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!

Riders you may want to add to your home policy

Home insurance offers a lot of protection to your house. It covers the building, the contents, and offers liability protection. These are all important coverages but some things are not included and these can be added with a rider. Riders are additional coverage that either expands the coverage you have or add additional coverage for things that are excluded from your original home policy. At Saucon Insurance Agency in Bethlehem, PA, we are here to help you get all the coverage you need. 

Jewelry 

Chances are if you have a reasonably sized engagement ring you may have maxed out the jewelry allowance on your standard home insurance policy. That means any other jewelry you have will not be replaced in the event of a theft or other covered peril. By getting a jewelry rider you can make sure what you have is protected. Be sure to have an appraisal done of valuable pieces and keep any receipts you may have. 

Electronics

If you have a high-end electronic or a lot of them. you should consider a rider to give you the protection you need. Be sure to keep the record of what you own updated to avoid any shock in the event of a loss. 

Home business

You may assume that since your home business is located in your home it gets full coverage from your home insurance. This is not correct and you must talk to your insurance agent to see exactly what coverage you have. Adding a home business rider can make sure your investment is protected. 

Sewer backup

Not only is this a disgusting thing to happen to your home, but it can also cause lots of damage. The bad news is, it isn’t covered with your home insurance policy unless you have a special rider. 

If it is time to update your home policy at Saucon Insurance Agency in Bethlehem, PA we are here to provide you the advantage of our knowledge. Stop by the office or give us a call for a free quote.

Mini Guide to Preparing Your House for Summer

The residents of Bethlehem, PA are days away from sweltering temperatures, tornado warnings, pest invasions, and blasts of rainstorms. If you are like many others, you are expecting this year to be especially hot, which means that your home will be at full force with all of the unpleasant things associated with the summer heat. Before summer cleaning the grill and pulling the lawn furniture, taking the time to prepare your home for the summer will allow you to focus more on enjoying longer days, than worrying about pest invasions and a poorly operating air conditioner. So, Saucon Insurance Agency has put together a mini-guide to help you prepare your home for summer.

Prevent Pest Invasions

Summer weather is notorious for bringing out pests, especially ants and flies. Most bugs go into hibernation during the colder months, unfortunately, they may decide to stay out of the cold by hibernating in or near your home. The minute it starts to warm up, the bugs that have been staying warm inside of your walls and attic will begin to make their presence known. One of the most common types of pest problems is ants. Here are some tips to prevent and get rid of ant invasions:

  • Make sure everything is sealed up tight, including caulking around doors and windows. Check for gaps and fix any with weather stripping and caulking.
  • Spray the outdoor perimeter with a good, over-the-counter pesticide. Spray along the foundation, around windows and around porches and stairs.
  • If you are already noticing ants in the kitchen and/or bathroom, place ant baits in areas where you are noticing their trail.
  • Be sure to clean up all crumbs and spills as soon as they occur and keep food items in tightly sealed containers.

Give Your Air Conditioner a Checkup

The best time to make sure your air conditioner is doing its job is before you need it. Turn on the air conditioner and make sure it’s in good working order In many situations, it something minor, such as a dirty filter, so before contacting an HVAC company, replace the filter and clean all debris on or around the exhausts and vents. Be sure to clean all dirt and debris from the outside unit as well. After taking these steps, if it isn’t working like it should contact an HVAC company to inspect the unit.

Now that you have taken the steps necessary to prevent pest invasions and ensured that your air conditioner is functioning as it should, it’s time to check for leaks in your home. Because it doesn’t matter how well the air conditioner is working if the air is slowly leaking out. Before calling a professional, do your own simple home energy audit first. Check for drafts around doors and windows, ensure all windows are opening and closing properly and check to make sure the attic insulation is still in good condition.

Residents of Bethlehem, PA who interested in learning information about homeowner insurance or considering upgrading their current policy, contact Saucon Insurance Agency.

Does Home Insurance Cover Dog Bites?

