Monthly Archives: November 2016

What to Watch Out for When Purchasing Auto Insurance

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When purchasing an auto insurance policy, there are a few things you should want to focus on looking out for. You likely already know some basic steps to take but you may not know what you should avoid doing. Use these tips from Saucon Insurance Agency, serving Bethlehem, PA, when you are looking for your next auto insurance policy.

  • Always make sure minimum state requirements are met. In Pennsylvania, there are minimum requirements set that you must have if you own and operate a vehicle. For bodily injury liability, you must have at least $15,000 per person. There is a limit of $30,000. For property damage liability, you must have $5,000 worth of coverage. You must also have $5,000 worth of first party benefits (PIP).
  • Make sure the company has great customer service. When you are making a decision on an auto insurance policy, you should also be making a decision on the company. Customer service goes a long way and if your cost for the insurance is just a little bit more per month with a great company, then it will be well worth it. 
  • Make sure all of your coverage options are in the policy and there are no gaps. Before you sign up, you will need to ask for a copy of the policy coverage to ensure everything is there that you are wanting. 
  • Ask for discounts. It never hurts to ask for discounts for things such as affiliations, safe driver, good student, and more. Ask about these things before you sign up for a cost. You never know how much you can save with one or two discounts that you are eligible for. 

Contact us at Saucon Insurance Agency, serving Bethlehem, PA, today and we will be happy to help you get quotes for auto insurance or even take a look at your current policy to ensure there are no gaps in coverage.

How Much Home Insurance Should I Buy?

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Home insurance should fit your home and your lifestyle. Buy too much and you’ll be throwing money away each month. Buy too little and you won’t be covered in the event something happens. For that reason it’s necessary to do a thorough inventory that takes into account the following:

The Structure of Your Home

Estimate the cost of rebuilding your home by determining local construction costs, the home’s square footage, and the style and type of materials your home is built from.  

Personal Possessions

Policies typically provide coverage for personal possessions that’s equal to between 50% and 70% of the value of the home. If you have valuable possessions such as artwork, jewelry, antiques, etc., you may need to secure additional endorsements to cover these items. Remember, when calculating possessions it’s important to insure them for their replacement cost, not their intrinsic value.

Liability to Others

Always make sure you are covered against lawsuits for bodily injury or property damage. This is especially important if you have features such as swimming pools, ponds, potentially dangerous pets such as dogs,  or other attractive nuisances. Generally speaking, it’s a good idea to carry $300,000 to $500,000 in coverage if any of these are present on the property.

Relocation Expenses

Consider the cost of relocating to a hotel or temporary home if a fire, flood, or other event makes the home uninhabitable. When calculating how much you will need, estimate your daily living expenses + the cost of area hotels or housing and any additional transportation expenses a temporary move would require. 

Homeowners in Bethlehem, PA should carry enough homeowner’s insurance to protect them from potential accidents or damage. Saucon Insurance Agency can help determine the appropriate level of coverage and any endorsements that are advisable.