Homeowners insurance can be a lifesaver for many individuals and families that are affected by life’s most unfortunate circumstances. From house fires to burglary and even liability coverage for injuries or damage that occur to guests or their property in your home, our homeowners’ insurance in Philadelphia offers protection from a broad spectrum of scenarios.
read moreDrivers in Pennsylvania have been feeling the sting of potholes wreaking havoc on their cars. Philadelphia drivers know all too well that hitting a large pothole at high speeds can cause extensive damage to your vehicle. From flat tires to scrapped undercarriages, damages can start to add up to expensive repairs. Depending on the damage, drivers can end up paying thousands of dollars for repairs. But by having the proper car insurance, drivers can breathe easy knowing that their car insurance will cover the damages.
read moreMore and more Americans are choosing to take part in a healthy lifestyle, which is one of the reasons we see more and more cyclists out on the road these days. Coupled with expensive gas prices and the vehicular congestion that occurs in major cities, riding a bicycle from point A to point B has become a primary mode of transportation for many people, especially those in the city.
Does it seem that anytime you make a trip into Center City, your nerves are on edge driving around with all the cyclists? You’re not alone. Car insurance in Philadelphia, PA, is incredibly important and can protect you if there were ever an accident. Here at Freedom Insurance Group Inc., we are able to offer our customers policies that are priced well within the minimum requirement according to PA state law.
This summer, as you travel around, you should also be sure to know how to share the road with cyclists. Check out our five tips below.
1.) Freshen up on Common Biking Signals
We’ve all seen the bikers pedaling around sticking their arms and hands out to signify an upcoming turn stop or change of lane. But what exactly do the different biking signals mean? As a smart driver, you should take the time to read up on common biking signals so you can be aware for your next drive.
2.) Know That Bikers Have Rights on the Road
Since cyclists are required to follow the same laws as drivers, they have the same right as you to be on the roads. By putting yourself in the cyclist’s position, you can better understand the difficulties cyclists face.
3.) Stay Off Your Phone
This is a given, even if there are no cyclists around. The last thing you need is another distraction while driving that can put you and others at risk. Just stay off your phone!
4.) Give Some Space When Passing
The best way to prevent against a swipe or collision is by allowing plenty of room between you and the bike you are passing. Treat passing a cyclist as if it was like any other vehicle on the road.
5.) Keep Cyclist in Mind After You Park
No, we’re not saying your whole entire life has to revolve around cyclists. But, if you find yourself having to park on the side of the road, you should be alert for cyclists as you open your car door. This is really important to keep in mind if a bike lane is in between the driving and parking lane.
For more great tips like this, or to learn about our homeowners insurance in Philadelphia, PA give us a call at 215-375-7733.
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If you have a home and a mortgage, chances are you have a homeowners insurance policy that covers the property and all of your possessions. But what about if you don’t own because you rent? Who is responsible for your items if there is a fire, flood, or another disaster? We’ll give you a hint: It’s not your landlord.
The benefits of owning a renters insurance policy in Philadelphia, PA cannot be understated. A recent study states that nearly 81 million Americans rent, yet more than half do not have renters insurance because they don’t see its value. Take a look at these three common renters insurance myths and the real truth behind them.
read moreDoes your auto policy contain roadside assistance? A lot of car owners do not keep this amazing service on their policy because they do not think the premiums are worth what they are getting in return. However, if you really think about it, what would you do if your car broke down or you got a flat tire? Roadside assistance is also especially helpful for those who do not have any close friends or family nearby in case of an emergency.
read moreAlthough it may read like some Google search query, anyone who owns or operates a vehicle in Pennsylvania should understand the laws surrounding it. At Freedom Insurance Group, Inc., we work with over 15 partners to bring the lowest costing car insurance to Northeast, Philadelphia as well as a bulk of the state.
