As a renter in PA, you are wise to secure renters insurance, regardless of what your rental living situation is like. In any situation where you rent the space where you live, you are solely responsible for protecting your property with insurance coverage.

Many people assume that their landlord’s homeowner’s policy will provide coverage for not just the building but also everything within it. In fact, the homeowner’s policy held by your landlord will protect only the physical structure of the home itself in cases where a renter is living in the building.

A renter’s insurance policy is designed to cover all of your personal possessions. Generally this will cover all your property of nearly any type (for example clothes, furniture, books, electronics, and jewelry) but will it will exclude vehicles (for example, if you have a motorbike inside your rental home it needs to be covered by a separate auto insurance policy.)

There are a number of ways in which your property might become damaged or your property could be destroyed or stolen. Renter’s insurance will cover the great majority of these circumstances. While renter’s policies do vary from company to company and from one policy to another, most of them will cover perils such as:

• Fire damage
• Lightning damage
• Wind storm damage
• Ice damage
• Damage due to explosions or explosion debris
• Smoke damage
• Vehicle damage (if not caused by your own vehicle)
• Vandalism
• Theft
• Electrical system malfunction damages
• Damage due to water leaks

In most renter’s policies, there are also other specific types of loss or damage that will be covered. It is important that you review your policy fully with your agent to gain the best understanding of your coverage.

It’s easy to find the best coverage for your budget by comparing insurance quotes with Saucon Insurance Agency! We are available online or by phone to give you policy quotes and answer questions anytime.

Boat insurance is an important part of protecting your asset, but it is not a legal requirement in Allentown, PA. The state does not have a minimum standard that you must follow to protect other boaters or yourself, but that does not mean it is not wise to seek coverage for your asset.

Liability Plans

Generally, you should obtain some protection against liability concerns because there is always a risk of injuries that can take place on your boat or that you may cause in an accident. Recognizing the risk and taking measures to protect against the situation can help you avoid unnecessary financial strife.

Although it is wise to purchase a policy, it is not required by the state. You will not need proof of insurance when you register a new boat and the state does not have any minimum standards related to liability protection.

Additional Coverage

Any additional coverage that exceeds liability is a personal choice. You can purchase coverage to pay for damages to your boat in case a fire, storm or other situation arises that causes damage to your boat. You may also want to consider coverage against injuries if you are injured while fishing or using the boat for an outing.

The details of any plan can vary, so you may want to read the policy thoroughly before you determine that is appropriate for your goals and concerns. The best plans will depend on your personal preferences and concerns.

State laws may impact your insurance options, but it is not a direct concern when you are purchasing a boat. The state does not have minimum compliance standards, so you can purchase a plan that suits your goals and preferences. To learn more, contact us to talk to an agent today.

Business owners in the Northampton PA area might already know that insurance coverage of some type is necessary, but not everyone knows very much about the details of commercial insurance plans for businesses in Pennsylvania. Essentially, this type of insurance plan is designed for protection of your company, and it will accomplish this is several different ways.

First, commercial insurance coverage will be your company’s primary legal protection from lawsuits and other legal actions. If one of your customers claimed that they were injured while they were on your property (or even while they were using a product you made while not on your property) they could potentially be awarded a very award in court. Your commercial coverage is there to pay for those costs, as long as they are proven to be legitimate damages in court.

In the event that a person tries to claim false damages, your insurance company will defend you to prove that you (and by extension, your insurance company) don’t owe any damages since the claim is not legitimate.

The majority of business owners who seek out commercial coverage also need to get property coverage. This is often included as one of the main parts of your commercial policy, and it will cover not only the land and buildings where your business is, but will also cover all your business equipment (and anything else that is on your business property.)

Many business owners also have employees, and for those people worker’s compensation insurance is usually included within the commercial policy. The state of Pennsylvania does require that company owners have this type of coverage, so it is dual protection: It protects your company and it keeps you legal.

Don’t get caught without the level of commercial insurance coverage you need. Instead, you can easily compare quotes with our Saucon Insurance Agency representatives in just minutes. We can help you find out the options you need to ensure your company and your employees stay safe and secure.

