RV Insurance Requirements in Pennsylvania

So you’ve finally decided to buy an RV. Congratulations! Recreational Vehicles or motorhomes offer a comfortable way to camp, travel the country and/or just provide everything you need on wheels. But before you embark on any adventures near or far, it’s time to get that RV properly insured. Here’s what you need to know about RV insurance requirements in the state of Pennsylvania. 

The Basics

First things first: as with most other vehicles, the state of Pennsylvania requires drivers to ensure their RVs before they take them on the road. And if you are leasing or financing an RV, you most likely will be required to purchase insurance as per the terms of your contract. If you live in the Bethlehem, PA area, Saucon Insurance Agency can answer all of your specific questions regarding state insurance laws and contract-specific requirements. Now, in addition to having the proper insurance, it is also worth noting that in the rarer cases of an RV being over 26,001 pounds, the state also requires you to get a non-commercial class B license in order to drive it (and you will need to get this before you get approved for an insurance policy). 

Minimum Coverage Requirements

As a Pennsylvania resident, you must meet certain minimum coverage stipulations in order to legally drive your RV. This includes a minimum of $30,000 in coverage. Likewise, RV drivers must have specific coverage for medical expenses, property damage, and bodily injury. Whereas medical expense coverage must be in place for regardless of who is at fault, both property damage and bodily injury must– at the very least– cover others involved if you are determined to be at fault. 

Taking Things Further

Now, in addition to making sure you meet all of the minimum coverage requirements in Pennsylvania, you may want to get extra protection (for many people, this is a wise investment). For example, adding on uninsured/underinsured insurance to your policy can help you recover quickly from an accident involving a driver without insurance, as can collision (with stationary objects) and comprehensive add-ons. When you’re ready to take the next step, contact Saucon Insurance Agency. Serving the Bethlehem, PA area and beyond, we’re here to help you find the perfect policy to get your RV covered and fit your specific needs. 

Is Boat Insurance Required in My Area?

There is no better way to spend an afternoon during the hot summer days than on a boat. For those that are in the Bethlehem, PA area, owning a boat is a big investment and responsibility. Because of this, boat owners need to consider carrying boat insurance. There are several situations in which having boat insurance is a requirement for owners in the area. 

Loan on the Boat

One situation in which you will need to have insurance on your boat is if you use a loan to purchase the boat. When you buy a boat with a loan, the lender will have a lien on the boat at all times. Because of this, they will likely require that you carry a full boat insurance policy as long as the loan is outstanding. This will ensure that they can be repaid if the boat is damaged or stolen.

Local Requirements

In general, the state of Pennsylvania does not require that you carry boat Insurance. However, there are local areas throughout the state that do require that you have boat insurance if you are in certain areas. For example, if you are in a larger lake area with a local marina, you may be required by the lake association to carry boat liability insurance whenever you are on the water. This will provide liability coverage for you in the event of an accident.

If you own a boat in the Bethlehem, PA area, you should reach out to the Saucon Insurance Agency. When you meet with the Saucon Insurance Agency, you can receive more guidance into what your boat insurance requirements are. They will also be able to review your requirements and particular situation to ensure you get a boat policy that provides you with good coverage and also stays in compliance with all regulations.

How to Protect Your Business Against Slip and Fall Claims

Like most situations in life, the best way to protect your business from slip and fall claims is to do what you can to avoid them in the first place. Here are some effective ways to prevent slip and falls at your business:

  • Clean up any spills immediately and also post warning signs until the area is completely dry.
  • Repair any areas where there are uneven floors, carpeting seams, or other abnormalities that could cause a fall.
  • Keep all hallways and aisles free of items that could cause someone to trip or fall.
  • Make sure that all steps and transitional areas have the necessary handrails and other safety equipment.
  • Don’t forget about outside areas, keep parking lots and sidewalks free of debris and patch any potholes right away.

Of course, accidents can happen even when all of the above precautions and more are taken. Saucon Insurance Agency advises all of our business clients to carry liability insurance that is sufficient to protect them from any slip and fall claims at their businesses in the Bethlehem, PA area.

Liability insurance can protect you if a customer has a mishap at your place of business. Additionally, it can protect you if an employee is the one who falls, and certain policies will provide protection from a claim and also cover expenses related to an employee claim. Having the right insurance can make the difference between a terrible situation and one that can have a lasting effect on your business.

