Why Every Homeowner Needs Flood Insurance

When you purchase your home, you understand the need for a home insurance policy. However, many aren’t aware of the importance of having a flood insurance policy in addition. As a homeowner, it’s crucial to have both these policies in place to protect your home against varying risks. Should you require a flood policy, call us at Saucon Insurance Agency in Bethlehem, PA.

Why Do You Need Both?

You might question the necessity for flood insurance if you already own a home insurance policy. Standard home insurance does not cover flood damage, it won’t compensate for damage caused by flooding, leaving your property vulnerable. Having a flood insurance policy ensures coverage in case flooding disrupts your home.

Flood Zones and Insurance Policies

If you live in an area classified as a flood zone, flood insurance is often mandatory. However, it’s noteworthy that not all flooding happens inside a flood zone. Roughly 20% of flood claims to insurance companies come from properties outside of marked flood zones. This underlines the policy’s importance for all homeowners, regardless of location. Policies backed by the National Flood Insurance Program offer secure coverage, even for the most severe floods.

Get Your Flood Insurance Policy

You’re exposed to potential severe flood damage if you don’t possess a flood insurance policy yet. Protect yourself from the havoc wrought by floods and the associated repair costs by contacting us at Saucon Insurance Agency in Bethlehem, PA, to get your policy in place.

How Do You Know If Your Recreational Vehicles Can Be or Should Be Covered By Toy Insurance?

An Overview of Toy Insurance for Recreational Vehicles

Insuring recreational vehicles? Based in Bethlehem, PA, region, Saucon Insurance Agency guides you through the qualifying factors to obtain specialized toy insurance protection for your recreational vehicles.

Vehicle Type and Its Usage

The type and usage of your recreational vehicles greatly influence their eligibility for toy insurance. Recreational vehicles such as ATVs, 4x4s, snowmobiles, and jet skis, primarily used for leisure, often qualify for this specialized protection.

Consider Their Age and Value

The age and worth of your recreational vehicles are determining factors for toy insurance coverage. Newer, more valuable models are ideal candidates for such coverage, effectively safeguarding your investment against potential damage, theft, and liability.

Legal Requirements and Regulations

Familiarize yourself with local regulations relating to recreational vehicle insurance before embarking on toy insurance coverage. Legal requirements vary by region and vehicle type. Consulting an experienced insurance agent can help you adhere to these guidelines efficiently.

Contact Us for Tailored Protection

Unsure if your recreational vehicles qualify for toy insurance coverage? Don’t hesitate to contact Saucon Insurance Agency. Our knowledgeable agents can help you explore your options and find the right solution. Protect your recreational vehicles in the greater Bethlehem, PA, area and set your adventuring heart at ease. Contact us today to get started.