Tweaking Your Umbrella Insurance For Maximum Effectiveness

People in Bethlehem, PA may wonder what umbrella insurance is and why it is a great choice for their home. We at Saucon Insurance Agency believe that many people, with a few tweaks, could use umbrella insurance for their needs. Here is how you can find the policy that works for you.

Identify Issues That Could Impact You

Umbrella insurance is designed to cover problems that other policies do not cover. For example, you may own a large down that is not covered by your home insurance policy. However, umbrella insurance can be tweaked to include dog bite liability. You can also find other types of coverage that are right or your needs.

Research Umbrella Policies That Include Them

Talk to your insurance provider about your unique needs and discuss what kinds of policies cover them. Most will be able to find an umbrella policy that meets your needs. They will add specific coverage types, depending on what you ask, and find a high-quality insurance type that keeps you and your home safe.

Adjust Your Policy Properly

Once you know what kind of coverage you want for your home or property, you can adjust your policy to meet it. For example, you can get dog-bite coverage if you own a dog but avoid other types, such as slip and fall liability, if your home rarely suffers from wet weather. You can also adjust your premiums and co-pays to find a rate that works for you. Talk to your policy providers to find a rate that works for both of your needs.

Interested In Umbrella Insurance?

If you find that your Bethlehem, PA home or property could use extra coverage, contact us at Saucon Insurance Agency. We will work to find a policy that works for your needs and will create umbrella insurance that protects you in unique and specific circumstances.

What are the Minimum Auto Insurance Requirements for Me?

Driving a car is a necessity for many people.  At the same time, it is a very important responsibility that all people need to take seriously.  If you do own a car and drive it on a regular basis, having auto insurance in place is a necessity.  There are several auto insurance requirements that all Bethlehem, PA area residents need to be aware of.  Saucon Insurance Agency will be able to help ensure you get into a policy that allows you to meet these requirements.  

Liability Coverage

Similar to other states, Arizona requires that all drivers carry liability insurance on their vehicle whenever they are on the road.  For drivers in Arizona, the minimum coverage requirements are $10,000 in property damage per incident and minimum bodily injury coverage of $15,000 per person with a cap of $30,000 per accident.  While this is all that you are required to carry by law, it is recommended that you get higher liability insurance coverage levels to ensure you are properly protected. 

Collision and Comprehensive

While you are only required by law to carry liability insurance on your car, it would still be a good idea to get collision and comprehensive coverage.  This will provide you with financial coverage if your car is stolen, damaged in an accident, or vandalized.  Furthermore, if you have a loan or lease out on your car, you will be required by law to carry this type of insurance.  

For those that are looking for a new car insurance policy in the Bethlehem, PA area, speaking with the Saucon Insurance Agency would be a great option.  This company will be able to provide you with a variety of services to ensure you are properly protected and in compliance with all relevant requirements.  


When to Consider Umbrella Insurance

There are all kinds of different insurance policies that are available in the market. With so many to choose from, it can be difficult to determine which are the right ones for you and your needs. You definitely do not want to get an insurance policy just to have it but if it would be beneficial to you, you may want to consider it. An umbrella insurance policy is one of those that many people do not quite understand. Here at Saucon Insurance Agency, serving Bethlehem, PA, we know just how great of an option it can be if it works for your needs. 

For most people, other types of insurance are just enough for their coverage. However, you may want to consider getting umbrella insurance if you simply cannot get the coverage you need from a standard policy. For example, if your home or vehicle is worth more than what you can get in coverage through a home or auto policy, an umbrella insurance policy can cover the remaining. It is also a good policy for those who throw a lot of parties with a lot of people because it provides added liability protection if something were to go wrong. It is also a good option for anyone that is well known in the community because it provides help with slander cases. 

If you think that an umbrella insurance policy would be a good option for you, be sure to reach out to us here at Saucon Insurance Agency, serving Bethlehem, PA, today. We can help you explore your options and verify that it would be a good insurance option for you. We will even provide you with a free quote that meets your needs and budget. 

How Your Motorcycle Insurance Agent Can Help

You want to make sure you have good insurance coverage because that means financial protection and peace of mind. But in order to get that coverage, you’ll want the right agent. When you live in Bethlehem, PA, you can work with Saucon Insurance Agency to protect your motorcycle investment and get the coverage and protection you need and expect. Motorcycles in Pennsylvania require insurance in the same way that other vehicles do, unlike some states where ensuring a motorcycle is optional. But there’s more to the policy than just the coverage it offers. There’s also the insurance agent you choose.

With the best agent for your needs, you can feel comfortable that the policy you get will also be the right one. Then you’ll have the opportunity to get the information and assistance you want so your insurance will give you proper protection. That protection is vital since you are protecting both your motorcycle and your person, along with other people on the road and their vehicles. Your agent can help you get the coverage you should have under the law, and talk with you about options for adding any additional coverage you might want.

