How RV and Camper Insurance Works

When you have an RV or camper, there is specific insurance that you must have for it in Pennsylvania. This insurance is important for protecting yourself financially as well as protecting others on the road. If you have an RV or camper and need insurance for it, give us a call at Saucon Insurance Agency in Bethlehem, PA.

Classes of RVs

When you get your RV or camper insurance, your RV or camper must be classified into one of three classes. This greatly defines what kind of insurance you need and how your policy is laid out. The biggest class of RVs are the class A vehicles. These can be as long as 75 feet and are usually motor coaches or buses that have been converted. The smallest class is class B. These encompass most campers and have a design that does not go over the cab area of the vehicle. Class Cs are made with a cargo van and have a design that does go above the cab. 

Using Your RV or Camper

How often you use your RV or camper also has a lot to do with the insurance coverage that you get. Many people use theirs only occasionally, so there’s no reason why they should pay the same amount for insurance as someone who lives in theirs. Whether you are in there part-time or full-time, you need to have coverage just in case there should be an accident. Other factors in your policy include the age of your RV or camper and how much it’s worth.

Get Your RV or Camper Covered

When you have an RV or camper, it’s important that it always has an insurance policy on it both to stay legal and to keep you financially protected. Call us at Saucon Insurance Agency in Bethlehem, PA.

Why You Should Also Look Into Collectors Vehicle Insurance

If you feel happy with your classic or collector car or vehicle, you should look further than regular auto insurance. Otherwise, you might miss out on appropriate coverage should your vehicle get damaged or should the vehicle be stolen.

Here at Saucon Insurance Agency in Bethlehem, PA we feel very proud to offer collectors vehicle insurance to residents in the state of Pennsylvania. Because of our work with multiple providers, we can show you more than one quote to ensure the best possible coverage for you and your vehicle.

Benefits of collectors vehicle insurance

As stated above, regular auto insurance usually does not cover you in case something happens to your classic vehicle. Some benefits of getting additional insurance on your collector’s vehicle include:

Your classic car usually goes up in value rather than down

Because you own and/or drive a vehicle that not many people have, the value of your vehicle could go up over time. It is a collector’s item after all, and others often line up to get their hands on a vehicle like yours. You might not decide to drive your vehicle and just have it in your garage as a collector’s item, but your vehicle value will still go up simply by having and maintaining the vehicle. 

A standard policy can only cover so much

If you want to use a standard auto insurance policy and something happens to your vehicle, because of the higher value of your collectors’ vehicle, a standard policy might not cover the full extent of the costs you have.

If you want to give us a call about collectors’ vehicle insurance, call Saucon Insurance Agency in Bethlehem, PA or you can compare quotes via our website. 

How to get the most out of your day with wedding insurance

Your wedding should be your special day. Certain events can occur on, before, or after a wedding day that can cause you certain losses. While this is already disheartening at an emotional level, don’t let this ruin your finances as well.

Saucon Insurance Agency in Bethlehem, PA offers wedding insurance to provide security for your and your partner’s special day. We can discuss quotes with you to ensure you have all the coverage you need for your wedding day.

What is wedding insurance for

Certain situations can require wedding insurance. Things of some of the few:

  • The day after your wedding, you go out for breakfast, and you come back to your hotel room, and your room is broken into; all your gifts were stolen. While you can’t gain back the value of opening presents and seeing what everyone bought you, you can be covered for the financial losses of losing these presents.
  • It’s the week before your wedding, and you’re incredibly excited. You’ve started to feel unwell in the last couple of days, but it’s probably nothing. However, a few days before the wedding you are so sick you don’t think you’ll be able to go through with the wedding. You will have to cancel it. Wedding insurance can cover this so that both you and your wedding venue don’t lose out.
  • You had your eyes set on your dream wedding in a forest, but on that day, a fire breaks out, and it is too dangerous to go ahead. This means your wedding needs to either be rescheduled or moved. 

Call Saucon Insurance Agency in Bethlehem, PA to talk about wedding insurance options.

Is Boat Insurance Required in Pennsylvania?

Boat owners in Bethlehem, PA know the adventure and good times that can be shared with family and friends on the water. Even as summer draws to an end, there are still plenty of warm weather days ahead to take the boat out, fish, water ski, and catch some sun. 