If you are a pet owner, you may love to share your friendly pet with neighbors and friends at a neighborhood barbecue or afternoon walk. However, if your dog becomes spooked and bites someone, you could be on the hook for a lot of money. Fortunately, many home insurance policies cover dog bites, even some that don’t occur on your property. Your agent at Saucon Insurance Agency in Bethlehem, PA can help you determine whether you are currently covered for dog bites.

Dog Bite Insurance Coverage

Dog bites fall under your liability coverage unless the breed of your pet is on an exclusion list. For example, pit bulls account for about 63% of complex bite wounds and appear on the excluded breeds list of many insurers. Rottweilers and Dobermans also appear on most exclusion lists because they are perceived as dangerous.

Your insurance agent can explain how your dog bite coverage works. You may be covered up to your policy limit or a percentage of your limit, depending on how the insurer writes the policy. Your coverage may also include legal costs and settlement amounts related to a case that goes to court.

Read the Fine Print

Some insurance companies may only payout on one claim per animal. If your dog has already bitten someone, the insurance company may consider it to be dangerous and uninsurable. This means that you would be on the hook for expenses if your dog bites anyone else. 

Where Are You Covered?

If your dog bites someone at the park or during a walk around the neighborhood, your home insurance policy may have you covered. Ask your insurance agent to double-check if you aren’t clear on the language in the policy. 

Contact Saucon Insurance Agency about your home insurance needs in Bethlehem, PA. We’d be happy to make sure you and your pet are covered in the case of dog bites and other perils. 

Home Insurance Upgrade When Renovating a Home

When planning a renovation for a home, you need to consider many things that include the cost of the construction, who you will hire to do the work, getting a building permit, and the disruption of your life that is going to occur while the work is being done. One important thing that can easily be neglected is upgrading home insurance to take into consideration the improved value of the home.

Replacement Cost Coverage

If you do not already have replacement cost coverage for your home insurance, you should consider it. This is the best way to protect yourself and your family because if your place is destroyed you will have enough to rebuild a new place that is similar to the old one. Many homeowners are under-insured and that is a terrible mistake.

When doing a renovation project, you will quickly see how expensive it is to build something The costs just seem to keep coming and it is the little things that add up. As part of your planning process, consult with your agent at Saucon Insurance Agency, serving Bethlehem, PA and the surrounding area.

Staging of Insurance Upgrades and Avoiding Insurance Gaps

If the renovation project is a big one that will take a considerable amount of time, the home insurance upgrades may need to be increased in stages to stay even with the renovation as the project progresses. As your agent to review the insurance that is carried by the contractor to make sure that any insurance gaps are dealt with, such as what happens if the building materials are left on the job site, and they disappear. You need to know whose insurance pays for that kind of loss while the project is underway.

Summary

It is exciting and stressful to do a home renovation. Adjusting your home insurance needs by contacting your agent at Saucon Insurance Agency in Bethlehem, PA before you start the project will take care of one important thing and give you better protection.

Does Home Insurance Cover Replacing Windows?

Insurance is something that can make a huge difference in your home and in how easy it is to recover should something happen to your home. For those that live in the Bethlehem, PA area, the agents with Saucon Insurance Agency can help you find the policy that works best for you.

For the most part, your home insurance is going to cover a great range of things that you may not realize it covers. In cases of normal home maintenance, your home insurance is not going to cover them. For those cases in which your home is damaged from things like a storm, break-in, or fire, your home insurance is certainly going to help cover the costs. If your windows are damaged in a storm, for instance, your home insurance will help to cover the cost of replacement. There are plenty of ways that you can get new windows with the help of your home policy.

If your windows are damaged in a burglary you can claim them on your home insurance and if they are damaged in a fire or other natural disaster you can also get your windows replaced. Your home insurance is going to help you to get the right claim filed and help you to get your home back in tip top shape. Your home insurance is going to help you recover and replace your windows if they are damaged or destroyed so that you can get back to your normal life and can stop worrying about replacing your windows.

For those that live in the Bethlehem, PA area, the agents with Saucon Insurance Agency can help you to find the policy that is going to work best for you and that is going to cover all your needs and help you recover no matter what issues you are facing.