Flood Insurance FAQs

At Saucon Insurance Agency in Bethlehem, PA, we offer many types of coverage, including flood insurance. Many homeowners have questions about flood policies, so we are providing answers. 

What is Flood Insurance? 

Flood insurance is a policy that covers your home and its contents in the event of a flood. A flood occurs when two or more properties, or two or more acres, of land that are typically dry are covered by water. 

Does My Homeowner’s Policy Cover Floods? 

No, homeowner’s policies do not cover floods. This is why a flood policy is important. Homeowners’ policies cover other perils, including fires, wind damage, and vandalism. 

Am I Required to Have Flood Insurance? 

If you are in a high-risk flood zone and have a mortgage, your lender will likely require you to have flood insurance. 

Most lenders don’t require you to have flood insurance if you live in a low to moderate-risk area, but you may still need flood insurance. 

You can learn what area you are in by visiting the FEMA flood map and entering your address. 

Do I Need a Flood Policy if It’s Not Required? 

If you are in a low to moderate-risk area, going without flood insurance is tempting. However, 20% of flood damage occurs in low to moderate-risk areas. Flood insurance can protect you in this situation. 

Do I Have to go Through the NFIP? 

When you buy flood insurance, you’ll buy it through your insurance agent. You may choose a policy through the NFIP (National Flood Insurance Program) or a private insurer. 

Flood Insurance at Saucon Insurance Agency

If you need flood insurance in Bethlehem, PA, contact us at Saucon Insurance Agency. Our knowledgeable agents will answer any questions you have and help you choose the best policy for your needs. 

The Basics of Toy and Collectible Insurance

So-called toy insurance has emerged as one of the fastest-growing types of insurance. To be clear, you’re typically not going to take out insurance on a child’s generic hula hoop or other simple (and not especially valuable toys). Instead, when folks take out toy insurance, they often seek coverage for valuable collectibles. If you’d like to discuss toy insurance options in Bethlehem, PA, contact the Saucon Insurance Agency.

Why Collectible and Toy Insurance is Necessary

A general homeowner’s insurance policy will not cover collectibles or will set a low coverage amount. Remember, many insurance policies have liability limits. With especially valuable properties, like collectible cars, toys, gadgets, and more, it’s easy to exceed policy limits on general policies quickly.

Let’s say a homeowner takes out a homeowner’s insurance policy with a maximum liability limit of $500,000. Then the home, which itself is worth $400,000, burns down. This means there’s only $100,000 left to cover other damages, such as lost computers and other personal property (perhaps including collectibles).

To put things into perspective, a Barbie doll sold for over $300,000 back in 2010, while a GI Joe figurine once sold for $200,000. Many other toys have fetched tens of thousands or even hundreds of thousands of dollars. Sports and trading cards, including Pokemon cards, also regularly sell for thousands of dollars or more.

To mitigate risks and ensure adequate coverage, taking out insurance on highly valuable collectibles is often necessary. Otherwise, you might have to foot the bill should collectibles be stolen or damaged. With toy insurance, you can ensure that specific items, such as collectible cards, expensive Lego sets, or antique collector’s toys, are more adequately covered.

Contact the Saucon Insurance Agency to learn more about toy insurance policies in Bethlehem, PA.


Is RV and Camper Insurance Required by Law?

Owning an RV or a camper requires you to secure adequate insurance in Pennsylvania. If you are in the market for high-quality RV or camper insurance, you can count on the insurance professional at Saucon Insurance Agency to give you options that meet your needs. If you live in the Bethlehem, PA area, reach out today to learn more. 

Camper and RV Insurance

You need to secure RV and camper insurance in Pennsylvania, just like you would driving a car or a truck. Most states require you to carry this type of insurance but check state laws to ensure you are in full compliance. Some states have requirements that outline a specific style or model of RV requiring insurance. 

If you have questions or want to know more about securing the right level of insurance, you can count on our agents to provide insight and details. We care about our customers and work closely to understand their needs. We take the time to learn which options would help them get the protection they need that best fits their situations.

Not only will we find policy options that suit your specific situation, but we will also provide service after the policy purchase. If you have any changes or claims, we help facilitate your requests and submit documentation and details to expedite the process. 

Find Out More

Residents of Bethlehem, PA can count on our team of insurance professionals to help them meet state insurance requirements and protect them while on the open road. Saucon Insurance Agency is here to help, so please reach out to schedule a consultation for services and secure the coverage you need.

Boat Insurance for Fishing Enthusiasts at Saucon Insurance Agency in Bethlehem, PA

If you are a fishing enthusiast, buying a boat is a great way to get out on the water and enjoy your favorite hobby. Owning a boat is a significant investment, whether a small fishing boat or a yacht. Like any other vehicle, you need an insurance plan to protect your boat from the unexpected.

