Life insurance is a topic most of us do not like to discuss. We too often make excuses such as I can’t afford another bill or I’m too old and I won’t pass the health assessment. Life insurance can be used as a death benefit as well as fulfilling a financial obligation. When you call Freedom Insurance Group Inc. we can discuss your individual life insurance needs. We will discuss your expenses and income to account for what your family would need in the event of your death. Funerals generally cost upwards of $5,000.00-$10,000.00. Term life insurance offers a generally less expensive option than whole life insurance premiums. Term life insurance offer death benefit protection for the specified period purchased usually 10,15,20 or 30 years. Freedom Insurance can cater your term life insurance to your specific needs and budget to ensure you have piece of mind knowing your family is protected. Whole life insurance offers confidence with the guarantee it provides such as the premium to remain the same for the life of the policy, regardless of health or age. Guaranteed cash value so that as your cash value increases, tax deferred so that you will have access to your cash through loan and withdrawal options. Many people chose to borrow from their whole life insurance to cover tuition costs or help out with a wedding. Too often, emergencies occur and your whole life insurance can also provide peace of mind knowing you have access to it if needed without going into debt over taking out a loan. You can work with a knowledgeable agent at Freedom Insurance Group Inc. to discuss your needs not only for life insurance but also for auto, home, recreational and umbrella insurance. You can also read more about life insurance in Philadelphia at www.freedom4insurance.com or call 215-673-0300 to review your life insurance needs.
Have you just purchased a home or have your goals set on buying a home in the future? You will spend countless hours looking online as well as in person. You have made your wish list for what you want in a home and look forward to obtaining your dream home. Once you have picked the perfect home for you, there are serious issues you need to face. Beyond the colors on the wall, hardwood vs carpet and when your housewarming party will be, you need to think about home insurance.
Home insurance is the one way you can protect your home from the mishaps that could potentially happen. You want to assess your assets and protect them by buying homeowners insurance. You want to consider what would happen if you had an unfortunate situation occur within or outside of your home and protect yourself. Home insurance is based on the amount your home would cost to rebuild if needed. This is called the dwelling amount. The dwelling amount for home insurance is set by a universal builders code that calculates how much your home would cost to rebuild. It takes the present day cost of building materials and labor to restore your home. The market value of your home takes into consideration the current prices homes in your general area are sold for based on the neighborhood and what the home offers.
Home insurance covers the ut-oh moments in the home such as a leaking or broken pipe. If someone happens to get injured in or on your property you would be covered. Your personal items would also be covered in the event you had your home broken into. You need to take a personal inventory of any valuable items you have so you would know how much coverage you would need in the event you had to replace them. You also take into account your furniture, clothing and personal belongings along with any electronics you own. Let Freedom Insurance Group help your homeowner dream come true. www.freedom4insurance.com or call 215-673-0300
Are you prepared for a traffic snafu or being stuck in your auto due to bad weather? Here is a list of helpful items to keep in your auto to be prepared for an emergency.
1. What would we do without our cell phones? Be sure to have a car charger for your auto in the case that your phone battery dies. You can choose between a precharged or one your can plug into your auto’s cigarette lighter. With your cell phone you can easily contact your roadside assistance company.
2. A flashlight in your auto glove compartment is a must have in the event your car is broken down, you can place it on top of the auto’s roof to alert others your car is in distress. You of course can use it to light the roadway if you have to open your auto’s trunk or walk on the roadway.
3. Spare tires are sometimes too easy to forget about checking to make sure you have one for your auto. Even if you have roadside assistance on your auto insurance policy, it is in your best interest to have one handy.
4. Extra fuses help when your tail light or brake light as well as turning signals are broken on your auto. Having them available just may even deter you from getting a ticket.
5. Nonperishable food and water is not only helpful in the case of an auto emergency it also helps for those unexpected days or nights when we are running around and on the go. An extra sweater or blanket can help on those bitter cold days.
6. An auto first aid kit which can benefit you as well as passengers and people you may come into contact with.
Most importantly, your safety is key and these items may seem like overkill but if needed you know you have everything you may need at your fingertips.
