Three Types of Fences You Can Put On Your Property

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. 

Bloomfield Bliss: The Key to Stress-Free Living with Home Insurance

The city of Bloomfield, NJ, offers its residents a serene suburban lifestyle within driving distance of the vibrant city of Newark. However, even in this tranquil suburban haven, homeowners must remain vigilant by protecting their homes and personal property with home insurance. 

Licensed insurance professionals at E.S.T.I.R. Inc. can discuss the benefits and features of home insurance and help you select the best policy for your needs. 

New Jersey Home Insurance Benefits

Bloomfield, NJ homeowners have invested time, money, and emotion into their homes. Unforeseen events like natural disasters, fires, thefts, or burglaries can disrupt their peace and tranquility. 

An adequate home insurance policy can help you protect your investment and restore your lost, stolen, or damaged belongings up to the policy’s limits. 

A comprehensive home insurance policy can provide financial coverage for the interior and exterior of your home, along with additional coverage for personal property and belongings. 

Knowledgeable insurance agents at E.S.T.I.R Inc. can talk to you about policy options and help you choose the best policy to fit your needs, budget, and lifestyle. 

Home Insurance is One of America’s Best-Kept Secrets

Homeowners insurance is one of the best-kept secrets to finding Bloomfield bliss. Local residents can comfortably live out their suburban dreams without the added stress of worrying about unforeseen and unpredictable events when they know their homes and finances are adequately protected from life-changing perils. 

So, please don’t wait until it’s too late to get home insurance coverage and protect your nest. Reach out to one of the knowledgeable and friendly insurance agents at E.S.T.I.R. Inc.

An agent can help you select home insurance policy options and activate your New Jersey home insurance policy today!

The Six Common Categories Covered by Home Insurance Policies

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.


Why Home Insurance Is A Necessity

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.

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. 

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

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.

Why You Should Never Leave Home without RV & Camper Insurance

If you are considering purchasing a recreational vehicle in Bethlehem, PA, you need to take some time to understand RV insurance. Don’t assume that your car insurance will cover your recreational vehicle. Unless it’s being towed by your car, your RV needs a stand-alone RV insurance policy.

Here are the reasons you should purchase RV insurance from Saucon Insurance Agency:

Protects your asset

Whether you have a motorhome or campervan, you must have spent a fortune to acquire it. That said, you should do everything to ensure your prized asset is safe and secure. Besides routine maintenance, investing in RV insurance ensures your vehicle is safe from risks like fire, vandalism, falling objects, and theft. RV insurance protects your vehicle by compensating you when the risks listed in your policy occur.

Liability protection

You expect to have limitless fun every time you hit the road with your RV. Regrettably, your trip may become a nightmare if you cause an accident resulting in injuries and property damage to other people. You could be sued for negligence, which can ruin your finances if you don’t have RV insurance.

It’s required

If your RV is towable, like a travel trailer, you don’t need RV insurance since your auto insurance covers the trailer. However, if your RV is motorized, you must purchase RV insurance to use your vehicle legally on Pennsylvania roads.

Failure to have the required RV insurance may result in fines and penalties, including license suspension. You don’t deserve this trouble because you can get affordable RV insurance by contacting us.

RV insurance in Bethlehem, PA

Would you like to protect your RV with insurance? You are on the right track. All you need now is to contact Saucon Insurance Agency for an affordable quote.

Protect your Bethlehem area home with the right insurance

If you are a homeowner in the greater Bethlehem, PA area, you can count on Saucon Insurance Agency for all of your insurance needs. We are here to help you protect your home and family!

Finding the right insurance policy for your home

When you create a family home, you will want to keep it safe. The most effective way to do this is with a comprehensive homeowner’s policy. Having the right protection in place can help you to keep your family safe and secure, no matter what may happen. Selecting a policy that provides the coverage you need can make a huge difference if you ever experience a covered event.

Damage or loss to your home can happen in a variety of different ways, and it only makes sense to have a plan in place for any eventuality. If you experience a covered event that involves your home, you can rely on your local agent to help see you through the disruption.

It can be overwhelming to determine which policy is the right fit for your needs. When you work with a local agent, you can expect face-to-face interaction. This allows them to better understand your needs and help you determine which policy is a good fit for your needs. Another consideration you will have to make is policy coverage levels. Not all policies provide the same amount of coverage and determining how much insurance you need is important. 

Call us and learn more!

Bethlehem, PA homeowners can rely on the team at Saucon Insurance Agency for all of their insurance needs. If you want to find out more about how to keep your home protected, give us a call today. Our friendly and knowledgeable team is here for you!

Protect Your Finances With Home Insurance

Every homeowner needs a home insurance policy to protect what is likely their biggest investment. A home insurance policy includes several different types of coverage that each protect your home and your finances. To find out more about home insurance, give us a call now at Saucon Insurance Agency in Bethlehem, PA.

Dwelling Coverage

Your house itself is covered with a home insurance policy. It covers a wide range of accidents and incidents that can cause house damage. Damage done to a home, especially serious damage, can be extremely expensive to pay for. Repair and material costs can be difficult for a homeowner to afford, but with a home policy, you don’t have to. The policy pays for those repairs, and it will pay to rebuild your house if it is necessary.

Coverage for Your Things

The items that you own inside your house are also valuable and can be expensive to replace. Imagine what you’ve paid over the years for all of your belongings. It adds up to a substantial amount. That amount needs protection too, and your home policy will take care of that. It will pay for your items to be replaced or repaired, depending on the need. Don’t be without this coverage so that you never have to replace all of your items at once. 

Living Elsewhere

If something serious did happen to your house, it may be rendered uninhabitable until it could be fixed. And while the repairs are being done, you won’t have to stay in your uninhabitable home. Your home insurance policy will pay for you to live somewhere else for a while until your house is inhabitable again. 

Get Your House Protected

To find out more about home insurance, you can call us now at Saucon Insurance Agency in Bethlehem, PA.

Do You Need Home Insurance?

You have purchased a home but have you obtained a home insurance policy yet and do you need it? Whether you owe money to a lender for the purchase of your home or your home is paid in full, you need home insurance. The agents at the Saucon Insurance Agency in Bethlehem, PA understand the reasons you need to have a home insurance policy in place.

What Does Home Insurance Cover?

A home insurance policy is one of the main ways you can protect your investment in your home. This type of insurance policy will help replace or repair your home if it is damaged or destroyed by a natural disaster, vandalism, or a fire. Your home insurance policy will cover the structure of your house and can cover the surrounding structures on your property, including your garage and deck.

Your home insurance policy will also cover all of your personal belongings, furniture, appliances, and other household items. It will also replace some of these items if you and your home become a victim of a burglary or theft incident. Your home insurance policy also provides liability insurance which can help you out if a visitor to your home has an accident while they are there and is injured. Your home insurance will help pay their medical bills and lost wages.

If you do not have a home insurance policy in place and a tragic event occurs, you could lose your home and everything else you own so to be on the safe side and for your peace of mind, you should obtain a home insurance policy as soon as possible. Our agents at the Saucon Insurance Agency in Bethlehem, PA are ready to get your party started so call for an appointment and quote today!