For many, home is a safe haven, a place of comfort and pride. Hence, people go to great lengths to secure their homes with safety measures like surveillance systems and door locks. Home insurance plays a crucial role in this security plan. Homeowners from around the Bethlehem, PA area trust the proven, professional, and reliable team at Saucon Insurance Agency for their home insurance needs.

Help When Homeowners Need It Most

While owning a home brings joy and pride, it can also be expensive, especially when major repairs are needed, such as roofing or other significant damages. Fortunately, with the right home insurance coverage, homeowners can get financial assistance for these expenses at the most crucial times.

Damages from fires, floods, storms, property damage to structures like sheds, pools, and attached garages, and even loss of possessions can all be covered under a suitable home insurance policy. An experienced insurance agent can help tailor your home’s protection and coverage.

Get Home Insurance in Bethlehem, PA

If you’re a homeowner in Bethlehem, PA, or the surrounding areas and have queries about home insurance or need home insurance protection, our experienced, friendly, and professional agents at Saucon Insurance Agency are here to help. From minor damages to major repair assistance, insurance provides the needed support in times of need. Contact us to learn about our home insurance plans and protect your home better. Schedule your appointment today.

As a homeowner, you have the right to make your property private, and a fence can offer you that support. Below are the most common types of fences you can get for your property and improve the overall value of the lot. 

1. Chainlink Fencing

One of the more affordable options is chainlink fencing. It doesn’t offer much privacy from neighbors and passersby, but it is great for outlining the perimeter of your property line. It can keep your pets and children on the property while keeping others out. It is durable and can last for several decades.

2. Vinyl Fencing

You can choose to have semi-private or completely private vinyl panels on your property. Vinyl fencing can come in various colors and offers you as much property as you need. It is durable when it comes to water but can be damaged easily by hail and wind. It is also pretty easy to clean. Wash it off periodically to keep the mildew and dirt down. 

3. Wood Fencing

Like vinyl, you can choose whether you want full or partial panels with your wood fence. Most homeowners opt for full panels, as they provide lots of privacy, allowing your space not to be viewed by neighbors and others traveling by. It is also durable and can be stained to match your aesthetic preferences. Wood fences are great for keeping your children and pets inside and keeping others out. They are affordable and easy to replace panels if they are damaged. You’ll want to use treated wood to keep it protected from the elements. 

If you’re a homeowner in the Bethlehem, PA, area, contact Saucon Insurance Agency today for a personal quote on home insurance. 

Consumers who have recently purchased a home for the first time in Bethlehem, PA, need homeowners insurance to cover their new living quarters. Typical policies have several different categories that provide essential coverage for your home. These can be confusing the first time you encounter them. The professionals at Saucon Insurance Agency will gladly explain the parts of your policy and why you need these basic coverages.

What Will My Homeowner’s Policy Cover?

Most policies have six major categories. These are:

• Dwelling
• Other structures
• Personal property
• Loss of use
• Personal liability
• Medical payments

Every policy will look slightly different. Yet you can expect these categories to cover most of your home and what is inside. Dwelling covers the home’s structures, foundation, and attached buildings, such as garages. It also covers appliances that may be destroyed in a fire, tornado, or similar event. Other structures are outbuildings like sheds and detached garages. Personal property involves personal belongings like furniture, clothes, etc. Loss of use will provide living expenses if your home is uninhabitable because of a covered loss. Liability pays for repairs to someone’s property damaged in your home or medical treatment for injuries. Medical payment coverage is similar but involves covering someone’s medical expenses if an incident happens in your home caused by someone else.

Does My Home Need Additional Coverage?

While those are basic coverages, you may need additional coverages for particular items. For example, valuable items such as jewelry and art will require a rider to cover their worth in case of damage or loss. You may also need special coverage if you live in a flood plain.

When you work with Saucon Insurance Agency, you won’t have to guess what type of coverage your Bethlehem, PA, home requires. Call our office today to get started on your policy.

It’s a significant achievement to become a homeowner for many of us. For those who have lived in their homes for years or recently become first-time owners, there’s one thing they all have in common. It’s the need for good home insurance. It’s a responsibility that should not be underestimated. At Saucon Insurance Agency, we help residents like the ones in Bethlehem, PA understand the importance of protecting their investments.

Why Should You Have Home Insurance?

Below are a few reasons why you should have a home insurance policy. Your home is likely the most significant financial investment you’ll ever make. It is good to plan accordingly.

Home insurance is required if you have a loan with a lender. This ensures that any damage or loss to your property can be repaired or replaced. It doesn’t just protect your home. It also covers your personal belongings like furniture, appliances, and clothing. If your items are lost or damaged due to a covered event like fire or theft, your policy can assist you in replacing them.

If your home isn’t livable after a storm or fire, you can get a temporary place to live. There is also a part of the policy that protects your liability. For instance, you might have someone who fell or was injured on your property. If they sue you for negligence, your home insurance policy can help cover the legal fees and any settlement or judgment awarded against you.

Get A Free Estimate

Finally, you can’t forget about peace of mind. We want you to enjoy your home and not live in worry about what to do with an unexpected event. Contact our professionals from Saucon Insurance Agency for more information about home insurance policies in Bethlehem, PA.

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. 

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.