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. 


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. 


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.

What is included with my auto insurance?

In the Bethlehem, PA area, owning a car is very common. Many people here end up purchasing a vehicle to ensure that they are able to get around town and complete their daily tasks. If you are in the market for a new vehicle, you should make sure that you get proper insurance coverage as well. A quality auto insurance policy is going to include a variety of different types of insurance coverage. 

Insurance Includes Liability Protection

One of the key advantages that come with an auto insurance policy in this area is that you will receive coverage for liability risk. Those that are at fault in any type of accident will need to pay for damages. If this does happen, your auto insurance will give you coverage up to the policy limit damages that you are responsible for. Additionally, having this coverage is a requirement that wants to drive a vehicle in this state.

Insurance Covers Assets

You will also want to have auto insurance because it can cover your valuable asset. A car is a major purchase that you need to protect. When you get auto insurance with comprehensive and collision coverage, you will be protected for almost any scenario that could result in a loss. This could be very valuable if your car is stolen or damaged. 

Those that are in the market for auto insurance in the Bethlehem, PA area should speak with the team at Saucon Insurance Agency. When you speak with the insurance team at the Saucon Insurance Agency you can learn a lot more about what your needs and options are when it comes to auto insurance. Based on this conversation, the team will then be able to help you get into a new policy that offers the right type and level of coverage. 

A Thorough Overview Of What Umbrella Insurance Entails

For over 100 years, Saucon Insurance Agency has assisted the Bethlehem, PA community by offering residents insurance coverage. We work closely with our clients to help them find the insurance coverage that aligns with their individual needs. As an independent agency, we have established partnerships with several insurance companies throughout the state.

Umbrella Insurance

Umbrella insurance provides you with an extra layer of protection to help cover your assets. The policy is very beneficial during times when you want to avoid over-extending the coverage that you currently have. The policy also covers you during serious situations in which you may be held liable. If you have a pet whose behavior is hard to predict, you will be covered if your pet accidentally injures someone. You will also be covered if you are involved in an auto accident in which you cause serious damage to someone’s property. Umbrella insurance adds a safety net in the event that you are involved in a liability dispute.

Having an umbrella insurance policy is important if you have a significant amount of valuable assets. Potential liability disputes may put those assets at risk. However, your policy will help you secure those assets. You should also consider the benefits of umbrella insurance if you are involved in a profession that has very high liability risks. The policy will help alleviate some of the stress that comes with working in such a risky profession.

If you are a business owner in the Bethlehem, PA area, umbrella insurance will help you protect the future of your business. There are serious liability risks that come with operating a business, especially in regards to your employees. Umbrella insurance helps ensure that regardless of what happens in the future, your assets are protected.

Saucon Insurance Agency Will Help You Protect What Matters Most

For more information on the benefits of umbrella insurance, visit our website.

Why should I get motorcycle insurance?

Those that live in the Bethlehem, PA area are going to need to have a vehicle to get around town. When you are looking for a new vehicle here, there are a lot of different options to consider. One great option would be to get a motorcycle as these vehicles can be fun to drive and are quite efficient. If you are looking for a motorcycle here, you also need to consider your insurance needs. There are several reasons why you should get motorcycle insurance.

Insurance is a State Requirement

One of the main reasons to get a motorcycle insurance policy is that it is a state requirement. Anyone that wants to operate a vehicle in the state of Pennsylvania will be required by law to carry a liability motorcycle insurance policy at all times. If you do not have this, you will not be in compliance with state law and could face stiff penalization.

Required to Protect Motorcycle

Another important reason to get a motorcycle insurance policy is that you will need it to protect your vehicle. A motorcycle is an investment that you should always carefully protect. One of the best ways that you can do this is with a collision and comprehensive policy. If you do get this full insurance protection, it will give you coverage in the event your motorcycle is stolen or damaged.

If you are going to get a motorcycle in the Bethlehem, PA area, you should contact Saucon Insurance Agency. When you do call the Saucon Insurance Agency you are going to receive great guidance and support. The team here will be able to answer any questions that you have while also ensuring that you pick the right policy for your situation to ensure you continue to have proper coverage. 

Do I really need toy insurance for my golf cart?

