Keep Your Home Safe This Halloween

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In just a few days, kids of all ages will begin swarming neighborhoods in Bethlehem, PA, searching for the best king-size candy bars. Trick-or-treating is a fun time for all involved, as children get candy and adults get to see kids’ costumes. Make sure Halloween at your home is fun and doesn’t result in an accident. We’ve compiled a short list of tips for staying safe on October 31.

Keeping Your Home Safe

Halloween decorations add to the fun festivities, but they also can create safety hazards. As you put up ghost, ghouls, and goblins, don’t forget to make sure:

  • your yard is clear of decorations that trick-or-treaters could trip over
  • all lit jack-o-lanterns are kept away from flammable items
  • your indoor decorations aren’t fire hazards

Safety doesn’t need to impede your decorating efforts this October, but it should be kept in mind whenever you put a decoration up.

Insuring Your Home Against Fire

Additionally, you might want to review your home insurance for coverage against fires. Even if you’re extremely cautious when decorating, a turned-over jack-o-lantern or burnt pumpkin seeds could start a fire. By maintaining a good home insurance policy, you can financially protect yourself from fires started by covered causes.

For help understanding how home insurance policies treat house fires, contact us at Saucon Insurance Agency. Our agents can explain what types of fires are typically covered by home insurance, and we’ll help you look for the specific coverage you need. If your policy doesn’t fully protect you, our independent agents can also help you find a policy that will afford enough protection.

To get in touch with us, contact us through our website. Have a great time decorating, and stay safe this Halloween.

Coverage Options For Students

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There are a lot of coverage options that you will want to consider as a student in Bethlehem, Pennsylvania. There have been a lot of changes that have been made by the Affordable Care Act, and they are going to impact you, whether you are an undergraduate or graduate student.

One of the first options that you have to consider is where you are going to get your insurance from. You may be able to get it from your school, by staying on your family’s plan, or as a single-payer plan. Each of these are options, and you will want to weigh the pros and cons of each, as well as the costs.

Another option is to consider the level of coverage that you need. You want to make sure that your basic medical care is taken care of, and potentially also vision as well as dental. You also want to look at how expensive it is going to be if you need to go to the emergency room for anything.

Even though you may be a healthy student, you have to look at the various options that are available for health insurance coverage. You want to make sure that your insurance is covering everything that you could potentially need so that you are spending less money out-of-pocket. This means you will want to explore the deductibles and co-pays with any policy that you end up getting.

At Saucon Insurance Agency, we are here to help you find health coverage as a student in Bethlehem. Call today and learn about some of the options that you have. We can provide quotes from multiple insurance companies across Pennsylvania and work with you to find a policy that makes sense for you and your budget, especially because you are a student.

 

 

Check for Multi-Policy Discounts After Getting Married

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Having a wedding in Bethlehem, PA many not be cheap, but getting married could save you money on your insurance policies. At Saucon Insurance Agency, we don’t recommend getting married just to save on auto or homeowners insurance. If you are marching down the aisle, though, there’s little reason not to save on your insurance premiums.

Many Insurers Offer Multi-Policy Discounts

One of the most common discounts that insurance companies offer is a multi-policy discount. Not all insurers will reduce your premiums for having more than one insurance policy with them, but many will. Since these discounts are often a percentage of your premiums, they can amount to a significant chunk of change.

While some individuals have multiple insurance policies, such as an auto policy, and a homeowners or renters policy, many people don’t carry more than one insurance policy when they’re single. Married couples, however, often have several assets they need to insure. If both you and your spouse drive cars, for example, you’ll each need an auto insurance policy. Once you’re married, many insurers will give you a multi-policy discount if you each purchase an insurance policy through them.

Independent Insurance Agents Find the Biggest Discounts

While many insurance companies in Pennsylvania offer multi-policy discounts, the amount you can save by having more than one insurance policy with one company varies greatly. The easiest way to see which company will give you and your beloved the best discount is to compare several policies with the help of an independent insurance agent.

If you don’t have a relationship with an independent insurance agent, contact us at Saucon Insurance Agency. You can reach us at any time through our websites, and we’d be happy to set you up with one of our agents who serve Bethlehem.

 

Pet Safety In Bethlehem: How To Keep Your Pets Safe In The Summer

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When you live in Bethlehem there is a lot that you can do to keep your pet safe during the summer. You may be home with your pets more often, and be doing more things with them. By knowing how they can be in danger with the heat and everything else that summer brings, you can be sure to keep them safer and healthier.

