Who needs to carry an umbrella insurance plan?

Managing personal liability risks is vital for anyone who lives in the Bethlehem, PA, area. As you are looking to manage your personal liability risks properly, getting insurance is always a good idea. One type of coverage to consider obtaining is umbrella insurance. This is blanket liability insurance that offers excellent support in various situations. There are various scenarios when someone will want to carry this insurance. 

When Not Protected by Certain Risks

Home and auto insurance do provide many people with meaningful liability coverage. However, these policies will not provide all the coverage needed to offset all personal liability risks and concerns. In these situations, you could face liability risks you are not protected against. However, if you have an umbrella insurance plan, you will have helpful coverage that provides blanket support to ensure you remain appropriately covered and protected. 

When Limited in Coverage

If you have other liability insurance through different insurance plans, it is still a good idea to consider liability insurance. The other policies tend to have limited amounts of coverage that can be exhausted if a liability claim is significant enough. Under umbrella insurance, you will get additional coverage for your existing policies. This will ensure you are supported if you are found responsible for a bad claim. 

A proper umbrella insurance plan should be necessary if you are in the Bethlehem, PA area. If you are looking for this coverage here, you can start the process by calling our team at Saucon Insurance Agency. There are many options to consider when looking for coverage, and our team at the Saucon Insurance Agency can answer any questions you have. 

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.

 

Can You Drive a Collector’s Car Every Day with Collector Vehicle Insurance?

We make insuring your car easier at Saucon Insurance Agency. Serving the Bethlehem, PA area, we offer collector’s vehicle insurance, also known as classic car insurance. These auto policies let you cover your vintage or collectible vehicle for the full replacement cost value, but you do have to agree to certain stipulations.

Limited Driving Miles

When you purchase one of these policies, you agree only to drive the vehicle 1,000 miles per year. That means if someone drives a collector’s car as their main vehicle, they would need to either garage it instead and use a different vehicle daily or opt for other insurance.

Because the insurance policy pays out at such an increased value, the company must lower its risk somehow. Insurance companies do this by decreasing the number of miles you can drive.

The policy lets you drive the vehicle in parades and show it at car shows. These miles count towards the 1,000-mile maximum, though.

Lower Premiums

Collectors’ vehicle insurance costs less than typical auto coverage. You earn these lower premiums by choosing to drive the car less. As long as you don’t need your collectible car for everyday driving, opting for this type of insurance policy saves you big money on premiums and if an accident ever damages your collector’s car.

Contact Our Agency Today

At Saucon Insurance Agency, we want to help the residents of Bethlehem, PA better protect their vehicles. Contact us today to obtain coverage for your classic vehicle. Let our helpful insurance agents set you up with the vehicle coverage you need to protect your classic car investment.

Frequently Asked Questions About Wedding Insurance

Wedding insurance is a valuable safety net that can protect your big day from unforeseen events. Most people don’t know that wedding insurance is even a thing, but here at Saucon Insurance Agency, we provide residents in the greater Bethlehem, PA area with insurance; we want to work to change that. Here are some of the questions you may have about wedding insurance. 

What Does Wedding Insurance Cover?

Wedding insurance typically covers various aspects of your wedding, including cancellation or postponement due to unforeseen circumstances, venue mishaps, vendor no-shows, weather-related issues, illness or injury, and lost or damaged wedding attire and gifts. It can also provide liability coverage for accidents that occur during the event.

Is Wedding Insurance Worth the Cost?

The cost of wedding insurance is relatively small compared to the overall expense of a wedding. It offers financial protection and peace of mind in case of unexpected disruptions. Considering the substantial investment in your wedding, the cost of insurance is a prudent investment.

When Should I Purchase Wedding Insurance?

It’s best to purchase wedding insurance as soon as you start making deposits or payments for your wedding, such as booking the venue or hiring vendors. The earlier you buy it, the more coverage you’ll have in case of unforeseen events.

