Monthly Archives: September 2022

Three reasons you should have comprehensive auto insurance

Posted on by

Ideally, automobile owners should carry comprehensive auto insurance and liability and collision coverage. Saucon Insurance Agency can meet the auto insurance needs of vehicle owners in Bethlehem, PA. 

The following are three reasons why automobile owners should have comprehensive auto insurance. 

Automobile damage caused by events like flooding and theft is not uncommon.

Standard collision coverage won’t compensate a motorist for damage to their vehicle that results from incidents such as flooding and theft. At the same time, these events often cause financial loss for vehicle owners. That’s why comprehensive coverage is essential for complete auto insurance coverage. 

It can be stressful not to carry comprehensive auto coverage.

Auto insurance coverage should make it less stressful to own a vehicle. Going without comprehensive coverage can leave a motorist worrying about the loss of a vehicle due to theft, flooding, and other incidents such as fires. With comprehensive coverage, motorists have less to worry about and know that they are fully protected in the event of any damage to their vehicle. 

A comprehensive coverage policy may not be much more costly than a liability and collision policy alone. 

When motorists invest in comprehensive coverage, they get a lot of coverage by only spending a little more on their policy. Most motorists find that they only have to pay slightly more for comprehensive coverage than they have to pay for a more basic policy that only offers collision coverage to protect their vehicle’s value. 

Vehicle owners in Bethlehem, PA can benefit from investing in comprehensive auto insurance coverage. Get in touch with us at Saucon Insurance Agency today to learn more about auto insurance coverage!

Will my homeowners insurance cover the damage I caused to my neighbors’ mailbox?

Posted on by

Homeowners insurance carries many benefits that create peace of mind regarding unexpected incidents and accidents. Hitting a neighbor’s mailbox is one such accident. Homeowners insurance is designed to protect you, your home, your belongings, other people’s property, injuries, and other incidents you’re liable for. 

Other People’s Property

Accidentally hitting a neighbor’s mailbox isn’t necessarily common, but it’s good to know that your homeowner’s insurance will probably cover the repairs. A damaged mailbox is considered property damage, which is covered under your homeowners’ insurance policy. However, your insurance company will consider how the damage occurred and whether or not it’s a covered loss under your specific policy. Property damage to neighbors’ mailboxes, garages, or even cars is often covered under a homeowners’ policy, but there are circumstances where the damage might not be covered. If the damage isn’t covered, you may be responsible for paying for the damage out of pocket. 

However, the answer to this question depends on your specific insurance policy and how the situation occurred. Typically, a mailbox is considered an outdoor fixture part of a homeowner’s property. Your insurance agent will consider the terms of your policy and the types of coverage, as well as how the situation occurred. 

If you have questions about homeowners insurance regarding what’s covered, call us. Our team at Saucon Insurance Agency is happy to help Bethlehem, PA residents obtain the coverage they need. One of our licensed agents would be glad to answer questions and discuss coverage options.