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How to get Your Car Stolen in One Easy Step

According to this article in the Patriot News, car thieves specifically look for unattended cars with the keys left in them.  Is that really a surprise?

Lawsuit Protection Planning

Introducing our newly developed Lawsuit Protection Planning Worksheet. We developed this form so you can make sure your insurance program is keeping up with your lifestyle. Take charge and make sure your stuff REMAINS your stuff! View the video and complete the worksheet.

Who will pay for your Long Term Care?

Misperceptions abound regarding the need for a plan and who ultimately benefits from proper planning according the experts.

Buy or Lease

It’s hard enough to decide what kind of car best fits your needs and budget.  Then you have to decide how you’re going to pay for it.  I found this tool by SmartMoney.com to be pretty helpful.

Rental Properties

Because many of our clients own rental properties, a recent article in the Patriot-News prompted me to post this link to the PA Landlord and Tenant Act.  Remember, even if your tenant has an apartment full of garbage, rodents, and mold, there are certain notice requirements that must be met for you can legally force an eviction. 

Best Deal on Gas

Looking for the best deal on gasoline in your area?  Now you can just fire up the internet and go to www.gasbuddy.com for a quick rundown of local fuel prices.  You may also want to try www.gaspricewatch.com.

Life Stages

Clients often ask about what types of insurance protection they should consider at different times in their lives. Life Stages is an easy to use informational guide on insurance and financial planning priorities. It takes you from student, single, married, raising children, and retirement. It also deals with divorce, domestic partnership, and job changes. All in all it is a simple tool to help jumpstart your thought process.

Life Insurance Guide

How much life insurance do you need? That’s the million dollar (or more) question!  Use this easy interactive guide to help you make an informed decision.

Tax Rebate Information

Want to know how much of a rebate you’re getting as a result of government’s economic stimulus package?  Click here to go to the IRS website.  Answer a series of questions and PRESTO, you’ll instantly find out how much (or how little) you’re getting.  Good luck!

Car Guide

So you’ve finally decided to purchase a new car.  But what car should you buy? Check out this Erie Insurance Car Guide for its TOP 120 picks. Choose a vehicle that fits your lifestyle and budget without sacrificing safety.
  
    

IMPORTANT NEWS FOR HOMEOWNERS

If you’ve read the newspaper, listened to the radio, or watched television lately, you’ve probably heard about the developing crisis in the Homeowners insurance market.  You may have heard about people who are unable to insure a new home either because of their past claims history or the claims history of the previous homeowner.  Major insurance companies are refusing to provide new insurance policies to clients they’ve insured for 20 years or longer.  Double digit rate increases are becoming the norm.  Policyholders are being surcharged for turning in claims.  Insurance companies are leaving the state. 

As insurance agents, we have no control over the actions the insurance companies decide to take.  We can, however, offer you some advice on what actions you may want to consider taking. 

1.  Think of your Homeowners policy as protection from disaster and raise your deductible accordingly.  Few homeowners would be financially ruined by even a $100%0 claim.  Yet many policyholders still have a $100 or $250 deductible.  Raising your deductible will not only save you money, it could possibly prevent either you or your home from becoming uninsurable.                    

 2.  Practice proper home maintenance.  More and more insurance companies are having the homes they insure re-inspected.  If they find a worn out roof, rotted wood, peeling paint, etc. they can require you to have these conditions fixed or you risk losing your coverage.  Be proactive.   

 3.  Before agreeing to purchase a new home, make sure you can insure it.  Don’t wait until the last minute.  Getting insurance can take much more time than it used to.  At a minimum, your insurance agent will be required to check your claims history, inspect the new house, and get a claims history on the new house.  This can easily take a week or longer.  If the previous owner submitted a claim, it may be difficult to secure coverage on the property - something to keep in mind before submitting a claim on your own policy as well.                                                                        

 We understand some of the difficulties this presents.  But this is the reality of the situation as it exists today.  We want to keep you informed so you can plan and take preventative measures to avoid some of these pitfalls.  

   
    
240 South 18th Street, Camp Hill, PA 17011 Phone:  (717) 763-7631
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