If you have assets to protect, such as a home and a vehicle, you may already have home and auto insurance. These are important ways to protect yourself legally and financially in case of injuries in your home or because of an accident with your vehicle. However, the amount of specific coverage through these policies may be too low to handle a significant accident. In those cases, getting personal umbrella insurance is an intelligent way to protect yourself. 

Liability Coverage and Overages

When you have liability coverage for your home and vehicle, these policies have several different types of coverage. One of these is liability coverage. Having good liability insurance is vital to having good financial protection against the risk of accidents. When your home or auto policy doesn’t have much liability coverage, you may need to supplement it. You can do that with an umbrella policy. A personal umbrella policy adds more liability coverage to both policies so that you are far better covered against accidents. If you don’t have a supplement and keep very little liability coverage, you could owe money after your policy has paid up to its maximum. This overage can cost you tens of thousands or even more for a serious accident. 

Get It Paid With Umbrella Insurance

There is umbrella insurance to avoid overages that you would have to pay yourself. This type of policy kicks in after the first policy has paid up to its maximum. This means that you won’t be stuck with considerable overages to pay. Umbrella insurance has a much higher maximum than most home or auto policies, so it’s good protection financially. 

Call Us to Find Out More

If you are interested in umbrella insurance, give us a call today at Saucon Insurance Agency in Bethlehem, PA.

Many people have a car or vehicle that they love. They may have their first car, even though they haven’t driven it regularly in fifteen years. They may also love old cars, so they had to have one. 

When you have a collector’s car, you need to make sure that you take care of it properly. Here are some tips to do so. 

The best thing that you can do is to keep it in a garage. However, you need to make sure that it stays out of the sun, or it can fade the paint (among other things).

It also needs to be moisture-free. You should run a heater or a dehumidifier in the garage to keep the garage as moisture-free as possible. This will help to prevent corrosion. 

You should get it out to rotate the tires regularly. If you let a car sit for too long, it will get flat spots in the tires. So, even if you just pull the car out of the garage and then park it again every few weeks, this will prevent damage to your tires. 

Disconnect the battery. If you aren’t going to be moving the car for more than a month, you are going to want to disconnect the battery. This will keep the battery fully charged.

If you want to make sure that your car stores well, you are going to want to keep it in a garage away from the sun. You also need to make sure that it is moisture-free. 

You also need to make sure that you have enough insurance for your vehicle. Don’t hesitate to contact us today at Saucon Insurance Agency in Bethlehem, PA. 

If you have been planning a wedding, you know how much goes into the proceedings. It can take months to plan it, and then everything still may not go perfectly. There are two main types of wedding coverage that you can get for your event, and both of them are important for your peace of mind as well as for your financial protection. If you have a wedding planned and need insurance for it, give us a call at Saucon Insurance Agency in Bethlehem, PA to find out more and to get started.

Liability Coverage

An important part of the wedding insurance that you get is liability coverage. This type of coverage covers you in case someone has an accident or injury while at your wedding. This is smart coverage to have, as it means you are unlikely to be sued if someone gets injured. There are a number of venues that require you to have this type of coverage before you can book your wedding with them. If you want your rehearsal dinner covered as well, you may be able to add it to the policy as an option. 

Cancellation Insurance

With everything that goes into a wedding and with everything it costs, it can be heartbreaking if the wedding ends up having to be canceled. It covers how much has been spent if the wedding is canceled. There are a lot of reasons why a wedding may have to be canceled, but having a change of heart is usually not covered. There are sometimes opportunities to get it to cover a change of heart, but this generally applies only when the cost of the wedding has been paid by a third party. 

Get Your Wedding Insurance Coverage

To protect your wedding and all that has been spent on it, as well as things that can go wrong during it, there’s wedding insurance. Call us at Saucon Insurance Agency in Bethlehem, PA.

When warmer weather arrives in Bethlehem, PA, you may take your water vessel on the water to go fishing, cool off, or simply spend some quality time on the open water with your family and friends. It is important to take care when out on your boat to avoid the need to file a boat insurance claim with an insurer like Saucon Insurance Agency. Here are a few different causes of boat insurance claims and how you can avoid them.

Collision with an Underwater Object

More often than not, this type of accident occurs when you are unfamiliar with an area, inexperienced at operating the vessel or driving carelessly. Underwater objects can include anything from rocks and trees to sandbars and debris. 

It is imperative that you never operate your watercraft while under the influence, and you should always be aware of your surroundings. If you are traveling into unfamiliar waters, utilize a depth sounder. 

