Umbrella Insurance: For What Your Standard Policy Doesn’t Cover

Posted on November 20, 2024November 18, 2024 by agentinsure

Insurance is the safety net many people rely on when they need help. From accidents to house fires and more, insurance can offer people the protection and coverage to deal with some of life’s most unpleasant events. Unfortunately, however, gaps in coverage or the damages or costs of certain misfortunes can exceed the limits of a policy, leaving people with the burden of dealing with the aftermath. The good news is that umbrella insurance can provide the extra protection you need to avoid these situations. That is why people in the Pittsburgh, PA area turn to the professional and friendly team at Stalwart Insurance for all their umbrella insurance needs.

For What Your Standard Policy Doesn’t Cover – There’s Umbrella Insurance

Most standard insurance policies provide sufficient coverage and protection for typical accidents and incidents. The problem, however, is how often accidents are typical or ordinary. And when those situations and unexpected events cause damage, bills, and costs that exceed your policy’s standard limits, guess who is left holding the bag?

The good news is that you can be better protected with the right umbrella insurance plan when those accidents and unexpected events go off script. That is also why reviewing your policies and talking to your agent about how an umbrella insurance policy could help you is a good idea.

Get Umbrella Insurance Solutions in Pittsburgh, PA

Do you live in or around the Pittsburgh, PA area? Do you have questions, or would you like to learn more about how umbrella insurance can help provide the extra coverage you need? If you need umbrella insurance or have questions, our knowledgeable and experienced team at Stalwart Insurance can help. Contact us to find out more and schedule an appointment today at Stalwart Insurance for the umbrella insurance solutions you need and deserve.

Flood Protection for the Lowest Level in Your Home

Posted on October 21, 2024October 16, 2024 by agentinsure

Flood Protection: Shielding Your Home from Natural Disasters

The lowest level of your home is susceptible to rising floodwaters. A flood can cause significant damage to your basement before it affects the rest of your home. Learn how flood protection can safeguard your house from a natural disaster.

Understanding Flood Coverage

The cost of repairing or rebuilding a home can be high. Flood coverage alleviates costs that a homeowner is responsible for. Comprehensive coverage assists with paying for costs from the onset of a flood rehabilitation project. Here are some of the flood mitigation steps that flood insurance may cover:

Disinfection processes
Drying processes
Transport and disposal services
Outside repairs
Onsite repairs
Professional cleaning services

Protecting Structural Materials

Floodwaters can weaken and damage structural materials. Once water saturates them, porous and semi-porous materials can become warped.

A flood insurance policy will cover the structural materials that comprise your home’s thermal envelope. The materials that make up the basement walls and floor can be added to a flood insurance policy.

Flood protection may cover the cost of replacing compromised materials. It may also cover the expenses necessary to repair or upgrade hardware, trim work, and other features within a home.

Covering Drainage Essentials

Drain pipes, vents, and other drainage essentials are often located in a home’s lower level. During a flood, these materials could become clogged or damaged.

The flood protection policy that a property owner acquires can help cover the cost of cleaning, repairing, or replacing drainage essentials that are affected by a flood.

Customized Flood Insurance Services in Pennsylvania

Receive customized advice for your home. An assessment of the lowest level in your home will determine how much flood protection is needed. Contact one of our Stalwart Insurance agents. An agent who represents Pittsburgh, PA will schedule a flood insurance consultation.

Classic Car Insurance Add-ons

Posted on September 30, 2024September 24, 2024 by agentinsure

Understanding the Benefits of Mobile Home Insurance

At Bryan Insurance Agency LLC, we acknowledge the significance of safeguarding your home in New Windsor, NY with the right insurance. In the array of home insurance forms offered by the industry, we will focus on the HO-7, explicitly designed for mobile homes.

Insuring Your Mobile Home

Once a mobile home—be it a single, double, or triple-wide—is transported to its final location, it loses its ‘mobile’ aspect and becomes your home. Most insurers mandate that mobile homes use tie-downs and skirting to protect against weather-induced damage and potential rodent issues.

The Core of HO-7 Coverage

Various home insurance forms offer coverage against different perils. A mobile home policy provides coverage similar to an HO-3 policy, a common choice for single-family homes. As per NJ.com, most mobile home policies include the following five types of coverage:

Dwelling
Other structures
Personal property
Liability
Additional living expenses.

In addition to the above, an insured can opt for policy endorsements. These can be used to insure a specific item, like an engagement ring at full value, or cover unique needs, such as home business insurance cover.

Customize Your Mobile Home Insurance Today

The experienced team at Bryan Insurance Agency LLC can help you create a mobile home insurance policy that best fits your New Windsor, NY, home. Contact us today to learn how to apply for a home insurance policy and confirm that your mobile home meets the insurance criteria.

How to Protect Your Home in Pittsburgh with the Right Home Insurance Policy

Posted on August 30, 2024August 20, 2024 by agentinsure

Investing in a comprehensive home insurance policy as a homeowner in Pittsburgh, PA is essential to protecting yourself from potential risks, natural disasters, and more. If you’re living in Pittsburgh, PA, and seeking the right home insurance policy, Stalwart Insurance is here to help guide you every step of the way.

