Our carriers offer some of the broadest personal lines coverages in the industry, and we include in-house settlement of many of the claims that you incur, allowing for a shorter payment turn-around time.
Automobile
Homeowners
Umbrella Liability
Boats / RV's Fire / Landlord's
Inland Marine - Jewelry, Collectibles
Flood
Health, Short Term Care
Disability Insurance
Why do I need personal Umbrella Insurance?
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Dollar for dollar, the umbrella policy may be one of your best insurance buys. Unfortunately, just about anyone can be targeted by a lawsuit these days. It's not unusual to hear of $2 million, $5 million and even $10 million liability judgments against individuals. If someone is injured in your home, or if you cause a serious auto accident, you could be faced with such a judgment. Personal Umbrella insurance helps lessen your chances of being financially devastated if it happens to you. While regular auto and homeowner insurance can protect you and your family's liability in some cases, Personal Umbrella insurance spreads over and provides protection above the limits of the existing liability policies. If you are found to be legally responsible for injuring someone or damaging their property, for example, a Personal Umbrella policy will either pay the part of the claim in excess of the limits of your basic liability coverage, or pay for certain losses not covered by your basic personal liability insurance. Without a Personal Umbrella policy, anything beyond the liability coverage limits of your Homeowner or Auto insurance policy will have to come out of your own pockets. One of the greatest things about Personal Umbrella is that you get so much coverage for your money. Coverages start at $1 million, but you can go as high as $5 million. The total annual premium for a $1 million umbrella is very affordable. An accident could potentially exhaust your underlying coverage limits very quickly. With insurance so affordable, it just makes sense to be safe rather than sorry.
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Health & Short Term Care
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With the rising costs of health insurance many people have opted out of any coverage at all. This can be a costly mistake should you need medical care. We have a number of health plans available and can usually provide a significant cost savings. We would be happy to discuss your health insurance needs at any time. Please call us at 717-263-1752 and ask for our health specialist Roger Watson. If you would like a quick online health or short-term care quote you can use one of the following links.
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Top 10 Reasons NOT to Buy Disability Insurance
10. My spouse could go to work or get another job to replace my income. It's easy to get a job these days.
9. My kids could help by getting a paper route, work at a fast food restaurant or both.
8. My mortgage holder or landlord will understand that I cannot pay, and they will let me reside free until I can work again.
7. My county will not care if I cannot pay my property taxes.
6. Even if my car is repossessed, I can walk to wherever I need to go. Or, my neighbors and friends will not mind being a taxi.
5. Doctors took an oath to care for people, so they will not mind if I cannot pay them.
4. I pay taxes and it is easy to qualify for government disability payments.
3. I can live off my savings. Everyone typically has at least five years of income stashed away.
2. They have disability insurance at work and I am sure it does not need to be supplemented. I will always work there and my employer will always offer disability insurance as benefits.
1. I am 100% certain that I will never become disabled.