Umbrella insurance is coverage that anyone can get to help protect them when they need extra insurance coverage. There are several ways that umbrella insurance can protect you. Talk to your local insurance agents to get a better understanding of umbrella coverage. In Reading, PA, the agents at Berks County Insurance are experts that will give you information and help guide you through your umbrella policy.

What does Umbrella Insurance Cover?

Umbrella insurance provides coverage if you have injuries, property damage, lawsuits, or other incidents. Any of the following liability protections have a limit in your regular policy. Umbrella gives you coverage over that limit.

• Property Damage Liability – can cover you if you cause damage to someone’s property. For example, if you caused an auto accident, your dog causes damage to your neighbor’s fence, or if your child destroys property at school. Once your coverage amount has been met, your umbrella insurance would protect you beyond that coverage.

• Bodily Injury Liability – is coverage for you if you cause injury to a person. It can be useful if someone receives a injury from a car accident you caused. You could be responsible for any monetary cost that occurs as a result of the accident if it was deemed to be your fault.

• Landlord Liability Insurance – if an individual sues you because they fell on your property, umbrella insurance could help you if the cost of the individual’s lawsuit goes beyond your standard insurance policy limits.

What You Can Do

Anyone can get umbrella insurance if they feel they need more coverage than their standard policy will allow. Talk with the independent agents in Reading, PA at Berks County Insurance to discuss getting the right amount of umbrella insurance for your needs.

Flood insurance in Reading, PA is a separate policy that will protect you against flood damage, since floods aren’t covered under a standard home insurance policy. Even without being in a high-risk flood plain, having flood insurance can protect you from financial ruin. While FEMA and other organizations can help during a major flooding disaster, it will not pay out as fast, and you will likely have to pay back the money, so flood insurance is worth the investment. Floods aren’t just for homes in high-risk areas. Twenty percent of claims for flood damage come from areas that are considered low or moderate risk. 

What Does It Cover?

Depending on what you purchase from your agent at Berks County Insurance, flood insurance can cover your home, your belongings, or both. For building property coverage, it includes the physical structure of the home as well as electrical and plumbing systems, heating and air systems, and attached cabinets and panels. It’s typically paid out in replacement cost, which is what it takes to repair the home. Personal contents coverage protects your belongings, including furniture, electronics, clothing, portable appliances, and freezers and food within. Certain valuables are covered up to a specific amount. Personal contents protection will typically pay out in actual cash value, which means that it takes into consideration depreciation.

What Is Not Covered?

Flood insurance will not cover any mold or mildew damage that could have been avoided by the homeowner. If you accidentally flood your basement, this wouldn’t be covered under flood insurance. It won’t cover any currency or precious metals, living expenses, cars, or outdoor property, such as hot tubs, pools, decks, and fences. Most flood insurance will not cover basements and crawl spaces and the things that are stored there.

Contact Berks County Insurance, serving Reading, PA, to get a quote on flood insurance.

Purchasing life insurance can be a very personal experience. The process requires you to work with an agent who is willing to explain all of the terms and conditions and help you discover the options that work best for the situation. You must name a beneficiary for your policy, but do you need to notify them before you name them?

The Beneficiary

Before you begin the process of purchasing life insurance, make sure you know who your beneficiary will be. Although you have to name them, you don’t necessarily have to notify them that you are taking that course of action. You may also need to name an alternate in the event of an extenuating circumstance that would prevent them from accepting the claim. Discuss your decisions with a licensed agent before you begin the process and find out if there are any special circumstances in your area that would make it necessary to notify the beneficiary before the policy purchase. 

Licensed Agents

Always work with an agent specifically licensed to sell life insurance and who has plenty of experience to help guide you through the process. You will want to work with someone you can trust and who is sympathetic to your individual wishes and needs. If you live in or around the Reading, PA area, you should contact Berks County Insurance for more information about their high-quality products that are offered by knowledgeable agents who care about their customers.

Resident in the Reading, PA area can rely on Berks County Insurance to help them protect their loved ones and offer solutions that work for any individual. Call or stop by the office for more details about life insurance.

As a contractor or builder, you need insurance to protect your future. In the high-risk construction industry, lawsuits are just around the corner. Berks County Insurance, which serves Reading, PA, has the products to safeguard what you’ve built.

When you have Commercial Liability insurance, your business has the safeguard of coverage if a third party files a lawsuit claiming bodily injury, property damage, or, in advertising, libel, slander, or copyright infringement. Whereas the above-mentioned policy protects your business if you’re sued by a third party, you also need workers’ compensation to pay for the medical expenses and lost income resulting from on-the-job injuries to your employees or you. Like contractors and builders, subcontractors should also carry liability and workers’ comp. 

