Do I really need toy insurance for my golf cart?

Many people use golf carts as a fun and convenient way to navigate small distances. They are easy to drive and have just enough speed to quickly get you from point A to B. However, all that fun and convenience may make it hard to recognize that a golf cart is a moving vehicle which carries with it a certain amount of risk. This is one of the many reasons why toy insurance is a smart and safe investment.

As with any moving vehicle, accidents can happen. Although golf carts don’t have a lot of speed and they aren’t cars, there’s still an element of risk when it comes to injury to others or yourself, and damage to property in the event of an accident. Toy insurance creates peace of mind in that it provides a certain amount of protection from liability by covering some or all of the cost for damage to other people’s property or injury to others. Like car insurance, it provides protection for the golf cart, you, property, and others. The protection also includes medical bills. 

Not Required Everywhere…but Helpful…
Golf cart insurance isn’t required in every state. However, the protection provided by toy insurance is invaluable and can prevent you from having to pay for damage to other people’s property, in the event of an accident, or injury to others, with your own money. Accidents can be quite costly. Many of us simply wouldn’t have the money to cover the cost of an accident or damage to someone else’s property. Basically, if you’re going to move it or drive it you can benefit from coverage that can and will protect you in an unforeseen accident. The Saucon Insurance Agency of Bethlehem, PA is dedicated to helping people understand the benefits of toy insurance. If you own and operate a golf cart, toy insurance can provide practical benefits as well as peace of mind. Give us a call. We’re here to answer your questions. 

Common Misconceptions About Flood Insurance Pennsylvania Residents Should Avoid

Saucon Insurance Agency assists the Bethlehem, PA community through providing residents access to multiple types of insurance policies. As an independent agency, we have established successful partnerships with multiple insurance companies. We are committed to helping our clients find the coverage that they need to protect their assets.

Common Misconceptions About Flood Insurance

Potential flooding is a threat that many homeowners have to deal with in today’s ever-changing weather conditions. Flood insurance gives you a security net so that you are covered in the event of an emergency. While you are researching different policies, be aware of some common misconceptions regarding flood insurance.

Flood Insurance Should Not Be A Priority

Even if you reside in an area of Pennsylvania that has a low risk of flooding, you should still consider the benefits of flood insurance. A severe storm or natural disaster can happen at any time. Flooding can cause serious damage that you do not have to worry about because you will be protected through your flood insurance policy.

What If I Don’t Own A Home

Even if you don’t own a home, you may still be at risk. Flooding can cause damage to apartments and condos as well. Without flood insurance, you risk being unprotected in the event that your property and valuable possessions are damaged.

All Water Damage Is Similar

Be sure to check the language in your policy carefully. If your property is damaged due to a leak in your water heater of a broken pipe, that may not be covered under flood insurance. Consider elevating some equipment and plumbing above floor level.

Saucon Insurance Agency Can Help You

For over 100 years, we have proudly served the Bethlehem, PA community. To learn more information about how we can assist you, please visit our website.