Customer Care - Insurance Check-up


Homeowner's Insurance is based on replacement cost not market value.

If you think the value of your home may have increased because you added a new addition or made significant upgrades, you should discuss with your agent the dwelling coverage amount listed on your homeowner’s policy to find out if coverage on your home is adequate. 


You may significantly reduce premiums by raising your deductible.

Most homeowner policies provide some coverage for jewelry, firearms and furs. However, depending on the amount and value of the item, you may want to purchase a rider for the item, especially if the item is valued over $3,000.


Liability Insurance protects from legal obligations arising from accidents.

With a few exceptions, such as auto or boating accidents, all-purpose liability coverage follows you wherever you go. An umbrella policy can increase the liability limits of a homeowners & auto policy.


There are many benefits to purchasing an Umbrella policy.

An umbrella policy provides excess liability limits and possibly other additional coverages above a homeowners & auto policy. For example, an umbrella policy can increase the liability limit to $1 million or more above the current liability limit on the homeowners & auto policy. As your asset portfolio grows, so should your liability limits, as you are now a greater target.


Having enough Life Insurance depends on the purpose of the policy.

If life insurance is needed to replace your income for the foreseeable future, in the event that you passed away, then your life insurance coverage should be approximately seven times your annual salary. For example, if your annual salary is $50,000, than you would need approximately $350,000 of life insurance coverage to replace your income. You may need more depending on your current debt, how many dependents you have, and future college plans.


PA Auto Insurance