Another insurance to consider is Builder’s Risk, which covers a building under construction. Since the materials used in construction are costly, it’s good to know that this insurance usually covers your tools and equipment at the job site while you are completing the structure. If you have Commercial Property insurance, the loss of tools and equipment due to fire, theft or vandalism at your business’s permanent location will be paid for. Combining the benefits of liability insurance with property insurance into one policy is Business Owner’s insurance. As for the vehicle you use as a contractor or builder, generally speaking, your personal auto policy will not cover it. Therefore, you will probably need a commercial auto policy.

Aside from protecting what you have accumulated, another reason to get commercial insurance is that many businesses will not enter into a contract with you unless you have it. Contact Berks County Insurance, which serves Reading, PA, to speak to a knowledgeable agent who can put your business on more solid ground with the right coverage.

At Berks County Insurance in Reading, PA,  we understand the importance of having boxing/MMA insurance. We are also cognizant of the immense sense of responsibility of the athlete to take out this type of insurance. It is to be respected. We strive to make every aspect of the process easy and clear for all parties involved. 

Before The First Round

Before you get into the ring, consider the liability you may incur as a result of either your profession or your hobby in Boxing /MMA. It’s great that you have a sport or profession that you enjoy but the responsible thing to do is protect yourself and your family before you enter the ring. 

Most people are familiar with boxing which, generally stated, is a punching competition between two opponents. MMA is a newer past time and is the acronym for Mixed Martial Arts. Generally, MMA includes kicking, punching, slapping, tripping, and just about anything that you can imagine one opponent can do to another opponent. 

• Have you considered the property damage that may come about if you damage property inadvertently during a match?
• Consider the liability if someone who is viewing your match or fight is hurt
• Consider the injury to yourself 
• Consider the injury to your opponent

Be certain to take care of business before you throw the first punch. Both of these sports are potentially dangerous, and it is crucial that you protect yourself from liability. Once insured, you can have more enjoyment because you do not have to worry about what might happen. 

Call or come in today to Berks County Insurance if you reside in the Reading, PA area and would like to learn more about how protecting your sports life can help you protect your life. Put down the towel and pick up the phone. Contact us at  610-779-9060 

 

At Berks County Insurance in Reading, PA,  we understand the importance of having boxing/MMA insurance. We are also cognizant of the immense sense of responsibility of the athlete to take out this type of insurance. It is to be respected. We strive to make every aspect of the process easy and clear for all parties involved. 

Before The First Round

Before you get into the ring, consider the liability you may incur as a result of either your profession or your hobby in Boxing /MMA. It’s great that you have a sport or profession that you enjoy but the responsible thing to do is protect yourself and your family before you enter the ring. 

Most people are familiar with boxing which, generally stated, is a punching competition between two opponents. MMA is a newer past time and is the acronym for Mixed Martial Arts. Generally, MMA includes kicking, punching, slapping, tripping, and just about anything that you can imagine one opponent can do to another opponent. 

• Have you considered the property damage that may come about if you damage property inadvertently during a match?
• Consider the liability if someone who is viewing your match or fight is hurt
• Consider the injury to yourself 
• Consider the injury to your opponent

Be certain to take care of business before you throw the first punch. Both of these sports are potentially dangerous, and it is crucial that you protect yourself from liability. Once insured, you can have more enjoyment because you do not have to worry about what might happen. 

Call or come in today to Berks County Insurance if you reside in the Reading, PA area and would like to learn more about how protecting your sports life can help you protect your life. Put down the towel and pick up the phone. Contact us at  610-779-9060 

 

As an RV owner in Reading, PA, you probably know a few things about saving money, after all, your RV helps you save by combining your hotel and vehicle all in one. It’s only natural that you would want to learn how to save money on the cost of your insurance as well. Here are a few tips to help save on the cost of your RV insurance premiums.

Bundle Your Policies

One of the first and usually easiest ways to start saving on the cost of your RV insurance premiums is to do your research. Contact your current insurance agent as well as a few others to find out if you can bundle policies, such as your home and car along with your RV insurance.

Drive Safely

Avoiding trouble on the roadway is not only safer for you, but a clean and safe driving record may also help to reduce the cost of your RV insurance policy. For example, if you have a habit of speeding, it can result in tickets and points on your license, which will ultimately increase the rate of your insurance coverage. So, by slowing down and following the rules of the road, you will have a safer trip and save money on your insurance premiums.

Increase Your Deductions

The deduction is the amount you owe out of pocket before your insurance policy kicks in. Increasing the deductible may help to save on the cost of your premium. Before increasing your deductible, it is important to take into consideration the fact that you will have a more significant financial burden if you have an accident. So, make sure to think carefully about how much you are comfortable increasing the deduction amount to.

Remember always to check around, do your homework, and be sure you thoroughly understand the terms of your policy before buying. Residents of Reading, PA and the surrounding areas interested in learning more about RV insurance should contact Berks County Insurance.