The weather is warm, the sun is shining and we all want to be outdoors. But with being outdoors comes safety measures around your home. You want to be able to enjoy your weekends so spend some time now preparing your home and outdoors for entertaining. If you have a deck, you want to be sure your insurance agent is aware so that it is properly insured on your homeowners policy. A deck is a great place to hang out but needs to be in good shape to entertain. You want to remove or replace any wood that is damaged to reduce the risk of a fall or injury that could result in a homeowners claim. Check the deck for any cracked, rotting or loose wood. Be sure all nuts and bolts are secured. If your deck is sealed or stained it is recommended to refinish it yearly. With just a mild detergent and water you can effectively clean the outside of your home from any bird, dust or dirt that has accumulated over the winter months. Cleaning out your dryer vents not only creates a more energy efficient dryer but also reduces the risk of a dryer fire. Dryer vents can be easily cleaned with a small brush or duster. Swing sets and trampolines should be checked for loose bolts and springs. You can find bug repellent and bee hive treatments at most home stores to keep your guests and family members free of bug bites. Check your grass and rocks for any divots or small holes the winter or animals have made to avoid any tripping hazards or falls. Taking time to do some simple maintenance will allow you the free time you deserve this summer and also put your mind at ease knowing you have reduced the chances for a home insurance claim.
Whether you are renting a family home or an apartment, renters insurance will protect you in many ways. If you have a break-in or an injury that occurs while a guest is visiting, renters insurance will assure that you will covered in the event of a sustained loss within the property you are renting. Let’s say in an awful situation, you have a fire in the property and lose your possessions, renters insurance will recoup what items you lost due to the fire. If you have personal property above the average such as jewelry or collections of importance, Freedom Insurance Group can help you decide what additional coverage you may need to protect specific items. If you have a break-in your material items are covered the same way. Your renters policy will also provide you with coverage for additional living expenses if you need to relocate temporarily while repairs are made due to the fire. We all like to entertain and enjoy time with our friends and if a friend was hurt or sustained an injury in our home we would be sick with worry. Renters insurance takes the fear of your friends injury being a financial burden if a trip to the hospital or doctors is necessary. It also alleviates any awkwardness between friends. Renters insurance in Pennsylvania is very affordable and most companies offer flexible payment plans for as little as $175.00 a year.
Here we are June 1st and we know what that means…..the heat is on! Here are some friendly heat safety tips from your friends at Freedom Insurance Group.
-stay inside if possible in air conditioning during the mid morning to mid afternoon hours
-drink plenty of water and other fluids (avoid alcohol and carbonated/caffeine)
-use small appliances like a crock pot and tabletop grills rather than your traditional oven
-when using a fan, do not put it directly in the window, rather place it so it blows in the room and out the window
-stay on the lowest level of your home
-seek medical care right away if you become nauseous, vomiting have cramps
-check on the elderly
signs of heat exhaustion are:
dizziness, excessive sweating, headache, pale skin, pulse that is weak or rapid, fainting
We are looking forward to a wonderful summer and hope these tips help you enjoy yourself.
Choosing the style, type, size and interior for your RV is very exciting and you can’t wait to go explore the great outdoors and take in some sights! But the next crucial steps is to properly insure your recreational vehicle. Much like auto insurance, RV insurance has state requirements for financial responsibility laws. In Pennsylvania insurance minimums are $15,000/$30,000/$5,000 for bodily injury and medical benefits. Although these are the minimums, is it enough to properly protect your RV and to give you peace of mind if you have to use your RV insurance? Similar to auto insurance, you can add comprehensive and collision coverage as well as roadside assistance to your RV insurance policy. Some ways to save are available if you have an active membership with specified Recreational Vehicle Associations. Safety discount course is not only a smart way to improve your driving skills but will earn you an added discount off the cost of your recreational vehicle insurance. Anti-theft, alarms and disabling devices greatly improve the security of your RV and make it easier to track if the RV was ever stolen. CDL licensed drivers will be entitled as will airbags for a discount in additional, so will anti-lock brakes. Auto insurance and Rv insurance again are alike in that your age, marital status, driving record and claim history all factor into what your rate for insurance will be. Be sure to give Freedom Insurance Group a call at 215-673-0300 to see what savings we can offer you on all your insurance needs!
The weather is warmer, the potholes are fixed and it’s time to ride! You are excited and ready to hit the road let’s make sure your motorcycle insurance is ready too. Why get motorcycle insurance? First, it is mandatory to carry motorcycle insurance. Second, you will want to make sure you, your bike and others are properly covered in the event you are involved in an accident. The agents at Freedom Insurance Group Inc. will assist you in getting the motorcycle insurance you need so you can enjoy your ride. They will discuss with you bodily injury liability coverage which will cover medical expenses that incur with an injury due to an accident. Property damage liability coverage will cover damages to another person property when you are at fault such as other vehicles or physical property of others. Personal injury protection will reimburse you for medical expenses, funeral and lost income if you are hurt in an accident. Collision coverage will cover damages to your motorcycle from collision with another object. Comprehensive coverage will cover your motorcycle damages not caused by an accident. Uninsured/underinsured motorist coverage will provide coverage for you and your passengers injuries if the other party does not have insurance or enough motorcycle insurance to properly cover the accident. These motorcycle insurance options are the same as your options when purchasing auto insurance. Now that you are all set with your motorcycle insurance you can grab your helmet, plan your trip and enjoy the great outdoors.