Why Boat Insurance is Crucial for Fishing Enthusiasts

You’ve likely spent significant time researching models and determining which would best meet your needs. The price and size vary depending on what interests you. You probably don’t fish in highly-trafficked areas, where passers-by are tubing, swimming, or just making a lot of commotion. Fishing will be easier and more peaceful if there aren’t many people around, so you’ll likely prioritize quieter areas. That doesn’t mean you aren’t vulnerable to accidents, especially in dark, hidden areas. 

What Boat Insurance Covers

Typically, a boat insurance policy covers physical damage and liability coverage. Physical damage refers to accidents, theft, or natural disasters. In contrast, liability coverage includes covering the policyholder in the event of damage or injury to another person or their property on the boat. A policy that covers both provides you with a high layer of protection.

How Saucon Insurance Agency Can Help

Finding the best coverage for your needs can be overwhelming. Fortunately, Saucon Insurance Agency in Bethlehem, PA is here to guide you through the process. We have over 30 years of experience and are known for providing exceptional service and coverage to all our clients.

Before you get out on the water, contact Saucon Insurance Agency in Bethlehem, PA to learn more about boat insurance. Call us at (610) 868-1800 today!

What You Need To Know About Employee Benefit Insurance

Business owners spend plenty of time putting out fires when mistakes are made. But sometimes, the mistakes are bigger fires, and you need backup to ensure that your business is not negatively affected by the mistake. Saucon Insurance Agency serving Bethlehem, PA is here to help make sure you have the proper insurance coverage to help in these situations. Keep reading to learn more about Employee Benefits Insurance and how it can help to protect your business. 

What Is Employee Benefits Insurance?

Employee benefits insurance, or EBL, is a specialized type of insurance policy designed for business owners. This type of insurance is created to help absorb expenses that might arise from errors made concerning an employee’s benefits package. When employees are hired, they are offered certain employee benefits. Some benefits, such as health insurance, are significant to their daily lives. If your company makes a mistake that negatively affects the employee’s benefits, you could be held liable for not providing the promised benefits.

EBL coverage can kick in to help with the liability expenses that might arise from this type of situation. 

Why Is EBL Coverage Important?

It is essential to have EBL coverage in place because mistakes happen. Business owners must always make room for human error. You or your HR department are not immune to making mistakes, but the liability expenses could be great when those mistakes drastically and negatively affect an employee. This coverage helps ensure your company is not negatively or financially affected by these inevitable mistakes. 

If you want to learn more about employee benefits insurance, please get in touch with us at Saucon Insurance Agency, which serves Bethlehem, PA, and the surrounding areas. 

Ways To Promote An Emotionally Healthy Work Environment

Keeping your work environment healthy involves more than simply ensuring plenty of hand sanitizer to go around. The mental health of your employees is also a huge factor that contributes to overall productivity and company culture. At Saucon Insurance Agency, serving Bethlehem, PA, and the surrounding areas, we are here to help you keep your workplace healthy in all the ways that count. Keep reading to learn about ways to promote an emotionally healthy work environment.

Why Does It Matter?

Maintaining an emotionally healthy work environment matters because your employees’ mental can affect many aspects of your business. When your employees are happy, productivity will improve, and it will help establish your company as a place where people like to work. 

Don’t Encourage Drama 

Workplace drama is inevitable, but there are specific ways that you, as an employer, can help minimize its impact on your workplace. Don’t encourage drama by adding to it. As the employer, you are responsible for setting forth an attitude of being the leader. Involving yourself in company drama will send a strong message to your employees. 

Don’t Pick Favorites 

Picking favorites in your work environment will only cause bad feelings among your employees. It might be natural to feel more drawn toward specific individuals than others, but outwardly showing favoritism in your company will usually backfire on you in the long run. 

Don’t Ignore Ethical Issues 

Your employees need to know that you are on their side and advocating for them in all the essential ways. So, when an ethical issue comes up, your employees need to see you dealing with it quickly and ethically. Employees not seeing their employer doing this can cause insecurity, distrust, and other problems. When you ignore an ethical issue in your workplace, you will always eventually deal with it, but once it has been ignored, it will be bigger and more complicated. 

Contact us at Saucon Insurance Agency, serving Bethlehem, PA, and the surrounding areas, to learn more about insurance for employers. 

When Do You Need Personal Umbrella Insurance?

Personal umbrella insurance is additional coverage that can provide extra protection for your assets. It supplements your liability policies, such as a car or homeowner’s insurance in Bethlehem, PA. While it’s not always necessary to have umbrella coverage, there are certain situations where it can be a real lifesaver. Here’s a breakdown of when you should get personal umbrella insurance. 

What Does Umbrella Insurance Cover? 

Umbrella insurance protects you against claims resulting from accidents or negligence. It typically includes protection against libel, slander, bodily injury, and property damage claims. It provides extra coverage above and beyond the limits of your existing auto and home liability policies. This means that if someone were to sue you and win, the damages awarded would be covered up to the amount of your policy limit. A Saucon Insurance Agency representative can help you determine how much coverage is necessary for your situation.

