Ark Rusak Agency- Farmers Insurance

One of the biggest myths I see with home insurance:

‘There’s no way I could sell my home for that amount.’

Your insurance coverage isn’t based on your home’s market value—it’s based on what it would cost to rebuild it from the ground up.

Those are two very different numbers.

Sharing this as a reminder of how quickly life can change. Apartment fires don’t just damage buildings—they displace families, destroy personal belongings, and create unexpected financial stress overnight.

One thing I hear all the time is, “I don’t need renters insurance.” But situations like this are exactly why it matters. When the unexpected happens, having coverage can make a huge difference—helping with temporary housing, replacing belongings, and getting back on your feet.

It’s easy to overlook, until it’s not. Worth taking a few minutes to look into if you don’t already have it.

At least six people were injured after a fire erupted at an apartment building in Des Plaines early Wednesday morning.

Read more: https://wgntv.com/news/chicago-news/5-injured-in-early-morning-apartment-fire-in-des-plaines/

Talked with a homeowner recently who assumed their policy would fully cover a rebuild…

After reviewing it, we found a pretty big gap due to increased construction costs.

Luckily we caught it before anything happened.

If you’ve never had your policy reviewed (or it’s been a few years), it’s worth a quick check.

Be honest—do you actually know what your insurance covers? 😅

Most people don’t… and that’s completely normal.

If you’ve ever had questions but didn’t want to deal with calling a 1-800 number, feel free to message me anytime.

⛈️ After the Recent Hail Storm – A Quick Reminder for Homeowners

With the latest hail storm moving through our area, it’s a good time to review your homeowners insurance policy or contact your agent before filing a claim to make sure you fully understand your coverage and deductible.

Unfortunately, after major storms there are often contractors who go door-to-door looking for work. While some may be legitimate, others may be “storm chasers.” Be cautious and take the time to do your research before agreeing to any inspections or repairs.

✔️ Review your policy and deductible
✔️ Talk with your insurance agent if you have questions
✔️ Verify licenses, reviews, and references before hiring a contractor

If you have questions about your coverage or need help reviewing your policy, feel free to reach out to our office. We’re happy to help guide you through the process and make sure you have the information you need.

312-492-6588

Stay safe!

GAME DAY CONTEST – WIN A $100 GIFT CARD! 🏈

Guess the winning team AND the exact final score for the Packers vs Bears game.

🎁 Prize: $100 Gift Card

📌 Rules:

• One pick per person only

• No duplicate scores (first comment counts)

• Must guess team + exact score

• Entries close at kickoff

• Edited or multiple comments = disqualified

• Winner announced after the game

• 1 winner

• 21+ only | Gift card picked up at the office.

Comment like this �Bears 30 – Packers 24

Good luck!

Please note our adjusted office hours for the upcoming holidays. See the schedule in the graphic below.

Wishing everyone a safe and happy holiday season!

Happy International Dog Day!!! Comment with a pic of your dog

👍Live in Illinois, Michigan, Indiana, Wisconsin, Ohio, Tennessee, or Minnesota..
⭐ Wanna become a policy holder of the Ark Rusak Insurance Agency- 🙋‍♂️🙋‍♀️
📞 call 312-492-6588, Private message or text us 🗨
🙂We would ❤ the opportunity to earn your business 👍

Severe Thunderstorm Winds Tear Roof Off Condominium Building on Huntington Commons Rd in Mount Prospect

If you serve on the board of a condominium association, this is a powerful reminder of the importance of regular roof inspections. Proactive maintenance can help prevent damage and protect residents from potentially dangerous situations.