Renting a living space is an attractive option for many reasons. Chief among them: You don’t have to be responsible for upkeep, repairs, or replacing expensive appliances like furnaces or refrigerators.
But choosing to rent your home doesn’t absolve you from all responsibility. If you think you don’t need renters insurance because your landlord is there to take care of everything, you’re wrong. You’ve worked really hard and spent a long time amassing many thousands of dollars in personal property, and it would be foolish not to protect that.
At Freedom Insurance Group, we love helping customers protect themselves by hooking them up with affordable homeowners, life, and car insurance in the Philadelphia area. We want to do the same for renters.
Here’s what you need to know when shopping for a renters insurance policy.
Renters insurance protects your personal property – your furniture, your clothes, your electronics, etc. – from damage resulting from a fire in your rented home, or theft due to a break-in. Valuables such as heirloom jewelry or expensive pieces of art are often insured separately. It’s also common for flood insurance or earthquake insurance to be part of a separate policy.
Some renters insurance policies will protect the property you keep in your car, but will not cover damages to the car itself.
Renters insurance also can guard against liability, meaning that if someone gets injured in your apartment and tries to sue you, you’re covered.
When moving into a rental property, take inventory of your property – snap pictures, round up any important receipts – so you know what you own and how much it’s worth.
As with any insurance policy, it’s important to review your options with your insurance agent to make sure you’re getting a comprehensive policy that meets all your needs.
Spring is the start of moving season and a great time to think about rental insurance, especially if you’re a recent college graduate who is moving out of Mom and Dad’s house or relocating for work and shopping for apartments. Many rental properties require proof of renters insurance before you can sign a lease.
The agents at Freedom Insurance Group will be happy to sit down with you to search for the right renters insurance policies for your family. If you’re buying a home and need homeowners insurance, or there’s a new driver in your house and you need to beef up your car insurance anywhere in the Philadelphia, PA, area, give us a call today.
August 2003 is when Freedom Insurance Group, Inc. came to be, established by Anita Allegrezza as an independent agency. Here, we focus on property and casualty insurance, priding ourselves on our friendly customer service. Even now, we are continuing to expand, ensuring that all of our customers are met with the protection they need.
As a Trusted Choice Agency, we aspire to be your sole insurance agent, freshening your rates and coverage to give you “freedom from the high cost of insurance.” All of our customers are like family to us; we will always strive to provide you with an insurance policy that has competitive rates and complete coverage for all stages of your life.
All of these companies allow us to remain competitive in the market and give us the flexibility to determine the perfect insurance company suited to you. We customize an insurance package based on your needs, working with you the whole time. We reduce costs, offering multiple discounts to help your monthly budget.
We have four major areas of insurance coverage:
Auto Auto insurance provides property coverage that pays for damage or theft of your car, liability coverage that pays for your legal responsibility to others for bodily injury or property damage and medical coverage that pays for the cost of treating injuries or rehabilitation.
Home Homeowners insurance entails protection against damages to your house itself as well as to the possessions inside. While it covers damages to your property, it also covers your liability for any injuries or damages incurred by family members or pets to other people’s properties.
Life Life insurance has two major types: term and whole life. Whole life insurance is often referred to as permanent life insurance, as it pays a death benefit whenever you pass away, even if you live to be 100. Term insurance is more simple; it only pays if you pass away during the term of the policy.
Renters Renters insurance provides liability insurance, covering the tenant’s personal property against perils like fire, theft and vandalism.
Freedom Insurance Group, Inc. will give you the best insurance possible to keep you covered while limiting any kind of risk. When you feel safe with a little extra in your pocket, that is a job well done. We are confident that we can free your world from the restraints other insurance companies impose by ensuring you receive the perfect package for your needs. Call now for your personalized quote!
The heat can make us all feel miserable and getting in a hot car only makes it worse. The stifling air and hot steering wheel make you rethink public transportation. There are plenty of easy things you can do to keep your car cool in the heat. Putting a sun shade on your windshield will block the rays from the sun heating your steering wheel and front seats. Tinted windows are another good way to block the sun not only when your car is parked but also while driving. Be sure to check with your car insurance agent for your state’s laws regarding the restrictions for the darkness of the tint allowed. When parking your car, look for a shaded area or a spot where the sun hits the back of your vehicle as opposed to the front. Covering your leather seats with a towel or cooling pads will help keep the seats somewhat cooler and not expose your skin to the hot leather. Have your air conditioner serviced and recharge your system or add refrigerant if needed. When getting in your car turn the air on full blast and crack your windows slightly until the air inside the car is cool. Waiting to put children and pets in the car until the car cools down is strongly suggested. We hope you find these tips resourceful. We hope you stay safe and comfortable in these summer months!