Assessing Your Needs

Anytime you need home insurance as a Pennsylvania resident, you’ll need to consider your property’s overall value and the value of all of your personal belongings and assets. Consider weather risks and crime rates where you intend to reside before choosing a home insurance policy that is right for you.

Types of Coverage

When you’re searching for home insurance in Pittsburgh, PA, you’ll also need to compare different insurance types, such as:

Liability: Liability coverage can help protect you from medical and legal expenses if someone is hurt or injured on your property.
Dwelling Coverage: You will require dwelling coverage to protect the structure of your home that may be damaged during a major storm or natural disaster.
Personal Property Coverage: In addition to traditional dwelling coverage, it’s advisable to consider personal property coverage to protect your belongings and personal items from theft, damage, or loss.
Additional Insurance Options: Additional insurance policies and options not standard in PA may include flood insurance, umbrella insurance, and even specific sewer backup insurance, depending on your home’s location and specific needs.

If you’re living in Pittsburgh, PA, and need a comprehensive home insurance policy that provides peace of mind, visit Stalwart Insurance. At Stalwart Insurance, we will work with you to find the best home insurance policy for your house or property investment anywhere in Pittsburgh today.

How Auto Insurance Protects Your Passengers

Posted on July 30, 2024July 22, 2024 by agentinsure

Often, people perceive auto insurance as a security measure solely for their vehicle. However, it provides much more than that. It serves as a vital mechanism to safeguard you and your passengers. If you’re in Pittsburgh, PA, and in need of guidance regarding your coverage options, Stalwart Insurance is here at your service. Our skilled agents are equipped to provide you with the necessary information and expertise that will assist you in making the most appropriate decision concerning your auto policy. This will facilitate the safety of the people you care about.

Auto insurance provides numerous options for types and levels of protection. This can significantly influence your safety levels for everyone traveling in your vehicle. It’s crucial to have them protected against potential medical claims and other issues that may result from an accident. Our agents can provide valuable assistance in achieving this effectively, thus enabling a heightened sense of confidence and peace of mind.

While it may not always be possible to evade an accident, the coverage you possess can significantly impact the aftermath, especially for your passengers. Whether you already have a policy that requires review or are considering a new one, interacting with an agent will provide the answers you seek.

If you’re in Pittsburgh, PA, and uncertain about the level of protection your policy should provide, reach out to Stalwart Insurance. There’s no need to continuously worry about your passengers’ welfare every time you drive if you can modify your policy to offer them an extra layer of protection. This will improve your companionship with them, enrich your experiences, and create memorable adventures.

Four Things to Look For In An Insurance Agent When Shopping for Renters Insurance

Posted on June 28, 2024June 21, 2024 by agentinsure

Your renter’s insurance policy is there for you when you need it. In the event of a covered incident, your policy can assist with payment for repair or replacement of your belongings, thus substantially reducing the stress associated with such situations.

At Stalwart Insurance in Pittsburgh, PA, your insurance agent is not just a salesperson but a partner in your journey to find the insurance policy that fits within your budget and adequately covers your belongings. We strive to connect our customers with the policy that best suits their needs.

It is important to know what qualities denote an exemplary agent when you’re searching for an insurance agent to help you procure a renters insurance policy. The following are four characteristics of a good insurance agent.

1. Responsive to Questions

As a prospective insured, you will likely have numerous questions concerning your renter’s insurance policy – and rightfully so! The more you ask, the better you equip yourself to make an informed decision when selecting your policy. Hence, it’s crucial to choose an insurance agent who is responsive to your queries. Seek an individual who promptly returns calls and provides comprehensive answers.

2. Collaborates with Several Carriers

The larger the number of carriers your insurance agency coordinates with, the higher the likelihood of them finding a perfect policy for you. Inquire to ascertain the extent of carriers your representative collaborates with.

3. Possesses Industry Knowledge

A good insurance agent exhibits a deep understanding of the insurance industry. Their responses should assure you of their competence in providing precise and complete information.

4. Experienced

Experience can significantly enhance the services an insurance agent can offer you. Thus, seek an insurance agent with an extensive background in the insurance industry.

If you require a helpful, prompt, and experienced insurance agent, don’t hesitate to contact Stalwart Insurance in Pittsburgh, PA. We are ready to assist you.

Need Extra Coverage? Get Umbrella Insurance

Posted on May 27, 2024May 24, 2024 by agentinsure

If you rent a home or own a car, it’s essential to have a good insurance policy to protect those assets. However, some people may need to be made aware that another option, called umbrella insurance, can provide additional protection. If you live in the Pittsburgh, PA area, you can get information about umbrella insurance – as well as any other insurance questions – answered by our team at Stalwart Insurance. We welcome the opportunity to live up to our company name and to provide you with the insurance solutions you need.

