What perils are covered on a standard home insurance policy?

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At Northeast Insurance Advisors LLC in Easton, PA, homeowners have noticed a misconception about what is covered on a standard home insurance policy. Many assume it covers wear and tear, earthquakes, floods, mudslides, and any other peril that may occur to compromise the structure and integrity of their homes. However, we are here to take the guesswork out of what is covered and give you clarity and understanding about your home policy. This information will give you peace of mind and confidence that you and your family are well taken care of in case of the unthinkable.

What is covered in a standard home policy?

A standard home insurance policy usually covers perils such as house fires, lightning, hail damage, vandalism, falling objects, theft, windstorms, the weight of snow and ice, explosions, smoke damage, accidental water discharge, and damage caused by a vehicle or aircraft (other than yours). It’s important to note that coverages may vary slightly depending on your insurance agency and their specific coverage policies.

A standard policy typically covers damage caused by civil commotion (unrest) or rioting.

What is not covered (excluded) from a standard home policy?

There are common exclusions to home insurance policies, such as earthquakes, floods, pest infestations, normal wear and tear, the growth of mold, and other perils listed explicitly in the policy exclusions section of your home insurance policy. Though a standard homeowner policy doesn’t cover earthquake and flood coverage, they can be added at an additional cost.

For more information on home insurance policies

Home insurance policies can be tricky, but we are here to simplify everything for you, from insurance terminology and jargon to maintaining your policy and filing a claim if needed. At Northeast Insurance Advisors LLC in Easton, PA, we have the experience and expertise to give you peace of mind concerning the protection of your home and family.

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How to File a Flood Insurance Claim as a Resident Living in Easton, PA

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Residents of Easton, PA, who have flood insurance through NFIP, the National Flood Insurance Program (or a private insurer), need to know the appropriate steps to take when filing a flood insurance claim. At Northeast Insurance Advisors LLC, we can help you protect your home in the event of a disaster, storm, or significant flood.

Contact Your Insurance Provider

Immediately after a flood (and when it’s safe to do so), contact your insurance agent or provider directly, offering your policy number and details about the extent of the damage your home or property has sustained. You can also work with an agent or adjuster who will be assigned to your case.

Documentation

Document any damaged property or items (interior and exterior). Take photographs and videos, including the water level, from a distance on your property. This can help you receive adequate quotes to cover the full extent of the damage you’ve recently experienced. Create an inventory of damaged, missing, or lost items and valuables.

Meet With Your Adjuster

A flood insurance adjuster can conduct a thorough inspection and review your evidence and documentation of sustained damage.

Proof of Loss Form

Once an adjuster’s inspection is complete, you must fill out and submit a Proof of Loss form within 60 days of the flood. This form is crucial to processing your claim and will ensure that all the damaged items in your home are on the list.

At Northeast Insurance Advisors LLC, we will work with you to guarantee you’re properly adequate and protected while living as a resident near Easton, PA, or anywhere in Pennsylvania. To learn more about filing flood insurance claims if you’re living near Easton, PA, contact Northeast Insurance Advisors LLC today.

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Life Insurance Considerations for Senior Citizens

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Most people are introduced to a life insurance policy as part of their company’s employee benefits package. Subsequently, getting married often motivates people to purchase additional life insurance. If you have any life insurance questions, consult a knowledgeable agent to clear up any intricate uncertainties. If you’re in the Easton, PA area, our Northeast Insurance Advisors LLC team will be more than happy to answer your inquiries.

Life Insurance for Senior Citizens

By the time you retire, it’s likely you already have a life insurance policy, providing you with confidence that you can provide for your family after your passing. During your working years, you might have aimed to have an insurance payout equivalent to two to three months of your salary. However, upon retirement, you might consider decreasing your insurance coverage.

It’s certainly advantageous to make such a decision with the assistance of a financial advisor. Contemplating your family’s needs for help with expenses related to your burial, funeral, and estate taxes will make you reconsider maintaining your premium payments. Some policies may even allow you to withdraw some of your policy’s funds to pay for medical expenses. While withdrawal will reduce the payout amount, it proves invaluable to cover expenses.

Contact Northeast Insurance Advisors LLC Today

Life insurance remains a necessity for clients of all ages. Our team at Northeast Insurance Advisors LLC offers a full range of life insurance solutions, along with coverage for all your other insurance needs. Easton, PA area residents can confidently rely on our ability to explain all your insurance options. Schedule an appointment with us today.

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Why do I need to have motorcycle insurance in Pennsylvania?

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For those living in and around Easton, PA, it will always be a good idea to ensure that you have a reliable mode of transportation. One great transportation option that you can have here is to purchase a motorcycle. Being a motorcycle owner in this area will give you an efficient way to get around. Along with your motorcycle purchase, you also need to get the right insurance. You need to have motorcycle insurance here for different reasons. 

