Category Archives: PERSONAL INSURANCE

personal insurance

Does your health suffer from sitting at a desk all day?

After a recent back injury while snow shoveling (imagine that!) I began to re-evaluate my everyday tasks with an eye for maintaining better health as I age.  I was seeing a chiropractor who had some helpful advice- being a 46 year old male who has historically been pretty healthy I was humbled by this injury … Continue reading Does your health suffer from sitting at a desk all day?

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Prevent Damage to your Home/Building this winter

As we move into cold winter weather, here are a few tips to help prevent damage to your home or building: Maintain adequate heat to avoid frozen pipes. Be especially careful with any pipes in exposed areas of your home like crawlspaces. Know where your water shutoff valve is and that it is functioning correctly. … Continue reading Prevent Damage to your Home/Building this winter

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Warning State Farm Home Insurance Customers in Pennsylvania!

Do you have State Farm for your home insurance in Pennsylvania or know anyone who does? You may be unaware of a sneaky change they are making to your home insurance policy on the renewal unless you look closely! They are increasing your deductible to 1.5% of your dwelling coverage, and offering the option to … Continue reading Warning State Farm Home Insurance Customers in Pennsylvania!

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Should I file a small property insurance claim?

We consider it an important part of our role as our insureds agent to guide them through the claims process should they ever be in that situation.  A little guidance early in the process can make a world of difference in the outcome for our clients. When our agency gets a call about a possible … Continue reading Should I file a small property insurance claim?

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Dog Bites: Insurance company’s bark as bad as the bite?

According to the Insurance Information Institute- dog bite claims nationwide accounted for more than 1/3 of home insurance liability claims in 2013 with an average cost of almost $28,000.  Pennsylvania ranks 5th in the nation with 909 dog bite claims averaging over $29,000 each and a total impact of $26.4 million.  Most homeowners, renters, and … Continue reading Dog Bites: Insurance company’s bark as bad as the bite?

Posted in CLAIMS, HOME INSURANCE, LIABILITY CLAIMS, Uncategorized | Leave a comment

Being a Landlord

Renting your home to others can be a smart financial decision, but make sure to consider the insurance ramifications and liability issues involved. If you live in a home and then rent it to others, you will need to replace your homeowners policy with a Dwelling Fire policy (Landlord policy).  This addresses the difference in … Continue reading Being a Landlord

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Yard Work Safety

Let’s Keep Our Lawns – and Ourselves – Safe in Pennsylvania For many of our neighbors in Bucks, Montgomery, and other counties- summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated … Continue reading Yard Work Safety

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Boating Season is here!

For the Northeast section of the country the recreational boating season is here!  While taking time to get your boat ready, please take time to review the insurance with one of our agency professionals to make sure you have the coverage you need and want. We have several companies that offer boat and personal watercraft … Continue reading Boating Season is here!

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Smartphone-enabled Ridesharing??

A friend shared an article with me about technology bringing people together for what is described as “carpooling” or “ridesharing” in urban areas.  This article is primarily focused on government regulation, but there is an important insurance aspect to examine:  business use of a vehicle insured on a personal auto policy. These services market as … Continue reading Smartphone-enabled Ridesharing??

Posted in AUTO CLAIMS, AUTO INSURANCE, INSURANCE FRAUD | 1 Comment

Top 5 Myths of Motorcycle Insurance

Myth: I only need state minimum coverage, if I crash I won’t cause a lot of damage with a motorcycle. Fact:  Just because your motorcycle may not do a lot of damage if it hits something doesn’t mean that you won’t cause an accident that causes a tremendous amount of damage.  Don’t be pennywise and … Continue reading Top 5 Myths of Motorcycle Insurance

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