Some of the most basic tips you want to keep in mind include:

  • Giving them regular access to water
  • Putting them in a life vest when out on the water
  • Using foot protection for their paws
  • Keeping them indoors during the hottest parts of the day

You also have to remember that there are a lot of bugs in Pennsylvania, and many of them are in abundance during the summer months. Make an appointment for your dog or cat at the vet to talk about preventative medication for fleas and ticks as well as heartworm.

Overheating can happen to pets small and large. Many times, they become overheated because of not being hydrated sufficiently. You should always be aware of the signs and look for them regularly when your pets are outside. This includes a high body temperature of 103°F and above, dry gums, as well as excessive panting.

Some of the easiest ways to cool down your pet is by giving them a drink of water, draping a wet towel over them, and cooling down their feet. The summer can be fun, but it is going to be more fun when your pets are safe.

At Saucon Insurance Agency, we are able to answer all the questions you have about homeowners insurance in Bethlehem. Call us today and let us begin finding quotes from all of the top insurance carriers in Pennsylvania.

 

 

Statistics about Teen Driving

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You may not want to think about it, but the leading cause of death for people ages 15 to 20 in the United States is motor vehicle crashes. Fortunately though, by instilling positive driving habits in your teen, the chances of a fatal car crash are greatly reduced. Here’s a quick look at a few startling teen driving statistics you should be aware of. 

  • In the year 2012, there were 2,823 teenagers who died as a result of being in a car crash. Of those who were killed, more than 66% of them were male. 
  • 60% of teenagers who are involved in fatal car accidents are the driver, with 53% of the crashes taking place on the weekend – Friday, Saturday, or Sunday. On these days, teenagers are most likely to be involved in a fatal crash from 9 pm – 12 am. 
  • 54% of deaths that occur to teenage passengers occurs when a teenager is driving the car. 

Here are distractions that commonly result in teenage crashes:

  • Having too many passengers in the car
  • Having the music turned up too loud
  • Reaching for an object
  • Not keeping eyes on the road
  • Grooming

It’s your job to make sure your teen is getting the practice he needs to be a good driver. You should do your best to incorporate as many practice hours as possible in to your teens schedule before he goes to get his actual license. You should also set a good example by making sure you follow all driving laws. To learn more about teen driving, please don’t hesitate to contact Saucon Insurance Agency.

Clean Your Pa Home Faster With These Hacks

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Your home in Pennsylvania is where you spend a significant amount of time. You want to make sure that it is as clean as it can be – and there are some facts to help you clean every area of your home faster. Knowing these will help you to spend more time with your friends and family and less time with the chores.

Living Room

  • When you are trying to dust in your living room, use a lint roller. This will ensure that the dust doesn’t get transferred to somewhere else. It makes it easy to clean lampshades, bookshelves, and much more.
  • Use a dryer sheet on the air to help improve the smell and remove any built-up dust.

Kitchen

  • Use car wax over your flat top cooking surface so that it’s easier to clean the next time you spill something or grease splatters.
  • Use water with a little bit of distilled white vinegar in order to clean the hard to get dirt off of your kitchen tiles. This can be used on the floor as well as backslashes.

Bathroom

  • Stainless steel can look much older than it is because of hard water stains. Use powdered laundry detergent with hot water and let it sit on all of the stainless steel faucets, drains, and shower heads for an hour and then rinse it off.
  • Use shower gel as a way of helping to clean the bathroom tiles in your shower.

There are so many different cleaning hacks, and you will be able to speed up your weekly chores tremendously.

Call and talk to an agent at Saucon Insurance today and we can help you find a homeowner’s insurance you can count on. It’s a great way to save on a policy.

 

 

Sometimes Coffee can be a Lifesaver

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You’ve heard time and time again about the importance of staying awake when driving. And although this makes perfect sense, nearly 60% of adult drivers say they have indeed gotten behind the wheel of a car while being drowsy. So the question is, what can you do to help yourself stay energized when traveling long or short distances? Well, here’s a quick look. 

Drink coffee

If your body can handle above average amounts of coffee or caffeinated beverages, you should definitely consider drinking coffee while driving. Coffee isn’t the healthiest drink, but it is healthier than most sodas and sometimes coffee can be a lifesaver.

Get plenty of sleep

Another tip to follow is making sure that you get enough sleep each night before getting behind the wheel come morning time. Most physicians agree that anywhere from seven to nine hours of sleep are needed each night. When going on a long distance trip you may want to get even more sleep to help you prepare. 

