How much do you know about homeowners insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage.

A standard homeowners insurance policy includes four essential types of coverage. They include:

• Coverage for the structure of your home. Read more
  Filed Under: Hockessin, DE, Local Insurance Agents & Agencies, Newark, DE, Serving Cecil County MD, Serving Chester County PA, Serving Delaware County PA, Serving New Castle County DE, Wilmington, DE
  

  Car Insurance, The Six Basics

  August 7, 2008 by admin · Leave a Comment 

  1. Bodily Injury Liability

  This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission.

  2. Medical Payments or Personal Injury Protection (PIP)

  This coverage pays for the treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.

  Read more

  Filed Under: Ardmore, PA, Auto/Car Insurance, Bryn Mawr, PA, Chadds Ford, PA, Drexel Hill, PA, Exton, PA, Glen Mills, PA, Havertown, PA, Hockessin, DE, Local Insurance Agents & Agencies, Malvern, PA, Newark, DE, Newtown Square, PA, Paoli, PA, Serving Cecil County MD, Serving Chester County PA, Serving Delaware County PA, Serving Montgomery County PA, Serving New Castle County DE, Springfield, PA, West Chester, PA
  

  Contractors Insurance: A few facts you may want know

  August 6, 2008 by admin · Leave a Comment 

  As a contractor in today’s day and age, every job you take on comes with its own set of risks. Contracting requires specific obligations and legal responsibilities. If any mistakes are made that cost a client, this client has the right to make a claim against you, and these kinds of claims can become quite expensive for a contractor. In addition, the vast majority of clients today legally require that a contractor be covered by some level of contractors insurance, before any contract is accepted.

   What is Contractors Insurance?

  Contractors insurance provides protection for a general contractor, developer, or builder, as well as its employees and agents, against lawsuits, liabilities, expenses, or other costs that may result from a claim against the building or property. Examples of these claims include but are not limited to roofing or electrical failure, faults, leaks or safety issues. Read more

  Filed Under: Business/Commercial Insurance, Collegeville, PA, Contractors Insurance, Drexel Hill, PA, General Liability Insurance, Hockessin, DE, Local Insurance Agents & Agencies, Newark, DE, Norristown, PA, Phoenixville, PA, Pottstown, PA, Royersford, PA, Schwenksville, PA, Serving Berks County PA, Serving Chester County PA, Serving Delaware County PA, Serving Montgomery County PA, Serving New Castle County DE, Wilmington, DE, Workers Compensation Insurance
  

  What Can Universal Life Insurance Do For You

  July 30, 2008 by admin · Leave a Comment 

  Universal Life Insurance, also called “Flexible Premium Adjustable Life Insurance,” entered the life insurance market in the early 1980s as a more flexible version of Whole Life Insurance. Like Whole Life Insurance, Universal Life Insurance features a savings element that grows on a tax-deferred basis. A portion of your premiums are invested by the insurance company in bonds, mortgages and money market funds. The return on the investments Read more

  Filed Under: Ardmore, PA, Aston, PA, Bear, DE, Brookhaven, PA, Bryn Mawr, PA, Chadds Ford, PA, Collegeville, PA, Conshohocken, PA, Downingtown, PA, Drexel Hill, PA, Exton, PA, Gilbertsville, PA, Glen Mills, PA, Havertown, PA, Hockessin, DE, Malvern, PA, Media, PA, Newark, DE, Newtown Square, PA, Norristown, PA, Pottstown, PA, Royersford, PA, Schwenksville, PA, Serving Berks County PA, Serving Bucks County PA, Serving Chester County PA, Serving Delaware County PA, Serving Montgomery County PA, Serving New Castle County DE, Serving Philadelphia County PA, Spring City, PA, Springfield, PA, Universal Life Insurance, Upper Darby, PA, Villanova, PA, Wayne, PA, West Chester, PA, Wilmington, DE
  

  Understanding Your Car Insurance

  July 16, 2008 by admin · 4 Comments 

  Collision and Comprehensive Insurance Coverage

  If you read and understand your car insurance policy and coverage limits, you’ll be less worried and more relaxed should something happen, because you’ll know what to expect with comprehensive auto insurance coverage.

   

  Read more

  Filed Under: Auto/Car Insurance, Local Insurance Agents & Agencies, Personal Insurance, Serving Delaware County PA, Serving New Castle County DE
  

  Long-term Care Insurance - Can You Afford Not to Have it?

  July 16, 2008 by admin · 1 Comment 

     

  Long-term care refers to the many services beyond medical care and nursing care used by people who have disabilities or chronic (long-lasting) illnesses. Long-term care insurance helps you pay for these services, which can be very expensive. A policy also ensures that you can make your own choices about what long-term care services you receive and where you receive them.  Ordinary health insurance won’t cover it. People are living longer and longer these days. That’s good news, but the flip side of that is there are more years in which there’s a risk of serious health problems. And that could literally cost all of your remaining life’s savings. Unfortunately, ordinary health insurance policies and Medicare usually do not pay for long-term care expenses. Medicaid, a federal/state health insurance program, will only pay for long-term care if you’ve already spent most of your savings or other assets. So, there’s long-term care insurance. Read more

  Filed Under: Local Insurance Agents & Agencies, Long Term Care Insurance, Senior Insurance, Serving Delaware County PA, Serving New Castle County DE