Owning a boat is fun, exhilarating and entertaining! Aside from if you will be fishing, skiing, joy riding or entertaining friends you want to make sure you are covered so you can continue to enjoy yourself. You might be wondering, “what is boat insurance?” Boat insurance has similarities of both auto insurance and home insurance. Boat insurance typically covers bodily injury that your passengers incur or that your boat inflicts on others. Property damage for on docks and other boats as well as physical damage to your boat if damaged by hitting something or running aground. Comprehensive coverage is available for theft, vandalism, fire, flood and personal property coverage for your fishing gear, uninsured boater insurance and roadside assistance in the event you need a tow. Some insurance companies will allow you to suspend your boat insurance for the periods and seasons the boat is not in use. Some ways to save on boat insurance are to take a boating class, mention all of the safety features your boat has and any gadgets onboard that protect the boat and the passengers. Also, the type of boat you own such as a powerboat, fishing boat, personal watercraft etc factor in the boat insurance premium. If you have auto insurance and home insurance you will also be eligible for a multi-policy discount if insured with the same insurance company.
Many people ask, “will the color of my car increase my auto insurance premium?” Truth be told, insurance companies usually don’t have any knowledge of the color of your auto. The factors that go into your car insurance premium are the year, make and model of your car because they affect repair and replacement costs if you file a claim. If you have a special paint job or custom color on your vehicle then the auto insurance company would need to know so that in the event of an accident, your car would be restored to it’s proper custom color. Other factors include, how many miles you drive annually as well as if you commute frequently to other states. Safety features on your vehicle also determine your car insurance premium. If you have passive restraints, airbags, backup cameras, antilock brakes or a car equipped with driver technology all entitle you to discounts on your car insurance rates. The insurance company will run a motor vehicle report on your driver license for any past accidents which also affects your car insurance premium. The area in which you live based on car theft or high accident rate is factored into your car insurance rate. So you can look and purchase any color car you so desire and give Freedom Insurance Group, Inc. a call for a free quote at 215-673-0300!
Many times we have customers ask us about getting auto insurance for the first time in their name. They may have been insured previously before under their parents auto insurance policy or a relative’s insurance policy. Getting auto insurance on your own for the first time doesn’t have to be stressful. We will take the time to explain all of the details of what auto insurance coverage you need and answer all of your questions so that you feel confident with your purchase of car insurance and know that you are properly covered. We will ask you the following questions in order to get a competitive rate for your auto insurance needs.
-your name, address, date of birth and drivers license number
-the year make and model of your vehicle along with the vehicle identification number (this will tell us all safety features on the auto)
-what you do for a living or if you are enrolled in school
We will inform you of all the various discounts available to you based on your specific details.
We will discuss what type of coverages and the amount of liability you will need in order to be properly insured in the event you are involved in an accident. Our licensed agents will give you a multitude of insurance scenarios so that you can make a sound decision on what auto insurance coverage you want. We will discuss several payment options and determine which one best suits your financial needs. We will help you with your car registration also and refer you to an auto tag agency if needed.
Insurance terms can be confusing and they don’t have to be. A named peril on a homeowners insurance policy is defined as a risk used to describe the events or causes of loss that may create a claim under the insurance policy. A typical HO-3 policy covers the following named perils:
Lightning or fire
Hail or windstorm
Damage caused by aircraft
Riots or civil disturbances
Damage caused by vehicles
Damage from the weight of snow, ice, or sleet
Water damage from plumbing, heating, or air conditioning overflow
Water heater cracking, tearing and burning
Damage from electrical current
If you were to have an issue or damage to your home as a direct result of the above mentioned perils your insurance policy will cover those damages. Supplement coverage is also available for sump pump backup in the event you lose power in your home. Identity fraud protection is also a supplemental coverage available to protect yourself from someone stealing your identity.
Comprehensive and collision insurance both cover any damage to an auto insured with each coverage. Collision insurance covers for the insured auto when damaged in an collision such as another automobile, a tree light pole, building or object. Comprehensive insurance covers damages caused by fire, water, vandalism, theft, animals or public riots. The cost of comprehensive and collision insurance are based mainly on the car’s value. Regardless of how much you pay for comprehensive and collision, you will only get paid what your car is worth minus your deductible. This brings up the question as to when should you drop collision insurance for your vehicle? Do you have a loan on your vehicle? If so, most financing companies require comprehensive and collision insurance on the vehicle until the loan is paid off. Keep in mind, collision coverage only applies for physical damage to your vehicle only. As enticing as it is to save money consider whether or not you can afford to replace or repair the damage done. Is your vehicle an older model? First, you will want to get an accurate amount of what your vehicle is worth, a good place to start is www.kellybluebook.com to estimate this. The next step is to look at the premium you are paying for collision insurance and calculate if it is more than the worth of the value of the vehicle minus the deductible. This is a decision for you as the policy owner for some people it will be worth for others not.