Monthly Archives: April 2021

Do You Need Home Insurance?

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You have purchased a home but have you obtained a home insurance policy yet and do you need it? Whether you owe money to a lender for the purchase of your home or your home is paid in full, you need home insurance. The agents at the Saucon Insurance Agency in Bethlehem, PA understand the reasons you need to have a home insurance policy in place.

What Does Home Insurance Cover?

A home insurance policy is one of the main ways you can protect your investment in your home. This type of insurance policy will help replace or repair your home if it is damaged or destroyed by a natural disaster, vandalism, or a fire. Your home insurance policy will cover the structure of your house and can cover the surrounding structures on your property, including your garage and deck.

Your home insurance policy will also cover all of your personal belongings, furniture, appliances, and other household items. It will also replace some of these items if you and your home become a victim of a burglary or theft incident. Your home insurance policy also provides liability insurance which can help you out if a visitor to your home has an accident while they are there and is injured. Your home insurance will help pay their medical bills and lost wages.

If you do not have a home insurance policy in place and a tragic event occurs, you could lose your home and everything else you own so to be on the safe side and for your peace of mind, you should obtain a home insurance policy as soon as possible. Our agents at the Saucon Insurance Agency in Bethlehem, PA are ready to get your party started so call for an appointment and quote today!

Will Auto Insurance Cover Natural Disasters?

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Cars are subject to much of the same hazards as homes. When a storm hits, your main concern may be your house in Bethlehem, PA, but your car is in just as much danger. So if you buy a policy through Saucon Insurance Agency, is your car going to be covered?

Yes, If You Have Comprehensive Insurance

The minimum legal mandate says that drivers need to carry liability insurance. This means that if you are found to be at fault in an accident, you can cover the other party’s losses through your insurance.

But you are not required to carry comprehensive and collision. So if you want to make sure that you’re covered from storms, falling trees, and other random acts of nature, you’ll want to make sure that you have full coverage.

Collision will cover your losses in the event of a collision. But the keyword there is collision. If someone vandalizes your car, if it’s stolen, or if a boulder rolls down the hill and lands on it, collision won’t do you much good. That’s what comprehensive is for.

The short answer to any question of whether something is covered: Yes, if…

Almost anything that you can legally own, you can legally insure. You just need to read your policy over to find out.

If you have any questions or if you’re looking to get covered in Bethlehem, PA, get in touch with Saucon Insurance Agency and see what they can do for you. Saucon Insurance Agency can provide Bethlehem PA drivers with a good deal on a great policy so that they can drive safely, knowing that they’re covered against everything from head-on collisions to falling branches.