage in the media recently about identity theft operations targeting innocent consumers all over the world. You've probably seen or heard about it. Maybe you've even been a victim. There's no...

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Fall Tornadoes

Fall Tornadoes: Is this normal? - During the last few years tornadoes have occurred in the Midwest in November and even some in January. The most recent tornado in Illinois is just another example of how Mother...

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Deer on the road

For those of us who live in the Midwest, fall is a great time of year. Football has returned, the temperatures are comfortable, and watching the leaves change colors is enjoyable. Unfortunately, this is also the peak...

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Landlord Insurance and Rental Coverage

You may know that we offer homeowner's insurance, but did you also know that we offer coverage for lanlords and rental properties. We work with Foremost, a company that provides both personal and business insurance, to...

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Long Term Care Insurance

Someone with a prolonged physical illness, a disability or a cognitive impairment (i.e. Alzheimer's disease) often needs long-term care. Long-term care is different from traditional medical care. Long-term care helps...

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Tips to Prevent Water Damage

Thank you West Bend Mutual for providing tips for preventing water damage! Think about how many hours you are away from your home. Whether it is going to work everyday, a weekend getaway, or a family vacation, many of...

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Water Backup

Did you know that water backup damage is one of the most common causes of loss for homeowners? There is an optional endorsement that can be added to a policy to ensure that waterback up is covered. A typical homeowners...

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Wedding Protection Plan from Travelers Insurance

Couples look forward to having their wedding day memories preserved forever through photography and video, but according to an analysis of our 2012 wedding insurance claims 58 percent of all wedding claims related to...

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Car Seat Safety

Did you know that 80% off car seats on the road today are installed incorrectly? A properly installed car seat can save the life of your child in an accident. How can you tell if yours is installed correctly? Take your...

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Winter driving tips!

Some winter driving tips..... • Identify what type of braking system is equipped on your car. ABS brakes require that you press firmly on the brake pedal and not let off in slippery conditions (rain or snow). They...

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Quoting Health Insurance Online

Did you know that you can use our website to get a quote on health insurance? We have links to our health insurance providers that allow you to enter your own information and get a quote. As always, we are there to...

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Why is flood insurance important?

Since standard home insurance doesn't cover flooding, it's important to have protection from floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S. In 1968, Congress...

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A clean chimney can save your home and family!

A clean chimney can save your home and your family! - Posted by Scott Stueber on Mon, Oct 01, 2012 As the temperatures drop and colder seasons approach, many of us enjoy sitting by a cozy fire with our family and...

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Understanding Liability Limits

The liability limits on your auto policy covers bodily injury that you are/would be legally liable for in a court of law. One common way to see your limts listed on your policy is 100/300 BI 100PD or 100/300/100. This...

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Personal Lines

While we write about our coverage for businesses often, don't forget we offer excellent coverage for personal lines too! We represent some of the best companies in the industry; Progressive, Travelers, West Bend Mutual,...

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West Bend Coverage for College Students

A typical student can bring a variety of personal items to college including a TV, laptop, microwave, and refrigerator. According to the Insurance Information Institute (III), most families will be pleasantly...

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Cell Phones and Driving

One of our companies, QBE, recently sent out a newsletter about driving and cell phones. The laws are changing and it's important to be aware of differences in cell phone laws not only from state to state, but from town...

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Health Insurance

You may know that we offer auto, home, and special event coverage, but did you know that we also offer health and life insurance? Health insurance is one of those things that can be really confusing to understand, but...

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Special Event Coverage

Labor Day has come and gone, which means fall is here. Although it's shaping up to be a warm fall for us here in Northern IL so far, cooler weather must be around the corner! Nothing goes with cool weather and crisp...

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School's in Session!

School is back in session for most people around the country this week! I cannot believe how quickly the summer flew by! The weather seems to be getting cooler and the morning and late afternoon traffic are much heavier...

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Fun times in Wisconsin!

Last week I was lucky enough to spend some time at West Bend Mutual in Wisconsin. I was taking a class there and my stay was extended with an invite to the Brewers Game. Not only was the class information useful, but...

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Boat Coverage

Many of us spend our warm summer weekends and holidays on the boat. I used to love spending days on the water with friends and family. My favorite thing to do was get a group of friends together and spend an afternoon...

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Motorcycle Insurance

Did you know that the biggest motorcycle event of the season is approaching? The Sturgis Motorcycle Rally will be held in South Dakota for 10 days! One of our carriers, Safeco, will be attending to showcase their...

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Wedding Insurance

It's hard to believe it's already the end of July and that summer is almost over! Summer is always a busy season for weddings and this year was no exception. Anyone who has planned a wedding, or been around a bride who'...

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Welcome to Schatz & Associates Insurance!

Welcome to Schatz & Associate's blog! We are an idependent insurance agency located in Lake Villa, IL, offering personal (car, auto, boat, motorcycle, RV) and commercial insurance. We represent various carriers and...

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