As inexpensive as not owning your own car insurance may be, it’s simply not a possibility if you hope to be driving on the roads of Pennsylvania legally. Today, to educate our customers and all drivers in Pennsylvania, we’re going to explore the penalties and ramifications of disobeying this motor vehicle law:
You May Lose Your Driver’s License
Understandably inconvenient, the loss of your driver’s license affects you financially, and even a tad psychologically, as you’re stripped of your autonomy. Legally barred from driving until you’ve restored your standing with the Pennsylvanian DMV, you’ll be forced to take Uber or a form of a public transportation to and from your workplace, the supermarket, and any gym you frequent.
You’ll Be Barraged with Penalties
One broken headlight; one delayed turn, and you can easily be pulled over by the police. Simply by being stopped during traffic, and failing to prove that you’re covered with auto insurance, you can face $476 in penalties, and the aforementioned loss of your driver’s license. To prevent you from trying to drive without either your insurance or license, your registration plate, sticker, cards, and license will be surrendered to the authorities.
Your Only Exemption, Lacking an Auto Policy
After you lose your auto insurance policy, you have exactly 30 days to obtain a new policy, and prove that you did not operate a vehicle during this interim. Because so many uninsured drivers are caught behind the wheel, this exemption is rarely applied, though still legally binding.
You’ll Want to Call Freedom Insurance Group, Inc.
By speaking with a patient and friendly insurance agent at Freedom Insurance Group, Inc., any driver in Pennsylvania can secure the cheapest and most comprehensive car insurance available to a resident of Philadelphia and the greater surrounding areas.
Call us today and we’re ensure you’re driving safely, and confidently again!
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Owning a home today is far more than a convenience or a luxury. Because of the amount of money and energy that we pour into our homes, no one can afford to see that all destroyed in the wake of the unexpected or disastrous.
Here at Freedom Insurance, we specialize in all forms of insurance for residents in Philadelphia, PA—from auto insurance to homeowners and life insurance. Today, we want to discuss the value behind a personalized homeowners insurance policy and why every homeowner should indeed have one.
The Necessity of a Homeowners Insurance Policy
In actuality, before you can obtain a mortgage on a home, many lenders will require a protection on you, and their investment. In many cases, this protection will take the form of a homeowners insurance policy—personalized to the neighborhood and the home in question. In cases where an insurance policy is not explicitly required, it’s still prudent to guard against any misfortunes or surprises.
Repairing Your Home After a Natural Disaster
As has been evident these last few years, the weather in the Northeast can be unpredictable. Possessing a homeowners insurance policy, you’ll have the means of repairing any water or structural damage that may occur in the wake of a sporadic hurricane or severe snow storm.
Repairing or Replacing Your Personal Possessions
In a sense, your home is more than a shelter for you—it’s where you likely store your valuables and most treasured possessions. With a homeowners insurance policy, you don’t have to suffer the financial stress of losing your furniture or your electronics to a fire. Most policies will protect against the destruction of your property, giving you the coverage and the compensation to repair or replace your belongings.
Guarding Against Accidents or Personal Liabilities
Although we may not think about it, accidents do happen in our homes when we least expect it. In the event that a visitor injures themselves while inside your home, your insurance policy can guard you against the costs of a lawsuit.
Obtaining a Personalized Insurance Policy
In summing up the benefits and the value of a homeowners insurance policy, we invite readers to ask us any questions they may have. After discussing your case, we can generate quotes for home or car insurance near Philadelphia, PA that exceed our competitors’ in their coverage, as well as their pricing.
read moreDuring winter in the Northeast, your safety on the roads is not to be overestimated. One night of snowfall can be enough to render our streets, highways, and parking lots too dangerous for any driver. It’s when the weather is at its most frightening, and the snow and ices accumulate, that we realize just how much our car insurance means to us.
