You want to make sure you have good insurance coverage because that means financial protection and peace of mind. But in order to get that coverage, you’ll want the right agent. When you live in Bethlehem, PA, you can work with Saucon Insurance Agency to protect your motorcycle investment and get the coverage and protection you need and expect. Motorcycles in Pennsylvania require insurance in the same way that other vehicles do, unlike some states where ensuring a motorcycle is optional. But there’s more to the policy than just the coverage it offers. There’s also the insurance agent you choose.

With the best agent for your needs, you can feel comfortable that the policy you get will also be the right one. Then you’ll have the opportunity to get the information and assistance you want so your insurance will give you proper protection. That protection is vital since you are protecting both your motorcycle and your person, along with other people on the road and their vehicles. Your agent can help you get the coverage you should have under the law, and talk with you about options for adding any additional coverage you might want.

The peace of mind and financial protection you receive from the right policy are both significant, and you can get both of them in one place when you ensure your Bethlehem, PA motorcycle with Saucon Insurance Agency. Not only will you have the coverage you need, but you’ll have an agent you can rely on when you have questions or you need to make a change. Then you can take your motorcycle out into the Pennsylvania sunshine and really enjoy it, knowing that you have the right policy, coverage, and financial protection for your specific needs.

Toys and collectibles have become big business as people reclaim memories from their childhood or simply engage in the business of toy collecting. Find reliable toy insurance through our independent agents at the Saucon Insurance Agency. Proudly serving the Bethlehem, PA communities, we have access to the latest insurance policies available for protection of your toy collections and investments.

Collecting

Whether it’s Tonka or Barbie, the original Star Wars collection, or anything else, your toy collection represents parts of your childhood that involve imagination and the innocence of younger days. You’ll want to protect those objects with their emotional ties. We can discuss unfortunate incidents that you have to think about, like forces of nature, theft, and other loss. Toy insurance will assist you in maintaining your collection that has taken so much energy to gather together.

Investing

When you invest in toys, you invest in the culture of childhood. People want to preserve those memories and that childhood excitement, and you can help them. Investing in reliable insurance coverage allows you to continue your business free of worries should anything unforeseen happen to it. Insurance will help you get your feet back on the ground when things go wrong due to Mother Nature, loss, and accidents. Preserve the culture. Protect your business. Secure your investment. 

Ensuring 

Learn the facts about toy insurance coverage and safeguard your investments. Our representatives at the Saucon Insurance Agency can sit down with you, learn about your collections, and answer your questions. We’ll find the policy that will work for you and give you peace of mind. After all, collecting toys means collecting unique memories, and you don’t want to play around with that. Contact us in the Bethlehem, PA area today.

Umbrella insurance pays additional funds when your primary policies are triggered. Self-employed people, solopreneurs, private contractors, home-based workers, and other non-traditional wage earners need umbrella coverage to protect the tools and property they use to make a living. Here are some ways a commercial umbrella policy from the Saucon Insurance Agency can keep your Bethlehem, PA business solvent through a number of threats.

• General liability policies cover costs associated with loss or damage that occurs on your property. If a visitor claims to have been hurt or had property destroyed while on your property, general liability covers your portion of court-ordered payments. However, serious injuries or catastrophic loss of property can quickly eat up standard payouts, leaving small business owners to pay these costs out-of-pocket. Umbrella insurance policies can cover those costs instead, leaving your precious cashflow free to work for you.
• Commercial auto insurance protects the fleet, service, and other business vehicles. During times of expansion, small business owners may invest in new vehicles to expand their abilities to deliver goods and services. If an accident causes severe damage to the new vehicle, the primary auto insurance usually covers any remaining financed costs. The business owner is left to find the funds to replace the missing vehicle. An umbrella policy would provide enough additional funding to purchase a replacement vehicle so no opportunities are lost.
• Professional liability insurance protects workers, like medical professionals, who work directly with the public. If a client sues the professional for malpractice, professional liability policies help pay for lawyers, fees, and other costs associated with the case. This coverage may not be enough to protect private wealth from court-ordered restitution payments. An umbrella policy protects professionals from losing their property in a legal case.

Saucon Insurance Agency offers customized business insurance policies in the Bethlehem, PA area. Contact our representatives now to find out how umbrella coverage can complete your protection plan.

