Home Insurance

Your Winter Home Insurance Checklist

by Anita on November 1, 2018

The winter season has many things to appreciate about it. Brisk weather, serene landscapes, and yes—snow days—are all elements of wintertime that many of us look forward to.

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AnitaYour Winter Home Insurance Checklist

What Can Homeowners Insurance Cover?

by Anita on August 31, 2018

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.

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AnitaWhat Can Homeowners Insurance Cover?

A Guide to Warding Away Winter Headaches in Your Home, Condo, or Apartment

by Anita on December 21, 2017

Once 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.

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AnitaA Guide to Warding Away Winter Headaches in Your Home, Condo, or Apartment

What to Ponder While Purchasing a Home in the Winter

by Anita on November 22, 2017

It’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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AnitaWhat to Ponder While Purchasing a Home in the Winter

Summer Home Maintenance Tips – Freedom Insurance Group

by Anita on June 22, 2016

Summer Home Maintenance Tips

Photo Of Couple Holding Tools - Freedom Insurance GroupThe 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.

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AnitaSummer Home Maintenance Tips – Freedom Insurance Group

New Year new insurance needs?

by Anita on January 5, 2016

anita_main_phoneWelcome 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.

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AnitaNew Year new insurance needs?

Umbrella Policy – Insurance Philadelphia, Freedom Insurance Group, Inc

by Anita on November 20, 2015

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.

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AnitaUmbrella Policy – Insurance Philadelphia, Freedom Insurance Group, Inc

Fall home maintenance – Homeowners Insurance Philadelphia

by Anita on November 3, 2015

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.

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AnitaFall home maintenance – Homeowners Insurance Philadelphia

Back to school with lower Car Insurance – Philadelphia

by Anita on August 27, 2015

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.

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AnitaBack to school with lower Car Insurance – Philadelphia

Advance Quoting – Freedom Insurance Group, Inc. – Philadelphia

by Anita on August 27, 2015

Advance Quoting

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.

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AnitaAdvance Quoting – Freedom Insurance Group, Inc. – Philadelphia