Author Archives: AgentInsure

Common Misconceptions About Flood Insurance Pennsylvania Residents Should Avoid

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Saucon Insurance Agency assists the Bethlehem, PA community through providing residents access to multiple types of insurance policies. As an independent agency, we have established successful partnerships with multiple insurance companies. We are committed to helping our clients find the coverage that they need to protect their assets.

Common Misconceptions About Flood Insurance

Potential flooding is a threat that many homeowners have to deal with in today’s ever-changing weather conditions. Flood insurance gives you a security net so that you are covered in the event of an emergency. While you are researching different policies, be aware of some common misconceptions regarding flood insurance.

Flood Insurance Should Not Be A Priority

Even if you reside in an area of Pennsylvania that has a low risk of flooding, you should still consider the benefits of flood insurance. A severe storm or natural disaster can happen at any time. Flooding can cause serious damage that you do not have to worry about because you will be protected through your flood insurance policy.

What If I Don’t Own A Home

Even if you don’t own a home, you may still be at risk. Flooding can cause damage to apartments and condos as well. Without flood insurance, you risk being unprotected in the event that your property and valuable possessions are damaged.

All Water Damage Is Similar

Be sure to check the language in your policy carefully. If your property is damaged due to a leak in your water heater of a broken pipe, that may not be covered under flood insurance. Consider elevating some equipment and plumbing above floor level.

Saucon Insurance Agency Can Help You

For over 100 years, we have proudly served the Bethlehem, PA community. To learn more information about how we can assist you, please visit our website.  

Explaining Camper & Boat Insurance

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Saucon Insurance Agency assists the Bethlehem, PA community through helping residents find the coverage that they need to protect their assets. We use our standing as an independent agency to our advantage by ensuring that our clients find policies that align with their individual needs.

Camper & Boat Insurance

If you enjoy taking your camper across the country to enjoy new experiences, it’s important that you have protection. Camper insurance allows you to protect one of your major investments. The policy protects the camper in the event that it is damaged or vandalized. The policy also covers the inside of your campers and all of your possessions. Comprehensive coverage ensures that you have protection in the event that your camper is damaged in a fire or some other type of natural disaster. You can amend your policy to cover any water damage to your camper as a result of flooding or drainage issues.

It’s important that you have liability coverage as well so that you will be protected in case there is an accident and someone gets injured. The policy also covers your boat in the event that it is damaged or stolen. If your boat is vandalized while you are camping somewhere, you will be protected. When you bring your boat on the water, pay attention to the navigational limits, so that you will avoid areas where you don’t have coverage.  You can amend the policy to ensure that all of your belongings and accessories on the boat are covered in the event that they are stolen.

Consult With Saucon Insurance Agency

Stop by our office in Bethlehem, PA today. We will assess your situation and help you find the coverage that you need.

Three mistakes to avoid when you purchase RV insurance

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You need to protect the value of your RV and meet your state liability insurance requirements with the right RV insurance policy in Bethlehem, PA. RV insurance is one of the types of insurance we provide at Saucon Insurance Agency.

The following are three mistakes you want to avoid to get the best possible RV insurance coverage for your needs.

Not getting a policy with an agreed upon RV value

You can expect the best results from a total loss in an RV accident if you invest in an agreed upon RV value. Otherwise, depreciation might significantly detract from the amount you get from the insurance company after a total loss.

Failing to specify that you live in your RV

If you live in your RV full time, it’s important to specify a full-time insurance coverage option. This will basically treat your RV like it’s your home and lead to coverage for not only the RV itself but also your possessions within the RV. This is the best option for full-time RVers to protect their assets. 

Buying the cheapest coverage available

There are a lot more factors to consider than just price alone. If you’re just paying the cheapest possible monthly premiums, you might be putting yourself at risk of significant financial damages in the event of an accident.

Make sure you get numerous quotes before purchasing a policy. Also, make sure that you evaluate these quotes carefully and choose the policy that offers the best value. 

