Temperatures and feels like temperatures are up this weekend. Don’t forget to celebrate National Ice Cream day on July 21st. Remember to wear light clothes and drink plenty of fluids. Limit alcoholic drinks which can dehydrate you. Avoiding strenuous activities outside is also a good idea. Staying indoors is a good idea, if your house doesn’t have air condition take the time to visit the mall or movie theater where there is air conditioning. If you stay at home, lower blinds. Avoid getting sunburned as well, as burned skin can inhibit your bodies ability to cool down. Don’t forget about your pets either, make sure they have plenty of water and never leave them in closed up vehicles. If you do get a heat related illness get inside, drink water and possibly seek medical attention
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Just as our name implies, our vast experience with various insurance companies and our care of the Pittsburgh market, allows our consultants (our agents) to better serve you than your traditional insurance agency. We are small and intimate enough to know your pain points and strive to be available when you need us most. You can relax knowing that your assigned consultant is constantly scanning the market to find the best deal and insurance package for our unique needs.
Summer vacation season is in full swing. Are you taking a long drive to a destination the second half of summer? According to Liberty Mutual Insurance’s New Beginnings Report, nearly half of Americans don’t check that proper emergency items are in their car. We have a previous blog entry for you with ideas on what to keep in your emergency kit. After you have your emergency kit make sure you are ready to drive with little or no distractions. Make sure your GPS is loaded and your phone is down and put on driving mode. As for the car, if your car has been inspected recently you should be good to go. If your inspection was a few months ago, make sure you check your tires. Check tire wear and pressure. The penny test is a good way to determine if you need new tires. Also make sure you are set at your tires recommended pressure. Don’t forget to check your cars fluids as well. Checking your oil, coolant, transmission fluid and windshield wiper fluid can help save you an emergency later. If you have jumper cables make sure they are packed along with your phone car charger and a flashlight. It is also a good idea to charge your cell phone prior to leaving. Buckle up and have a good trip. Don’t forget to avoid distracted driving and share the road. Have a good trip and a great summer.
We want to wish everyone a happy Fourth of July. We hope that everyone has a safe and fun holiday. A reminder that we will be closed on the 4th and 5th so that our employees can enjoy the holiday with their families.
We will be closed on July 4th and 5th so that our employees can enjoy the holiday with their families. We will reopen on July 8th at 8:30 am. Check out our claims info tab if you have an accident. You can email us as well and we will try and get back to you quickly.
The fourth of July is a popular holiday for many reasons. The Fourth of July can also be a nightmare for your insurance company. This holiday brings with it the possibility of drunk driving from over enthusiastic celebrators to boating accidents cause by drinking as well as an increased number of boaters. One holiday accident that is associated with the fourth is fireworks accidents. According to the website quotewizard.com the following accidents can happen, 18,500 fires per year started by fireworks, 1,300 structure fires and 300 vehicle fires, $43 million in property damage, and 12,900 people in 2017 treated for injuries related to fireworks, with 36% of those being children. When it comes to children one of the major culprits is metal sparklers. According to riskandinsurance.com the metal sparklers could be as hot as 2,000 degrees Fahrenheit. This can lead to burns or possibly a fire. When it comes to fireworks it is best to leave those to the professionals. If you are having your own fireworks display remember to keep it safe. Riskandinsurance.com states you should have a bucket of water available, a hose available, and have a designated firework area which is away from combustible materials, homes, dry leaves and trees. If you are serving food also make sure to observe food and grill safety rules. Mayonnaise based side dishes should not be left out for more than two hours and preferably kept on ice. All meats should be cooked to the proper temperature to avoid illnesses like Salmonella and E. Coli. While grilling never leave your grill unattended. Also make sure that you have cleaned your grill properly. Dirty grills can lead to fires. Enjoy the Fourth of July but keep an eye on your safety and the safety of your guest. Follow us on social media, at Twitter and Facebook for other Fourth of July tips.
