Companies that sell homeowners insurance are looking very carefully at who and what they insure. The industry is trying to rebuild a business that has become a money loser in recent years,

They are declining coverage of houses that have had water damage or severe claims of any kind. Adding to that, they are trying to protect themselves from claims based on dangerous apparatus outside the house. Trampolines, swimming pools, diving boards, or certain kinds of family pets can cause some companies to decline insurance.

Different companies are sensitive to different kinds of risks. Nationwide won’t cover homes that have big dogs like pit bulls, Dobermans, and Rottweilers because they risk injury or death to kids and adults. Other companies cover you if your dog has a good record and hasn’t bitten anyone.

According to the Wall Street Journal, Farmers Insurance will pay one dog bite claim for a policyholder but no more.

Car Insurance….
Save 15% in 15 minutes…… So easy a cave man can do it….(I love that commercial) we’re being conditioned to think that when it comes to car insurance, cheapest is best. Unfortunately, many times the policies we see that were bought online or over the phone are just minimum coverage that actually doesn’t amount to a very good value at all. That 6 month veteran of the insurance industry on the other end of the phone forgot to tell you that the state minimum you just bought won’t even cover the damage you just did to the front quarter of my wife’s Expedition. Everything after that first $5000 will fall solely on your shoulders. Unfortunately, your insurance advisor will probably have moved on to greener pastures by the time you call to complain. Where is the value in that deal?
So What is “No Fault”?
Here in Pa. our laws have specified that the “first party benefits” portion of our auto policies will function on a “no fault” basis. That simply means that your policy coverage follows you wherever you go and that your policy responds “first” regardless of who is at fault in an accident. What are First Party Benefits ? They refer to the Medical, Income loss, accidental death, funeral benefits and extraordinary medical expense portions of your policy. This coverage needs to be tailored to “your” individual needs. Retired, unemployed, no health insurance, have health insurance…all are situations that may require an adjustment to cover what’s best for you. Call us now and We’ll give you a checkup on your First Party Benefits.
That’s Value!

Your life savings… whatever is left of it…. is in jeopardy due to a lawsuit…you did nothing wrong though…..guess what ? You still have to defend yourself. Defending yourself takes a lawyer and lawyers still don’t work for free.

An Excess Liability policy provides coverage in the event that your auto , homeowners, boat, atv or similar personal policy exhausts their limits of liability and a judgment has been awarded in excess of those limits. Including the legal fees that normally run into the tens of thousands of dollars on even small lawsuits. Average premiums for these policies average $150-200 per year depending on personal circumstances. For those who can’t afford to leave it to chance, excess liability policies are the security blanket they need to protect their hard earned savings. Call today and we’ll be glad to get you a “piece of mind” rate .