Would you like to explore our policy offerings at Saucon Insurance Agency? We’re here to help. Contact us to learn more about our RV insurance policies in Bethlehem, PA. 

A Detailed Look At Employee Benefits Insurance

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For over 25 years, Saucon Insurance Agency has assisted the Bethlehem PA community by offering different insurance policies to residents. Our primary goal is to help your clients find the insurance coverage that they need so that they are protected throughout their personal lives and professional careers.

Employee Benefits Insurance

Employees are a valuable part of successful businesses. At Saucon Insurance Agency, we work with our clients to find an employee benefits policy that will identify risks and then help them find solutions to those risks.

Employee benefits insurance helps protect businesses and their employees. In the event that an employee files a grievance or claim against the business, the policy can help protect the business. Employee benefits insurance policies often cover most of the common employee benefits, including health insurance, retirement benefits, worker’s compensation, and pensions. If your business forgets to properly give you all of the benefits that you are entitled to, they may be held liable without employee benefits insurance.

Employee benefits insurance helps businesses ensure that they properly manage their employee benefits programs to avoid any misunderstandings. Employee benefits insurance is also an asset for businesses that offer different benefits packages to individual employees, as well as businesses that have a high employee turnover rate.

Employees could inquire into their policies in order to add language pertaining to getting injured on the job, counseling, as well as any issues related to their salary or retirement plan. Any issues concerning health insurance enrollment should also be outlined in the employee benefits insurance policy.

Saucon Insurance Agency Will Guide You!

We will sit down with you and answer any questions that you may have regarding employee benefits insurance. We strive to ensure that all of our clients adhere to state and federal laws. Stop by our office in Bethlehem, PA today!

Importance of Creating a Safe Work Environment

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Safety should be a trademark for any work environment. At Saucon Insurance Agency, we encourage business owners in Bethlehem, PA to make workplace safety a priority. A safe workplace will help reduce accidents, improve morale, and increase productivity – all good reasons for raising the safety standard of your business environment.

Why You Should Make Safety a Priority

A safe workplace benefits both you and your workers in numerous ways.

Workplace safety reduces the risk of accidents and injuries on the job. As a result, you’ll have fewer safety investigations and worker’s comp claims, which can help keep your worker’s comp insurance costs down.

People who work in a safe, healthy environment are happier and more productive, which will increase business revenue. A safe workplace will boost morale, enabling you to retain good workers on a long term basis. A loyal, experienced workforce can be a tremendous asset to growing your company.

A safe work environment promotes health and wellness, reducing the rate of absenteeism for sickness or disease.

Raising the safety level of your workplace reduces the risk of accidental damage to valuable business equipment. You’ll spend less on equipment repair and replacement costs.

Tips for Creating a Safe Working Environment

There are various ways to improve safety in your business environment. Here are just a few:

  • Encourage supervisors and employees to report hazardous conditions in your workplace and take measures to correct them.
  • Implement safety procedures that can help reduce the risk of accidents.
  • Train your employees in how to perform their job safely and how to use industrial machinery.
  • Make sure all employees have the safety gear they need to perform their tasks.
  • Purchase commercial insurance to protect your Bethlehem, PA business and workers against accidents and financial loss.

For more information about commercial insurance coverage and costs, contact Saucon Insurance Agency.   

Mini Guide to Preparing Your House for Summer

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The residents of Bethlehem, PA are days away from sweltering temperatures, tornado warnings, pest invasions, and blasts of rainstorms. If you are like many others, you are expecting this year to be especially hot, which means that your home will be at full force with all of the unpleasant things associated with the summer heat. Before summer cleaning the grill and pulling the lawn furniture, taking the time to prepare your home for the summer will allow you to focus more on enjoying longer days, than worrying about pest invasions and a poorly operating air conditioner. So, Saucon Insurance Agency has put together a mini-guide to help you prepare your home for summer.