Bring a friend along

Do you have a long business trip coming up? If so, why not bring along a friend. You’ll likely to get to deduct the expenses off on your taxes, or your company may reimburse you, either way when you bring a friend along who can drive, the length of the drive to your destination won’t seem so long. Plus, when you can take turns driving, this keeps the two of you, as well as other people on the road, safe.

For more tips on staying safe when driving, contact one of our local insurance agents with Saucon Insurance Agency serving the Bethlehem, PA area. 

How Independent Agents Can Help Your Allentown Business

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Oh, the things people don’t realize about us in Allentown, Pennsylvania. Most don’t know we are the third most populace city in the state or that we hid the Liberty Bell during the Revolutionary War. Hey, that’s pretty important right? We are a tough, hard-working community that has seen it all. We have had to adapt and re-create ourselves. Those who succeed here will continue to adapt and the future looks bright for them.

If you are a business owner in the Allentown region, you know you have to play smart. Every decision you make has an impact. Your decisions cost you or they benefit you. When it comes to your business insurance, we can help you make the right decisions.

We are independent agents in Allentown. That may seem like a simple statement, but what it means can save your company significantly. You see, agents who represent a single company can only sell the loss prevention products of the company they represent. They are called captive agents because they can only sell one brand of insurance. Some of these are solid companies with historic backgrounds, but they limit your choices. As an independent agency, we are not tied to a single provider. We offer the products of many differing companies, many of whom specialize in business and commercial insurance. This can mean better coverage at more affordable prices. At the very least, it provides you a choice.

Try us today. We offer comparative quotes online for homeowners and auto insurance on our website. If you like what you see, contact us for your business insurance. Let us show you how independent agents can help your Allentown business. We are confident we can help you save money.

The Two Biggest Things a Business Insurance Review Can Uncover

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By reviewing the 2010 U.S. Census, one can uncover that over 28% of the population in Fullerton, Pennsylvania have German heritage. You can also discover that there are 9 males for every 10 females who are 18 years of age and older in the area. Not earth shaking perhaps, but certainly interesting.

What could you uncover with a business insurance review? Well, like the Census, you could find a lot of details. Those details will fall into two major categories.

  1. What your policy covers and for how much. A business insurance review will tell you how you are covered in cases of fire and water damage. It will let you know if you have loss of income coverage. It will clear up if you have coverage for theft, storm damage and vandalism. A review will let you know about your liability coverage. It will also let you know the limits for each particular loss. You can then decide if the coverage you have is sufficient in today’s world.
  2. It will let you know if you are overpaying. After you get an insurance review, our independent agents can get quotes for your business insurance that will let you know if you are paying too much. Since we are an independent agency, we can compare with multiple companies, finding the best rates for you situation.

Saucon Insurance Agency is proud to serve Fullerton with personal and business insurance. A review of either will give you peace of mind and can very well save you money. We invite you to call us and get a no obligation, no cost review. If you prefer, visit our website and get a comparative quote on your homeowners or auto insurance.

We look forward to discussing your loss prevention needs soon.

From Winter to Spring: Surviving the Storms in Pennsylvania

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Those of us who live in Pennsylvania know the wide range of storms that can be produced here. From lake effect snowfalls in the extreme Northwest to hurricanes on the East, we just about get it all. Making the transition from winter to spring is a particular volatile time in the state. This is the time of the year we can experience deep snows, freezing rain, and high winds. They will soon transition into thunderstorms, heavy rains and the possibility of tornadoes.

Taking the brunt of most of this Pennsylvania weather is your roof. Your roof protects you and your family from the elements. It protects your furniture and other possessions from damage. But what protects your roof? Your homeowners insurance does, IF you have the right coverage.

Your roof is one of the largest exposed areas of your home. It can also be expensive to repair or replace in the event of damage. This is an excellent time to make sure your homeowners policy provides the protection you need. Contact us for a homeowners insurance review. There is no cost or obligation for the review. In a short time you will better understand your coverage and be assured there is more than just a roof covering you and your family.

If you prefer, you can get an online comparative quote on our website from the convenience of an internet connection. While you’re there, compare rates on your auto insurance. You see, we are an independent insurance agency giving us the ability to check with many companies to compare rates. This ability many times results in significant savings for our customers. Let us help protect you from the storm ahead. Contact us today and put us to work for you.