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November 6, 2015 in auto insurance, Bradford Car Insurance, car insurance in bradford, car insurance in bradford pa, home insurance, homeowners insurance, homeowners insurance companies, homeowners insurance policy, homeowners insurance quotes, homeowners policy, Homeowners quotes in Bradford, Homeowners quotes in bradford pa, homeowner’s insurance increases

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What You Need to Get a Pennsylvania Home Insurance Quote

February 19, 2012 in bradford, Bradford PA, bradford pennsylvania, home insurance, homeowner's insurance bradford, homeowner's insurance bradford pa, homeowners insurance, homeowners insurance quotes, Homeowners quotes in Bradford, Homeowners quotes in bradford pa, Homeowners quotes in pennsylvania

When you go to get a Pennsylvania home insurance quote you need to have several pieces of information handy. If you are not prepared for the barage of questions that will come from the online quote form or the customer service representative you speak with, you will likely have trouble getting an accurate quote. All of this information may be necessary depending on the company you are getting a quote from. It is better to be prepared and have too much information than to be caught without the answers and no quote to show for it. This is the most efficient way to go about getting homeowners quotes in Pennsylvania and to ensure that you get the most accurate, most competitive price available.


Basic Information


There is some basic information about the home that is going to be required for any Pa. home insurance quote. This information will include, of course, the address and county of the home. You will also need to know the year and type of construction of the home, as well as the total square footage.The agent will also need to know if the home has a circuit breaker or fuse box. You will also need to know what type of heat the home has, and the age of the system. The age of the roof, heat, electrical system updates is a critical piece of underwriting information so be sure to research this before you make your call.


You will need to tell the agent whether or not the home has a garage, whether this is attached or detached, and the dimensions of any porch, deck or breezeway. You will also need to inform them of whether the home has deadbolts, smoke detectors, fire extinguishers, and an alarm system.  Many carriers in Pa will offer substantial discounts for safety devices that reduce the risk of fire or increase the odds of prevention. Be sure to ask the agent what the discount might be if you were to install extra safety features…sometimes the cost invested can be offset by teh savings fairly quickly.


Finally, you will need the purchase price or current coverage amount on the home. If you supply a purchase price you must also provide the name and phone number of the lender. Most of this information is readily available, and you should have gotten this information when you purchased your home. Many companies will allow you to choose a full replacement policy or an actual cash value policy(based on purchase price) Look to a reputable agent to explain the important differences between these policies and what may be best for your family.


Other Information You Need to Gather


Some of the information you need for homeowners quotes in Pennsylvania is not the type of information you will have on hand. You may not even know the answers to these questions, and have to check with your realtor to get the answers. If you don’t have the answer to something and you can’t get it from somewhere else, your quote may be higher and inaccurate.


For example, you will need to know the type of roof material and the age of the roof, as well as its condition. You will also need to know how many feet it is to the nearest fire hydrant, and how many miles it is to the nearest fire department. Other information may also be needed for a specialized quote. If you are unsure what you need for a quote you should contact the agent in question and ask for a list of information that will be requested of you. Often they will email you the list or send you a list or questionnaire in the mail. Once you are armed with this information, getting a Pennsylvania home insurance quote is easy.

Special Considerations for Farmers and Pennsylvania Farm Insurance

January 6, 2012 in actual cash value coverage, bradford, Bradford PA, bradford pennsylvania, farm insurance bradford, farm property insurance bradford, farm structures, home insurance, homeowner's insurance bradford, homeowner's insurance bradford pa, homeowners insurance, homeowners insurance companies, homeowners insurance policy, liability insurance, liability insurance bradford, replacement cost coverage, umbrella coverage

Pennsylvania is a very rural state, with many of our residents living on and working family farms. There is a great deal of diversity among Pennsylvania farmers – some own their property and others rent, some raise crops and others raise livestock. While farmers share a lot of the same insurance needs as homeowners, there are other factors that should be considered when looking for farm insurance. Like homeowners and renters policies, coverage is usually either replacement cost or actual cash value. Replacement cost coverage will pay the full amount to repair or replace covered property or structures without regard to depreciation. The premiums for this coverage are usually higher, and replacement cost should be indicated in the policy. Actual cash value coverage, while less expensive, will reimburse you for your losses after accounting for the age, condition, and value of the property or structure.

