How to Save On Your Home Insurance Costs

You are not boxed into paying a set price for your home insurance. There are a few different ways you can save on your home insurance costs, either by making a few different plan switches or by making some home improvements. Whatever you are looking for, Saucon Insurance Agency can help you save money insuring your Bethlehem, PA home. 

Up Your Deductible 

If you want to drop the amount you pay for the premium, the best way is to up the deductible. This will increase the amount of money you need to pay in order for insurance to kick in, but it will often substantially lower the amount you pay on your monthly payments. 

Security System Installation

A home security system is an excellent way to cut down on insurance costs. These systems reduce the chance of a break in. Most insurance companies also like knowing you are safe and sound. So, if you are ready to take the next step in home security, look towards a home security system. 

New Plumbing

If you live in an older home, your plumbing system may be significantly outdated. An outdated plumbing system makes your house susceptible to major plumbing problems further down the line. Anything from a burst pipe to leaks behind the shower can end up costing you tens of thousands of dollars in home repairs. By updating your plumbing, you may see a drop in insurance costs. Just make sure to inform your insurance provider of the updates. 

Whether you live in Bethlehem, PA or live somewhere else, the Saucon Insurance Agency is here to assist in protecting your valuable investment. With a handful of ways to save money on your home, follow these tips and you should see a nice drop off in your principal payments. 

The 50-50 Parking Lot Hit: What You Need to Know

You’re sitting in your car in a parking space at the mall and start to back out. You’re checking behind you on each side — and then you feel an impact. It’s very common to have a slow-speed fender-bender in which two cars back out of parking spots at the same time and hit each other. But this dual responsibility changes how your insurance policy might treat the accident. Before you assume that the other guy was at fault and that his insurance will pay, contact your agent, such as Saucon Insurance Agency serving Bethlehem, PA, to discuss further steps.

50-50 Responsibility, 50-50 Payment

These accidents are often truly neutral in terms of blame. Both of you share equal fault, even if the two of you really didn’t realize you were both backing out at the same time. In situations like these, it’s common for insurance agencies to split the payments. In other words, you might get reimbursed for half of the costs of repairing the damage to your car, and the same would happen in the other guy’s case. It’s entirely possible that adjusters would find one person more at fault than the other, but unless there are witnesses, surveillance video, or damage that is clearly not the fault of one party, the adjusters often write the fault of the accident off as split between both parties equally. And if the hit was slow enough, the damage might not even top your deductible, in which case you’d end up paying for all of the repair to your car anyway.

Contact your agent after the accident, even if you and the other party decide to forget about trading information. An agency like the Saucon Insurance Agency, serving Bethlehem, PA, can advise you what to do next.