There’s nothing like the feeling of the wind blowing through your hair as you hit the open road on your bike. But before you can listen to that engine purr, you’ve got to attend to some paperwork like making sure you have the insurance coverage you need to protect you when you’re out there enjoying the sunshine on the roads around Allentown, PA.

Finding the perfect motorcycle insurance policy doesn’t have to be a headache in fact, after a little research and comparing of quotes, it’ll be no time at all before you’re out on the highway.

1. Know the state minimum requirements.

Check with the Pennsylvania Department of Transportation or a local insurance agent to make sure you purchase the minimum required liability coverage for motorcycles in the PA area. If you’re new to biking (or new to the state), it’s also a good idea to brush up on motorcycle laws in PA, as well regulations about helmet use and other protective wear varies widely from state to state.

2. Compare quotes and coverage options.

Like regular auto insurance, you’ll have lots of options for motorcycle insurance policies from basic liability insurance to policies that cover collision, personal property damage, and medical expenses in case you’re in a wreck. Take the time to list the types of coverage you definitely want to have, then compare a few different policies to find the best deal. when in doubt, talk to an independent insurance agent to get an idea of what the different types of policies actually cover and what they’d suggest for you.

3. Read your policy well.

Before you sign on that dotted line, make sure to read all the fine print and if you don’t understand exactly what is and isn’t covered, ask your insurance agent to clarify. Now is the time to make sure you know what you’re getting into and what your investment will pay for.

Commercial or business insurance for small business in PA is a crucial investment in your business. This is because it gives you financial coverage if an accident or an unexpected event threatens your company’s well-being. It affords you protection in several areas and can help make sure your business remains financially sound if you suffer a loss or if you’re liable for a customer’s or business associate’s injuries.

What You Need To Protect

You can get commercial insurance to protect just about every aspect of your business. Popular policies include the following:

• Automobile Insurance
• Business Interruption Insurance
• Errors and Omissions Insurance
• Fidelity Bonds
• Property Insurance
• Workers Compensation

This list is not all-inclusive, and you might not need every policy listed. For example, if you don’t have employees, you don’t need workers compensation insurance. Some areas are critical. For example, if your clients dependent on your advice to make financial decisions, errors and omissions insurance is a must have. This is because if you give advice that causes your clients to lose a lot of money, they might sue you. Errors and omissions insurance takes care of your legal and court fees. And, if your found liable, it pays the damages.

Compare Scenarios

Given the many areas that you need to protect when you own a business, you might worry about the cost of insuring it all. Don’t put off getting insurance because you fear the cost. Instead, try out the quote system on our website. You can use it to compare quotes, mixing and matching several coverage scenarios.

It is crucial that you get adequate insurance for your business. This makes it equally important to work with business insurance agents. Call us today. As your small business insurance agents, we can show you the areas where you might be vulnerable. We’ll then help you choose policies that protect you when unforeseen events occur.

A septic system backing up is a problem that may not be part of a basic commercial insurance policy, so you may be recommended to purchase coverage against the potential threat. When you purchase a commercial policy that includes sewer backup coverage, you may assume that it will always pay for the damages to the property. Unfortunately, the situation can play a role in the options that are available for your company property.

A Backed Up System

In most cases, the additional protection will pay for any damages that are directly related to the sewer backing up and damaging the property. The coverage is specifically designed to address the possibility of a backed up septic or sewer system, so your business property may be protected from some basic damages.

In the Case of Flooding

Even though you may be covered in most situations, it is possible that any sewer or septic system that backs up into your company property during a flood may not be covered. Many commercial insurance policies can have limitations on the coverage that is provided for flood damages, so your policy may or may not cover a backed up septic system if it relates to a flood in the area.

When your insurer has limitations on flood damage, it is possible that your property is not protected in that particular situation. Insurers vary, so the details of your plan and the situations that may be covered can differ between companies and policies.

A sewer backup policy is only one area of coverage, but it can help in certain situations. Depending on your plan, it may or may not cover damages to your property. Contact us to talk to an agent for more details about your options and commercial coverage.