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Stop wasting money on insurance.

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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Are you throwing your money away? If you are going with “the other guy” for your insurance, you probably are. At the Williams Agency – we pride ourselves in saving our customers money, without skimping on coverage.

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What are the factors that increase my homeowners insurance rates?

March 20, 2013 in bradford, Bradford PA, bradford pennsylvania, home insurance, homeowner's insurance bradford, homeowner's insurance bradford pa, homeowner’s insurance increases

Home insurance is just as important as any other insurance out there. It protects the place you and your family live in. As days go by, you find that your homeowner’s insurance increases and you might feel like you can’t pay the premiums anymore. Below are some of the common factors that affect the rate of your house insurance.

One thing you should consider is the location of the house. There are insurance companies that will either refuse or give high premiums depending on the location of the house. If the house is near the sea and is prone to tornadoes, then your premiums will be high. So you should ensure that when you buy a house, it should be a few miles from anything that can cause a natural disaster.

Another thing that you need to consider is the plumbing of the house. This is very important to the insurance provider. Most insurance providers will only reduce the cost of the premiums if you have upgraded the plumbing in the last 20 years. If not, it will be very expensive for you. It is also common to get discounts if the roof is new.

The electric system is also very important. This is because very many fires in the state of Pennsylvania are caused by electricity. It is important that the electric system have current codes. It should not be old fashioned as this will be difficult to maintain and may also cause problems in the future. If you have the current system then you will get discounts.

The distance between your house and the fire department is also a very important issue. This is because if the house were to catch fire, the fire department will be there much faster than if the house is far away. So the people with houses near the fire department offices have lesser rates than those living far away.

These are just some of the points that can make your home insurance rise. It is important that you know these factors so that you can control the premium rates that you pay to your insurance provider. Not only does it save you a lot of money, but you will also get assured that your house that is safe. Before picking a cover ensure that it suits you. Even if it might be expensive at the moment, if it covers you well, then use it. You can always find other ways of reducing the rates. Like for example paying your premiums on time will make you a valuable client thereby reducing your rates.


What are the benefits of using one insurer for my Pennsylvania auto and home insurance?

March 1, 2013 in auto insurance bradford, auto insurance bradford pa, bradford, Bradford PA, bradford pennsylvania, homeowner's insurance bradford, homeowner's insurance bradford pa, pennsylvania auto and home insurance

Many people are used to the habit of hiring different insurance companies to insure different things around them. You get one family has a different company insuring their cars, another insuring their home and yet another company insuring their health. People believe that they should get these different insurance providers since they specialize in different areas. However, this is just a waste of money as you will soon realize. There are so many advantages of using one insurance company to insure your car and home.

One of the benefits of getting your Pennsylvania auto and home insurance from one company is that you will get discounts. Loyalty is important in business. Therefore, if you were to choose one company as your auto and home insurance provider you will get discounts for being a loyal client. You will find that having different insurance companies is very expensive as they look at you as any other client. However, using the same insurance will show that you trust them completely.

Another reason, as to why using the same company is best, is that, it will be easier to check on your policies. You will not have to go to two different offices and make two different queues when you want to check on how our policy is doing. If you have several houses or cars, you can also insure them using the same company.

You will not only enjoy the cheap rates but you will also enjoy a good relationship with your insurance provider. There is no better thing than this. You will trust the company with your life, your house and your car and so being friends with them will not hurt you.

As you can see, the weight of the benefits that you get when insuring your auto and homeowners insurance overweigh the disadvantages. It is true that you might be confused in picking the right insurance provider since most of them have specific names. Like for example, they will either be home insurance, auto insurance and even health insurance companies.

However, there are companies that will cater for all these types of insurances. Ensure that you pick a good company that you can trust. One of the things you should look out for when picking the best insurance company is its customer service. Customer service is important in insurance since they are the people you will be dealing with most of the time. It is only unless you have a very big issue that you will see the officials so ensure that the customer service is good.


What are the different types of home insurance policies?

February 22, 2013 in bradford, Bradford PA, bradford pennsylvania, home insurance, homeowner's insurance bradford, homeowner's insurance bradford pa, Pennsylvania Homeowners insurance

Your home is a sacred place. It is your comfort zone and so you would like it to be there forever. However, there are some things that might damage your home. Things like floods, fire and even burglary have destroyed so many homes already. This is why it is important that you get insurance for your home in PA. This will ensure that no matter what happens to your house, you can always have it back. There are very many different types of home insurance policy covers in the state of PA. The different types of pennsylvania homeowners insurance range from HO1 to HO8 but there is no HO7.

HO1 is a cover that only covers house hold items. It is therefore mainly concerned with burglary since the thieves are more likely to steal these kinds of items. It can also cover the home from explosions and animals. This is the most basic kind of insurance and is also very affordable.

HO2 on the other hand is for particular parts of the house. This means that you can insure your living room, or your bedroom or any other part of the house. It will also insure you against ice slides and landslides. It is therefore very useful for people who live in areas that are prone to such disasters.

HO3 is the policy that will cover the whole house. It will cover the contents of the house and the structure of the house itself. It will also take care of all the expenses if any outsider is injured in the premises. It also covers against things like war and earthquakes.

If you live in a rented apartment, it will suit you to get the HO4 cover. It is important due to the fact that it covers the house from everything. It not only covers the house but also the items you have in the house. You will therefore save more if you get it as a tenant. HO5 is typically the same as HO3.

HO6 is the cover designed for condo owners. It will insure the condo and its premises. The last cover is HO8 which is the cover for old homes.

As you can see, there are very many different types of home insurance covers. Therefore, there is no need for anyone to lack a homeowner’s insurance. Even if you do not own the home, there is the cover that caters for tenants. These covers will not only keep you and your home safe but also your visitors.


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.