Does your current RV insurance coverage provide protection for any cars or recreational vehicles you might tow? Before leaving on a trip, it is important to understand how your insurance company would process a claim for an accident involving a vehicle you were towing. If you do not know whether your current insurer would fully cover the claim, contact one of our insurance agents to go over your policy. They will help you make sure you have the coverage you need.

Covering What You Tow

Whether you RV coverage extends to what you tow behind the motorhome depends on your specific policy. If the coverage does not include towed vehicles, then you may find yourself paying for any repairs the vehicle requires. In some cases, auto insurance policies that include comprehensive and collision coverage will cover cars towed behind motorhomes. These policies do not provide coverage for boats, ATVs or other recreational vehicles you might bring on vacation with you, though. If you will be towing anything next time you head out for a trip, check your insurance policy to see whether it would be covered in an accident.

Going Over Policies

In many cases, the technical jargon of an insurance policy is difficult to understand. Comprehending everything is doubly complicated when trying to understand how two different policies, such as an RV and an auto policy, would cover an accident.

If you would like help reviewing your current policies, call one of our licensed agents in Emmaus, PA. They will go through each part of your RV coverage and explain how it would be applied in different scenarios. If you need additional insurance, they will gladly help with that too.

When shopping for boat insurance, just as when looking for homeowners, renters or auto insurance, there are many options available. These options will help you customize your boat policy so it meets your specific needs. We have made it easy to understand and select each of these options on our website, which makes getting quotes online simple.

The Non-Negotiables

As with any insurance policy, there will be some information our quotes finder needs to provide you with accurate results. This information is non-negotiable, in that you cannot select a different option. Some examples include:

• the type of boat you are insuring
• your boat’s location in Fullerton, PA
• the age of your boat

These are factors that cannot be changed, unless you move or purchase a different boat, but insurance companies must use when calculating rates.

The Negotiables

Once you enter this information, there will be several different options presented to you. Simply select the various levels of coverage that you want, and we will have a quote for you in just a few seconds. The various options you can choose from include:

• Your liability coverage
• Collision coverage
• Coverage for injuries to you and passengers on the boat
• Your deductible

If there are any options you do not fully understand, just click the link for more information. We have tried to explain each option clearly on our website, so you can feel confident purchasing insurance through it.

Get Coverage Today

We have strived to make purchasing boat insurance online as simple as possible, so that no one has an excuse to not be properly insured. Take the few minutes required to insure yourself, before there is an accident on the water and it is too late.

Business owners have a lot on their plate, from managing employees and inventory to making sure they comply with the commercial laws applicable in each state and making sure they have the right type of insurance coverage to protect their investment (and hard work).

As local Pennsylvania independent insurance agents, we work with business owners all over the state to make sure they have the right commercial insurance policies that fit into their budget and don’t leave dangerous gaps in coverage. We can also compare quotes from a wide variety of insurance companies to find the best coverage to fit your budget. If you’re trying to decide what type of business coverage to purchase, you’ll want to have a good idea of the types of coverage available to you.

1. Liability

Liability coverage for businesses protects business owners against litigation and claims of negligence, personal injury, property damage, or other damages associated with your products or services.

2. Product Liability

If you manufacture or market products to the public, product liability insurance will protect you against claims of defective products that cause injury, property damage, or other harm.

3. Professional Liability

This type of coverage protects you against claims of errors and omissions in services you provide to your customers. Depending on your industry, your state might require you to maintain minimum levels of professional liability insurance.

4. Commercial Property

This is the commercial version of home insurance; it protects your store, warehouse, or other business property against theft, vandalism, weather, and other damages up to agreed-upon limits.

5. Commercial Auto

You’ll be required to maintain at least the same minimum liability coverage on company vehicles (which includes any vehicle used for your business’s purposes) as on your personal vehicles.

Depending on your situation, other types of commercial insurance may also be applicable. One of our independent agents can talk to you about your options, including bundling coverages into a Business Owner’s Package (BOP) which will help you save by bundling any of the relevant above policies into an all-in-one package.