The peace of mind and financial protection you receive from the right policy are both significant, and you can get both of them in one place when you ensure your Bethlehem, PA motorcycle with Saucon Insurance Agency. Not only will you have the coverage you need, but you’ll have an agent you can rely on when you have questions or you need to make a change. Then you can take your motorcycle out into the Pennsylvania sunshine and really enjoy it, knowing that you have the right policy, coverage, and financial protection for your specific needs.

Don’t Play Around With Your Insurance

Toys and collectibles have become big business as people reclaim memories from their childhood or simply engage in the business of toy collecting. Find reliable toy insurance through our independent agents at the Saucon Insurance Agency. Proudly serving the Bethlehem, PA communities, we have access to the latest insurance policies available for protection of your toy collections and investments.


Whether it’s Tonka or Barbie, the original Star Wars collection, or anything else, your toy collection represents parts of your childhood that involve imagination and the innocence of younger days. You’ll want to protect those objects with their emotional ties. We can discuss unfortunate incidents that you have to think about, like forces of nature, theft, and other loss. Toy insurance will assist you in maintaining your collection that has taken so much energy to gather together.


When you invest in toys, you invest in the culture of childhood. People want to preserve those memories and that childhood excitement, and you can help them. Investing in reliable insurance coverage allows you to continue your business free of worries should anything unforeseen happen to it. Insurance will help you get your feet back on the ground when things go wrong due to Mother Nature, loss, and accidents. Preserve the culture. Protect your business. Secure your investment. 


Learn the facts about toy insurance coverage and safeguard your investments. Our representatives at the Saucon Insurance Agency can sit down with you, learn about your collections, and answer your questions. We’ll find the policy that will work for you and give you peace of mind. After all, collecting toys means collecting unique memories, and you don’t want to play around with that. Contact us in the Bethlehem, PA area today.

Protecting Your Livelihood with Umbrella Insurance

Umbrella insurance pays additional funds when your primary policies are triggered. Self-employed people, solopreneurs, private contractors, home-based workers, and other non-traditional wage earners need umbrella coverage to protect the tools and property they use to make a living. Here are some ways a commercial umbrella policy from the Saucon Insurance Agency can keep your Bethlehem, PA business solvent through a number of threats.

  • General liability policies cover costs associated with loss or damage that occurs on your property. If a visitor claims to have been hurt or had property destroyed while on your property, general liability covers your portion of court-ordered payments. However, serious injuries or catastrophic loss of property can quickly eat up standard payouts, leaving small business owners to pay these costs out-of-pocket. Umbrella insurance policies can cover those costs instead, leaving your precious cashflow free to work for you.
  • Commercial auto insurance protects the fleet, service, and other business vehicles. During times of expansion, small business owners may invest in new vehicles to expand their abilities to deliver goods and services. If an accident causes severe damage to the new vehicle, the primary auto insurance usually covers any remaining financed costs. The business owner is left to find the funds to replace the missing vehicle. An umbrella policy would provide enough additional funding to purchase a replacement vehicle so no opportunities are lost.
  • Professional liability insurance protects workers, like medical professionals, who work directly with the public. If a client sues the professional for malpractice, professional liability policies help pay for lawyers, fees, and other costs associated with the case. This coverage may not be enough to protect private wealth from court-ordered restitution payments. An umbrella policy protects professionals from losing their property in a legal case.

Saucon Insurance Agency offers customized business insurance policies in the Bethlehem, PA area. Contact our representatives now to find out how umbrella coverage can complete your protection plan.

Is RV Insurance Required for Me?

If you are looking for a fun mode of transportation and a way to see the country, buying an RV can be a great option.  When you do choose to buy an RV, you will also be making a very big purchase and investment.  Because of this, you will need to have insurance on the RV to ensure you are properly protected.  There are several different types of requirements that RV owners will need to have in place.

Minimum Liability

When you are looking to drive an RV, you will first need to comply with the state minimum liability requirements.  For those that are in the Bethlehem, PA area, the state of Pennsylvania has minimum liability requirements for all drivers of RVs. Their requirements are identical to the requirements set forth for all automobiles.  The state requires that you carry bodily injury liability coverage of at least $15,000 per person and $30,000 per incident.  You will also need to have coverage of at least $5,000 for property damage liability and uninsured motorist coverage of $15,000 per person and $30,000 per accident.  

Additional Coverage Requirements

While the state only requires that you carry liability insurance coverage, it would also be a good idea to carry additional types of insurance coverage.  Some other options to consider include carrying collision and comprehensive insurance coverage.  These types of insurance will provide you with coverage in the event you are at fault in an accident or are in an accident with an uninsured motorist.  Comprehensive coverage will also provide you with coverage if your vehicle is stolen or damaged.  If you took out a loan to buy the RV, you will be required under the loan agreement to carry these types of coverage.

