October 2011 - Bradford PA Insurance - Williams Insurance Agency

Coverage for a Bradford Pennsylvania Home Insurance Quote

October 25, 2011 in auto insurance bradford, auto insurance bradford pa, auto insurance rates bradford, bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, Pennsylvania Homeowners Insurance quote

When you are getting a Pennsylvania home insurance quote it is important to know how much coverage you need to get so that you can get an accurate quote. In order to choose the right policy for you, you will need to understand the typical amounts of coverage provided by most insurance companies, as well as your options for increasing that amount of coverage at an additional cost. This will allow you to get more accurate homeowners quotes in Pennsylvania and make it easier to compare quotes once they have been obtained. Most qualified agents will ask many in depth questions so that they can calculate a rebuild cost estimate for your home. The systems used by many qualified agents will help you insure your home adequately. There are also many instances where you may opt for a “market value” type policy rather than a “full rebuild” policy.


Typical Coverage Amounts


There are many types of coverage that are included in most homeowner’s policies, and these types of coverage have typical coverage amounts. For example, if you want to have your detached garage or other detached structures insured, they will generally be covered for up to ten percent of the value of your home, many times that is 10% of the dwelling amount. Increaseing the coverage for unattached building is relatively cheap so be sure you’ve reviewed the situation and are prepared to carry the correct amount of coverage.


Most policies also cover damage or theft of personal property in the home, and this coverage is usually equivalent to fifty percent of the value of the home. Many of the newer contracts provide 70-75% of the dwelling value in additional personal property coverage. This is another good reason to dig out your policy and have it reviewed. This is one of the most common areas that we find folks are drastically underinsured.


It is important to note that in the case of theft, fire or destruction, you will only receive cash value for your belongings up to that amount, not replacement value. All of these things are important to know before getting a Pennsylvania home insurance quote. Adding replacement cost guarantee to your contents coverage will ensure that you don’t fall victim to having your belongings depreciated in the event of a loss. This is a very affordable coverage that you should never go without. Replacement cost on the structure is also recommended.


Certain items in your home can only be insured for so much. Silver other than silverware is sometimes limited to around two hundred dollars. Silverware is covered at $2,500. Jewelry and furs is limited to around a thousand dollars. This is all you can get for basic coverage if these items are lost or destroyed. Fine arts, guns and other collectible items may also be subject to exclusions and limitations so a good agent will be needed to help you decide how to insure your belongings properly.


Personal liability is another thing to consider in homeowners quotes in Pennsylvania. Most policies cover $100,000 per occurrence for personal liability. Medical payments for injuries that occur on the property are usually kept at around $1,000 per person per occurrence. Keep in mind that if you ever have to use your personal liability coverage your premiums will most definitely increase.


There is also coverage available for additional living expenses in the event that your home cannot be lived in while it is being repaired from a covered occurrence, such as a fire. The amounts of this coverage vary by policy, and there is no set amount that is an industry standard. The minimum amount seems to be equal to 20% of the amount of coverage on your dwelling. The maximum I’ve seen is through Erie Insurance and it’s actual loss sustained for up to 1 year.  These are things a good agent will review and adjust to properly cover your families situation.


Getting Additional Coverage


You are not by any means limited to these coverage amounts. You can easily add additional coverage to your policy for an additional fee. You need to specify this desire when you attempt to gather homeowner’s quotes. Determine beforehand how much coverage you want in different areas and then request those amounts when you call or go online for your Pennsylvania home insurance quote.


For example, you can add what is called a floater to your policy to get additional coverage for your belongings. This floater is basically a personal property endorsement that lists each item covered and its value. In this way you can insure your jewelry and other expensive belongings against theft or damage. If you want this type of insurance feature, you need to specify that at the time that you get your Pennsylvania home insurance quote.  Any collectibles, valuables or items that you have an above average amount of should be discussed and reviewed with a trusted agent who can offer the proper advice to covering them properly.

Goodbye Summer…Hello Archery Season

October 18, 2011 in auto insurance bradford, auto insurance bradford pa, auto insurance rates bradford, bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, Uncategorized

    I probably should start off with saying that I’m very grateful for the insurance business, it has provided me with many great opportunities, friendships and a good living.  Having so many clients who are referring friends, family, coworkers to my office is a blessing that I take very seriously. I’m grateful to each and every person who not only chooses us…but then tells others about their positive experience.  You can be assured that we will continue to do everything we can to make you happy you joined us.