Many people use golf carts as a fun and convenient way to navigate small distances. They are easy to drive and have just enough speed to quickly get you from point A to B. However, all that fun and convenience may make it hard to recognize that a golf cart is a moving vehicle which carries with it a certain amount of risk. This is one of the many reasons why toy insurance is a smart and safe investment.

As with any moving vehicle, accidents can happen. Although golf carts don’t have a lot of speed and they aren’t cars, there’s still an element of risk when it comes to injury to others or yourself, and damage to property in the event of an accident. Toy insurance creates peace of mind in that it provides a certain amount of protection from liability by covering some or all of the cost for damage to other people’s property or injury to others. Like car insurance, it provides protection for the golf cart, you, property, and others. The protection also includes medical bills. 

Not Required Everywhere…but Helpful…
Golf cart insurance isn’t required in every state. However, the protection provided by toy insurance is invaluable and can prevent you from having to pay for damage to other people’s property, in the event of an accident, or injury to others, with your own money. Accidents can be quite costly. Many of us simply wouldn’t have the money to cover the cost of an accident or damage to someone else’s property. Basically, if you’re going to move it or drive it you can benefit from coverage that can and will protect you in an unforeseen accident. The Saucon Insurance Agency of Bethlehem, PA is dedicated to helping people understand the benefits of toy insurance. If you own and operate a golf cart, toy insurance can provide practical benefits as well as peace of mind. Give us a call. We’re here to answer your questions. 

Common Misconceptions About Flood Insurance Pennsylvania Residents Should Avoid

Saucon Insurance Agency assists the Bethlehem, PA community through providing residents access to multiple types of insurance policies. As an independent agency, we have established successful partnerships with multiple insurance companies. We are committed to helping our clients find the coverage that they need to protect their assets.

Common Misconceptions About Flood Insurance

Potential flooding is a threat that many homeowners have to deal with in today’s ever-changing weather conditions. Flood insurance gives you a security net so that you are covered in the event of an emergency. While you are researching different policies, be aware of some common misconceptions regarding flood insurance.

Flood Insurance Should Not Be A Priority

Even if you reside in an area of Pennsylvania that has a low risk of flooding, you should still consider the benefits of flood insurance. A severe storm or natural disaster can happen at any time. Flooding can cause serious damage that you do not have to worry about because you will be protected through your flood insurance policy.

What If I Don’t Own A Home

Even if you don’t own a home, you may still be at risk. Flooding can cause damage to apartments and condos as well. Without flood insurance, you risk being unprotected in the event that your property and valuable possessions are damaged.

All Water Damage Is Similar

Be sure to check the language in your policy carefully. If your property is damaged due to a leak in your water heater of a broken pipe, that may not be covered under flood insurance. Consider elevating some equipment and plumbing above floor level.

Saucon Insurance Agency Can Help You

For over 100 years, we have proudly served the Bethlehem, PA community. To learn more information about how we can assist you, please visit our website.  

Explaining Camper & Boat Insurance

Saucon Insurance Agency assists the Bethlehem, PA community through helping residents find the coverage that they need to protect their assets. We use our standing as an independent agency to our advantage by ensuring that our clients find policies that align with their individual needs.

Camper & Boat Insurance

If you enjoy taking your camper across the country to enjoy new experiences, it’s important that you have protection. Camper insurance allows you to protect one of your major investments. The policy protects the camper in the event that it is damaged or vandalized. The policy also covers the inside of your campers and all of your possessions. Comprehensive coverage ensures that you have protection in the event that your camper is damaged in a fire or some other type of natural disaster. You can amend your policy to cover any water damage to your camper as a result of flooding or drainage issues.

It’s important that you have liability coverage as well so that you will be protected in case there is an accident and someone gets injured. The policy also covers your boat in the event that it is damaged or stolen. If your boat is vandalized while you are camping somewhere, you will be protected. When you bring your boat on the water, pay attention to the navigational limits, so that you will avoid areas where you don’t have coverage.  You can amend the policy to ensure that all of your belongings and accessories on the boat are covered in the event that they are stolen.

Consult With Saucon Insurance Agency

Stop by our office in Bethlehem, PA today. We will assess your situation and help you find the coverage that you need.

Three mistakes to avoid when you purchase RV insurance

You need to protect the value of your RV and meet your state liability insurance requirements with the right RV insurance policy in Bethlehem, PA. RV insurance is one of the types of insurance we provide at Saucon Insurance Agency.

