During a storm, a tree from my neighbor’s yard fell and destroyed my fence. Does my homeowner’s policy pay for the damage or does my neighbor’s policy in Bethlehem, PA?

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When it comes to insurance there are a lot of things that are covered when your home is damaged. The damage to your home can happen from a lot of different sources. To help protect your home from storms that can come up suddenly you will need the coverage of a home insurance policy in Bethlehem, Pennsylvania. Here are some scenarios where your home policy will need to be in place before you can get the coverage you need.

Scenarios Where Your Homeowner Insurance Policy will Protect Your Home

  • If a storm moves through the area and your neighbors tree falls on your fence and it is destroyed, then your home policy will have to be the source to file a claim.
  • Flood waters can damage a lot of your property. If a flood happens and your neighbors car is smashed into your home, then you will need to have a flood insurance policy to pay for the damages.
  • If lightening strikes your neighbors home and a part of it damages your home, then you agent will look at the source of the damage to determine what or who is at-fault.

Your home is your major investment and will need the best kind of protection against all of the perils that can affect your home. To help you get the best kind of protection you will need to call your independent agent for help. As your agent we can help evaluate your policy and make it fit your protection needs. Give us a call today and let us work for you to protect your home.

Are Dog Bites Covered Under my Home Insurance Policy in Bethlehem, Pennsylvania?

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When you have a dog in the family, you may worry about the possibility of facing problems in courts as a result of a bite or other action by the pet. Although a home policy may provide coverage for a dog bite in Bethlehem, Pennsylvania, companies have different regulations that may prevent a dog from being covered under the current plan.

Typical Coverage

Many insurance plans in Northampton County will provide some protection for homeowners when a dog bites visitors to the home for any reason. The basic liability plan may cover hospital expenses and a potential court case that results from the actions of a pet.

While the general plan will cover the situation, certain pets might be excluded from protection due to the higher risk of bites than other dogs.

Exclusions

Although different insurers will have various plans available, some insurance companies will exclude certain breeds as a result of the higher risk of bites. Dogs that may be excluded from a plan include wolf hybrids, Pitt Bulls, Boxers, Great Danes and German Shepherds.

Before assuming that the company will provide liability protection if your dog bites another individual, look through your policy and find out if the breed is excluded from coverage. The company might exclude certain breeds or it might not, depending on the plan and the insurer.

Bites from a pet are often included as part of a liability protection plan in your home coverage, but the exact coverage that you have will impact the possible options. Since certain dogs might be excluded from liability protection, read through your policy and call the company to ask questions before you assume that you are protected. To learn more about liability protection for pets, contact us to talk to an independent agent.

What type of insurance Is a best fit for banks and hospitals in Bethlehem, Pennsylvania?

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Insurance in Northampton County, Pennsylvania is designed to protect the financial interest of companies and people alike. Banks and hospitals are at great risk for major losses financially if something was to happen to the company or the people that work for them. Here the types of insurance that banks and hospitals should look at having to protect their financial interests.

Insurance for Banks

Banks have a lot of things that they are responsible for. Some types of insurance that the bank will want to have may include:

· Workers Compensation – This benefit covers an employee that gets injured while on the job. The injury could be as simple as a fall or as complicated as multiple fractures that will require rehab and a long recovery.

· Mortgage Insurance – Covers the lender if the property is damaged or the borrower fails to repay the loan. If the property is vacant or foreclosed on, then this covers for damages that are peril related.

· Liability Coverage – This insurance covers any injuries to customers that are robbery related or just hurt while on the premises.

Insurance for Hospitals

Hospitals are places that have a lot people coming and going and that care for well-being for others. Here are some insurance basics that they will want to consider:

· A hospital will need to have worker’s compensation to cover the injuries to their employees.

· Liability insurance for medical facilities protects workers from malpractice, equipment failure and other things that the hospital could be responsible for.

· Disability insurance takes care of issue related to people who have been laid off for circumstances that are not their own fault.

If you live in Bethlehem, PA and have questions about commercial insurance, then you need to contact your own independent agent today. As your agent we can help fit you with the best insurance for your needs. It’s important that you give us a call so that we can give you specific details for your circumstances so your needs are met in the right way.

In Bethlehem, Pennsylvania , Will my Home Insurance Pay for the Removal of Ice Accumulated in my Pool?

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When ice has accumulated in your pool, you may worry about the removal cost. Although your pool may be covered under a home insurance policy in Bethlehem, Pennsylvania, it may not always pay for the removal of ice that accumulates during the winter months.

Maintenance Exclusion

During the winter months, it is your responsibility as a homeowner to winterize your pool and prepare it for the upcoming changes in the weather. If you do not take proper measures to protect your pool from ice and frost damage, then it may not be covered under your policy.