When Should I Get Umbrella Insurance? 

It’s important to know that you don’t need personal umbrella insurance immediately—it is more of an extra precautionary measure than anything else. That said, here are some situations in which having umbrella coverage might be wise: 

  • Owning a lot of expensive assets, such as jewelry or artwork 
  • Having multiple homes or rental properties 
  • Taking part in activities that involve increased risk
  • Playing sports
  • Frequently travel for business   
  • Own a business with more than one employee 

In short, if someone could make a claim against you for damages because of negligence, then getting personal umbrella insurance is probably a good idea—to be on the safe side! 

If you’re looking for additional protection for yourself and your assets in Bethlehem, PA, contact Saucon Insurance Agency today.

What if My Motorcycle Has Custom Add-Ons?

Just like your bike, your motorcycle insurance is also customizable. You can add or subtract the types of coverage as your situation dictates, and your Saucon Insurance Agency representative can help you with this process. 

There is a specific type of identification that you can purchase called custom parts and equipment coverage. Residents of Bethlehem, PA are required to purchase insurance in the amount of $15,000 for the bodily injury of another party and $30,000 per accident. $5,000 for property damage is also required. 

Various aftermarket parts are available for you to add to your bike. These can include accessories to enhance the performance of your motorcycle or add-ons that are only intended for looks. These will increase the value of your bike in many cases so that a standard policy will not adequately cover you in the event of an accident. 

You will have a list of covered perils that your insurance will make payment for. For example, your bike may be damaged while sitting in your driveway during a hailstorm. This is an occurrence that would typically be covered. You need to check your contract before filing a claim, as certain types of incidents, such as pests or mold that can occur while your vehicle is in storage are often not included. 

This type of coverage does not commonly have a deductible, meaning that the custom part or add-on is paid for without you having to pay a portion of the cost yourself first. 

We Can Assist You with Motorcycle Insurance

Saucon Insurance Agency serves those who live in and around Bethlehem, PA, and we are pleased to offer motorcycle insurance products and services to you. Don’t hesitate to contact us online, by phone, or in person for more information. 

Car Insurance is Mandatory in Most States – Make Sure You Are Protected

Do you know that car insurance is mandatory in 48 out of 50 states?

If you are a licensed driver in the Bethlehem, PA area, the Saucon Insurance Agency can provide the required coverage.

Why do you need car insurance? 

Because it can protect you from the expensive costs associated with an accident. As an insured driver, it can help pay for medical expenses, vehicle repairs, legal costs, and more.

As a Pennsylvania resident, knowing the minimum coverage limits required in your state is important. These limits are just a starting point, however. You may want to consider increasing these limits for greater protection.

  • Bodily injury liability covers the costs of the injury or passing of another driver. Pennsylvania has a $15,000 limit per person or $30,000 per accident.
  • Property damage liability covers costs related to the damage to another person’s property, such as a vehicle, home, and other buildings, when you are at fault. There is a $5,000 limit.
  • While uninsured motorist coverage is not a requirement, this coverage helps pay for medical expenses if another driver is at fault and has no coverage.
  • Underinsured motorist coverage also is not a requirement. Still, it helps pay for medical expenses if you are in a traffic accident and the driver at fault does not have enough liability coverage.
  • Comprehensive coverage pays for costs to repair or replace your vehicle if it has been stolen or damaged by vandalism or a weather event. This is not required in Pennsylvania.
  • Medical expenses coverage helps to cover injuries if you and your passengers are hurt in an accident. There is a $5,000 limit for medical or funeral expenses.
  • Collision coverage helps pay for costs associated with repairing or replacing your vehicle if damaged in an accident.

The Saucon Insurance Agency of Bethlehem, PA can provide you with answers to any questions you may have. Contact our office today.

How Much Home Insurance Coverage do You Need?

Most people know they need homeowners insurance to protect their home property, but do you know how much coverage you need? Many people need to realize there are different levels of coverage. Anyone looking for home insurance to protect their property can contact Saucon Insurance Agency, proudly serving Bethlehem, PA. 

Home Insurance Coverage Levels

Home insurance coverage comes at many levels, with minimum and higher increments. To determine which level of coverage accurately protects your investment, you’ll need to calculate the total value of your home and its contents and present this information to your insurance agent. They can assess your current situation and review those details to help present you with policies that match your needs and help ensure you have the protection you need to rest easy.

Once your home insurance policy is effective, you’ll need to notify your insurance agent if there are any changes so they can assist you with the process. They can also help submit covered claims to expedite the process to help you recover faster. It’s all a part of our commitment to top customer service before, during, and after the policy purchase. 

Reach Out For More Details

If you would like to learn more about homeowners insurance and the protection it offers, please reach out to Saucon Insurance Agency, serving Bethlehem, PA. Our agents are ready to provide the information you need to select the best insurance policy to meet your needs. We look forward to working closely with our customers so they can protect the things that matter the most to them.