Monthly Archives: January 2019

Umbrella Insurance for Homeowners: Is It Necessary?

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We at Saucon Insurance Agency have worked with Bethlehem, PA residents for years to help them find great umbrella insurance options. But many of our clients ask us if this type of policy is necessary for their home. While perhaps not a strict necessity, umbrella insurance is a good option for many people.

Understanding Umbrella Insurance

Umbrella insurance is a type of extra liability coverage that goes into effect when your initial home insurance policy is maxed out or if it doesn’t cover a specific problem. For example, if somebody is injured at your home and sues you for $50,000 and your policy only covers $20,000, umbrella insurance pays the rest.

The exact range of coverage will vary depending on the policy a person purchases. However, this type of coverage is a nice buffer for people who are at high risk of being sued. While some individuals won’t need it, others will benefit greatly from umbrella coverage.

Is It Necessary?

Umbrella insurance might seem like a luxury that most people either don’t need or simply can’t afford. However, there are many reasons individuals who will find this coverage a good choice. Typically, umbrella insurance is good for people who:

  • Hold regular parties with many people
  • Invite friends over for extended periods
  • Take care of people on their property
  • Frequently house outside family members
  • Have home businesses to manage

These individuals will find the extra liability coverage provided by umbrella insurance very beneficial for their pocketbook. Many are likely to find that this increased coverage comes in handy when somebody gets injured unexpectedly on their property.

Finding a Policy You Can Afford

As you can see, Bethlehem, PA umbrella insurance provides benefits that may be worth the extra cost. So please don’t hesitate to contact us at Saucon Insurance Agency to learn more about your options and to research your possible umbrella insurance choices.

Get Insured Before Making Your Motorcycle Road Trip

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So, you love riding motorcycles? The sensation of the wind in your face is unbeatable, right?

Well, before you plan your next long-distance road trip, whether within PA or to another state, be sure to make arrangements to protect your financial well-being.

Too many cyclists fail to purchase adequate motorcycle insurance and then find themselves having to pay out-of-pocket expenses beyond their means. Accidents always happen when people least expect them.

Following are some of the top types of insurance coverage cyclists tend to like best. And, if you are interested in knowing more about specific rates, contact Saucon Insurance Agency, serving Bethlehem PA, for more information.

Basic Liability

This level of coverage is the minimum allowed.

In general, you can use basic liability insurance to handle costs arising from accidents in which you are at fault. Without liability coverage, you could face serious financial and legal problems.

Collision Insurance

Running into another vehicle is a constant concern for cyclists. In some cases, you may even need to purchase a new motorcycle, or other transport, for yourself or another party. Having collision insurance to help is essential.

Uninsured Driver Policy

Well, unfortunately, you cannot always assume everyone else on the road is fully insured.

Some motorists take the chance of driving without any coverage at all. If they cause an accident with your motorcycle, then you will need some additional insurance to pay for the damages.

Likewise, other drivers have only basic liability insurance, which, given the rising costs of repairs, can often fall short of the amount needed.

Get Informed Advice Today

Never take an extended motorcycle road trip without first speaking with an insurance agent.

For specific rate information, the professionals at Saucon Insurance Agency, serving Bethlehem, PA, have got you covered. Visit the website today or give a call.