At Saucon Insurance Agency, our here to help you make sure you have the appropriate insurance and at the right coverage levels. Call us today to schedule a consultation, we are proud to serve fellow business owners in the greater Bethlehem, PA area.

Tweaking Your Umbrella Insurance For Maximum Effectiveness

People in Bethlehem, PA may wonder what umbrella insurance is and why it is a great choice for their home. We at Saucon Insurance Agency believe that many people, with a few tweaks, could use umbrella insurance for their needs. Here is how you can find the policy that works for you.

Identify Issues That Could Impact You

Umbrella insurance is designed to cover problems that other policies do not cover. For example, you may own a large down that is not covered by your home insurance policy. However, umbrella insurance can be tweaked to include dog bite liability. You can also find other types of coverage that are right or your needs.

Research Umbrella Policies That Include Them

Talk to your insurance provider about your unique needs and discuss what kinds of policies cover them. Most will be able to find an umbrella policy that meets your needs. They will add specific coverage types, depending on what you ask, and find a high-quality insurance type that keeps you and your home safe.

Adjust Your Policy Properly

Once you know what kind of coverage you want for your home or property, you can adjust your policy to meet it. For example, you can get dog-bite coverage if you own a dog but avoid other types, such as slip and fall liability, if your home rarely suffers from wet weather. You can also adjust your premiums and co-pays to find a rate that works for you. Talk to your policy providers to find a rate that works for both of your needs.

Interested In Umbrella Insurance?

If you find that your Bethlehem, PA home or property could use extra coverage, contact us at Saucon Insurance Agency. We will work to find a policy that works for your needs and will create umbrella insurance that protects you in unique and specific circumstances.

What are the Minimum Auto Insurance Requirements for Me?

Driving a car is a necessity for many people.  At the same time, it is a very important responsibility that all people need to take seriously.  If you do own a car and drive it on a regular basis, having auto insurance in place is a necessity.  There are several auto insurance requirements that all Bethlehem, PA area residents need to be aware of.  Saucon Insurance Agency will be able to help ensure you get into a policy that allows you to meet these requirements.  

Liability Coverage

Similar to other states, Arizona requires that all drivers carry liability insurance on their vehicle whenever they are on the road.  For drivers in Arizona, the minimum coverage requirements are $10,000 in property damage per incident and minimum bodily injury coverage of $15,000 per person with a cap of $30,000 per accident.  While this is all that you are required to carry by law, it is recommended that you get higher liability insurance coverage levels to ensure you are properly protected. 

Collision and Comprehensive

While you are only required by law to carry liability insurance on your car, it would still be a good idea to get collision and comprehensive coverage.  This will provide you with financial coverage if your car is stolen, damaged in an accident, or vandalized.  Furthermore, if you have a loan or lease out on your car, you will be required by law to carry this type of insurance.  

For those that are looking for a new car insurance policy in the Bethlehem, PA area, speaking with the Saucon Insurance Agency would be a great option.  This company will be able to provide you with a variety of services to ensure you are properly protected and in compliance with all relevant requirements.  

 

When to Consider Umbrella Insurance

There are all kinds of different insurance policies that are available in the market. With so many to choose from, it can be difficult to determine which are the right ones for you and your needs. You definitely do not want to get an insurance policy just to have it but if it would be beneficial to you, you may want to consider it. An umbrella insurance policy is one of those that many people do not quite understand. Here at Saucon Insurance Agency, serving Bethlehem, PA, we know just how great of an option it can be if it works for your needs. 

For most people, other types of insurance are just enough for their coverage. However, you may want to consider getting umbrella insurance if you simply cannot get the coverage you need from a standard policy. For example, if your home or vehicle is worth more than what you can get in coverage through a home or auto policy, an umbrella insurance policy can cover the remaining. It is also a good policy for those who throw a lot of parties with a lot of people because it provides added liability protection if something were to go wrong. It is also a good option for anyone that is well known in the community because it provides help with slander cases. 

If you think that an umbrella insurance policy would be a good option for you, be sure to reach out to us here at Saucon Insurance Agency, serving Bethlehem, PA, today. We can help you explore your options and verify that it would be a good insurance option for you. We will even provide you with a free quote that meets your needs and budget. 

How Your Motorcycle Insurance Agent Can Help

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.

Don’t Play Around With Your Insurance

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.

Protecting Your Livelihood with Umbrella Insurance

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.

Is RV Insurance Required for Me?

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.