Protect the Asset

A top reason to have a motorcycle insurance plan is to protect the asset. If you have decided to invest in a motorcycle, you will want to be assured that you will be covered if a loss is experienced, such as theft or damage through an accident. If you have a full insurance plan in place, you can make these replacements and protect your financial assets. 

Comply with Requirements

It is also a good idea to get a motorcycle insurance plan to comply with all requirements. Many motorcycle owners will take out a loan when acquiring it. In these cases, you will need to carry a full insurance plan to meet lender standards. Further, you will be required to carry insurance to meet state laws and requirements. 

If you have decided to purchase a motorcycle when you are in the Easton, PA, area, you will always want to know that you are selecting the right insurance plan. One of the best ways to start this process is by calling our team with Northeast Insurance Advisors LLC. Our professionals at Northeast Insurance Advisors LLC can help you assess any and all options and build your next motorcycle insurance plan. 

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Do I Need Higher Coverage for a Classic Car?

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You’ll need special auto insurance to protect your vehicle if you own a classic car, regularly work on it, and participate in automobile shows in or near Easton, PA. Unlike most cars, classic cars often appreciate in value as they age. Not all insurers cover classic cars, but Northeast Insurance Advisors LLC experts can help you find the best coverage for your prized vehicle.

How Does Classic Car Insurance Work?

This isn’t about getting more extensive coverage for your vehicle but about getting different coverage. It operates similarly to standard auto insurance, except you’ll get coverage based on your car’s agreed-upon value. To qualify for this coverage, you’ll need to meet the following criteria:

  • The insured vehicle can’t be used daily
  • It must be kept in a private garage
  • You can’t have serious driving infractions on your record
  • It would be best if you had other insured vehicles available for use

In addition to most auto policies’ customary collision, comprehensive, and liability sections, classic car insurance offers several unique coverage options. These include tiered mileage plans, coverage for special replacement parts, and auto show medical coverage if someone gets injured during an event where your car is showcased.

What Qualifies as a Classic Car?

Car insurers usually consider a car that’s at least 20 years old and defined as antique or vintage to be a classic car. The vehicle could also be a collector’s item, have limited production, exhibit exceptional artistry, or have sentimental value. Many classic car insurance policies cost less than regular auto policies, as insurers expect you to drive the vehicle less and pose less risk.

The important thing is to get the right coverage for your classic car. Contact the agents at Northeast Insurance Advisors LLC, serving Easton, PA, to start on your policy today.

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Will renters insurance cover my roommates’ items as well?

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While sharing similarities with homeowners insurance, renters insurance caters specifically to renters. This type of coverage emphasizes safeguarding a tenant’s personal belongings rather than the rented property itself. Offering a variety of insurance forms, renters insurance can prove vital. At Northeast Insurance Advisors LLC, we understand the misconceptions often associated with renters’ insurance. We’re dedicated to helping Easton, PA renters understand how it works and secure the coverage they need.

What is renters insurance?

Renters insurance combines liability coverage with protection for personal belongings. Liability coverage plays a critical role if a guest incurs injuries within your home or their property suffers damage. Additionally, financial coverage extends to damages caused by natural disasters, theft, vandalism, fire, sewer backups, burst pipes, and more. If your belongings or a visitor’s items suffer damage, your renters’ insurance policy will step in to cover repair or replacement costs. Likewise, the cost of medical treatment for any injured visitor is also covered.

Does renters insurance cover my roommates’ items?

No, renters insurance does not cover your roommate’s possessions. They would need their own renter’s insurance policy to obtain coverage for their items. Despite sharing living space, roommates are not part of your insurance policy, so they do not receive the same benefits. If damages or losses occur to your roommate’s belongings, they aren’t covered by your policy. However, if you’re responsible for damaging your roommate’s items, your renter’s insurance may cover the costs, contingent on the specifics of the situation. For further clarification on renters insurance, feel free to contact us. We’re here to answer all your questions.

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Collision Coverage for Your Recreational Vehicle

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Collision coverage provides financial protection if your recreational vehicle is involved in a vehicular accident. It also protects against fallen debris and other materials that could cause body damage.

Collision Coverage

If your RV is involved in an accident or natural disaster, it is your responsibility to have repairs made. An automotive accident could cause extensive damage to your RV’s body.

Fallen limbs and other debris could also damage parts of your RV. Collision coverage is an optional type of RV coverage. It will protect against unforeseen incidents that damage your vehicle. 

Driving Patterns

Before you decide if obtaining collision coverage is right for you, assess your driving patterns. If you use your RV on a routine basis, you may find that it is beneficial to have collision coverage.

The areas you drive in could also affect whether you buy an RV collision policy. If you often drive in congested areas, obtaining collision coverage may put you at ease. This type of coverage will add extra protection to your RV insurance policy.

Inspection

Have your RV inspected before you purchase collision insurance. The inspection will determine its overall condition. If any body parts are damaged, schedule an appointment with a licensed mechanic to have them repaired.

Next, determine how much collision coverage you need. The value of your vehicle and the frequency with which you drive can help you choose an amount.

