Monthly Archives: November 2025

Winter Is Coming: Is Your Snowmobile Insured?

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As the snow begins to fall, snowmobile enthusiasts are getting ready for another exciting season on the trails. Before you take off, it’s worth checking whether your snowmobile is properly insured. Toy insurance, coverage designed for recreational vehicles, helps protect you and your investment when the unexpected happens.

Why Standard Coverage Isn’t Enough

Many owners assume their homeowners or auto insurance will cover their snowmobile, but that’s usually not the case. Most traditional policies exclude off-road vehicles, leaving you unprotected if your sled is stolen, damaged, or involved in an accident.

What Toy Insurance Covers

A specialized toy insurance policy can include collision coverage for crash damage, comprehensive coverage for theft, fire, or vandalism, and liability protection if you cause an injury or property damage. Some plans even cover accessories, trailers, or custom modifications.

Protect Your Fun and Your Finances

No matter how experienced you are, winter riding comes with risks, like icy conditions, hidden obstacles, and wildlife encounters. Having proper insurance can help you recover quickly without taking a financial hit.

Talk to Your Insurance Agent

Before the first ride of the season, review your policy with your insurance professional. They can help you find the right coverage for your sled, your habits, and your budget, so you can enjoy every snowy adventure with peace of mind.

Contact Saucon Insurance Agency, Serving Bethlehem, PA

If you’re looking for toy insurance, our team at Saucon Insurance Agency is here to help. We’re proud to serve the Bethlehem, PA, area. Contact usto schedule a time to chat with one of our agents.

Does Flood Insurance Cover Mold Remediation?

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Most insurance companies in Bethlehem, PA, exclude floods, making it crucial to purchase additional flood insurance. This policy can help cover damages, but what about mold? Mold and water damage go hand in hand, so it’s important to know the details. 

Common Coverage

It’s essential to note that these policies typically only cover damage caused by rising water levels. So, water damage from a burst pipe or equipment failure may not be covered. Instead, you may have to file a claim with your property insurance. An agent at Saucon Insurance Agency can help you learn more about your coverage. 

Mold Remediation

Flood insurance may cover mold remediation, but certain exclusions apply. Your flood policy won’t cover mold if mold is already present. It also depends on your situation. If the building has mold because the water wasn’t removed immediately, the policy may deny the claim. 

On the other hand, if you couldn’t remove the water because you couldn’t get into the home due to the disaster or safety issues, the policy may still cover it. It boils down to whether the mold was a result of your action or inaction. 

Mold Coverage

Some insurance companies offer add-on coverage for items such as mold, bacteria, and rot. This type of insurance can help cover the cost of mold removal, but it is only available at select insurance companies and can be hard to find. 

Preventing Mold

The best step is to prevent mold anytime you can. Remove water from the structure as soon as possible. Ensure everything is properly dried out, and consider using a dehumidifier. Remove all porous materials, and thoroughly clean nonporous materials with a solution that can kill mold. 

We understand how frustrating mold can be after a flood. Compassionate agents at Saucon Insurance Agency can help you learn more about whether your policy covers mold remediation. Contact us to learn more. We’re currently serving the Bethlehem, PA, area.