If you are looking for a fun mode of transportation and a way to see the country, buying an RV can be a great option.  When you do choose to buy an RV, you will also be making a very big purchase and investment.  Because of this, you will need to have insurance on the RV to ensure you are properly protected.  There are several different types of requirements that RV owners will need to have in place.

Minimum Liability

When you are looking to drive an RV, you will first need to comply with the state minimum liability requirements.  For those that are in the Bethlehem, PA area, the state of Pennsylvania has minimum liability requirements for all drivers of RVs. Their requirements are identical to the requirements set forth for all automobiles.  The state requires that you carry bodily injury liability coverage of at least $15,000 per person and $30,000 per incident.  You will also need to have coverage of at least $5,000 for property damage liability and uninsured motorist coverage of $15,000 per person and $30,000 per accident.  

Additional Coverage Requirements

While the state only requires that you carry liability insurance coverage, it would also be a good idea to carry additional types of insurance coverage.  Some other options to consider include carrying collision and comprehensive insurance coverage.  These types of insurance will provide you with coverage in the event you are at fault in an accident or are in an accident with an uninsured motorist.  Comprehensive coverage will also provide you with coverage if your vehicle is stolen or damaged.  If you took out a loan to buy the RV, you will be required under the loan agreement to carry these types of coverage.

For those that are in the Bethlehem, PA area, reaching out to the Saucon Insurance Agency could be a good option. The Saucon Insurance Agency can help you get into an RV insurance policy that provides you with the coverage you need.  

Saucon Insurance Agency has helped many Bethlehem, PA get coverage for their summer homes. However, if you rarely spend time in your vacation house, you may leave it open to serious floods. As a result, it is important to know how your insurance may be affected by your lack of presence in this house.

Coverage Varies Based On Risk

Homes in a high-risk area for flooding (such as those near a lake) must have flood insurance to protect them. In these areas, you are likely to have to pay a little extra for your coverage. That said, the policy will typically be stronger and stay in effect longer than if you lived in a low-risk home. It is usually a good idea if your summer home has ever been flooded or if areas near it have suffered from excessive water.

Content Coverage Is Possible

The contents of your summer home can be protected by the use of a specific coverage type known as content coverage. This helps to protect these items in your summer home from being a total loss during a flood. Just as importantly, it can provide you with the finances you need to recover.

Vacancy Issues May Be At Play

Vacancy is an issue that plagues many people who own more than one home. Your primary home is typically considered vacant or unoccupied if you haven’t lived in it for 30-60 days, depending on your state. A summer home may fall under a similar heading, meaning that your insurance could be voided when a flood strikes it. However, some flood policies have a clause that protects against this danger.

Talk To Us About This Concern

If your Bethlehem, PA summer home is vacant for extended periods of time, you may want to contact us at Saucon Insurance Agency today. We can help you decide what kind of coverage you need for your summer home and prevent serious damage problems.

If you ride a motorcycle, having adequate motorcycle insurance is critical. Keeping your insurance up-to-date is just as important.

There are some good reasons to upgrade your motorcycle insurance coverage. For example, an insurance review is a good idea if you move, change jobs, change parking, add or subtract users, add customized parts to your motorcycle, or make modifications that increase its value.

Moving, Changing Jobs, or Changing How Your Motorcycle is Parked

Keep your agent, at Saucon Insurance Agency serving Bethlehem, PA, informed if you plan to move or if how you park your motorcycle changes. For example, if you plan to park your motorcycle inside a secured garage at home or at work when it was previously parked outside let our agent know.

If you use your motorcycle to commute to work and you change jobs that significantly changes the distance of your commute, also it is a good idea to let your agent know.

Changing Riders and/or Users

This one is easy to overlook. If those who use your motorcycle change, be sure to inform your insurance agent. It is always a good idea to be open about how a motorcycle is being used so that you get the best advice about insurance coverage from your agent. This will help to avoid any potential problems later.

Modifications

Many motorcycle owners continue to work on them making customized improvements. This can increase the value of a motorcycle. Be sure to inform your agent if you do any new customized work that needs to be covered by insurance.

For these changes or any others, reach out to your agent at Saucon Insurance Agency serving Bethlehem, PA to make sure your coverage is up-to-date and provides adequate protection. An insurance review is free with no obligation. Knowing your coverage is set properly brings a significant increase in your peace of mind.