Bodily Injury

It is also common for boat insurance claims to involve physical injuries. These types of injuries tend to occur when an inexperienced individual operates the boat. For instance, watercraft passengers can be thrown around rather violently when the boat moves over rough water at excessive speeds. The same is true if you suddenly change direction or speed. 

To help avoid this type of accident, you should ensure everyone is wearing the proper attire, including water shoes, and drive with caution and responsibly. Don’t forget to always ensure your vessel is equipped with life-saving devices in the event of an emergency.

Theft

Although it doesn’t happen often, it is possible for a boat to be stolen. This is true with smaller watercraft, such as jet skis. Theft can occur if you don’t take the proper measures to secure your boat, or if you allow the wrong person to take your vessel out on the water. 

More likely to occur than a boat theft is theft on a boat. Therefore, when leaving your watercraft at the marina or anywhere similar, make sure to lock up any valuables you may have on the boat. This can include anything from personal items like jewelry to boat-related accessories like scuba gear. 

If your boat is not currently protected, contact the insurance professionals at Saucon Insurance Agency, serving Bethlehem, PA, so we can evaluate your current boat insurance needs. 

When you have an RV or camper, there is specific insurance that you must have for it in Pennsylvania. This insurance is important for protecting yourself financially as well as protecting others on the road. If you have an RV or camper and need insurance for it, give us a call at Saucon Insurance Agency in Bethlehem, PA.

Classes of RVs

When you get your RV or camper insurance, your RV or camper must be classified into one of three classes. This greatly defines what kind of insurance you need and how your policy is laid out. The biggest class of RVs are the class A vehicles. These can be as long as 75 feet and are usually motor coaches or buses that have been converted. The smallest class is class B. These encompass most campers and have a design that does not go over the cab area of the vehicle. Class Cs are made with a cargo van and have a design that does go above the cab. 

Using Your RV or Camper

How often you use your RV or camper also has a lot to do with the insurance coverage that you get. Many people use theirs only occasionally, so there’s no reason why they should pay the same amount for insurance as someone who lives in theirs. Whether you are in there part-time or full-time, you need to have coverage just in case there should be an accident. Other factors in your policy include the age of your RV or camper and how much it’s worth.

Get Your RV or Camper Covered

When you have an RV or camper, it’s important that it always has an insurance policy on it both to stay legal and to keep you financially protected. Call us at Saucon Insurance Agency in Bethlehem, PA.

If you feel happy with your classic or collector car or vehicle, you should look further than regular auto insurance. Otherwise, you might miss out on appropriate coverage should your vehicle get damaged or should the vehicle be stolen.

Here at Saucon Insurance Agency in Bethlehem, PA we feel very proud to offer collectors vehicle insurance to residents in the state of Pennsylvania. Because of our work with multiple providers, we can show you more than one quote to ensure the best possible coverage for you and your vehicle.

Benefits of collectors vehicle insurance

As stated above, regular auto insurance usually does not cover you in case something happens to your classic vehicle. Some benefits of getting additional insurance on your collector’s vehicle include:

Your classic car usually goes up in value rather than down

Because you own and/or drive a vehicle that not many people have, the value of your vehicle could go up over time. It is a collector’s item after all, and others often line up to get their hands on a vehicle like yours. You might not decide to drive your vehicle and just have it in your garage as a collector’s item, but your vehicle value will still go up simply by having and maintaining the vehicle. 

A standard policy can only cover so much

If you want to use a standard auto insurance policy and something happens to your vehicle, because of the higher value of your collectors’ vehicle, a standard policy might not cover the full extent of the costs you have.

If you want to give us a call about collectors’ vehicle insurance, call Saucon Insurance Agency in Bethlehem, PA or you can compare quotes via our website. 

Your wedding should be your special day. Certain events can occur on, before, or after a wedding day that can cause you certain losses. While this is already disheartening at an emotional level, don’t let this ruin your finances as well.

Saucon Insurance Agency in Bethlehem, PA offers wedding insurance to provide security for your and your partner’s special day. We can discuss quotes with you to ensure you have all the coverage you need for your wedding day.

What is wedding insurance for

Certain situations can require wedding insurance. Things of some of the few:

• The day after your wedding, you go out for breakfast, and you come back to your hotel room, and your room is broken into; all your gifts were stolen. While you can’t gain back the value of opening presents and seeing what everyone bought you, you can be covered for the financial losses of losing these presents.
• It’s the week before your wedding, and you’re incredibly excited. You’ve started to feel unwell in the last couple of days, but it’s probably nothing. However, a few days before the wedding you are so sick you don’t think you’ll be able to go through with the wedding. You will have to cancel it. Wedding insurance can cover this so that both you and your wedding venue don’t lose out.
• You had your eyes set on your dream wedding in a forest, but on that day, a fire breaks out, and it is too dangerous to go ahead. This means your wedding needs to either be rescheduled or moved. 

