Many people have misconceptions about flood insurance. Here are some facts that might help you understand flood insurance a little better.

Home insurance does not cover flooding.

Contrary to popular belief, some things are not covered by home insurance. Flooding is one of those things that home insurance will not cover. Most people don’t realize this until after filing a claim. They are then stuck replacing everything out of their pocket.

There are different flood insurance coverage types

There are no insurance policies that suit every need, and that includes flood insurance. Like other types of insurance, flood insurance has different types of coverage you can choose. These include content coverage, building coverage, and both.

Insurance has a waiting period before you can use it

Most insurance companies have a 30-day waiting period before you can file a claim. Unfortunately, this means you have to pay out of pocket if there is a flood before or during that 30 days.

It would be best if you had flood insurance in flood zones.

If you live in a flood zone, your lender might require you to have flood insurance on top of your home insurance before you can buy your house. Even if it is not required, getting flood insurance to protect your home and contents would be a brilliant idea. It can be expensive to replace everything after a flood.

Contact Berks County Insurance

These are only some of the many things you should know about flood insurance. For more information about flood insurance in Reading, PA, stop in for a visit or contact us at Berks County Insurance.

Life insurance is essential to financial planning in Reading, PA, but it’s easy to forget your policy once you have it. Reviewing your life insurance policy and ensuring it meets your needs is a good idea.

Reasons Why You Should Update Your Life Insurance Policy 

You should review and update your life insurance policy regularly for several reasons. Here are some of the most common reasons: 

• If you’ve had a significant life event like getting married or having a baby, you may need more coverage than before. 
• Your career may have changed, or you may be making more money than before. This could mean you need more coverage to protect your family in case of an unexpected death. 
• If the beneficiaries listed on your policy have changed, the life insurance payout will not go to the people for what was intended. Updating the beneficiary information is essential for any changes in circumstances. 
• Your health may have changed since you first got the policy; if so, updating the policy can ensure that the insurer covers any medical conditions.  

When To Update Your Policy 

It’s a good idea to review your life insurance policy at least once a year or every five years, depending on how frequently your circumstances change or if any significant events in your life could affect your current coverage level—if you don’t know when to review and update your life insurance policy, then consulting with Berks County Insurance can help you determine when might be the best time for updates and adjustments to be made annually.  

If you live in Reading, PA, and need help reviewing or updating your existing life insurance policy, contact Berks County Insurance today! We can provide valuable advice on adjusting a current plan or finding one that fits better with current lifestyle needs.

Many business owners invest in commercial insurance to protect their assets. Our Reading, PA team at Berks County Insurance is committed to helping business owners get the necessary coverage. We know that no two businesses are exactly alike, and we strive to help business owners get coverage that meets their unique needs.    

What is Commercial Insurance?

Commercial insurance is insurance designed to protect business owners and their assets. Similar to auto insurance, or any insurance, commercial insurance provides liability protection for general risks and other forms of coverage. This insurance provides coverage for your business and employees and ownership. Commercial insurance provides liability coverage and property and business interruption coverage. Of course, a commercial insurance policy can provide a wide variety of different coverage designed to meet the unique needs of your business. This includes cyber liability coverage.

Does Commercial Insurance provide Business Liability Coverage?

Yes. Liability coverage is typically included as coverage provided by commercial insurance. Commercial liability coverage typically includes legal protection for lawsuits and protection against financial loss. This can include protection for defective products and other product issues that a business might be held responsible for. Similar to car insurance, commercial liability insurance also provides personal injury and property damage coverage. Also, commercial liability insurance can cover customer injury based on your advertising, business practices, and other negligent actions. As a business owner, it may be challenging to pay for unexpected situations that may arise. Commercial insurance provides financial and legal protection for your business. Call us if you have questions about commercial insurance and what’s covered. We’d be happy to help you explore the benefits of commercial insurance.

Berks County Insurance provides comprehensive yet affordable insurance policies in Reading, PA, and its surrounding area. We provide typical insurance policies and not-so-conventional policies. For instance, we offer boxing/MMA Insurance to cover activities like kickboxing, martial arts, and professional-style wrestling. Please keep scrolling if you want to learn more about this special coverage.

What does boxing/MMA insurance cover?

Boxing and martial arts are considered to be extreme sports, and injuries and even death can occur. Promoters that house these events should invest in this coverage to ensure they are covered when mishaps occur. Boxing/MMA coverage covers the players, judges, and referees when they suffer injuries or even death.

Without this coverage, individuals or businesses that organize these results can face significant claims when injuries occur. Since the liability claims can be significant, this can easily wipe away your savings and assets. Worse yet, it can plunge you into debt as you try to shore up the difference.

Is boxing/MMA insurance mandatory?

With the rising popularity of boxing and mixed martial events, most state athletic commissions require promoters to purchase insurance for the participants. Furthermore, venues also increasingly require promoters to provide insurance proof before hiring out the venue. Venue holders want to ensure that they aren’t held responsible for bodily injury claims and that their property is covered should there be damage.

Before organizing a boxing/MMA event, please liaise with the venue holder and state commission to determine the insurance requirements.

Affordable insurance coverage near me

Would you like to invest in boxing/MMA insurance coverage? Please get in touch with Berks County Insurance. We offer flexible policies to meet your unique needs. We also serve numerous locations in Pennsylvania, including Reading, PA, and surrounding areas.