   This is the time of year that I officially become semi-retired.  If I had my way…and didn’t have thousands of clients depending on me…I’d archery hunt every day of the season.  The feeling of sitting 25 feet up in a treestand…feeling almost invisible in the forest is an awesome feeling. Yeah, harvesting game is nice too…but my enjoyment comes from the quiet time, alone or with one of my daughters(not quite so quiet time) and watching nature take it’s course. Sometimes I wonder if I could go and just take a camera…sorry bambi lovers…not quite ready for that yet. So…I’m off to scout, climb trees and otherwise become a nuisance to the whitetail deer population. Please leave a message when you call and try to be remember that any of the gals in my office can probably help you out of your emergency just as well as I can….trust me!



  Since Google watches my site pretty regular…now I have to add some keyword phrases that makes them think I’m talking insurance jibberish. Then they move my site up through the ranks and when one of the internet shoppers types something in google about things like pennsylvania car insurance quotes, pa auto insurance, pennsylvania senior auto insurance discounts, pennsylvania free auto insurance quotes and erie insurance agents they get my site right up there near the top. Hey, competition for this geeky stuff is gettin fierce so if I want my hunt time….I gotta squeeze this stuff in there.

   Thanks again for letting us serve you, it’s a pleasure.



P.S. If you have one of these guys eating your shrubs, garden, etc. and you need him removed…call me!  As always, I try to help when I can.

Coverage Your Bradford Pennsylvania Homeowners Insurance Should Include

October 11, 2011 in auto insurance bradford, auto insurance bradford pa, auto insurance rates bradford, bradford, Bradford Car Insurance, Bradford PA, bradford pennsylvania, Pennsylvania Homeowners insurance

When you are shopping for Bradford Pennsylvania homeowners insurance there are several types of coverage that should be included. These are the typical types of insurance that you need to have for your home. They are required by most lenders, and you should have them in case you need protection for your property. There are additional types of cheap Pennsylvania home insurance available, but you pay for the additional coverage and they are not typically necessary. In all there are four types of coverage you should have.

Structures on the Property


This type of coverage pays to repair or rebuild your home if it is damaged by fire, wind, hail, or other disasters natural and otherwise listed on the policy. This varies by policy and company, and you can choose in some cases what you want your homeowner’s insurance policy to cover. Flood and earthquake insurance must be purchased separately. When you choose the limits for this type of insurance, it is important that you choose an amount that will be enough to rebuild your home if necessary.


Most Pennsylvania home insurance policies cover structures that are completely detached from the home, example a shed or garage. These structures are typically covered at ten percent of the value of your home policy. So if your home is insured for $100k, your garage will be insured for $10k. You can get more coverage if you find it necessary for an additional cost. The cost to increase this coverage averages $2 for every $1,000 in coverage so it’s well worth your while to insure that nice garage properly.

Personal Belongings


Your personal belongings should be covered in case of theft or damage. This includes your clothing, furniture, electronics, and sporting equipment. You can usually get coverage for up to fifty percent of the coverage on your home. However, certain items such as jewelry may not be insured for their full value unless you purchase a floater or personal property endorsement to add to your policy. Landscaping items such as trees, plants or shrubs are also generally covered for up to five percent of the value of your home coverage.  The most valuable extra you can purchase on personal property coverage is the guaranteed replacement cost endorsement. This coverage allows you to avoid having all your posessions depreciated based on age and condition if you have a claim.  It allows you to go out and purchase all new items exactly like what you had previously.  Many collectibles, jewelry, guns, fine art, money and others get limited coverage under the standard homeowners policy so you’ll need to consult with an agent if you have such items. Many times the extra premium to cover your jewelry, guns, etc. properly is well under $100 a year. The peace of mind you have knowing these items are properly covered is worth the few dollars spent.  Be sure to use an agent with a reputation for honest, ethic business practices.

Liability Coverage


This type of coverage protects you no matter where you are in the world, not just in your home. It covers expenses related to property damage or injury that you or your family causes, including your pets. This type of coverage is usually included in a Pennsylvania homeowner’s insurance policy, even though it does not really apply to your home. The limits usually start at around $100k per occurrence.