Pennsylvania Farm Property Insurance can generally be separated into 4 different categories that you should discuss with your insurance agent:

Home and Contents

Insurance for Personal Farm Property

Insurance for Farm Structures

Liability Protection


Home and Contents:

This portion of your farm policy is very similar to a regular homeowner’s insurance policy. It covers your home, your personal household property, and other buildings or outdoor equipment such as garages, storage sheds, satellite dishes, and landscaping. If you rent your farm, then this portion of your farm insurance policy would be similar to renter’s insurance, providing coverage for your personal property.


Personal Farm Property:

Personal farm property coverage would include farm equipment and machinery, supplies, livestock, farm tools, and farm products such as grain, animal feed, seed, and fertilizer.


Farm Structures:

Your farm structures insurance covers you in case of loss or damage to the many different types of structures that you may have on your farm. This would include barns and outbuildings, confinement facilities, dairy parlors, silos, portable buildings, pens, chutes and corral fencing, building materials for farm buildings, and fixed irrigation equipment.


Liability Protection:

This is the most important part of your pennsylvania farm insurance policy. Farming is a very hazardous occupation; accidents can and do happen. No matter how careful you are, accidents can happen to visitors, workers, or others who may be on your farm property. Personal and farm liability insurance is essential to protect your farm and your business. It provides payments for your legal liability up to the limits of your policy, in the event that someone is injured or someone’s property is damaged, while on your farm. Liability insurance will also pay the medical bills for people that have been accidentally injured while on your farm, up to the limits of your policy.


Additional liability coverage can be obtained by purchasing umbrella coverage. Like an umbrella, this coverage arches over your existing pennsylvania auto, homeowner, and farm policies, providing an additional layer of liability protection.

Fire Safety: Reduce Your Risk And Find Cheap Pennsylvania Homeowners Insurance

January 2, 2012 in bradford, Bradford PA, bradford pennsylvania, Cheap bradford homeowners insurance, home insurance, homeowner's insurance bradford, homeowner's insurance bradford pa, homeowners insurance

Several serious house fires have made the news in recent months, leaving many locals wondering how to prevent such a disaster in their own home. Fortunately, there are plenty of ways to reduce the likelihood of a fire in your home, and minimize the severity if one does occur. By following these precautions, you may even be able to find cheap Pennsylvania homeowners insurance or reduce your current rates.


The first thing to do is a simple walk-through of your home. Look for fire hazards such as overloaded or damaged outlets. Be sure to keep an eye out for melted or cracked casings, as well as outlets that do not have power to them. These can be a sign of wiring problems, which can cause fire. If you have children, be sure to take their perspective into account. Some experts recommend involving them in the process. An easy way is to play a version of “I Spy,” which can show you what they are seeing. Be sure to include the garage or attached storage areas in this, as they can often house flammable chemicals or too many extension cords.


It is also important to do a smoke alarm audit. This involves checking the location and function of every alarm in your home. Make sure you have a minimum of one per floor, but preferably more. Be sure they are placed near sleeping areas and in the kitchen, and are mounted high on the walls or on the ceiling. Test the battery function and make sure they are in good repair. It is also a good idea to make sure they are all UL listed, as other smoke alarms may not be made to the highest standards. This may even be required by your Pennsylvania home insurance company.


One safety precaution that is often neglected is simply having fire extinguishers strategically placed around the home. Most experts recommend having at least four in the average family home. There should be at least one on each floor, and one in high-risk areas such as the kitchen and the garage. As with smoke alarms, these should be UL listed and checked periodically. Some Pennsylvania home insurance quotes may ask about precautions such as this and factor it into your rates.