Welcome 2016! We have all made New Years resolutions, to improve ourselves and our lives have we looked into improving our insurance needs or looking into new insurance? Did you know that you may be paying too much for your current insurance? When is the last time you consulted with an insurance agent about your insurance policies? By calling Freedom Insurance Group at 215-673-0300 and speaking to a knowledgeable licensed agent we can review your policies free of charge and assess your insurance needs. Have you had a change of life event such as a marriage or separation or changed your address or possibly purchased a home? If so, your insurance needs have changed and need attention. Do you have a teen that is newly licensed or a parent living with you that needs to be on your auto policy? If you have any new toys, jewelry or valuables in the new year you want to be sure to protect them. You could possible need an umbrella policy to fully protect yourself and all that you have worked so hard for. Most importantly, you want to be sure you have yourself and your family covered with life insurance in the event of a tragedy. We put so much time and effort into changing ourselves and our habits in the new year why not do the same for your insurance needs? By making that one important call to Freedom Insurance Group Inc. you will get dependable service for all of your insurance needs. We check our 15 A+ rated insurance companies and find you the lowest price based on your insurance needs. You can also visit Freedom Insurance Group Inc. on the web at www.freedom4insurance.com to see our staff and read our mission to provide quality insurance for your auto home and life insurance needs.
Shopping for car insurance in Philadelphia doesn’t have to be difficult. At Freedom Insurance Group Inc., we do t he shopping for you. We began Freedom Insurance Group Inc., with a table, computer and fax machine. We have helped many loyal customers in Philadelphia shop for auto insurance. We are an experienced auto insurance agency in Philadelphia with over 12 plus years in the Northeast Philadelphia area and can assist you in getting the right auto policy based on your auto needs. Basic auto insurance coverages in Pennsylvania start with state mandated coverages you must carry such as bodily injury, property damage and medical benefits after the mandated coverages, you can add on collision, comprehensive, higher liability limits, underinsured and uninsured motorist protection as well as choose your tort options.
Freedom Insurance Group Inc. offers many discounts for your auto insurance to keep your auto premium low. Such discounts include our education level, your occupation, marital status, paperless billing and various payment options. Signing your auto application for insurance electronically not only helps the environment but also helps adds to your savings. Purchasing a new auto or having safety features on your auto can also save you money. Owning your home will qualify you for a homeowner discount and could keep your insurance premium low by bundling your auto and home insurance. Low mileage on your auto can also be applied as a discount. Senior drivers qualify for a reduction in auto premium by taking a defensive driver course and on the other hand, young drivers can save by taking a drivers education auto class or a road experience course.
Auto insurance rates in Philadelphia are also based on the type of auto you drive, which safety features your auto ahs such as air bags, anti-lock brakes, restraints and alarms. Auto rates are also based on your zip code and driving record such as tickets or accidents. Your auto insurance premium is also calculated by what coverages best suite your individual needs taking into consideration your assets, drivers in household and liability amounts needed to protect your family. Freedom Insurance Group Inc. can cater to your specific auto insurance needs.
Freedom Insurance Group Inc. is easily accessible by the Roosevelt Blvd, I-95 and the Pennsylvania turnpike. We can be found on the web at www.freedom4insurance.com on your home computer or mobile phone.
With the harsh Philadelphia winters, the last thing you need to be worried about is to be stranded along side of your auto. When you add roadside assistance to your auto insurance policy, it is typically less expensive than the big name companies that offer the same service. You have enough going on in your everyday life, you don’t need the stress of having to worry what you would do if you needed help on the road with your auto. Here of some reasons why adding roadside assistance to your auto policy will make your life easier
1. Don’t know how to change a flat tire on your auto? No problem, just call the roadside assistance number. An experienced person will be out to change it for you.
2. Run out of gas? We are all so busy we don’t always check the auto’s gas gauge. Not an issue, call the roadside assistance number and the gas will be delivered to you so that you can get to a gas station without worry to fill up.
3. On your way to that appointment and your battery won’t start? Don’t have jumper cables in your trunk? Just give them a call and your problem will be solved.
4. Busy running around and locked your keys in your auto or trunk? Roadside assistance also helps gets your keys out.
5. Have you broken down and not sure what to do or who to call? Call for roadside assistance and your auto will be towed.
6. Another great reason to add roadside assistance to your auto policy is that you don’t need to put any money out of your pocket to call for help.