This section of your Pennsylvania home insurance policy should also cover any injuries that occur on your property. This is called no fault medical coverage. It usually covers one to five thousand dollars per person for medical expenses related to injuries on your property. However, you cannot use this for your family members or your pets.

Living Expenses


This type of coverage is there in case your home needs to be repaired or rebuilt, and cannot be lived in during that time. The amounts of coverage vary by policy and company, and you can generally choose the limits of this type of coverage. It is important that your Pennsylvania homeowners insurance policy include this coverage, however, as you do not want to be left in the cold with your family if something does happen to your house. Normal policies include this limit based on 20% on the dwelling value. If you had 100K on the home then normally you would have an extra 20K in additional living expenses. Many companies are now upgrading their policies to include this with an unlimited dollar amount.

Tips for Getting Lower Homeowners Quotes in Pennsylvania

October 4, 2011 in Pennsylvania Homeowners Insurance quote

There are many things you can do to ensure you get lower homeowners quotes in Pennsylvania. These tips will help you save money on your insurance premiums and in getting your policy. Knowing these tips ahead of time will help you get accurate, cheap quotes for homeowners insurance. Keep them in mind whenever you are getting a Pennsylvania home insurance quote.


  1. Shop Around- You should never take the first Pennsylvania home insurance quote you get. Prices can vary wildly by company, and you don’t want to pay any more than you have to. Preferably, you can deal with one agent who represents several or many different insurance companies and they can do the shoppoing on your behalf. A respected agent will honestly evaluate your situation, the condition of your home and offer an appropriate insurance plan.


  1. Choose a Higher Deductible- The higher your deductible the lower your monthly payments will be. Weigh this option carefully, however. If you know that there is no way you can afford a thousand dollars out of the blue for repairs on your home, you should not choose that as your deductible just lowers the premium. Deductibles of 2500 or 5000 can lower your annual cost by as much as 50%. With the rising cost of repairs and the possibility of a surcharge for submitting small claims. many people are willing to take the added responsibility of a higher deductible in exchange for the savings.


  1. Ask for Discounts- You can get discounts for many things. If you have not done so already, install fire extinguishers, smoke detectors, and dead bolts on your home to get discounts. You can also get discounts for having a burglary alarm. Additional discounts can be available if you put your auto insurance or life insurance policies with the same company as your homeowners insurance. Ask about these combined discounts when you call around for homeowner’s quotes in Pennsylvania. You can also get quotes based on your age, as well as the age of your home if it is a newer property. Non-smokering households also enjoy substantial discounts from many insurers. The list goes on and on…use a good agent and he/she will search out every possible discount and get you a better price.


  1. Be Informed- Know exactly what type of coverage you want and in what amounts before you ask for a Pennsylvania home insurance quote. This way there is no question about whether or not you are getting the right amount of coverage for your needs or desires. There are many types of coverage, and you need to be knowledgeable in each one before you start getting homeowners quotes in Pennsylvania. If these are out of your expertise, a qualified agent will have no problem completing a home rebuid cost estimate and determining the proper amount to insure your home for.  This same agent should be able to inform you on which policy is best for you and your family.


  1. Check with Friends and Family- Some insurance companies give discounts or special offers to people who are referred, as well as those that refer them. Additionally, you can find out how the company handles claims from first hand customer experiences. This is important, because your policy is only worth as much as you can easily get out of the company. These same people can tell you about good and bad experiences so you can avoid the same pitfalls. 


  1. Have Information Ready- There is a lot of different information you will need in order to get an accurate quote. If you don’t want to be surprised by a Pennsylvania home insurance quote going up before your first premium is due, you need to be certain you provide all of the relevant information necessary for the quote. This includes information about the type of home, distance from the fire department, square footage, information about your heating system and roof, as well as other pertinent information about the condition of the home. Also be prepared to give your social security number to get the most accurate quote. Many insurance companies are using your credit rating for prices much like the bank does to offer the better financing rates.


If you follow these tips to the letter, you will have no problems getting a good Pennsylvania home insurance quote. In fact, you may be surprised at how low your homeowner’s quotes in Pennsylvania can go when you follow this simple advice.