Prevent Pest Invasions

Summer weather is notorious for bringing out pests, especially ants and flies. Most bugs go into hibernation during the colder months, unfortunately, they may decide to stay out of the cold by hibernating in or near your home. The minute it starts to warm up, the bugs that have been staying warm inside of your walls and attic will begin to make their presence known. One of the most common types of pest problems is ants. Here are some tips to prevent and get rid of ant invasions:

  • Make sure everything is sealed up tight, including caulking around doors and windows. Check for gaps and fix any with weather stripping and caulking.
  • Spray the outdoor perimeter with a good, over-the-counter pesticide. Spray along the foundation, around windows and around porches and stairs.
  • If you are already noticing ants in the kitchen and/or bathroom, place ant baits in areas where you are noticing their trail.
  • Be sure to clean up all crumbs and spills as soon as they occur and keep food items in tightly sealed containers.

Give Your Air Conditioner a Checkup

The best time to make sure your air conditioner is doing its job is before you need it. Turn on the air conditioner and make sure it’s in good working order In many situations, it something minor, such as a dirty filter, so before contacting an HVAC company, replace the filter and clean all debris on or around the exhausts and vents. Be sure to clean all dirt and debris from the outside unit as well. After taking these steps, if it isn’t working like it should contact an HVAC company to inspect the unit.

Now that you have taken the steps necessary to prevent pest invasions and ensured that your air conditioner is functioning as it should, it’s time to check for leaks in your home. Because it doesn’t matter how well the air conditioner is working if the air is slowly leaking out. Before calling a professional, do your own simple home energy audit first. Check for drafts around doors and windows, ensure all windows are opening and closing properly and check to make sure the attic insulation is still in good condition.

Residents of Bethlehem, PA who interested in learning information about homeowner insurance or considering upgrading their current policy, contact Saucon Insurance Agency.

Is Auto Insurance Required in Pennsylvania?

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If you own a vehicle in Pennsylvania, you’re required to have auto insurance coverage. Liability coverage protects other drivers and is mandatory by law. However, it’s not the only coverage available to you. You can also obtain coverage to protect your vehicle against theft and damage. If you need help choosing an auto policy, talk to an agent from Saucon Insurance Agency. We’ll explain your options and recommend the coverage best suited to your lifestyle. Here are some facts you should know about auto insurance in Pennsylvania.

Liability Coverage is Mandatory

Pennsylvania requires that you carry minimum liability coverage to pay for injuries and damages to others in accidents you cause. If you cause an accident where damages exceed this minimum coverage, you may have to pay the rest out of pocket. For your protection, it’s best to purchase more than the minimum liability requirement.

Auto Policies Offer Optional Coverage

In addition to liability coverage, auto policies in Bethlehem, PA offer optional protection in the form of collision, comprehensive and uninsured motorist coverage. You can pick and choose from this coverage to obtain the protection you want and need.

  • Collision insurance protects your car against crashes.
  • Comprehensive insurance covers theft and damage to your vehicle by non-collision causes, i.e. falling objects, vandalism, or inclement weather.
  • Uninsured motorist insurance protects you against uninsured and hit and run drivers. 

The more expensive your vehicle, the more protection you’ll need to cover its value. If you fall short in your insurance protection, you could wind up paying for damages out of pocket.

Auto Insurance Can Vary According to Need

You can customize your auto coverage in Bethlehem, PA to obtain the essential protection you need. This can save you money on your premium. For more information about auto policies and costs, call or visit Saucon Insurance Agency today.

Car insurance tips for teenage drivers in Bethlehem, PA

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Your teenager’s sixteenth birthday can be a much-feared or much-anticipated day, depending on whether you are the parent of the teenager. It is a time when teenagers look forward to hitting the Bethlehem, PA roads. While a driver’s license could be their rite of passage, your teenager will still need something else, which is more essential and critical for their safety–An auto insurance policy.

If you’re worried about your teenager’s safety on the roads, you can always speak to us at Saucon Insurance Agency, and we will help you teach your teenager about safe driving and which coverages to purchase to protect them.

