The Hosto Blog

our resource for anyone looking to purchase insurance

small wooden block houses next to a downwards green arrow

Is there a way to lower the cost of homeowners insurance?

Homeowners insurance is par for the course if you want to protect your investment. However, even though it’s an unavoidable expense, there are ways to lower the cost of homeowners insurance. Here are some effective ways to reduce this bill. Increase the deductible Your insurance deductible is what you pay out of pocket for every

Read More »
Man and wife sitting on floor of new home next to unpacked boxes

What is not covered by homeowners insurance?

You’ve just made the biggest financial decision of your early adulthood. You kept track of your credit score properly and found a lender. You sacrificed morning lattes and extra guacamole to save up for a down payment. You’ve signed a tome of paperwork and are officially a homeowner. There is so much to learn. You

Read More »
tiny red house with red umbrella sitting on top of coin stacks

What is the standard deductible for homeowners insurance claims?

A homeowners insurance claims standard deductible is the amount the homeowners have to pay before the insurance pays for the rest of the damage. Generally, a low deductible means high premiums, and a high deductible means relatively lower premiums.  The deductible is separate from the premium. The premium is the amount paid to purchase insurance.

Read More »
Man stacking coins next to a miniature house

When should I get homeowner’s insurance?

Thinking about buying a home and wondering “when should I get homeowners insurance?”. Homeowner’s insurance is a critical piece of the pie for any homeowner. It is usually required if you are in the process of paying off your home. Much like medical insurance or vehicle insurance, it covers damages that the average person would

Read More »
car insurance cover

What Will Car Insurance Cover?

If you are shopping for auto insurance, you may be wondering: “what will car insurance cover?’ A car insurance policy is made up of different coverages, some of which are required by law in Illinois. Others are optional but you may wish to include them to ensure you are protected against any accidents. Illinois is

Read More »
getting car insurance

What Should I Know Before Getting Car Insurance?

Car insurance can be confusing, even for people who have had it for a long time. The most important thing to do before getting car insurance is to understand the different types of coverage available and how much that coverage will cost. Once armed with the correct information, it is much easier to make decisions

Read More »
Scroll to Top

Get An Insurance Quote

Select an Option Below Or Give Us A Call At (618) 779-5808