At our independent agency, we’re acutely aware of the value of car insurance, whether you’re living in Bensalem, PA or the busy city of Philadelphia. With our loyal customers and all drivers in mind, we wanted to discuss how you can minimize risk while maximizing your safety behind the wheel this winter of 2018:
Here at Freedom Insurance Group, Inc., we care about your comfort and your coverage as a PA driver. Contact us today about saving on your car insurance in Philadelphia, PA, and surrounding areas.
read moreOnce you feel that winter chill deep within your bones, you can be certain that your home or apartment is feeling it too. Much like a human body, your living quarter is directly affected by sudden changes in temperature and air pressure outdoors and indoors. With your physical, mental, and financial health in mind, Freedom Insurance Group, Inc. wants to review some tips to keep you warm, safe, and happy this winter of 2017.
Protect Your Home Against Accidents
As soon as the temperatures drop below 50, you should be asking yourself: is my home ready for a winter emergency? One of your first considerations should be your homeowners insurance available near the Philadelphia area. Simply by speaking with one of our specialists, you’ll be able to find a policy that covers your home, condo, or apartment, and all your possessions, without the fear of a financial burden.
Keep a Stash of Winter Supplies
With your insurance policy covering your living space, your next step is to maintain a stash of emergency supplies, as recommended by FEMA. According to the national organization, you should always keep a snow shovel and transistor radio within reach, lest you find yourself trapped and cut off from the world in the aftermath of another major snowstorm. In addition to these essentials, don’t forget an adequate storage of non-perishable food, water, and fuel.
Having dealt with many Northeast snowstorms in the past, we and FEMA highly recommend that you acquire a bulk supply of some calcium sulfate or other bulk salts. Being able to deice is crucial to prevent against sheets of black ice and frozen snow on your driveway and sidewalks.
Winterize Your Home As You Can
As a final precaution, it’s in your best interest to do an inspection of your home or apartment roof and plumbing. Knowing the dangers of frozen water and burst pipes, clear out your gutters of excess debris and clutter—ensuring that rain and snow doesn’t collect. Wherever you can, try to insulate any leaks or exposed plumbing.
At the end of the day, you should always feel that your home, condo, or apartment is where you can relax and retreat. If you haven’t already, do yourself, your family or housemates a favor and inquire into our affordable homeowners insurance, catering to Philadelphia, PA, and surrounding communities.
read moreIt’s that season, as they say, when you want to retreat indoors before it’s 6:00 p.m. and relax in the quiet warmth of a blanket and a pre-recorded TV show. We know that feeling here at Freedom Insurance Group, Inc. because it’s perfect—we know it’s personal, and tailored to you. In the same vein, we care about your car or home insurance options in the Northeast of the city of Philadelphia. Before the holidays arrive, ponder on some tips from the pros in this field.
How Much Will You Be living in It?
If this isn’t your first winter or homeowning rodeo, you may want to ask yourself, “Do I want to be here when it’s frozen?” If you don’t like your Philadelphia snowstorms and all the fun in between, you may be the only one, because Philadelphia is a great area—and Philly’s still growing. Go for our home, car, or renters’ insurance, if you’ll only be back in Philadelphia for the spring months.
Renting your home can be a great way to offset property taxes and mortgage payments if you feel comfortable with renting.
How About that Insurance Policy?
Landlord or homeowner, you’ll have to ultimately think about purchasing insurance for the house (like your car). Winter may be a lovely season in many ways, but it’s also the time of the year when pipes like to burst; and even fires are more likely, in paradox of the season. Once those holiday ornaments stay swaying and glowing, you can imagine what happens; it is a reality, and it warrants insurance.
Freedom Insurance Group Can Help
Just tell us about yourself, the home you own and your lifestyle, and we’ll assemble a great policy for you and your family. By obtaining pertinent information, we can estimate the cost of the best insurance policy available. When we work with our customers, we maximize our services, while maintaining affordability and coverage. Assuming it’s winter, and you need a new homeowners insurance policy, our independent agency will cover you and all that you need covered, including the dog, pool, and garage.
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