Call Saucon Insurance Agency in Bethlehem, PA to talk about wedding insurance options.

Boat owners in Bethlehem, PA know the adventure and good times that can be shared with family and friends on the water. Even as summer draws to an end, there are still plenty of warm weather days ahead to take the boat out, fish, water ski, and catch some sun. 

Before your next trek out in your boat, make sure your boat insurance is up to date and the coverage you hold is enough in the event of an accident, damage from weather, vandalism, theft, and more.

At Saucon Insurance Agency, we strive to bring Pennsylvania residents the most up-to-date and full coverage plan options for their homes, cars, and recreational vehicles. 

Boat insurance can be overwhelming because if you don’t know what options you have, you can risk getting stuck with coverage that isn’t enough in the event of an accident, bad weather, or damage.

When you make a large financial investment in something like a boat, you should be proactive to ensure the boat is well protected by an insurance policy. We highly recommend avoiding letting your insurance lapse in the winter months when it’s in storage because damage and theft can still occur during that time. 

Whether you store your boat off-site, at your home, or a few hours away, it should remain insured all year round.

Knowing your expensive assets are covered all year round is worth the peace of mind you’ll gain in return.

Life in Bethlehem, PA is unlike anywhere else and can be even more enjoyable with a boat. At Saucon Insurance Agency, our team of agents can get to know your individual situation and personal needs for insurance, and make recommendations based on your lifestyle.

So, you have made a huge step in your life by investing in an RV you have always dreamt about. But is that all? Before hitting the road to enjoy your newfound toy, you need to invest in RV and camper insurance from Saucon Insurance Agency in Bethlehem, PA.

But like most people, you need to make sure that you get value for money for everything you put your cash on. With this in mind, you might ask: Is investing in RV insurance a smart decision? If you would like to find out, please keep scrolling.

Why should I invest in RV insurance?

If you love outdoor activities, you may be thinking of joining tons of Americans that own a recreational vehicle. But now that you understand you need insurance, you might need to know whether it’s worth it. Well, here are reasons why RV insurance is a necessity.

It may be required

If your RV is motorized (has an engine and steering wheel), you must insure it if you want to drive or park in public places. Just like auto insurance, you may be required to maintain minimum liability coverages for your RV. 

To protect your asset

Even though insurance isn’t mandatory for some RVs, you still need it to protect the asset you have worked so hard to purchase. RV insurance repairs and even replace your investment in case of a total loss.

Liability protection

In the course of using your camper or motorhome, you could be at fault for accidents. You don’t have to dent your pockets when this happens because RV insurance handles liability claims on your behalf.

Buy RV insurance today in Bethlehem, PA!

Would you like to purchase insurance for your camper or motorhome? Look no further than Saucon Insurance Agency. We offer customizable RV insurance policies that suit your budget, lifestyle, and other unique needs.

Our team at Saucon Insurance Agency is poised to meet all of the insurance needs of our Bethlehem, PA customers. Employee Benefits Insurance combines many different forms of insurance designed to meet various needs. These plans include health insurance as well as employee stock plans.

Employee benefits liability
Employee benefits liability or (EBL) is insurance designed to cover businesses when they make errors and omissions in administering employee benefit plans. This type of insurance can help companies invest in a backup plan when these errors occur. 

Workers Compensation
Most companies are required to provide workers’ compensation for employees who are injured on the job. Our insurance agency can help your company establish workers’ compensation coverage for your employees. This is usually a requirement. 

Health and Dental Insurance
Our insurance agency is happy to introduce employee benefits insurance to companies who want to offer the option of insurance to their employees. These packages include health and dental insurance which allows employees to visit their dentist or doctor and pay a manageable co-pay. 

Life Insurance
Life insurance is another form of insurance that may be offered as part of an employee benefits program. Life insurance is designed to take care of your financial obligations and family in the event of your death, maybe even untimely death. We can help guide any decisions that an employee may need to make when it comes to life insurance. How much? What type? The questions can be endless. We’re here to help. 

Profit-Sharing/Employee Stock Plans and More…
Other employee benefits can include stock options, profit sharing, 401K’s as well as other forms of benefits that help create more financial security for employees. Our Bethlehem, PA team at Saucon Insurance Agency is ready and waiting to answer any and all of your employee benefits insurance questions. Give us a call.