Contact Northeast Insurance Advisors LLC

Contact one of our friendly agents at Northeast Insurance Advisors LLC to learn additional information about RV collision coverage. After you have reviewed the available insurance products, an agent who serves Easton, PA, will prepare your new RV insurance policy for you.

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Four important decisions you’ll need to make about your umbrella insurance policy

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Umbrella insurance protects your net worth and is essential if you face a lawsuit that costs you more than the maximum coverage offered by your other insurance policies. At Northeast Insurance Advisors LLC, we can help you find an umbrella insurance solution in Easton, PA.

You’ll need to make four important decisions about your umbrella insurance policy.

The insurance provider you buy umbrella insurance coverage from

It’s essential to choose an insurance provider with a good reputation.

Good customer service and a simple claims process are essential considerations to consider to avoid headaches down the road if you have a question about your policy or need to file a claim. 

The amount of coverage you want to invest in

When you buy umbrella insurance, you should know that this type of coverage is typically sold in increments of $1 million.

Consider your assets and total net worth when deciding on your coverage amount. Ideally, you’ll want to cover your total net worth with your umbrella insurance policy. 

Decide on your deductible amount.

Not all umbrella insurance policies include a deductible. However, umbrella insurance can sometimes include a small deductible.

You need to be aware of any deductible you’ll have to pay, and you’ll probably be given a few options for deductible amounts. 

Consider adding others to your policy.

You might want to specifically name other insured individuals on your policy, such as your spouse. This is important because you cannot automatically assume that your umbrella insurance will cover everyone in your household. 

Learn more about our umbrella insurance policy offers in Easton, PA, by calling Northeast Insurance Advisors LLC. Contact us now for a quote on a policy. 

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Protect Yourself Financially With Boat Insurance

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Boat owners know the thrill of getting out on the water. However, there are many things that can happen on the water that aren’t so thrilling. Many incidents can cause expensive damage to both property and people. It’s important to have boat insurance for your own financial protection in case of a damaging incident. If you own a boat that isn’t insured yet, call us at Northeast Insurance Advisors LLC in Easton, PA. 

Boating Accidents

Just like car accidents, boating accidents are frequent. They can cause an enormous amount of damage that costs a lot to take care of. The best way to protect yourself in case of an accident is to have a boat insurance policy. If your boat collides with another watercraft of any kind, it can cause very expensive damage to your craft as well as the other party’s boat. If your accident is your fault, you’ll owe for the damage to both crafts as well as any injuries that occur. This can be extremely expensive and difficult to afford. That’s where boat insurance comes in. 

Boating Coverages

These policies include many different types of coverage. One of them is bodily injury liability, which pays for the other party’s injuries. Since these can be so high, it’s important to have this coverage. You also need property damage liability, which pays for the damage to the other watercraft or any other property that gets damaged by your boat. You need this to pay for what can be highly costly repairs. 

Get Boat Insurance 

For your own financial protection, you need boat insurance. To get started, contact us today at Northeast Insurance Advisors LLC in Easton, PA, and find out more. 

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Burglary Preparedness: How to Safeguard Your Easton PA Home with Insurance

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Safeguard Your Easton, PA Home with Comprehensive Insurance

Living in the picturesque town of Easton, PA, you might feel pretty secure in your charming neighborhood. However, no home is completely safe from potential burglary threats. Northeast Insurance Advisors LLC, with its team of experienced home insurance professionals, is here to help residents adequately protect their homes with comprehensive insurance plans.

Best Ways to Strengthen Your Home’s Defence Against Theft

To ensure your home is fully protected against burglary or theft, it’s essential to adhere to common sense home safety and security measures. Below are several steps to strengthen your home’s exterior defenses.

  • Secure Doors and Windows: Reinforce your home’s locks to deter intruders.
  • Install a Security System with Video Capabilities: Security cameras act as a significant deterrent to burglars.
  • Install Outdoor Flood Lights: Bright outdoor lights can serve to illuminate dark areas where thieves might attempt to hide.
  • Keep Valuables Out of Sight: Store valuable items like electronics in areas that aren’t easily visible from windows.
  • Join a Neighborhood Watch Program: Collaborate with your neighbors to ensure everyone’s safety.

Comprehensive Home Insurance: Your Essential Safety Net

After you’ve stepped up your home security measures, it’s time to consider fortifying your home’s interior and exterior with comprehensive home insurance. This financial tool offers peace of mind and acts as a safeguard against potentially devastating losses. If a burglary occurs, a comprehensive policy helps offset the costs of replacing stolen items and repairing property damage.

Ready to Shield Your Easton, PA Home with Insurance?

Don’t wait for an unforeseen event to evaluate your home’s security measures or insurance coverage. Contact our friendly and knowledgeable team at Northeast Insurance Advisors LLC today for a comprehensive home insurance quote, and enjoy the peace of mind that comes from knowing that your property and loved ones are adequately safeguarded.

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