Do you know all of the auto insurance discounts in Philadelphia available to you? We search through the ads in newspapers and online for sales and coupons. Why not approach buying auto insurance in Philadelphia the same way? We all want to find a good price and sale on the things we purchase, the same auto insurance discounts are also found when shopping for auto insurance at Freedom Insurance Group. Call Freedom Insurance Group at 215-673-0300 to get your free quote and to discuss all the ways you can save money on your auto insurance. Did you know you are eligible for an advanced quote discount, which means you shop for auto insurance before you are picking your new car up or switching you current auto insurance company? You can qualify for a discount if you are purchasing a new vehicle and what the vehicle has to offer in the line of safety features. Many or most cars have dual airbags, passive restraints, anti-lock brakes and numerous other safety features with the construction of the vehicle. Many companies offer what is called a paperless discount which saves money on postage and to helps the environment by sending correspondence such as bills, reminders and insurance ID cards via email. Your marital status, education level and occupation also offer discounts. Owning a home entitles you to a home owner discount and possibly a bundling discount if your auto and home is insured with the same company. If you have a teen through twenty four year old on your policy who is in good academic standing with a GPA or 3.0 or better also qualifies for a good student discount as well as a discount for driver’s education and road experience education classes. Your college driver can qualify for an away at school discount if your student attends school over 100 miles away without a vehicle on campus. Our seniors qualify for discounts for completion of safe and defensive drivers courses. Low mileage discounts are available for those drivers who travel less than 7500 miles a year. Prior insurance coverage and length of prior insurance coverage adds up to savings in your pocket also.
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.
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.
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. Kids are going back to school. Most people think about books, pencils, back packs, school clothes, new sneakers and haircuts. But you may want to add insurance to the list. If you still have high school students in the house who drive or will soon be getting their license, remind them that good grades equal lower car insurance rates. Many insurance companies offer the good student discount which is for earning a B or better. You must provide your insurance agent with a copy of the last report card as verification. Cheaper car insurance is just another incentive to do well in school.
If you are sending your kid off to college for the first time most likely they will not have a vehicle on campus and will be living in a dorm. Is your son/daughter living away at school 100 miles or more? If the answer is yes, then you may qualify for a discount on your auto insurance. If you have a junior or senior in college they may have a car at school with them and living off campus. If they have a vehicle at school with them, remember to provide your agent with the address where they are in school. The agent can then split rate the vehicle so that all cars are rated at their respective addresses. This is important for your auto insurance policy. When you are renting a house or apartment your contents are not covered under the landlord’s insurance policy, therefore you may want to think about renter’s insurance. Many students bring TV’s, laptops, game systems and personal belongings with them. Renters insurance may insure these items in a covered loss. Keep your college student in the loop when it comes to insurance. This way when they are ready to purchase their own auto and renters insurance policy they will know what to do. These are beneficial life lessons for your kids.
Freedom Insurance Group, Inc. announces they represent six companies that offer an early quote discount for car insurance quotes in Philadelphia.
Many consumers do not know the savings advantage associated with calling ahead when you need car insurance. Some of their companies offer a discount just for calling for a quote one to ten days prior to your policy expiration date. For example, Travelers calls this discount their Early Quote Advantage. With Travelers you may be eligible for a 10% discount if you call for a quote 8 or more days in advance. Many of the companies they represent have this discount only it’s referred to by a different name.
The following companies offer a discount for getting a quote in advance: Progressive, Travelers, The Hartford, Safeco, Grange & Mercury.
“It’s true; the early bird does get the worm. Most consumers are not aware of the fact that calling ahead of time for a car insurance quote can save you money.” said Anita Allegrezza, Owner & Principal agent of Freedom Insurance Group Inc. “Freedom Insurance Group, Inc. represents 10 A or better insurance companies, but we put the customer first. Everyone wants to save money and take advantage of discounts. Some people won’t buy if they don’t have a coupon, find it on sale or get a discount. If insurance companies are offering a discount for calling your agent ahead of time, take advantage of all the savings you can.”
The agency is a full service insurance agency. They offer auto insurance, homeowners insurance, motorcycle insurance, boat insurance, umbrella insurance, commercial insurance, life insurance, RV insurance, and more. For more information on Freedom Insurance Group, Inc. or to get a quote, go to their website www.freedom4insurance.com. There you will also find a money saving checklist with many discount opportunities for you to review prior to speaking with an agent.