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What Are Named Perils?

by Anita on April 20, 2016

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
Smoke damage
Damage caused by vehicles
Falling objects
Volcanic eruption
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
Pipe freezing

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.



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AnitaWhat Are Named Perils?

Difference between comprehensive & collision insurance

by Anita on April 13, 2016

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 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.


comprehensive damagecollisiion damage

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AnitaDifference between comprehensive & collision insurance

Why we love being insurance agents

by Anita on April 6, 2016






Freedom Insurance Group Inc, considers our customers like family. You can often hear one of our customers on the phone saying, “I’m at Freedom,” as if they are at their friends house. We enjoy hearing about their day and sharing in their life’s moments. We develop our relationships in person or over the phone. Our customer relations begin with the customer needing insurance but it blooms into so much more over time. We can meet auto, home, life, recreational and umbrella insurance needs. One of the best components of being an insurance agent is celebrating with our customers their milestones in life. Whether it may be purchasing a new vehicle, new home, engagement, marriage, birth or adjusting to a teen driver, we are here to guide and assist to ensure they are properly covered. We enjoy sharing our knowledge about insurance so that the customer feels secure and well informed to make a sound decision purchasing insurance based on their needs. We are often asked where to find a tag agency or help them fill out their auto registration which we gladly do. We are thankful when our clients will call or stop in to say hello and even to drop off a holiday or thank you treat!  We are often shown pictures of the new family pet, latest completed home project, and of course the families themselves enjoying life. The greatest compliment one of our customers can give us is a referral to their family, friends and co-workers. We enjoy having been able to provide quality customer service and insurance coverage that secures stability and peace of mind for our clients.  Above all else, we pride ourselves for having a trusting and loyal relationship with our customers.  We look for ways to save them money so that they can enjoy the fruits of their labor on others things such as home projects, vacations, or to just save for a rainy day.

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AnitaWhy we love being insurance agents

Distracted Driving

by Anita on March 30, 2016

distracted driving

Do you think you aren’t distracted while you drive? Think again, AAA reports that 25-50% of all accidents are caused by distracted drivers. Distracted driving is the practice of driving a motor vehicle while engaged in another activity, typically one that involves the use of a mobile phone or other electronic devices. Driving while using a cell phone reduces brain activity associated with driving by 37%. drivers increase their risk of a crash two to four times while talking on a mobile device, either hands free or hand held. Cell phone use is not the only distraction. Technology is constantly evolving and now cars are coming equipped with Wi-Fi hot spots, navigation systems, multimedia streaming and social media capabilities. Drivers report that they believe it is safer to use a hands free device as opposed to a hand held device. The majority of surveyed drivers feel that talking on a cell phone was a somewhat or serious threat to their personal safety.  Phone conversations of any type increase reaction times and increase different speed levels, swaying into lanes and having control of the steering wheel.  We all lead such busy lives with not much free time but if we continue these habits of trying to multitask while driving we may not have any time at all.  We can try to change the statists by putting our phones down while driving and waiting till we are in a safe environment to talk, text or plug in to the web.



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AnitaDistracted Driving

Spring Break Tips

by Anita on March 23, 2016

Are you planning a little spring break travel? With Easter approaching we all want to spend quality time with our loved ones and friends. Here are some helpful tips to decrease your stress.
If you are planning on driving, have your auto mechanic take a look at your tires, wipers, oil and shocks to decrease your risk of having any issues while you are on the road.
Be sure to have your insurance id card, registration and roadside assistance number in your glove compartment if needed.
Make sure your cell phone is charged.
Try not to post too much information on social media about being away or the length you will be gone. It’s hard not to share but it helps to keep your home safe from potential break in’s.
Leave a timed light on in your home or have a neighbor check on your home and take in your mail.
If you are flying be sure to have all important and necessary paperwork together and in an envelope for all who are traveling together.
If you are renting a car, remember your ID card to show to the rental car company for proof of your insurance.
If you are traveling abroad, have your passport in a secure place and ask your hotel/lodging if they provide a safe or safety deposit boxes you may use or rent. You will feel much more relaxed with your important paperwork, money and valuables knowing they are secured.

Leave your travel arrangements with someone that you trust so they know where you are traveling too and where you will be staying.

Lastly, enjoy yourselves wherever your destination is!






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AnitaSpring Break Tips

What to do if you have witnessed an auto accident

by Anita on March 16, 2016

If you are ever witness to an auto accident please keep the following tips in mind:
– Pull completely off the road and turn on your emergency flashers.
– Check to see if there are any injured persons. Do not move or touch any injured parties, just try to assess what happened.
– Call 911 and be ready to answer questions and provide as much information as possible. The dispatcher will ask for the location (street, intersection, ramp information). They will also ask how many people need help, such as is anyone bleeding, unconscious or in grave danger.
– If you happen to have a camera or smartphone, take a few pictures. Capture pictures of the vehicles involved, any street or road conditions which may have played a factor in the auto accident. Be prepared to share these pictures with the drivers and law enforcement.
People react differently in emergency situations, but you need to make sure you are smart about how to lend a hand. These tips will help determine what your involvement will be. You can find the official list of obligations and liabilities with being a witness and assisting with an auto accident at

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AnitaWhat to do if you have witnessed an auto accident