You know about the typical personal insurance types: life, auto, home, and health. But have you ever considered adding additional insurance that could save you headaches that your typical personal insurance policy doesn't consider? A personal umbrella insurance policy provides you with additional protection on the liability portion of certain types of insurance, as well as extending lawsuit coverage to situations that aren't covered by any other type of personal insurance.

The expansion of liability coverage extends the amount that is covered by the insurance company whenever you have a claim filed against your insurance. It generally expands the coverage given by your car insurance and home insurance. This is particularly useful if you live in an area that is known for higher priced cars or more property related incidents in general. Instead of hitting the limits of your insurance and paying out of pocket for the rest, the personal umbrella policy keeps you protected.

The second part of this type of umbrella policy is protection that isn't given by other types of insurance. It helps you out against landlord liability, false arrest, slander, emotional distress, and libel. This is an all-inclusive policy that takes a wide range of potential situations under consideration. While you hope that none of these issues ever affect you, it's always better to be safe than sorry.

If you aren't sure where to start when it comes to personal umbrella insurance, talk to our experienced insurance agents about the options available for you. They'll let you know exactly what is covered, how the claim process proceeds, and other important information dealing with the umbrella coverage.

When you are involved in an accident in Northampton, PA, it can change the details of your insurance coverage. Although you may be able to maintain some of the basic coverage on your policy, you should expect some alterations to your premium and certain details of your policy.

What is Negligence?

Negligence refers to actions or behaviors that lead to an accident because you were not paying attention to the road. It may mean that you were distracted because you were eating, putting on makeup, shaving, using a cell phone or otherwise engaged in activities that take your attention away from driving.

Even though Northampton, PA requires no-fault coverage and liability protection, it is your responsibility to pay for any damages when you caused the accident. Your liability coverage will often pay for the situation, but you should expect some alterations to your policy.

Changes to Coverage

If you have coverage for collisions, then your policy will usually pay for the damages to your car after an accident. You should expect your premium to increase after you cause an accident and you may see some changes to your coverage. In some cases, your insurance provider may put exceptions into your policy or you may lose some coverage that was provided due to a good driving history. You may also lose some of the discounts that were previously applied to your policy.

There are several ways that your policy and coverage may be impacted by an accident that you caused. Depending on the insurance coverage that you have purchased, the changes that you can expect will vary. To learn more about your options, contact us to speak to an agent today.

Motorcycle accidents can leave you with deep personal injuries and expensive motorcycle repairs, which is why the state of PA makes motorcycle insurance a requirement for drivers. If you are looking for insurance in Allentown, you must have at least the minimum amount required for bodily injury and for property damage to others. This is meant to both protect you and others from harm and bodily injury.

At present, the minimum motorcycle insurance required by law in PA is $5,000 property damage, $15,000 for injury to one individual, and $30,000 for injuries to more than one individual in a single accident. While these are the minimum rates, we recommend that you purchase higher levels of insurance to provide peace of mind, to protect your bike, or to protect your own self in the event of an accident. The minimum rates do not necessarily offer enough coverage to protect you fully in the event of an accident. Regardless of whether you ride with a helmet or without a helmet, our insurance agents can help you obtain at least the minimum amount of coverage.

Of course, raising the amount of coverage you have means that you will also have to pay a higher monthly premium for insurance coverage in Allentown. Our agents can help you find a balance between having enough coverage to protect yourself in the event of an accident and keeping your monthly payments rates affordable.

We offer insurance for motorcycles in Allentown. We may be able to help you bundle motorcycle insurance with auto or other types of insurance to save money. It can be helpful to speak with one of our motorcycle insurance specialists to find out more information about the minimum amount of motorcycle insurance you need under Pennsylvania law.

Pennsylvania is an expansive state with rustic small towns, thriving metropolitan areas, and everything in between. You might have picked up your recreational vehicle for traveling across the country, but all of the distinct regions in this state alone will keep you busy for quite some time.

If you have a motorized RV, it’s important to get the proper insurance so all the integral parts are covered, not just the automobile aspects of the RV. You typically have many aspects of a house in a comfortable RV, so it’s important that you consider those when you’re getting insurance as well.

We’re more than happy to help you find the best RV insurance quotes so you are properly protected for your trip. When you get in touch with us, we talk to a variety of companies to find out the best way to protect your RV.

