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.