Spring Home Maintance

by Anita on March 9, 2016

Spring-Cleaning-Outdoor-SpacesIt looks like we can finally talk about spring! It’s time to start looking around our homes to spot any potential dangers or risks that may have occurred during the harsh winter months. Spring home maintenance is an important factor for every home owner. Take a walk around your property and clear any dead trees or limbs and cut trees and shrubs away from siding and roofs. Make sure all foundation and gutter drains are draining properly. Clear gutters of any debris from the fall/winter. Patch any cracks in the driveway and sidewalks. Repair any wind-damaged fences and gates, as well as checking on siding, trim and the roof. Inspect all vents such as attic, whole house and dryer.  Be sure to take a look at your chimney for any falling stucco and have chimney cleaned and creosote build-up removed and have chimney lined if necessary. Make sure the chimney screen cap is still intact.  Check inside for any separation between the fireplace and hearth as well as firebox. This is also a great time of year to change the batteries in your smoke detector as well as carbon monoxide detector. Also check your garage door openers for battery life.  Entry and exit ways to your home should be evaluated for loose handrails, loose screen and storm doors. You want to also check for any air leaks. Look for any broken glass or seals on windows and panes.  Check any steps or decking that could be a fall or tripping hazard.  When reattaching garden hoses check for any leaks from main source and that connections are intact. Any outdoor electrical outlets should be checked by an electrician or with a tester.


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AnitaSpring Home Maintance

Does your auto insurance cover your rental car?

by Anita on March 2, 2016

You booked your vacation, planned your itinerary, shopped for clothes and are ready to pack and go. You realize uh-oh we are renting a car…do we have coverage or will it be an unexpected expense to insure the rental? The first step is to contact your insurance agent and discuss your coverages to make sure you have adequate coverage to extend to the rental car. In most cases if you carry comprehensive and liability coverage on your personal car the coverage will extend to the rental car as well. If you are paying for the rental car with a credit card, check with the credit card company to see if they provide secondary coverage in the event there are any gaps in your insurance policy.
The rental company will offer you four main options that in many cases you simply don’t need. Collision Damage Waiver/Loss Damage Waiver is not actually an insurance product but a waiver that transfers the financial responsibility from you to the rental car company if there is damage or theft. If you carry liability coverage on your own vehicle, this is coverage you can decline. Personal effects coverage if you have a homeowners or renters policy your personal items will generally be covered even if they are stolen from the rental car. Personal accident insurance will cover your medical bills in the event of an accident in the rental car. If you have personal injury protection on your auto policy you can decline this coverage. Knowing before you go to the rental car agency what your current auto insurance policy offers, you will save time and grief worrying or deciding what additional insurance you may or may not need.  Be sure to have your current identification card for your vehicle or a picture of it with you when you are ready for the rental car to save time of having to have one faxed over or frantically trying to look it up on the internet. The rental agency will need your policy number and dates of coverage for their records.

car rental agreement

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AnitaDoes your auto insurance cover your rental car?

Help! I’ve been in an auto accident, what do I do?

by Anita on February 17, 2016

The unexpected has happened, you have been in an auto accident and you aren’t sure what to do. The following tips will help you during the event you are involved in an accident.

Remain calm, you cannot change what just occurred it’s best to try to think clearly about the auto accident and what just happened. Note the time of day, road conditions, speed and what led to the auto accident.

Check on all drivers and passengers.  Get medical attention for anyone who needs it.  Do not move anyone who requires medical attention.

Call the police if there is a significant amount of injury or property damage.  Ask for a police report and obtain the name and badge numbers of the responding officers.  (Keep in mind in some municipalities police do not respond for auto accidents unless an injury is reported).

Exchange information with all involved parties. Get names, numbers, addresses, drivers’ license numbers, license plate numbers and basic insurance info such as name of provider and policy numbers.

Do not admit fault or apologize for anything (you may be admitting legal liability).  Be cooperative and cordial to all involved. Ask witness what he or she saw. Get their names and numbers if possible.

Take pictures of your vehicle and all other vehicles involved in the auto accident.

Call your insurance company to notify them of the accident. Explain the facts clearly and truthfully. auto accident

If you are injured, keep track of your medical treatment. Request copies of all medical reports and bills.

After the accident has been reported you will contacted by a claims adjuster if you have damage to your vehicle. They will advise you on how and where to get your vehicle fixed.  Keep your adjusters name and phone number handy in the event you need it for medical bills or have any further questions involving your auto claim.






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AnitaHelp! I’ve been in an auto accident, what do I do?

Do you need car insurance in Philadelphia?

by Anita on February 12, 2016

It is a state law to have car insurance in Philadelphia. By law you are required to carry the following coverage:
Bodily Injury Liability~ the minimum limit is $15,000/$30,000
Medical Benefits~ minimum limit is $5,000 of coverage
Property Damage Liability~ the minimum limit is $5,000
These are the minimums for car insurance in Philadelphia that you must purchase. It makes sense to purchase car insurance based on your financial portfolio. To determine how much car insurance in Philadelphia you should purchase, you want to have coverage equal to your assets.
If you get into an accident or pulled over, a police officer is going to ask you for your license, auto insurance and registration. Not having car insurance can lead to your car being confiscated and with hefty fines attached.
Chances are if you haven’t shopped around for car insurance in Philadelphia lately, you could be pleasantly surprised when you get a quote that will satisfy your financial portfolio as well as your pocket. Insurance companies determine their rates individually. Not all car insurance providers charge the same, that’s where Freedom Insurance Group Inc. comes in handy.  We do the car insurance shopping for you by quoting your needs with 10 A+ rated companies to get you the lowest car insurance premium based on your needs. Honestly, we all want low cost car insurance in Philadelphia, but the key is getting affordable car insurance with the right amount of coverage.  Having the right car insurance agency in Philadelphia like Freedom Insurance Group Inc. will make it easy to get the coverage you need at an affordable rate.  Our licensed agents have the experience to assist you throughout the process of getting a new policy as well as assisting you with any accidents and or claims you may encounter in the future.  We strive to get and keep your car insurance in Philadelphia low.  If you are short on time, you can always request a quote online at or call 215-673-0300.



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AnitaDo you need car insurance in Philadelphia?