An automobile insurance policy must have liability and first party medical benefits based on the insurance laws of Pennsylvania. Liability consists of Bodily Injury to Others and Property Damage. This would cover injuries towards another person or damages to their vehicle should you have an at fault accident.
First Party Medical is required in PA with a minimum limit of $5000. Limits of up to $100,000 are available.
There is also Physical Damage Coverage available to cover damage to your vehicle. Comprehensive covers glass breakage, fire, theft, vandalism, hail and animal claims. Collision covers all other damage to your vehicle, such as collision with another vehicle, object, or damage from a hit and run driver.
PA has a tort law in which you must choose between limited and full tort on your automobile policy. Full tort allows a covered party to sue in court for all damages caused by a not-at-fault accident. With limited tort you are limiting the right to sue for pain and suffering to serious injury only. By selecting the limited tort option your premiums will be slightly lower versus selecting the full tort option.
Other optional benefits include uninsured and underinsured motorist coverage, additional first party benefits such as work loss, accidental death, funeral, and extraordinary medical benefits, towing and labor and rental reimbursement.
We offer coverage on all types of private passenger vehicles including classic and antiques!
We write many types of homeowner policies: a traditional homeowners policy, renter’s insurance, mobile home, condominium, rental properties, vacant properties, and homes under construction to name a few. Our insurance specialists will tailor a policy that best fits your needs. Optional coverages such as Sinkhole collapse, water and sewer backup, equipment breakdown, and scheduled personal property are available through most of our carriers.
Flood Insurance: you do not need to live in a Flood zone to purchase flood insurance. Anywhere it rains, has the potential to flood. We offer Flood insurance through the National Flood Insurance Program with up to $250,000 in coverage on the dwelling and $100,000 in contents. Excess Flood is also available.
Do you have a swimming pool on your property? A driver under the age of 25 on your auto policy? High net-worth or a large amount of assets? An umbrella policy offers valuable coverage to protect you in the event of a large loss. Umbrellas provide additional liability coverage over your auto and home policies, and are available in amounts starting at $1 million up to $10 million.
Watercraft/Boats that need liability and physical damage can be covered on their own policy. Fishing boats, houseboats, sailboats, personal watercraft (jetskis), pontoon boats, and cabin cruisers are examples of some of the types of boats we can provide coverage for. Get outside and have fun knowing that you will have great coverage at an affordable price.
Motorcycle Insurance & Off-Road Vehicle Insurance
We can provide coverage for most types of motorcycles such as cruisers, street bikes, touring bikes, Trikes, 3 wheelers, 4 wheelers, dirt bikes, scooters, mopeds, golf carts and segways. Our carriers have the coverages you need.
Whether you are pulling a travel trailer behind your vehicle or driving a motorhome, we can help. Vacationing can be carefree with our ability to cover Class A, B and C motorhomes, toterhomes, conventional trailers, fifth-wheel trailers, toy haulers, pop up trailers and mounted truck campers. Liability, physical damage, vacation liability, and personal effects coverage is available.