Running a business takes courage, hard work, and investment. But for some owners — especially new or small businesses — it can be tempting to skip business insurance to save money. After all, premiums can feel like just another expense. The truth? Operating without business insurance is one of the riskiest decisions a business owner […]
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Owning a small business is one of the most rewarding experiences — you’re building something of your own, serving your community, and chasing a vision. But with that reward comes risk. Unlike large corporations, small businesses often don’t have the financial cushion to absorb major setbacks. One unexpected lawsuit, property loss, or accident could threaten […]
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Running a business is both exciting and risky. You invest in property, staff, equipment, reputation, and future growth — but you also expose yourself to potential pitfalls. Lawsuits, property damage, liability claims, cyberattacks, equipment breakdown — any one of those could seriously hurt your bottom line. That’s where business insurance comes in. It’s not just […]
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What’s Changing in Medicare from 2025 to 2026? Every year, Medicare introduces updates designed to improve affordability, expand access, and simplify coverage for beneficiaries. As we move from 2025 into 2026, there are some especially important changes on the horizon that could significantly impact how seniors and retirees manage their healthcare. At Hanford Insurance, our […]
read moreEvery fall, millions of Americans turning 65 or already enrolled in Medicare face one of the most important times of the year: Medicare Open Enrollment. This annual window is your chance to review, adjust, or change your healthcare coverage for the upcoming year. With 2026 around the corner, there are some important updates and trends […]
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Turning 65 or approaching retirement is an exciting milestone, but it also brings new questions about healthcare. For many, Medicare becomes the foundation of their coverage. While Medicare is designed to provide affordable healthcare for older adults, the choices can be overwhelming. Between Original Medicare, Medicare Advantage, Part D prescription drug plans, and Medicare Supplements, […]
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If you’ve farmed in Illinois long enough, you know the weather isn’t just unpredictable — it’s often unforgiving. From spring thunderstorms to late-summer droughts, the conditions that define the Midwest can change overnight. For farmers in Geneseo, Prophetstown, and across the state, weather is more than a daily concern; it’s the single biggest factor that […]
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Farming is more than a business — it’s a way of life. Across communities like Geneseo, Prophetstown, and the surrounding areas, agriculture is the backbone of families, livelihoods, and local economies. But even the most experienced farmers know that risk is never far away. From unpredictable Midwest weather to equipment breakdowns or liability claims, protecting […]
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Farming is more than a business — it’s a way of life. When you shoulder the soil, nurture crops, raise livestock, and maintain equipment, day in and day out, you’re investing not just time and labor but your very legacy. The right protection matters. That’s where farm insurance comes in — tailored coverage that safeguards […]
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1. Understanding Farm Insurance: What You Should Know Standard farm insurance in Illinois typically covers: Damage to farm buildings—barns, silos, sheds, and your farmhouse—from perils like storms or fire. Protection for farm equipment and machinery, such as tractors, combines, hay rakes, plus tools and even contents of buildings. Liability coverage for accidents or lawsuits—important if […]
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Buying car insurance may seem straightforward, but the process is often more complicated than many drivers realize. With so many providers, coverage options, and terms to compare, it’s easy to make decisions that cost more in the long run or leave you underinsured when it matters most. Whether you’re purchasing your first policy or reviewing […]
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Buying your first home is an exciting milestone. It’s likely one of the largest investments you’ll ever make, and with that comes the responsibility of protecting it. For first-time buyers, homeowners insurance isn’t just a box to check at closing—it’s a safety net that can save you from unexpected financial hardship. Understanding why this coverage […]
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When most people think about home insurance, their minds immediately go to coverage for fires, theft, or liability. While these protections are essential, many homeowners overlook how crucial insurance can be when it comes to weather-related damage. From thunderstorms and hail to floods and freezing winters, weather poses some of the greatest risks to your […]
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When most homeowners think about their insurance, they focus on the basics: coverage for fire, theft, or severe weather damage. While these are essential protections, many people don’t realize there are additional coverage options that can make a big difference when life throws unexpected challenges their way. Overlooking these options can leave dangerous gaps in […]
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As a homeowner, you want to ensure your property is protected from potential risks. Homeowners insurance is designed to provide that protection, but understanding your policy can be a bit overwhelming. The terms, clauses, and coverage details often seem complex, leaving many homeowners unsure of what they’re truly covered for. At Hanford Insurance, we believe that understanding your homeowners insurance policy is just as important as having one.
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Owning a home is one of the most significant investments you will make, and ensuring it is adequately protected is crucial. Whether you reside in the heart of Chicago or the rural charm of places like Geneseo, Port Byron, or Erie, homeowners insurance is a must-have to safeguard your property, assets, and peace of mind. […]
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Car insurance is a necessity for every driver—but that doesn’t mean it has to break the bank. At Hanford Insurance, we understand the importance of protecting your vehicle while also managing your monthly expenses. Fortunately, there are several smart and simple strategies you can use to reduce your auto insurance premium without compromising coverage.
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Car insurance is a necessity for every driver—but that doesn’t mean it has to break the bank. At Hanford Insurance, we understand the importance of protecting your vehicle while also managing your monthly expenses. Fortunately, there are several smart and simple strategies you can use to reduce your auto insurance premium without compromising coverage.
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Auto insurance isn’t just about meeting state requirements or protecting your vehicle—it’s about making sure you’re financially covered in the moments that matter.
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Choosing car insurance might seem like just another item on the to-do list, but in Illinois, where driving is essential for getting around, it can be one of the most important financial decisions you make.
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