Category: Insurance

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.

Those that are in the Pittsburgh, PA area may dream of being a classic car owner. These are prized vehicles that are fun to drive and can also be a good investment as the values tend to rise over time. If you are a classic car owner, you will always want to protect your car as well as you can. The best way that this can be done is by getting a proper classic car insurance plan. This is needed for a few reasons.

Drive Vehicle Legally

A reason that you will need to have coverage for your classic car is so you can drive it legally. In this state, a driver of any type of vehicle needs to maintain liability coverage. For classic car owners, the actual liability risk is lower than most drivers as the vehicle is driven sparingly. A classic car insurance plan will take this into consideration when the plan is being built and priced.

Cover Investment

You also need classic car coverage as it is the best way for you to cover your investment. Buying a classic car can be expensive, and it can increase in value over the years. With classic car coverage, you are able to build a plan that will incorporate this increase in value. This can make it a great way to ensure your full classic car investment is protected. 

As you are looking to protect your classic car in the Pittsburgh, PA area, calling the team with Stalwart Insurance will be a great idea. Those that want to get classic car coverage will find that Stalwart Insurance is a good resource. The team here offers a lot of support when it comes to building a plan and keeping your vehicle covered. 

Owning a classic car can be fun, but it also involves having common sense regarding insurance. In Pittsburgh, PA, Stalwart Insurance agents can help classic car owners maintain the right type of insurance and protect their investment. The older a classic car gets, the more valuable it becomes. It’s important to make sure your car is sufficiently covered.

Minimum Coverage by State If You Drive on the Highway

Many people choose to drive their classic cars on the street. What’s the fun of having a nice classic car if you can’t show it off occasionally. If you plan on driving your car on trips or just for a trip around town, you will have to have the mandatory minimum coverage for your state. Your insurance agent can help determine what amounts you need to drive legally.

Appraised Value

Classic cars, especially those rare vehicles, may have to be insured for their appraised value instead of their Kelly Blue Book value. Understanding what makes your vehicle so valuable will help you determine how much insurance you need to carry it on. Talking to an insurance agent will help.

Personal Liability

If you take your classic car to car shows, you may want to carry personal liability as well. This will cover a person’s injuries if they get hurt by touching or getting near the car. Even if they are at fault, it’s a good idea to have personal liability just in case.

At Stalwart Insurance, the agents understand how classic car owners feel about their investment. Making sure the car is sufficiently insured is only part of the process. If you live in or near Pittsburgh, PA, and own a classic car, call and make an appointment with an agent today!

For people that live in the Pittsburgh, PA area, owning a car is very common. For car lovers, one dream would be to own their own classic car eventually. If you do purchase a classic car, you should consider getting classic car insurance for it. This is a unique form of auto insurance that has a variety of characteristics that make it ideal for protecting a classic car. 

Provides Unique Property Insurance

One of the benefits of a classic car insurance policy is that it will provide you with unique property coverage. A classic car is unique because it can appreciate over time, which is compared to most vehicles that tend to lose value. To ensure that your value and asset is protected, the classic car insurance policy can come with a replacement value that is based on an agreed-upon value between you and the insurance provider.

Liability Protection Reflects Less Driving

Another benefit of classic car insurance is that it can come with liability insurance protection that reflects the reality of your driving situation. When you drive a car daily, you are going to put on a lot of miles. The more miles you drive, the more risk there is with insuring you. With a classic car, you are bound to drive very few miles each year. The classic car insurance policy will be structured to reflect this lower liability risk.

Ultimately, anyone that owns a classic car in the Pittsburgh, PA area should get a classic car insurance policy. When you are looking to insure your classic car, you should call Stalwart Insurance to discuss your needs. The insurance team at Stalwart Insurance can help you understand the benefits of this coverage and get you into a policy that provides the right protection.

For people that live in the Pittsburgh, PA area, owning a car is very common. For car lovers, one dream would be to own their own classic car eventually. If you do purchase a classic car, you should consider getting classic car insurance for it. This is a unique form of auto insurance that has a variety of characteristics that make it ideal for protecting a classic car. 

Provides Unique Property Insurance

One of the benefits of a classic car insurance policy is that it will provide you with unique property coverage. A classic car is unique because it can appreciate over time, which is compared to most vehicles that tend to lose value. To ensure that your value and asset is protected, the classic car insurance policy can come with a replacement value that is based on an agreed-upon value between you and the insurance provider.

Liability Protection Reflects Less Driving

Another benefit of classic car insurance is that it can come with liability insurance protection that reflects the reality of your driving situation. When you drive a car daily, you are going to put on a lot of miles. The more miles you drive, the more risk there is with insuring you. With a classic car, you are bound to drive very few miles each year. The classic car insurance policy will be structured to reflect this lower liability risk.

Ultimately, anyone that owns a classic car in the Pittsburgh, PA area should get a classic car insurance policy. When you are looking to insure your classic car, you should call Stalwart Insurance to discuss your needs. The insurance team at Stalwart Insurance can help you understand the benefits of this coverage and get you into a policy that provides the right protection.