Umbrella Insurance Provides Additional Coverage

Umbrella insurance is additional insurance intended to protect the limits of already-existing policies. These policies are especially suited for people who have valuable assets. Although homeowners or auto owners most frequently purchase umbrella policies, they can also be helpful for special types of lawsuits. An experienced and knowledgeable insurance agent can provide more details about these policies and how they might benefit you.

Umbrella policies will reimburse their holders when their regular policies have already paid their maximum amounts. An example might be if you were in an auto accident, and the other driver’s policy did not fully cover your car’s damages or medical bills. If you had umbrella insurance for your auto policy, that umbrella insurance would be activated, and pay the rest of the expenses incurred during the accident.

Call Us Today for an Appointment

When you make decisions about the types of insurance you need, you’ll want to know that you’re protected to the full extent of your needs. Residents of the Pittsburgh, PA area can find the best possible source of answers to any insurance questions. Call us at Stalwart Insurance today for an appointment to talk with one of our agents about all your insurance needs.

Who Needs Flood Insurance?

Posted on April 26, 2024April 24, 2024 by agentinsure

When you own a home, you need insurance to protect yourself and your investment. One of these is home insurance, which is essential for financial protection in case of a damaging event. However, as a homeowner, you also need to have flood insurance. Every homeowner should have it for a number of reasons. If you don’t have flood insurance for your home, call us at Stalwart Insurance in Pittsburgh, PA.

Complete Protection

Many people don’t think they need to get flood insurance because they have a home insurance policy. However, floods aren’t covered under home insurance policies. Floods are specifically excluded from the coverage you get from them. To have full protection for your home, you need to have a flood policy in addition to your home policy.

Floods and Flood Zones

Another reason that many people believe they don’t need flood insurance is that they don’t live in a flood zone. Flood zones are designated areas known to flood on a certain schedule, such as every 20 or 50 years. When you live in a flood zone, getting flood insurance is required to mitigate the risk. However, not all floods happen in designated flood zones. When flood claims come in, about one in five are from an area outside of flood zones. That makes it necessary for all homeowners to have flood insurance for financial protection.

Get Your Flood Insurance Policy

It’s vital that you protect your home financially. It’s usually the largest investment that a homeowner has. If a flood happens to your home, it can cause extensive damage. If you only have home insurance, you’d be forced to pay for all the repairs yourself. Call us at Stalwart Insurance in Pittsburgh, PA to get flood insurance.

Is Your Car Too Old For Comprehensive Coverage?

Posted on March 29, 2024March 19, 2024 by agentinsure

At Stalwart Insurance, we are proud to help Pittsburg, PA, area drivers by insuring various types of vehicles. We can insure new cars and trucks, modified vehicles, and classic and restored cars. We insure luxury vehicles along with daily drivers.

One of the most frequent questions we get involves when an owner should switch from comprehensive insurance to less expensive liability coverage only. Here are some things to consider:

Do You Have a Loan on Your Car?

If you are making payments on your vehicle, your lender is likely to require you to have comprehensive coverage. Switching to liability insurance may not be an option for you at this time.

What Is Your Vehicle Worth?

It can help to monitor your vehicle’s book value. This will give you an idea of the maximum value you will receive should your car be "totaled," minus your deductible.

Does The Difference in Your Premium Make Sense?

Check the difference between the premium for comprehensive coverage and basic liability coverage. Some suggest if the premium is over 10% of the value of your vehicle, you should consider shifting to liability only.

Make a Move That Makes Sense For You

Of course, everyone’s situation is a little different. Base your decision on your financial situation and risks. If you would like to discuss your options, contact us.

Get a Quote Today

An excellent place to start is by comparing coverage and costs. Contact Stalwart Insurance LLC of Pittsburgh, PA, for a no-obligation car insurance review and price quote. Of course, the decision is always yours.

We look forward to assisting you.

I Purchased Life Insurance. Now What?

Posted on February 15, 2024February 14, 2024 by agentinsure

So, you finally did it. You realize you aren’t immortal. You also realized that if you died, that would severely financially inconvenience your family. So, you bought life insurance. For the most part, all you have to do is pay your monthly premiums and not commit suicide for the next two years. There are a few things you may want to tell your beneficiaries so that they can collect when the time comes.

What Your Beneficiary Needs

When the time comes, your beneficiary will need to get a copy of your death certificate. It’s a good idea for them to have a few copies of this. It’s also important that your beneficiary contacts the insurance company as soon as they can. They will need the claim form, too, so they can get to it. If you keep it in a safe, ensure they know the combination or have a copy of the key. (Notice that psychics who claim to talk to the dead never seem to know lock combinations.) Generally, the claim will be paid within 30 days of the insurer receiving the necessary documents. Make sure your beneficiary knows who you’re insured with.

What Is Covered

Your beneficiaries will be compensated in the event of just about any form of death. The only exceptions are suicide within two years of purchase of the policy and homicide at the hands of the beneficiary.

Contact Stalwart Insurance Serving Pittsburgh, PA

If you live in the Pittsburgh, PA, area and are looking into purchasing life insurance, please get in touch with Stalwart Insurance. Our sagacious and courteous agents will do all they can to help you get what you need and help your beneficiaries collect what they deserve.

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