Wedding insurance can provide essential protection and peace of mind for your special day. It covers a range of potential issues and ensures that your investment is safeguarded against unforeseen circumstances. If you’re looking to purchase wedding insurance in the greater Bethlehem, PA area, the team at Saucon Insurance Agency can help you select the policy that best protects you. Give us a call, or feel free to email us to learn more. 

Comprehensive Guide to RV Insurance Solutions for Pennsylvania Drivers

Pennsylvania’s residents passionate about hitting the open road understand the importance of planning when preparing for an RV camping trip. 

Excited RVers always ensure their RV is stocked with their favorite goodies and check their towables and pull-behinds before venturing out to their favorite campground or public lands off the beaten path. 

Remember to Get RV Insurance Before You Hit the Road! 

Pennsylvania RV insurance safeguards your RV, its passengers, and your valuables stored along for the ride. Insurance professionals at Saucon Insurance Agency in Bethlehem, PA can help Pennsylvania RV owners get customized insurance coverage for the following types of RVs. 

  • Class A Motorhome
  • Class B Motorhome
  • Class C Motorhome
  • Travel Trailer 
  • Fifth-Wheel Trailer
  • Popup Trailer

What Kind of Insurance Can I Get for My RV? 

There are a few different RV insurance coverage options for RV owners. Many coverages that protect recreational vehicles are similar to auto insurance protection. 

Types of RV Insurance

Liability Coverage for RVs

Pennsylvania driving laws require RV operators to have adequate insurance to cover bodily injury or property damage in the event of a severe RV accident. 

Comprehensive and Collision Coverage for RVs

This upgraded coverage adds insurance protections to help repair or replace your RV if damaged or totaled in an accident. 

Comprehensive and collision coverage is a two-fold RV insurance that adds protection from non-collision-related incidents, including vandalism, theft, and natural disasters. 

Don’t Hit the Pennsylvania Roads without the Right RV Insurance! 

Talk to an RV insurance agent at Saucon Insurance Agency in Bethlehem, PA, to learn about your coverage options and add-ons like total loss replacement, roadside assistance for RVs, and customizing your RV insurance policy. 

Contact Saucon Insurance Agency and get a free RV insurance quote today.

Navigating Liability: Understanding Liability Coverage in Boat Insurance

Boating is a cherished pastime, but navigating the waters of insurance coverage, specifically liability coverage in boat insurance, is essential. Here’s a guide from Saucon Insurance Agency, serving the greater Bethlehem, PA area, to help you understand this crucial aspect:

What Is Liability Coverage?

Boat liability coverage is an essential component of your boat insurance policy. It provides financial protection in case you’re held responsible for property damage or bodily injuries resulting from a boating accident where you’re at fault.

Types of Liability Coverage:

  • Bodily Injury Liability: This covers medical expenses, lost wages, and legal fees if someone is injured due to your negligence while operating your boat.

  • Property Damage Liability: It covers the costs of repairing or replacing another person’s property, such as another boat or a dock, that you damage in an accident.

Coverage Limits:

Your boat insurance policy will have specific coverage limits for liability. It’s crucial to review these limits and ensure they provide sufficient protection. You may be personally responsible for the remaining costs if the damages or legal expenses exceed your coverage limits.

Comprehensive Protection:

While liability coverage is vital, don’t overlook other aspects of boat insurance. Consider comprehensive coverage that includes protection for your boat itself, personal property on board, and coverage for non-collision incidents such as theft, fire, or natural disasters.

Understanding boat liability coverage is crucial for responsible boat ownership. It safeguards your financial well-being and provides peace of mind while enjoying your time on the water. If you have recently purchased a boat, or your policy no longer meets your needs, the team at Saucon Insurance Agency, serving Bethlehem, PA, can help you find the right policy for your needs. Call or email us now.

Commercial Insurance Protects Customers and Employees

Owning a business comes with a lot of important details to consider. One of the most significant details is ensuring you have the right commercial insurance policy to protect your company. But having good insurance is about more than just the company itself. It’s also about protecting your employees and your customers. If you’re in the Bethlehem, PA area, Saucon Insurance Agency can help you find a reliable commercial policy for your specific business needs.

