What is Full Coverage Auto Insurance?

Posted on July 30, 2021August 8, 2021 by admin

Did you ever wonder what full coverage auto insurance means? Or if you have it? The team at Northeast Insurance Advisors LLC is here to help the residents of Easton, PA learn all about full coverage auto insurance.

There are many levels of auto insurance coverage and each state has different amounts and components that are required. However, what is required and what is sufficient coverage are almost always two very different things.

Full coverage auto insurance is a misleading term. It’s not actually a single coverage, but rather a combination of coverage components in a policy. This combination of coverage means that you, your vehicle, any passengers in your vehicle, as well as any vehicles or people that you might get into a collision with are covered because of the types and amount of coverage that you carry.

When you hear the term full coverage, it is most likely referring to liability, comprehensive and collision coverage. If you have all three of these components in your insurance policy, you can consider yourself to have full coverage auto insurance.

Liability insurance pays for damages in the event that you are responsible for an accident.
Comprehensive insurance pays for damages incurred to your vehicle when it is not in an accident. For example, if someone damages it by breaking into your car or if it is damaged in a storm, flood, or fire.
Collision insurance pays for damage that happens to your vehicle when it is involved in an accident. This could be a collision with another vehicle or a single car accident, such as hitting a tree or a curb or guardrail.

The professionals at Northeast Insurance Advisors LLC serving Easton, PA are standing by to answer all of your questions about auto insurance.

How will commercial insurance plans in Easton protect businesses?

Posted on June 14, 2021June 5, 2021 by admin

Those that would like to own businesses in the Easton PA area can find that there are a lot of opportunities to be successful. If you are going to try and grow a company in this area, you do need to ensure that it is properly protected with insurance. A commercial insurance plan can protect a business in this area of Pennsylvania in several ways.

Coverage Protects Company Assets

One of the reasons that businesses here need to have commercial insurance is so they can protect their company assets. Those that would like to start a company will need to purchase equipment, inventory, and other major assets. Losing them to a fire, theft, or another type of loss could be devastating for the business. Fortunately, your insurance can protect your assets to ensure they can be replaced if you do incur a loss, which could save your company a lot of money.

Liability Mitigation

The risk of being named in a liability suit is something that businesses always need to take seriously. If a customer is hurt when they use your products or services, you could be held liable for the losses. Those that have a proper commercial insurance plan in place will have the protection to mitigate and offset this risk, which could keep your company solvent if you are found liable for an accident.

Business owners in the Easton, PA area need to make sure they always have proper insurance in place. As you are looking for a commercial plan here, calling Northeast Insurance Advisors LLC is a great idea. The insurance professionals with Northeast Insurance Advisors LLC know the value that comes with this coverage. They can offer any support that you need to choose a plan to protect your company.

Home Insurance FAQs

Posted on May 28, 2021May 28, 2021 by admin

Do you own a home in Pennsylvania? Do you have home insurance coverage? Do you know the nitty-gritty of home insurance? You are on the right page because Northeast Insurance Advisors LLC in Easton, PA is an insurance agent with your insurance interests at heart. Today, we have prepared answers to commonly asked home insurance questions to help you understand this coverage better.

What are the different home insurance coverages available?

Home insurance comes in various forms to help homeowners choose the options that fit their needs. Typically, the below are the most common home insurance coverages:

Liability coverage: There is no bigger guilty feeling than causing damage to your neighbor’s property. Likewise, it’s even more devastating to cause bodily injury to your neighbor. However, home insurance can save the day since it covers third parties’ bodily injury and property damage.
Dwelling coverage: It protects your structure and other attachments from perils like fire, lightning, hail, windstorms, and so forth.
Contents coverage: Pays for damage or loss to personal assets like furniture, electronics, clothing, and other personal effects.
Additional living expenses coverage: Compensates you for costs you incur when your home becomes uninhabitable due to damage by a covered loss.

Does home insurance cover my jewelry?

Yes, but the coverage is limited. Home insurance provides little protection to high-value items like art, silverware, and jewelry. That said, you need to talk to your insurance agent to purchase a personal articles floater coverage, which provides extra protection to your high-value items.