For those that are in the Bethlehem, PA area, reaching out to the Saucon Insurance Agency could be a good option. The Saucon Insurance Agency can help you get into an RV insurance policy that provides you with the coverage you need.  

Flood Insurance On A Rarely-Used Summer Home

Saucon Insurance Agency has helped many Bethlehem, PA get coverage for their summer homes. However, if you rarely spend time in your vacation house, you may leave it open to serious floods. As a result, it is important to know how your insurance may be affected by your lack of presence in this house.

Coverage Varies Based On Risk

Homes in a high-risk area for flooding (such as those near a lake) must have flood insurance to protect them. In these areas, you are likely to have to pay a little extra for your coverage. That said, the policy will typically be stronger and stay in effect longer than if you lived in a low-risk home. It is usually a good idea if your summer home has ever been flooded or if areas near it have suffered from excessive water.

Content Coverage Is Possible

The contents of your summer home can be protected by the use of a specific coverage type known as content coverage. This helps to protect these items in your summer home from being a total loss during a flood. Just as importantly, it can provide you with the finances you need to recover.

Vacancy Issues May Be At Play

Vacancy is an issue that plagues many people who own more than one home. Your primary home is typically considered vacant or unoccupied if you haven’t lived in it for 30-60 days, depending on your state. A summer home may fall under a similar heading, meaning that your insurance could be voided when a flood strikes it. However, some flood policies have a clause that protects against this danger.

Talk To Us About This Concern

If your Bethlehem, PA summer home is vacant for extended periods of time, you may want to contact us at Saucon Insurance Agency today. We can help you decide what kind of coverage you need for your summer home and prevent serious damage problems.

5 Things You’ll Want Covered by Your Boat Insurance Policy

If you own and operate a personal boat, there are a number of things you’re going to want to be covered by your boat insurance policy. Saucon Insurance serves those in the Bethlehem, PA area who are looking for the boat and other kinds of insurance. Here are five things you’re going to want to be covered in your boat insurance policy:

1. The Places Where You Are Planning to Boat

If you want to boat more than 75 miles off of the U.S. Coastline, you may need to purchase additional area coverage in order to ensure you’ve protected the areas where you are planning on going boating. 

2. Medical Expenses

Should you have an accident while boating and people are injured, having medical coverage for injury-related expenses can be useful. 

3. Boat Damage and Fuel Leakage

If your boat is damaged at some point and fuel spills into the water, then you could be held responsible as the owner fo the boat. Being covered on this point by your policy will mean fewer expenses should this happen.

4. Liability

You can acquire liability insurance, which functions similarly to car insurance. If you’re at-fault in a boating accident, then the insurance would cover the damages to other boats and any of the other party’s medical expenses that are incurred. 

5. Agreed Value 

Having coverage for your boat’s agreed valued, the value that it’s insured at can mean if it’s destroyed or stolen you can get back that full amount. 

If you’re looking for boat insurance and are located in the Bethlehem, PA area, contact Saucon Insurance today for more information. 


About General Liability Insurance In Pennsylvania

Small businesses are intricate parts of the economic sector in Pennsylvania. Among the thousands of companies in the state, more than 49 percent were small businesses with fewer than 500 employees. With so many entrepreneurs fueling the financial aspect of the region, it is essential to know about commercial liability insurance in Pennsylvania. Of course, Saucon Insurance Agency can help you find the best policy that will suit your needs in Bethlehem, PA. Here are a few other concepts about general liability insurance that you should know if you own a small business in Pennsylvania. 

Commercial Liability Insurance Protects Your Company

Financial loss can be significant when your business loses a lawsuit or falls prey to thieves who damage your physical property. Imagine your boat and wildlife company having to close for an extended period because of a break-in that left you without money and supplies. General liability insurance may cover some of the expenses related to the incident so that you can reduce out-of-pocket costs. The indemnity plan may also include costs associated with employee injuries and lawsuit costs such as lawyer fees and court assessments. 

General Liability Insurance Protects Against Financial Loss Caused By Frivolous Lawsuits

Pennsylvania is, unfortunately, ranked among the nation’s top states for petty lawsuits. The state’s constitution does not limit non-economic damages in liability suits and, thus, inevitably invites those who are looking for a quick payout to bring up frivolous charges against small businesses. You could easily find yourself on the receiving end of a lawsuit if a patron spills hot coffee on himself after leaving your coffee shop. It is in such instances of utter pettiness that you need a lawyer to fight for your innocence and assets. You also need an indemnity plan that pays out while you defend the integrity of your company in court. 

The amount of commercial liability insurance you obtain mainly depends on the type of business you have in Bethlehem, PA. Let an agent at Saucon Insurance Agency help you find the right policy. Contact us for a quote today!