Before your next trek out in your boat, make sure your boat insurance is up to date and the coverage you hold is enough in the event of an accident, damage from weather, vandalism, theft, and more.

At Saucon Insurance Agency, we strive to bring Pennsylvania residents the most up-to-date and full coverage plan options for their homes, cars, and recreational vehicles. 

Boat insurance can be overwhelming because if you don’t know what options you have, you can risk getting stuck with coverage that isn’t enough in the event of an accident, bad weather, or damage.

When you make a large financial investment in something like a boat, you should be proactive to ensure the boat is well protected by an insurance policy. We highly recommend avoiding letting your insurance lapse in the winter months when it’s in storage because damage and theft can still occur during that time. 

Whether you store your boat off-site, at your home, or a few hours away, it should remain insured all year round.

Knowing your expensive assets are covered all year round is worth the peace of mind you’ll gain in return.

Life in Bethlehem, PA is unlike anywhere else and can be even more enjoyable with a boat. At Saucon Insurance Agency, our team of agents can get to know your individual situation and personal needs for insurance, and make recommendations based on your lifestyle.

Is RV & Camper insurance a Good Idea?

So, you have made a huge step in your life by investing in an RV you have always dreamt about. But is that all? Before hitting the road to enjoy your newfound toy, you need to invest in RV and camper insurance from Saucon Insurance Agency in Bethlehem, PA.

But like most people, you need to make sure that you get value for money for everything you put your cash on. With this in mind, you might ask: Is investing in RV insurance a smart decision? If you would like to find out, please keep scrolling.

Why should I invest in RV insurance?

If you love outdoor activities, you may be thinking of joining tons of Americans that own a recreational vehicle. But now that you understand you need insurance, you might need to know whether it’s worth it. Well, here are reasons why RV insurance is a necessity.

It may be required

If your RV is motorized (has an engine and steering wheel), you must insure it if you want to drive or park in public places. Just like auto insurance, you may be required to maintain minimum liability coverages for your RV. 

To protect your asset

Even though insurance isn’t mandatory for some RVs, you still need it to protect the asset you have worked so hard to purchase. RV insurance repairs and even replace your investment in case of a total loss.

Liability protection

In the course of using your camper or motorhome, you could be at fault for accidents. You don’t have to dent your pockets when this happens because RV insurance handles liability claims on your behalf.

Buy RV insurance today in Bethlehem, PA!

Would you like to purchase insurance for your camper or motorhome? Look no further than Saucon Insurance Agency. We offer customizable RV insurance policies that suit your budget, lifestyle, and other unique needs.

What is Employee Benefits Insurance?

Our team at Saucon Insurance Agency is poised to meet all of the insurance needs of our Bethlehem, PA customers. Employee Benefits Insurance combines many different forms of insurance designed to meet various needs. These plans include health insurance as well as employee stock plans.

Employee benefits liability
Employee benefits liability or (EBL) is insurance designed to cover businesses when they make errors and omissions in administering employee benefit plans. This type of insurance can help companies invest in a backup plan when these errors occur. 

Workers Compensation
Most companies are required to provide workers’ compensation for employees who are injured on the job. Our insurance agency can help your company establish workers’ compensation coverage for your employees. This is usually a requirement. 

Health and Dental Insurance
Our insurance agency is happy to introduce employee benefits insurance to companies who want to offer the option of insurance to their employees. These packages include health and dental insurance which allows employees to visit their dentist or doctor and pay a manageable co-pay. 

Life Insurance
Life insurance is another form of insurance that may be offered as part of an employee benefits program. Life insurance is designed to take care of your financial obligations and family in the event of your death, maybe even untimely death. We can help guide any decisions that an employee may need to make when it comes to life insurance. How much? What type? The questions can be endless. We’re here to help. 

Profit-Sharing/Employee Stock Plans and More…
Other employee benefits can include stock options, profit sharing, 401K’s as well as other forms of benefits that help create more financial security for employees. Our Bethlehem, PA team at Saucon Insurance Agency is ready and waiting to answer any and all of your employee benefits insurance questions. Give us a call.

How much general liability insurance do you need?

Your business in Bethlehem, PA is one of your greatest assets. Not only does your company provide revenue, so you can enjoy a comfortable lifestyle, but your small business also serves as a pillar in the community. What would happen if a customer were injured while at your facility? Do you have enough general liability insurance protection to guard against financial ruin? The agents at Saucon Insurance Agency can help you determine if your coverage is enough. 