When it comes to buying insurance for your teenage driver, you have two options. You can either add your teenager to your auto policy or get them a separate policy. While adding them to your own policy only increases your rates a little more than double what you are paying, it is much cheaper than buying a brand-new auto policy.

Enquire about multi-policy discounts

Most auto insurance companies in Bethlehem PA offer discounts if you buy multiple policies from them. For instance, if you have a home, boat, life, and car insurance from the same provider, the company can offer various discounts based on your limits. As you shop around for the best deals, enquire about discounts for multi-policy.

Get an old safe car for your teenager

older cars come with many benefits. They are not only less expensive, but also tend to carry affordable insurance. Safe cars lower your insurance premiums as they are less likely to cause accidents.

Above all, educate your teen.

Having some of these conversations about insurance is critical in helping teenagers stay safe and become more responsible. Let them know that the more accidents they get into, the higher their insurance rates. Violating auto insurance and roadside rules can lead to license suspension and penalties.

Keep your teenager safe on the roads. Contact Saucon Insurance Agency if you have any questions, and our team will be happy to get back to you.

Does Home Insurance Cover Dog Bites?

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If you are a pet owner, you may love to share your friendly pet with neighbors and friends at a neighborhood barbecue or afternoon walk. However, if your dog becomes spooked and bites someone, you could be on the hook for a lot of money. Fortunately, many home insurance policies cover dog bites, even some that don’t occur on your property. Your agent at Saucon Insurance Agency in Bethlehem, PA can help you determine whether you are currently covered for dog bites.

Dog Bite Insurance Coverage

Dog bites fall under your liability coverage unless the breed of your pet is on an exclusion list. For example, pit bulls account for about 63% of complex bite wounds and appear on the excluded breeds list of many insurers. Rottweilers and Dobermans also appear on most exclusion lists because they are perceived as dangerous.

Your insurance agent can explain how your dog bite coverage works. You may be covered up to your policy limit or a percentage of your limit, depending on how the insurer writes the policy. Your coverage may also include legal costs and settlement amounts related to a case that goes to court.

Read the Fine Print

Some insurance companies may only payout on one claim per animal. If your dog has already bitten someone, the insurance company may consider it to be dangerous and uninsurable. This means that you would be on the hook for expenses if your dog bites anyone else. 

Where Are You Covered?

If your dog bites someone at the park or during a walk around the neighborhood, your home insurance policy may have you covered. Ask your insurance agent to double-check if you aren’t clear on the language in the policy. 

Contact Saucon Insurance Agency about your home insurance needs in Bethlehem, PA. We’d be happy to make sure you and your pet are covered in the case of dog bites and other perils. 

Should All Residents in Bethlehem Have Personal Umbrella Insurance?

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By definition, umbrella insurance was named to connote the catch-all feeling that it was always meant to provide. If you live in Bethlehem, PA, it can sound like a cozy policy that you’ll need on a particularly rainy day. But does everyone need it? Saucon Insurance Agency is here to help you learn more. 

The Gist of Umbrella Insurance 

The short answer to this question is that not every Bethlehem citizen will need umbrella insurance. However, it is a nice type of policy for everyone to have. This insurance policy applies to liability claims, which can affect anyone — even if you don’t own your own home or business.

For example, if someone injures themselves in your apartment or rented duplex and sues you for their current and future injuries, a standard insurance policy may only cover a portion of the expenses. The same is true for auto insurance, home insurance, and boat insurance. Umbrella insurance will pick up the additional costs, in case you’re involved in a particularly lengthy liability case. 

Who Umbrella Insurance Is Recommended For 

This type of policy is usually taken out by people who are more likely to get sued, such as a prominent business owner or other public figures. But it can be an excellent option for small business owners too. For example, if you owned a home that also doubles as a business where you see clients, you’ll want additional protection in case something happens to them. 

If you have questions about whether umbrella insurance is right for you in Bethlehem, PA, call Saucon Insurance Agency today. What this policy is designed to do is give you that much coverage in difficult situations, giving you a sense of control during a trying time.