The following are three mistakes you want to avoid to get the best possible RV insurance coverage for your needs.

Not getting a policy with an agreed upon RV value

You can expect the best results from a total loss in an RV accident if you invest in an agreed upon RV value. Otherwise, depreciation might significantly detract from the amount you get from the insurance company after a total loss.

Failing to specify that you live in your RV

If you live in your RV full time, it’s important to specify a full-time insurance coverage option. This will basically treat your RV like it’s your home and lead to coverage for not only the RV itself but also your possessions within the RV. This is the best option for full-time RVers to protect their assets. 

Buying the cheapest coverage available

There are a lot more factors to consider than just price alone. If you’re just paying the cheapest possible monthly premiums, you might be putting yourself at risk of significant financial damages in the event of an accident.

Make sure you get numerous quotes before purchasing a policy. Also, make sure that you evaluate these quotes carefully and choose the policy that offers the best value. 

Would you like to explore our policy offerings at Saucon Insurance Agency? We’re here to help. Contact us to learn more about our RV insurance policies in Bethlehem, PA. 

A Detailed Look At Employee Benefits Insurance

For over 25 years, Saucon Insurance Agency has assisted the Bethlehem PA community by offering different insurance policies to residents. Our primary goal is to help your clients find the insurance coverage that they need so that they are protected throughout their personal lives and professional careers.

Employee Benefits Insurance

Employees are a valuable part of successful businesses. At Saucon Insurance Agency, we work with our clients to find an employee benefits policy that will identify risks and then help them find solutions to those risks.

Employee benefits insurance helps protect businesses and their employees. In the event that an employee files a grievance or claim against the business, the policy can help protect the business. Employee benefits insurance policies often cover most of the common employee benefits, including health insurance, retirement benefits, worker’s compensation, and pensions. If your business forgets to properly give you all of the benefits that you are entitled to, they may be held liable without employee benefits insurance.

Employee benefits insurance helps businesses ensure that they properly manage their employee benefits programs to avoid any misunderstandings. Employee benefits insurance is also an asset for businesses that offer different benefits packages to individual employees, as well as businesses that have a high employee turnover rate.

Employees could inquire into their policies in order to add language pertaining to getting injured on the job, counseling, as well as any issues related to their salary or retirement plan. Any issues concerning health insurance enrollment should also be outlined in the employee benefits insurance policy.

Saucon Insurance Agency Will Guide You!

We will sit down with you and answer any questions that you may have regarding employee benefits insurance. We strive to ensure that all of our clients adhere to state and federal laws. Stop by our office in Bethlehem, PA today!

Importance of Creating a Safe Work Environment

Safety should be a trademark for any work environment. At Saucon Insurance Agency, we encourage business owners in Bethlehem, PA to make workplace safety a priority. A safe workplace will help reduce accidents, improve morale, and increase productivity – all good reasons for raising the safety standard of your business environment.

Why You Should Make Safety a Priority

A safe workplace benefits both you and your workers in numerous ways.

Workplace safety reduces the risk of accidents and injuries on the job. As a result, you’ll have fewer safety investigations and worker’s comp claims, which can help keep your worker’s comp insurance costs down.

People who work in a safe, healthy environment are happier and more productive, which will increase business revenue. A safe workplace will boost morale, enabling you to retain good workers on a long term basis. A loyal, experienced workforce can be a tremendous asset to growing your company.

A safe work environment promotes health and wellness, reducing the rate of absenteeism for sickness or disease.

Raising the safety level of your workplace reduces the risk of accidental damage to valuable business equipment. You’ll spend less on equipment repair and replacement costs.

Tips for Creating a Safe Working Environment

There are various ways to improve safety in your business environment. Here are just a few:

  • Encourage supervisors and employees to report hazardous conditions in your workplace and take measures to correct them.
  • Implement safety procedures that can help reduce the risk of accidents.
  • Train your employees in how to perform their job safely and how to use industrial machinery.
  • Make sure all employees have the safety gear they need to perform their tasks.
  • Purchase commercial insurance to protect your Bethlehem, PA business and workers against accidents and financial loss.

For more information about commercial insurance coverage and costs, contact Saucon Insurance Agency.