Auto insurance shopping in Philadelphia doesn’t have to be difficult. At Freedom Insurance Group Inc.,we do the shopping for you. We are an experience auto insurance agency in Philadelphia and can assist you in getting the right auto policy based on your auto needs. Basic coverage’s in Pennsylvania start with state mandated coverage’s you must carry and you can add on collision, comprehensive, higher liability limits, under-insured and uninsured motorist protection as well as your tort options. Low mileage on your auto can also be applied as a discount. Senior drivers qualify for a reduction in auto premium by taking a defensive driver course and on the other hand, young drivers can save by taking a drivers education auto class.
Freedom Insurance Group offers many discounts for your auto insurance to keep your auto premium low. Such discounts include, your education level, your occupation, marital status, paperless billing and payment options. Purchasing a new auto or having safety features on your auto can also save you money. Owning your home will qualify you for a homeowner discount and could keep your insurance premium low by bundling your auto and home insurance.
Auto insurance rates in Philadelphia are also based on the type of auto you drive, which safety features your auto has such as air bags, anti-lock brakes, restraints and alarms. Auto rates are also based on your zip code and driving record such as tickets or accidents. Your auto insurance premium is also calculated by what coverage’s best suite your individual needs taking into consideration your assets, drivers in household and liability amounts needed to protect your family. Freedom Insurance Group, Inc. can cater to your specific auto insurance needs.
One question insurance agents frequently are asked is “How do I know if I need an umbrella policy?” We advise our customers to look at their whole financial situation and their lifestyle. Do you own a swimming pool? Own a dog? Have large assets to protect? Agents typically recommend that customers have enough home insurance coverage equal to their assets. Umbrella policies cover liability, personal injury coverage and legal expense coverage. Umbrella polices are there to protect you against large lawsuits. There are certain parameters that must be met to get an umbrella policy. First you must carry your auto and homeowners insurance with the same company. Second you must acquire the highest limits available for auto insurance and home insurance. The maximum amount of coverage you can have under an umbrella policy varies by state. This protection can extend beyond your auto and home. It can also cover your RV, boat, snow mobiles, golf carts, ATV’s, jet skis and motorcycles. There are some added protections with an umbrella policy that are generally excluded from homeowners insurance polices. These policies can run approximately $300-$400 a year for a million dollars coverage. That is relatively inexpensive for extra coverage.The best part is that everyone in the household is covered as long as they are listed on the auto policy and live in the home. Something to think about if you have teen drivers in the home.
The best thing to do is to speak to a licensed agent who can discuss your risk and assets. There are certain situations which will increase your need for an umbrella policy. Call us at 215-673-0300 so we can discuss your current auto and homeowners insurance in Philadelphia, we can evaluate if you have enough coverage and if you should also look into getting an umbrella policy. You can also visit our website at www.freedom4insurance.com click on all coverages to read about umbrella policies.
It’s that time of year where there is frost appearing on the windshield of your auto when we wake up. We all have begun our home winterizing and taking the steps to make sure our home is ready for the winter. Have we done the same for our automobiles? The change of seasons is a great time to remember to get the oil in our automobiles changed. It is a good idea to check in the glove compartment and make sure you have your current auto ID cards, a flashlight, pen, paper and tissues. Tire pressure on your automobiles tires should also be checked to ensure proper inflation. A set of jumper cables is also helpful not just for your car but also for someone who may be in need of a battery charge. You can be extra prepared and store a blanket, some water bottles and non-perishable snacks in the trunk along with an ice scraper and kitty litter in the event you lose traction driving your auto. Take a little extra time to allow your auto to warm up properly especially in the chilly Philadelphia area. Schedule an appointment with your auto mechanic for an auto tune-up to ensure your auto is winter ready.
Daylight saving time is upon us. Now is the time to assess what you need to do to winterize your home. Do you need to clean your gutters, caulk your windows and door frames? A quick trip to the home store to pick up new batteries for those fire/carbon monoxide detectors some insulation and caulk will put your mind at ease by reducing the risks in your home and reduce your worries. Schedule an appointment to clean the fireplace and chimney so you can safely burn and have those cozy winter nights without a worry. Checking dyer vents and heating vents for debris will also make your home more energy efficient.
A little maintenance now goes a long way later for your home. Some routine tender loving care can avoid future disasters and homeowners insurance claims. Winters in Philadelphia can be pretty brutal and can really take a toll on your home. Many times we are forced to put a claim in with our home insurance company in order to pay for damages from we sustain from bad winter and fall seasons in Philadelphia. We hope this post can help avoid that unfortunate situation.