Some typical features of RV insurance include insuring the contents of the RV, so that if they are lost, damaged, or stolen you don’t have to pay out of pocket to replace your items. Trip insurance is another feature so you don’t have to cancel your road trip because you are unable to stay in your RV due to damage.

RV insurance also functions as typical auto insurance, so you have coverage if you get in an accident. The basic coverage handles your financial liability, but you can also add on collision and comprehensive RV coverage additionally.

Need help understanding exactly what you need from your RV insurance quotes? Give us a call to talk with our experienced independent agents about your Bethlehem, PA RV insurance needs.

When you look at insurance for your home, automobile, or health, you want to figure out the best agents to go through for signing up. Insurance companies offer many services, but finding out exactly which company is the best for you depends on many factors.

One of the most important factors to keep in mind is whether the insurance company has a licensed in Pennsylvania. A license means that the company has gone through the requirements of the state to do business, so your insurance policy is considered legally valid and sound. If you pick up insurance from an unlicensed insurance agency and something happens to your home, you may end up not being able to make the claim because of the legal invalidity.

Another thing to keep in mind when looking at insurance companies is the type of rates that they have access to. An independent agency has a better selection range between insurance companies, as they are not locked into a single provider. This allows the company to provide more than enough options for those seeking insurance, as well as having other options for finding hard to place insurance situations.

Look into the payment options available as well. It’s ideal to have access to convenient payment options such as online pay, instead of having to send in a check or do payments over the phone. In addition, look into the online account management system if they offer one to see whether that meets your needs from an insurance company.

Finally, online insurance quotes help you to find out some of the rate information yourself. Find insurance companies that make this available to potential customers to you know how they stack up against your other options in black and white.

Recognizing your options and the potential expense of protecting your motorcycle in Bethlehem, PA can be an important part of finding the right policy. Your needs and goals can depend on several factors, but you should usually start searching for a policy based on the minimum standards. Motorbike insurance is required in Pennsylvania, but the exact coverage that you need can exceed the minimum state standards.

Policy You Select

The policy that you purchase will be an important part in determining the cost of coverage. Generally, a simple plan that meets the state standards for liability protection will cost less than a comprehensive plan because the amount of risk is reduced.

A comprehensive plan focuses on providing coverage for a variety of situations. It will pay for the damages to your personal vehicle as long as the situation is covered by the policy. It may not pay for every situation, so adding coverage can be necessary if you are worried about collisions or excluded details in the policy.

Your Historical Information

Along with the details regarding the policy that you want to purchase, your historical data is also important. If you have a good driving and riding history, then you can expect lower rates. The same is true if you have an excellent credit history because it suggests that you have a lower risk. Although historical data does not mean you will never make a claim, it does give the company a good idea about the way that you drive. If you take safety measures, then your risk of an accident is lower.

There are a variety of options available to protect your motorcycle, so you should always compare your options to get the best rates. Contact us to talk to an agent today for more information.

Recreational vehicles come in all shapes and sizes, from the tow along campers to the Class A motorhomes that are built off of a bus chassis. Because RV coverage has to encompass such a wide range of different vehicles, the maximum value depends significantly on what type of RV you have. In addition, RV coverage doesn’t just look into the physical damage that it may cause or receive. Instead, it also covers things like the kitchen inside of a motorhome and your vacation supplies, such as clothing and other travel essentials.

Your recreational vehicle coverage may also provide protection if you tow your car behind your RV, although that depends primarily on the type of policy you get. Sometimes your auto insurance may also cover the car when it’s towed.

RV insurance also varies with the premium depending on if you are using the vehicle all year round, or if you only take it out during the vacation months. If it’s stored and not being used a significant portion of the year, you get a discount on the coverage price. This is an important part of the policy to look over, as it can significantly affect the price that you end up paying for your RV insurance.

Find quotes from independent agents in Emmaus, PA online for your recreational vehicle needs. RV coverage is an important part in giving you the peace of mind to properly enjoy your vacation, and it’s even more relaxing when you can simply check out quotes through your computer instead of calling around to every insurance company you can think of.