Monthly Archives: September 2018

Is Lightning Damage Covered By My Home Insurance Policy?

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Lighting strikes are probably a lot more common than you think, with over 20 million strikes reported each year in the United States. Luckily, most basic home insurance policies will cover the damage caused by both lightning strikes as well as power surges and other electrical incidents. At the Saucon Insurance Agency, we are here to provide such coverage to our clients in the greater Bethlehem, PA area. 

How Your Home Insurance Policy Can Protect You from Lightning Damage

If your home is struck by lightning it may become uninhabitable, especially if the strike causes a fire. While a basic home policy will cover the damage to your property, it may not provide reimbursement for expenses relating to your temporary relocation. Additionally, there may be valuable items in your home that exceed the maximum coverage amount of your policy. It is highly advisable that you have a regular policy review of your entire insurance portfolio to make sure that your home policy provides adequate coverage to protect you and your family in the event of a lightning strike or other natural disaster. Basic policies will cover some damage to your home but may not be adequate to protect your belongings and other ancillary expenses that can arise after a natural disaster. Make sure that you have the right coverage in place now before you need it!

Want to learn more about lightning coverage and other protection that a comprehensive home insurance policy can provide? Call or stop by the Saucon Insurance Agency today to meet with one of our helpful agents who can review your home insurance options for your residence in the greater Bethlehem, PA area. 

How to Research State Auto Insurance Requirements

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When it comes to understanding auto insurance, there’s a good chance you have a lot of questions. What does the policy cover? Does it include rental car assistance? How about towing assistance? Can I use it if I’m stranded on the side of the road because I ran out of gas? All of these questions are good questions, and they definitely deserve to be answered. It’s also likely that you are wanting to know your state’s exact insurance requirements. By knowing what your state expects of you, it becomes easier to purchase a policy that keeps you in compliance with the law. Here at the Saucon Insurance Agency serving Bethlehem, PA, we’d like to share two tips for helping you understand your state auto insurance requirements. 

Use the Internet

First and foremost, you can always use the Internet to help you pinpoint your state’s insurance requirements. When using the Internet, though, it’s extremely important that you make sure you are researching sites that are reputable and legit. Ideally, you will want to visit a government website, one that ends in .gov, to ensure the information being shared with you is correct. 

Contact an Agent

You can also contact an agent at an insurance company to ask about state auto insurance requirements. Do keep in mind that some insurance companies only sell insurance in certain states, so when you call an agent, make sure he or she is experienced and knowledgeable of the insurance laws for the state you reside in. 

Lastly, you can always call an agent here at Saucon Insurance Agency serving the Bethlehem PA a,rea to learn more about the exact insurance requirements for PA.