In many cases, an insurance policy has exclusions related to the cost of regular maintenance. If the damage to your pool is the result of your negligence in Northampton County, then you may be responsible to pay for any repairs or expenses.

Differences in Policies

While many companies will exclude maintenance costs, situations arise that do not allow you to take proper measures to protect your property. In that situation, you may be covered for the expense as long as your insurer allows you to make a claim.

The ability to make a claim will vary based on the situation and the policy that you purchased. Read through the documentation that was provided when you obtained coverage to determine if you are eligible to make a claim as a result of the current situation.

Insurers have different guidelines and policies that determine whether you qualify to make a claim in certain situations. Although many insurers will not remove ice accumulation from your pool, you may be covered if it is not related to regular maintenance. To learn more about protecting your home, contact us to talk to an independent agent.

Will my credit score still vary in Bethlehem, Pennsylvania, If I prove them that the accident was caused due to a break fail?

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If you are driving down the street in Bethlehem, Pennsylvania and slam into a telephone pole because of a break fail, your full coverage auto insurance policy will pay to have your car repaired. If the accident in Northampton County was caused because your brakes failed when you tried to stop, it is unlikely that single incident will cause your credit score to drop.

While it is true that your credit score is one of the factors used by your auto insurance company to set the premium on your policy, it is also true that the score is more affected by the number of accidents you have rather than the reason that caused the accident.

So, if you take your car down to your local Bethlehem mechanic and get him to certify that your brake pads were worn or you did not have enough brake fluid in your cylinder that is not going to have an impact on whether or not your credit score will drop down or move up a few points.

In fact, your failure to properly maintain your car is most likely the reason that you had brake failure. Your insurer may consider the fact that you are irresponsible about maintaining your car in safe operating condition and consider you to be a higher-risk driver. From another viewpoint, if you can prove that somebody sabotaged your auto by cutting the brake line, then, your auto insurer will not put any negative mark against your credit score.

As your independent agent here in Northampton County, Pennsylvania, we understand that you are concerned about getting a lower credit score and having it result in a higher insurance premium bill to pay. Rest assured, Insurance companies use insurance credit scores as only a small part of their overall risk assessment process when writing a policy.

Will liability car insurance cover injuries to people on public transport caused due to a major accident in Bethlehem, Pennsylvania?

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If you live in Bethlehem, Northampton County, or anywhere else in the state of Pennsylvania and want to drive a car, you must have auto insurance. Pennsylvania state insurance laws require you to carry a minimum amount of bodily injury and property liability insurance to help cover any liability you may have to other people should you be involved in an accident.

The required minimum coverage of $15,000 for one person and $30,000 for all people in a single accident may be adequate for minor accidents, but hardly enough if you get involved in a major accident where many people are hurt. If, for example, you hit a public transport vehicle like a city bus, your liability could soar into the millions.

Injuries caused to people on public transport are covered up to the limit of your liability coverage on your personal auto insurance policy. If your liability coverage is not enough to pay for any valid claims filed against you, your Bethlehem house and all of your personal assets could be at risk.

Car liability insurance covers any accident, whether it is to a public transport vehicle, a commercial truck or a passenger vehicle. The big issue is whether or not you have a sufficient amount of liability coverage, especially if you are found to be at fault in a major accident that injures or kills many people.

As your independent agent, we always stress the importance of having the right amount of auto insurance coverage. You should consider the consequences of not having enough liability insurance to cover major accidents with multiple injuries. Not only could your home and other assets be put at risk, but you may even have to make payments for years to compensate the accident victims for their injuries.

Please give us a call and an independent agent will be happy to review your policy and see if you are property insured and well-protected just in case an accident happens.

Is there a comparative site for quality car insurance in Bethlehem, Pennsylvania?

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When you are shopping for car insurance that will keep you covered in Bethlehem, Pennsylvania, you don’t have to look with just one company. You can visit a comparative site and consider multiple options when you browse for insurance online with your independent insurance agent.

Benefits of Comparing Car Insurance Companies

Like with any product that you buy, expanding your options increases the quality of the insurancepolicy that you end up with. This is why it’s more convenient to browse through numerous companies at the same time rather than looking up insurance companies one at a time.

When you compare car insurance policies online, it makes it easier to determine which companies offer the best rates, which companies offer the forms of coverage that you need, and which companies have the best perks for drivers. Comparing car insurance companies in one place makes it easier to take advantage of loyalty programs, discounts, and introductory offers.

