3 Best Practices to Prepare for a Flood

Did you know that floods are the most common type of natural disaster in the U.S? Coastal and low-lying areas are particularly at risk, but flooding can happen anytime and anywhere. Floods are dangerous to human life, and they can be quite costly. Even a few inches of flood water cost tens of thousands of dollars for your home or business. The good news is, you can be ready long before it happens. Implement these best practices each day to ensure that you are flood ready! Saucon Insurance Agency is here to partner with you and share useful insider secrets about flooding tips for Bethlehem, PA residents.

1. Clean Up Debris

Are your gutters and drainage pipes clogged with last winter’s debris? Clear them now to get ready for heavy rains. Move outdoor furniture to a safe place, and secure any fuel tanks for good measure. 

2. Elevate & Waterproof

Make sure to elevate all of your critical utilities. This includes the electrical panel, wiring, and A/C and heating systems. You’ll want to be certain your appliances and important documents are high and dry too. If your home is in an area that repeatedly floods, consider elevating the entire structure. And make sure to waterproof your basement and have a sump pump for backup.

3. Review Flood Insurance 

Regular homeowner’s insurance doesn’t cover for flooding as it is purchased separately. Therefore, it’s important to review your flood insurance options especially if you’re in a flood zone. Saucon Insurance Agency can assist you with flood insurance coverage any time of the year. We are proud to serve our neighbors in the Northhampton, Leigh Valley, and Bethlehem, PA areas with our insurance expertise. Call us today and let us know how we can help!

3 Reasons to Have Liability Insurance for Your Toys

Playing with your ATV’s, snowmobiles, and other toys can be a lot of fun. It can be a problem, however, if someone is injured or an accident causes property damage. The agents of Saucon Insurance Agency are available to help residents who live in or near Bethlehem, PA protects their financial security by fitting them with the right toy insurance policy.

Injury Liability

Accidents happen and there are times when injuries occur. Having personal injury liability on all of your toys will protect you from financial loss if a person is injured while riding with you or if one of your toys happens to malfunction. Unexpected medical expenses can be costly for all involved. 

Property Liability

Colliding with another vehicle or crashing into a fence or building can cause extensive property damage. Your liability insurance will cover these damages so you don’t have to pay for them out of your own pocket. Playing with your toys can be costly if you accidentally run into someone and damage their property.

Protect Yourself!

Don’t lose your financial security! Purchasing a personal injury/property liability toy insurance policy protects you from devastating financial loss if the unthinkable happens. Being fully covered gives you a sense of security and peace of mind that allows you to enjoy the time you spend with your friends.

In Bethlehem, PA, schedule an appointment with one of their knowledgeable agents to find out how you can protect your financial security with one of their toy policies. Before you take to the trails or head out on your next adventure, find out what type of insurance best suits your needs!