Riders you may want to add to your home policy

Home insurance offers a lot of protection to your house. It covers the building, the contents, and offers liability protection. These are all important coverages but some things are not included and these can be added with a rider. Riders are additional coverage that either expands the coverage you have or add additional coverage for things that are excluded from your original home policy. At Saucon Insurance Agency in Bethlehem, PA, we are here to help you get all the coverage you need. 

Jewelry 

Chances are if you have a reasonably sized engagement ring you may have maxed out the jewelry allowance on your standard home insurance policy. That means any other jewelry you have will not be replaced in the event of a theft or other covered peril. By getting a jewelry rider you can make sure what you have is protected. Be sure to have an appraisal done of valuable pieces and keep any receipts you may have. 

Electronics

If you have a high-end electronic or a lot of them. you should consider a rider to give you the protection you need. Be sure to keep the record of what you own updated to avoid any shock in the event of a loss. 

Home business

You may assume that since your home business is located in your home it gets full coverage from your home insurance. This is not correct and you must talk to your insurance agent to see exactly what coverage you have. Adding a home business rider can make sure your investment is protected. 

Sewer backup

Not only is this a disgusting thing to happen to your home, but it can also cause lots of damage. The bad news is, it isn’t covered with your home insurance policy unless you have a special rider. 

If it is time to update your home policy at Saucon Insurance Agency in Bethlehem, PA we are here to provide you the advantage of our knowledge. Stop by the office or give us a call for a free quote.

What is included with my auto insurance?

In the Bethlehem, PA area, owning a car is very common. Many people here end up purchasing a vehicle to ensure that they are able to get around town and complete their daily tasks. If you are in the market for a new vehicle, you should make sure that you get proper insurance coverage as well. A quality auto insurance policy is going to include a variety of different types of insurance coverage. 

Insurance Includes Liability Protection

One of the key advantages that come with an auto insurance policy in this area is that you will receive coverage for liability risk. Those that are at fault in any type of accident will need to pay for damages. If this does happen, your auto insurance will give you coverage up to the policy limit damages that you are responsible for. Additionally, having this coverage is a requirement that wants to drive a vehicle in this state.

Insurance Covers Assets

You will also want to have auto insurance because it can cover your valuable asset. A car is a major purchase that you need to protect. When you get auto insurance with comprehensive and collision coverage, you will be protected for almost any scenario that could result in a loss. This could be very valuable if your car is stolen or damaged. 

Those that are in the market for auto insurance in the Bethlehem, PA area should speak with the team at Saucon Insurance Agency. When you speak with the insurance team at the Saucon Insurance Agency you can learn a lot more about what your needs and options are when it comes to auto insurance. Based on this conversation, the team will then be able to help you get into a new policy that offers the right type and level of coverage.