Finally, you will need to plan for what to do if a fire occurs. Since fatal house fires often happen while people are asleep, be sure to have an escape plan from every bedroom. Parents and older children should determine who is responsible for making sure younger children get out of the house. Also, make sure young children know basic precautions such as “stop, drop, and roll,” and never to play with matches or candles. Parents and older children should also brush up on fire safety tips.


Fire is a serious risk, but there are many things that you can do to minimize the chances of one and even help you find cheap Pennsylvania homeowners insurance. For more information on home safety and making sure you have the right insurance coverage just in case, check out Williams Agency.

Pennsylvania Renter’s Insurance

December 30, 2011 in bradford, Bradford PA, bradford pennsylvania, home insurance, homeowner's insurance bradford, homeowner's insurance bradford pa, homeowners insurance, renter's insurance policies, renters insurance

Pennsylvania Renter’s Insurance


When buying a new home, everyone thinks about the need for purchasing homeowner’s insurance, but what about when you choose to rent? Can you afford to replace belongings that are lost in a fire? If you are forced to live somewhere else for a while, hotel and food expenses can end up in the thousands of dollars in no time. Do you have available savings to buy a new laptop, iPod, or TV if they are stolen? Can you pay the medical bills if someone is injured while visiting you in your apartment?


Your landlord will have insurance that covers the building, whether it is an apartment, townhouse, or single family home, but your possessions are not covered by that policy. Renters have valuable possessions that need to be protected, and yet many renters don’t realize that insurance is available. Not only is renter’s insurance available and necessary, but it offers other important features that you may not be aware of.


Most renter’s insurance policies include:

  • Fire or lightning
  • Theft
  • Windstorms or hail
  • Explosions
  • Flood
  • Accidental flooding (such as overflowing bathtub or freezing of pipes)
  • Smoke
  • Vandalism or malicious mischief


Your renter’s insurance policy will also include liability insurance. This is coverage that protects you in the event that someone is injured while on your property. It will even help pay for your legal defense in this situation, if necessary. Medical coverage is also part of most renter’s policies.


When preparing to purchase renter’s insurance, you should explore various options that insurance companies offer. For example, renters may be able to choose between “actual cash value” or “replacement cost” coverage. If you choose actual cash value, then in the event of theft or other loss, you will receive the actual cash value of the items that need to be replaced. If the items are relatively new, then the actual cash value will probably be enough to replace them. If your possessions are older, however, the actual cash value amounts will be a lot less. You would need to come up with additional funds in order to replace the items. Therefore, if many of your possessions are older, then purchasing replacement cost coverage would be a better way to go. Replacement cost coverage will actually pay to replace the lost possessions with brand new items. The premium may be higher, but in the event of theft or fire, you would be able to replace the items with no trouble. You will need to decide on a personal property replacement amount, usually from $10,000-$35,000, and a deductible. In the event of a claim, you must pay the deductible amount before your insurer will cover the balance of the loss.


It is also important to know if your renter’s insurance policy is an all peril or a named peril policy. All peril policies insure against the loss of your personal property in the event of any and all possible disasters, except for the specific exclusions that are noted in your policy. With an all peril, or all risk policy, if your apartment is flooded by a broken water line your insurance company will pay to replace the ruined property, unless flooding resulting from a broken water line was a specific exclusion in the policy.


Named peril policies are exactly the opposite.  A named peril policy will only protect your property from the disasters that are specifically named in the policy.


There are other options to consider when purchasing a renter’s insurance policy. Many insurers offer endorsements that can be added to the basic policy. These can include a higher valuable items limit that would allow for insuring furs, collectible art, coin collections, or expensive musical instruments. An identity theft rider and septic or sewer system riders are also options to consider when purchasing a renter’s insurance policy.