Know Your Commercial Policy Options

Not all commercial policies are the same, but they all have the same basic goal, to protect your business and the people who use it. If you have a business where employees work for you, or customers come into your place of work, insurance is vital to protecting your interests and keeping yourself and others safe. Not only does this increase your security, but it can also add to your peace of mind. 

To get the best commercial policy for your business, you want to ensure you’re asking good questions and working with the right people. Choosing a trusted agent lets you get all your questions answered and makes it easier to select a policy that offers you and your business everything needed to keep moving forward.

Contact us today at Saucon Insurance Agency if you’re in the Bethlehem, PA area and need commercial insurance. Whether you’re just starting with your company or have a policy that needs to be reviewed, we’re here to help. We know how important it is for your company to have a quality insurance policy that protects your interests, and we have options you can choose from that will give you the level of protection you’re looking for.

Employee Benefits Insurance: The Backbone of a Happy and Productive Workforce

At Saucon Insurance Agency, we have seen the power of employee benefits insurance to transform workforces in Bethlehem, PA. A solid benefits package serves as the backbone of a conducive work atmosphere, a powerful tool that keeps your team’s drive and morale high. Offering an enticing benefits package can both attract potential talents and retain your valued employees, thereby reducing turnover and boosting your company’s performance.

Beyond its role in staff retention and recruitment, employee benefits insurance also reflects the company’s worldview. It shows that you care about your employees’ welfare beyond their basic paycheck, valuing their contribution and rewarding their dedication and hard work. It’s not just an investment in staff but in the future success of your business and the Bethlehem community.

We offer a comprehensive range of employee benefits insurance options. These may include Health Insurance, providing your workforce with the reassurance of medical coverage. We also offer Dental and Vision Insurance, which is vital for overall health and well-being. Another key component can be Retirement Contribution Plans, which establish a secure financial foundation for employees’ future. Options for Life Insurance and Disability Insurance provide essential protection and peace of mind. We also facilitate Employee Wellness Programs to promote a healthy lifestyle and enhance employee morale. By offering such diverse and comprehensive benefits, you demonstrate a commitment toward your employees’ holistic well-being, making your company a desirable workplace.

Employee benefits insurance is a crucial element of a happy and productive workforce. When managed effectively, it can lead to increased productivity, enhanced employee morale, and, ultimately, the overall success of your business. Contact Saucon Insurance Agency to guide you through this journey, ensuring a win-win situation for you and your employees in Bethlehem, PA. 

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.

All You Need to Know About Auto Insurance in Pennsylvania

Are you a car owner living in the state of Pennsylvania? Are you thinking of getting an auto insurance policy or updating the existing car insurance you already have? In this article, we are going to share with you some crucial information about car insurance in Pennsylvania. 

What Should You Know About Auto Insurance in Pennsylvania?

  • It is illegal to drive in Pennsylvania without car insurance. As a driver, you must have proper auto insurance. It is against the law to be behind the wheel without insurance.
  • Pennsylvania is a no-fault state. That means all drivers in this state must have a minimum of $5,000 in personal injury protection policy. It will cover medical costs regardless of who has caused an accident. 
  • Personal injury protection (PIP) is also mandatory in Pennsylvania. Every car owner and driver in Pennsylvania must have personal injury protection coverage. The minimum amount is $5,000. 
  • Optional coverages. You can also get additional coverage for better protection. They include underinsured/uninsured motorist coverage, medical benefits coverage, comprehensive coverage, and some others. They are not mandatory, but it is worth having them. 

Saucon Insurance Agency – We Help You Get the Auto Insurance Coverage You Need

Finding proper auto insurance can be challenging because there are many things to consider. If you live in Bethlehem, PA, or any other town in Pennsylvania, and you need assistance finding car insurance, Saucon Insurance Agency is ready to help. Our team of experienced and qualified insurance experts will consider your personal insurance needs and offer you the best option. Reach out to us for more information and details.