Is general liability insurance required?

There is no state law that requires business owners in Bethlehem PA to have general liability insurance. You may, however, be required to show proof of such protection if you are leasing commercial space in town. 

You should not forgo general liability protection simply because it may not be required. Many small business owners are faced with the possibility of closure after an incident in which an injured customer’s medical bills and other expenses drain the company’s assets. 

How much general liability insurance do you need?

The amount of general liability coverage you need will depend on a number of factors, which include the type of business you are running as well as how often customers frequent the facility. 

In general, small business owners who have at least $500,000 in insurance protection can breathe more easily when the unthinkable happens. Entrepreneurs with upwards of $1 million in protection may find themselves fully protected when a customer is injured and demands payment for related recovery costs. 

Call Saucon Insurance Agency for help!

We have been around for years and understand the importance of the small business sector in Bethlehem, PA. Call us today if you feel your general liability insurance coverage may not be enough!

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.

Is it Time to Update my Auto Insurance?

Auto insurance is a topic you cannot evade if you own a car. More still, because it’s mandatory to carry one in almost all states, including Pennsylvania. Also, remember the policy is essential as it cushions you against costs associated with accident-related cases.

Yes, you have the auto insurance policy, but have you ever asked yourself whether the coverage is enough? Imagine an incident involving your car, and your insurance informs you that this particular one is not insured. How devastating could this be? Well, that’s why it’s essential to update your insurance to avoid such incidents. 

But how do I know I should update my auto insurance? At Saucon Insurance Agency of Bethlehem, PA, we advise our clients to assess their auto coverages every year. However, your review doesn’t have to wait for a year when the below happens:

You have bought a new car

When you buy a new car, you need to transfer your old policy to reflect your new vehicle. The upgrade is necessary as a new car has a different sum assured different from your old vehicle.

You have a teen driver

If your teenage daughter or son starts driving your car, you need to upgrade your policy. Teenagers are considered risky drivers, and this will have an impact on your premiums. 

Your liability increases

Most people start their insurance policy by purchasing the minimum coverage required by the state. But with time, you realize the need to add your liability coverage to cover you optimally in case of a severe accident.

Auto insurance in Bethlehem, PA 

Upgrading your auto insurance policy is relatively straightforward. All you need to do is fill in the upgrade details in the renewal form. Ready to upgrade your policy? Call us at Saucon Insurance Agency for more information. Even if you are not sure whether your current policy is sufficient, talk to us for more details.

What Is Not Covered By Personal Umbrella Insurance?

Umbrella insurance is an add-on insurance policy, which for more, is worth buying. These policies provide additional coverage where existing insurance policies fail. For example, if you are in an accident in Bethlehem, PA, and sued for damages, your insurance policy only covers up the limits in the policy. The remaining balance of damages would be covered under an umbrella insurance policy. However, there are some things that umbrella insurance does not cover. 

Get covered today and call us at Saucon Insurance Agency to discuss more options and umbrella insurance coverage. 

Here are some of those things not covered by an umbrella insurance policy: 

Business Losses

Personal umbrella insurance policies do not cover losses related to your business operation or damage to business property. This exclusion even applies if you have a home-based business. Additionally, personal umbrella insurance does not cover business-related liabilities. 


Liability arising from a written or oral contract you have entered into is not typically covered under a personal umbrella insurance policy. If sued regarding these contracts, you are most likely not protected by the umbrella policy. 

Criminal and Intentional Actions

Your personal umbrella insurance policy will not protect you from consequences related to any intentionally harmful or illegal actions conducted by you. 

Personal Property

Umbrella insurance protects you against damages to someone else’s property should you be held responsible for the damage. However, umbrella insurance typically does not cover your personal property or damages to your property. 

Who Needs Umbrella Insurance? 

Anyone can benefit from purchasing a personal umbrella insurance policy. It is beneficial because accidents can happen to anyone at any time, and having the extra coverage provides you the protection against facing significant financial loss. 

Personal umbrella insurance in Bethlehem, PA helps protect you against liability associated with accidents and damage to another person’s property. For additional information, call our agents at Saucon Insurance Agency today.