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2550 Boyce Plaza Road
Pittsburgh, PA 15241

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How can I find out if I need flood insurance

Floods can be a complicated reality of living near water or in valleys, and the potential damage to your home and belongings can be devastating. Having flood insurance can help with the cost in the unfortunate case of these kinds of emergencies, but how do you know if it’s right for you and your home? Stalwart Insurance in Pittsburgh, Pennsylvania has some tips for how to find out. 

Flood Zones

Some areas are at higher risk for a flood than others. These areas are known as flood zones. There are three kinds of flood zones, which are differentiated by the risk factor for that area: Special flood hazard areas, Moderate flood hazard areas, and areas of minimal flood hazard. Knowing which area you live in, and how high your chances are of experiencing flooding, can help you determine what kind of flood insurance you need. Some areas are at such a high risk of flood that federal law requires property owners to have flood insurance for those areas, so it’s essential to understand whether your property falls in one of those locations.

What makes a flood zone?

A variety of factors can make an area high-risk for floods: heavy rains, nearby rivers which can overflow, broken dams or urban drainage basins, unexpected storm surges, and melting snow and ice. Some areas are more at risk than others because of these factors. Living in a valley at the bottom of a mountain, for example, can mean that melting snow in the spring can cause flooding in or around your home. Similarly, a house on a river might be at risk during times of heavy rainfall, or living downstream from a dam might put you in danger if the dam were to break. Being aware of these factors and how they affect your need for flood insurance is the best way to be prepared in case of this kind of emergency.

There are many factors to consider when deciding what kind of insurance is best for you, and where flood insurance is concerned, there are even more things to keep in mind. For help deciding if flood insurance is right for you, talk to an insurance representative from Stalwart Insurance in Pittsburgh, Pennsylvania to find a reliable policy.

Stalwart Insurance: Tips for Safe Winter Driving

From the snow-covered mountains to the quaint small towns nestled in the hills with snow-covered rooftops, the winters in the most Eastern states can be gorgeous, but the snow can also cause some treacherous road conditions. Here are some tips from Stalwart Insurance in Pittsburgh, PA for safe winter driving in this beautiful state.

Before You Hit the Road

Before heading out on snow or ice-covered roads, be sure to let someone know where you will be traveling and take your cell phone with you. Be sure to fully charge your phone before you take off and stop at a nearby gas station to fill your tank, just in case you do get stranded. Throwing a blanket in the back of your vehicle is a good idea, also, in case your heater does not work, and you need to keep warm until help arrives.

Driving Uphill

Be sure to keep going as you drive uphill on snow or ice-covered roads and to keep your vehicle in high gear. That means, do not stop because if you do, you take a chance on you and your vehicle sliding back down the hill.

Downhill Driving

When traveling down a hill, keep your vehicle in a low gear to decrease your overall speed, and you will not have to use your brakes as often. Braking can cause sliding, which you will want to avoid.

Studded Tires

Studded tires will help keep you and your vehicle on the road and will assist you in climbing steep roads that head uphill.

Stay in Control

Do not use your vehicle’s cruise control feature when navigating snowy roads. If you do, you will not have as much control over the acceleration and deceleration of your vehicle, which you need when traveling on treacherous roads.

Use these tips to stay safe while enjoying your drive through beautiful landscapes. For more tips and to ensure you have proper insurance coverage, visit Stalwart Insurance in Pittsburgh, PA in person, or contact us online.

 

 

What Are the Differences Between Term, Whole and Universal Life Insurance?

It’s understandable why people don’t want to think about it, but everyone needs life insurance. It’s usually better to bite the bullet and get a plan, so you don’t have to worry about it. When you’re shopping, you’re going to find a lot of options. The only hope of picking the best policy is to understand the main classifications of life insurance. That’s why Stalwart Insurance in Pittsburgh, PA made you this quick guide to differentiate between term, whole, and universal life insurance.

Term

This is probably the most common policy you might get from an employer. The name says it. The insurance policy covers a preset term or time. The period is usually 10 to 30 years (it will be fixed when the policy is chosen). You pay a fixed monthly payment, and there is a predetermined payout. Once the term expires, a new one has to be negotiated.

Whole Life

Like the name implies, these policies cover your entire life. The premiums are usually higher because these policies are guaranteed to eventually mature. The premiums for whole life are typically fixed, but the money you put into the account can appreciate, and it is tax-deferred. This allows the policy to grow beyond your contributions, and the final payout can be much bigger than what you might get for a comparable term policy.

Universal

This is also a permanent insurance plan, but it differs from whole life in several ways. First, universal policies typically have flexible premiums. These accounts are more directly tied to investment performance. The money you put into the policy is invested by the insurer, and the idea is for it to grow over the course of your life. Because of the flexible premiums and reliance on investment performance, the payouts of universal policies are less predictable.

This should be enough to get you started, but you ultimately want a customized insurance solution. A quick chat with your Stalwart Insurance representative in Pittsburgh, PA can ensure that you know what you’re getting into, and that it’s the right fit.

 

Tips to Prevent Residential Break-Ins

Burglaries can be financially as well as emotionally draining. Unfortunately, they can happen anywhere and at any time, no matter what neighborhood in Pittsburgh, PA you may live. Burglaries are an ongoing threat, and it’s difficult for the police to track down the criminals after the break-in has occurred. The good news is there are some things you can do to help prevent break-ins from happening to you and your family. Here are a few tips that Stalwart Insurance recommends to help prevent your family from being the victim of a break-in.

Don’t Advertise an Unoccupied House

Burglaries are most like to happen when your home is unoccupied, especially for long periods. Although many people assume that burglaries occur at night, the truth is they are more likely to occur during the daytime when people are at work and school. It’s essential to create the illusion that someone is always at home. When you leave for work, leave the television or radio on and leave a light on or use a timer for lights. When going on vacation, be sure to have mail and newspaper deliveries held until you return and use a timer on various lights throughout the house that is set with different activation times.

Install Secure Windows, Doors, and Screens

A burglar can enter through either doors or windows, so it’s essential that you ensure all entry points are secure. Screens should be free from damage and fit securely in the window frame, and all windows should have operating locks. Some entry points, such as sliding glass doors, especially older styles, are sometimes easy to breech. To help reduce the risk of a burglar getting in through a sliding door, use a security bar, which is placed at the bottom of the door to prevent it from being slid open should the lock be breached. Make sure all windows and doors, including garage doors, are installed correctly and secure.

Burglar Proof Landscaping

Thieves search for homes that allow them to get in and get out without being noticed. Overgrown shrubs, trees, and bushes are the perfect hiding place for a burglar, so make sure to keep all plants trimmed and well-manicured, especially the ones that are in front of windows. Tree branches should be pruned because they can be used as a support for climbing onto the roof or into second-story windows. Make sure to use lighting on walkways, the driveway, and near entry doors.

Burglaries often survey potential victims before they break-in. They will look for habits, such as the time you leave for and return home from work. They also pay attention to what types of expensive items you are buying by looking through your trash, so instead of placing boxes from valuable items, such as television sets, outside with the trash, break down all boxes and put them inside the trash containers. If you notice any unusual people lurking around the neighborhood, be sure to contact the police right away.

To learn more information about or to purchase homeowners’ insurance, residents of Pittsburgh, PA should contact Stalwart Insurance.

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