How an Independent Agent Can Help

Don’t visit the website of a major carrier if you are looking to compare insurance quotes. The website of a single insurance company will only contain information that is flattering to their insurance products, but will leave you with little information for comparison. Instead, stick with the website of an independent agent who is authorized to carry insurance policies from multiple providers so that you can make the best choice. When you visit your independent agent online, you will immediately gain access to information on high-quality insurance providers in Northampton County.

However, a website is only a tool, and sometimes it doesn’t tell you the full story or provide all of the information you need. If you are comparing auto insurance policies online and still need help finding a policy that fits your needs, don’t hesitate to call us today to speak with an independent insurance agent.

Will I be charged in Bethlehem, Pennsylvania , If I get help from an independent agent in finding the best home insurance?

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If you are looking for a great deal on insurance for your home in Bethlehem, Pennsylvania, look no further than your independent insurance agent. An independent agent carries policies from multiple insurance companies who serve Northampton County and can help you find the best policy that suites your needs. While your independent insurance agent is in the business of selling insurance to you, you don’t have to worry about being charged for the convenient service that they offer.

How an Independent Agent Gets Paid

You may be wondering how an independent agent makes money if they aren’t charging you to connect them with different insurance companies? The answer is actually quite simple. Independent agents receive a commission from the insurance companies from which the carry insurance policies. So when an independent agent sells you a policy, you don’t have to worry about paying the agent for his or her time. An agent’s paycheck comes from the insurance companies that they represent.

What it means For You

Because independent agents carry multiple lines of insurance for you to choose from, they tend to be more honest in the commissions game. An agent who carries insurance from a single company really has to get you sold on that company, whether they have the best policies or not. Because it can be hit or miss with customers who may not care for the particular company they represent, these insurance agents may feel more pressure to sale you expensive policies to make up for lost commissions.

Since independent agents can carry several policies, they are less worried about a potential customer walking out the door without seeing something they like. Thus an independent agent can focus less on hooking you on a single company and focus more on helping you determine which carrier is truly the best fit for you.

To protect your home with a policy suited to your needs, contact us today to speak with an independent agent.

Will my Home Insurance Cover Theft of my Kids Bi-cycle/Bike Parked Inside my Premises in Bethlehem, Pennsylvania?

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When a child’s bike is stolen from the yard of your home in Bethlehem, Pennsylvania, it is usually covered by a home insurance plan. Most insurance companies will cover the theft of a kid’s property that was inside the home or yard in Northampton County.

Protecting Personal Property

Although each insurer will have a different plan and policy for your house, most companies will provide basic coverage to protect the personal belongings of every family member. Even the belongings of children who live in the house are covered, regardless of the particular item.

As a result, the bike that was parked inside the premises of the house is protected under most policies because it is a personal belonging that a child in the house owned.

Providing Proof

While the company should provide some basic coverage to pay for the theft of property, you may need to provide proof of the property before the company will pay for the replacement cost. Proof can come in the form of a receipt, pictures of the bi-cycle or any other document that shows that the bike was owned by the family.

Send the proof of ownership to the insurer when you make a theft claim. You may also be required to make a formal police report since it is a case of theft.

Protecting personal property from theft is part of the average homeowner’s insurance plan, so you should be covered if a child’s bike is stolen from the yard, your garage or inside the house. If you are not sure about the coverage you have on your house, call the insurer to determine if the property is protected. To learn more about protecting your home, contact us to talk to an independent agent.

Will my Commercial Insurance Cover Injuries Caused Due to a Lift Accident at my Office in Bethlehem, Pennsylvania?

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When an accident occurs in your office in Bethlehem, Pennsylvania, you may worry about the possible liability implications. The injured parties may decide to take your business to court as a result of a lift accident. Since the accident may have caused major injuries or even stolen the life of an individual, the situation is worrisome to any business owner. Fortunately, commercial insurance covers liability in case accidents occur in your office.

Basics of Liability

In many cases, you will be covered if an accident occurs in your office or the building where your office is located in Northampton County due to the liability protection. Even if you are not responsible for the maintenance of the lift, the injured parties might attempt to sue your company due to the injuries and their reason for being in the lift at the time of the accident.

Liability protection will help pay for the medical expenses and legal costs if you face a court case as a result of the situation.

Possible Variations in Coverage

Although many companies will provide some basic liability coverage, the amount that you have and the situations that are covered will vary. In some cases, you may be fully covered. Other insurers may provide only partial coverage or have exceptions that prevent you from making a claim. Contact your insurer if you are not sure about the specific exceptions so that you can gain an explanation if you do not know if the situation is covered.

Commercial coverage is designed for the needs of businesses. As a result, you may be covered when accidents occur in or around your office. To learn more about commercial coverage, contact us to talk to an independent agent.