Once you’ve found a great place to rent, it’s time to get moved and settle all of your business. One thing that you also have to do during this time is to get yourself a renters’ insurance policy. This is a significant need that can protect you against many different potential problems. Many things can happen to your rental and what’s in it, and you need to be prepared just in case. Call us today at Berks County Insurance in Reading, PA when you’re ready for a policy.

Protection for Possessions

Because you are a renter, you generally don’t have to pay for damage to the home. That is for the landlord to handle. But, when a damaging event does happen, it can also damage all of your items inside that home. These items are your responsibility to protect with insurance. If you think about the many things you own and how much it would cost to replace them, it’s easy to see why renters’ insurance is important. 

Liability Protection

There are liability risks when you rent and the risk to your items. Renters’ insurance offers a few types of coverage, and liability coverage is one of them. This protection is important because it pays for the medical bills of a third party who comes into your home and has an accident with injuries there. The cost of medical bills is always rising, and it’s better to be prepared for them just in case of an accident. This protection can save you from severe financial problems after an accident. 

Get Your Renters’ Policy

To get started with the policy you need to keep yourself protected, you can call us now at Berks County Insurance in Reading, PA.

Any experienced RVer will tell you that a good RV insurance policy is essential to the ownership experience. Not only does it provide peace of mind in the event of an accident, but it can also save you thousands of dollars in repairs. However, with so many different policies on the market, it can be challenging to know what to look for. In this blog post, we’ll take a closer look at some of the critical features of a good RV insurance policy and how they can benefit you. By the end, you’ll know exactly what to look for when shopping for your next policy.

1. Coverage

Coverage is the first and most important thing in a good RV insurance policy. You’ll want to ensure that your policy covers all potential risks associated with owning and operating an RV. This includes collision and comprehensive coverage options to personal liability and medical payments. If you’re not sure what kind of coverage you need, speak to your insurance agent for guidance.

2. Cost

Of course, you’ll also want to ensure you can afford your RV insurance policy. The cost of coverage will vary depending on several factors, including the value of your RV, your driving record, and the amount of coverage you need. However, you should be able to find a policy that fits your budget if you shop around and compare rates from multiple insurers.

3. Easy Claims Process

No one wants to deal with the hassle of making an insurance claim, but it’s essential to make sure that your insurer has an easy claims process. This includes everything from filing the paperwork to getting your RV repairs covered. The last thing you want is to be stuck in a complicated and time-consuming claims process.

As you can see, there are a few things to remember when shopping for a good RV insurance policy. If you are looking for RV insurance in Reading, PA, Berks County Insurance can help. We offer various coverage options to find the perfect policy for your needs. Contact us today for a free quote.

Motorbikes need special maintenance to transition from season to season. At Berks County Insurance, we want you to enjoy your rides around Reading, PA. That means keeping your motorcycle in top condition.

Transitioning from summer to fall riding takes a little maintenance to keep the bike running well. This process prepares you for those chillier rides before you put it up for winter.

During summer, you probably rode your bike in sandy or muddy conditions. It very likely picked up some dirt and debris. It needs you to wash it. Dirt and grime can damage your motorbike because they can enter the wheel wells, engine, gears, and seat.

Check the tires. Measure tread depth. Check the PSI of both tires. Examine both for foreign objects. Replace any worn tire.

Change the oil. Summer’s heat combined with frequent riding saps your oil. It probably became rather dirty, too. Fresh oil provides you with a better ride from your bike.

Ride the bike until the gas tank is near empty. Once it’s nearly emptied, top it up with the best available gasoline, then add a fuel additive/cleaner product.

Check the battery. Examine the leads for corrosion. Measure the battery’s charge and use a trickle-charger to charge it fully.

You’ll repeat many of the items you check when you get ready to put your bike up for the winter. Doing them at the end of the summer season prepares you for more enjoyable fall rides.

Let Berks County Insurance help you with your motorbike insurance, too. We serve those in Reading, PA with the insurance they need to remain secure on the roads of Pennsylvania.

If you own a boat, you’ve probably experienced the joy of taking it out on the water. But if you’ve ever taken a boat out of the water to transport it, you know it’s not easy! It would help if you found a way to get your boat from the marina to your home or business. But how do you do that safely?

Berks County Insurance is happy to help our customers in Reading, PA understand the ins and outs of hauling a boat. Here are some tips to keep in mind.

1. Learn how your trailer’s jack works.

All trailers are different, so even if you’ve jacked up one before, read the manual for the new one. If you don’t, you could damage the trailer or your boat.

2. Always check your tire pressure.

Your trailer’s tires will leak air, even if you don’t use them much. Low air pressure is dangerous for your trailer and your boat. The tires can heat up and blow out while driving, which could cause a bad accident. Make sure to inflate your tires properly before every trip.

3. Check your lights, too.

Speaking of things to check before every trip, make sure your trailer’s lights are working. It’s a common joke among boaters that trailer lights always fail, but not fixing them can be a severe safety issue. Not only do signal lights keep you and other drivers safe, but in many states, they’re required by law.

4. Double-check (even triple-check) your hitch.

High-balling your trailer coupler is when the trailer hitch is too high and causes the trailer to be pulled up and over the coupler. This is dangerous, so always double-check your trailer hitch is at the right height.

Even when you do everything right, things can still go wrong. Protect yourself and your boat with a boat insurance policy from Berks County Insurance of Reading, PA.