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Self-driving cars are a cool concept. You get in your car, plug in where you are going and away you go. In theory a self-driving car could be safer. Human error, drunk driving, and distracted driving could potentially all be eliminated. This could lead to a safer roadway. According to the Insurance Institute for Highway Safety, the thought is that by 2025 there will be 3.5 million self-driving cars on the road. It is cautioned though that these cars will not be fully autonomous but will have certain conditions in which they will operate autonomously. A FYI PA is one of the states with enacted legislation for autonomous cars. What does this mean for you and for your insurance? For one autonomous cars are not without flaws. In July 2016 a Tesla Model S was involved in a fatal accident, and again in 2018 a self-driving car killed a drive when it struck a median. This can create a confusing situation for insurance companies when determining who is at fault. Is it the car manufacturer? The software company? The driver? This could throw insurance rates into flux as companies try to grip how to charge customers. Recent problems with self-driving cars could push the timeframe down the road, but they will be here soon. Would you ride in a self-driving car? What do you think about self-driving cars?
Memorial Day has passed and the official start to summer is in two weeks. Summer road trips and vacations can mean loading up the car and taking off. Few things can derail a summer trip faster than car troubles. One problem that can show up when the temperatures raises is a dead car battery. According to AAA Exchange it is a good idea to replace a car battery that is over three years old. While you are under the hood check your fluids. Your coolant being low could lead to a summer driving issue. Make sure coolant is at the correct level, and don’t forget to never remove a hot coolant cap. Be sure to check your tires also. According to autotrader.com be sure to check your tire pressures, and tire wear. Keep a can of fix a flat in the car as well, that could come in handy during a flat. It is also a good idea to keep a survival kit in your car. Don’t forget to include water, a first aid kit, phone charger, snacks, sunscreen, emergency blanket, multi-tool, jumper cables, fuses, duct tape, rag and gloves. Remember to stay alert and stay safe on the roads this summer.
Jet-ski’s, boats, motorcycles, and ATV’s can all mean that summer is here. All of these vehicles can be great ways to get outside and enjoy the warm weather that summer provides. Did you know that we offer coverage for your summer toys? We can help you insure your boat, jet-ski, ATV and more. You can add full coverage to your toys as well so you can repurchase one in the event of an accident. Give us a call today at 412-344-2800 and let us help you find the right coverage for the right price for your toys.
CTE stands for Chronic Traumatic Encephalopathy. Typically this is a brain disorder caused by repeated blows or trauma to the head (https://www.alz.org/alzheimers-dementia/what-is-dementia/related_conditions/chronic-traumatic-encephalopathy-(cte). CTE is currently a trending topic due to lawsuits filed against football leagues. What could this possibly have to do with car insurance? CTE could be the reason why you need to re-evaluate your limits on auto insurance. Some literature list car accidents as a possible cause for CTE, at the very least Traumatic Brain Injury can be traced to car accidents. What this means for you as an auto insurance policy holder is that if you are at fault for an accident involving a head injury, the injured party could come after you claiming Traumatic Brain Injury or CTE. TBI and CTE could result in increasing claim payouts for auto accidents involving head trauma. Being That CTE and TBI are fairly new issues facing the auto insurance industry we do not have a lot of data yet on exactly how this could affect claim payouts. It might be time to have a discussion with us about your liability limits and your auto insurance policy. You can reach out to us using the buttons for social media or give us a call at 412-344-2800. Together we can navigate the changing world of insurance.
The middle of May can be an exciting time for parents with kids in college or high school. For parents of high school seniors it is the exciting of graduation and possibly college. For the parents of college students it could mean another year in the books or college graduation. One thing that both High School and College parents might have in common is the cost of college. College costs continue to rise and that can put a burden on students after graduation. Loans are typically taken out to help cover the cost of tuition. Many times students are unable to be the sole signer on these loans and a parent cosigns on the loan. Being a cosigner on a loan is a great way to help your prospective student out, but it comes with a risk. If that student were to die you could be on the hook for the balance of the loans. One way to help protect you from this is with life insurance. A term life insurance policy could help you by giving you a payout in the event of the person you cosigned for passing. This could help keep a tragic situation from getting worse. In some cases a life insurance policy can give you a discount on your home and auto insurance. Contact us today at 412-344-2800 or click one of the buttons to connect with us on social media. Let us help you figure out your life insurance needs.
You may be shopping your homeowners insurance now, or you may have shopped your insurance in the past. During that process one of the major items that need to be discussed is your dwelling value. When you looked at the quote what did the dwelling limit say? Did it say actual cash value, or replacement cost. Was that number at 100% of your replacement cost estimator or was the value below that? Picking the proper dwelling limit is very important for you the policy holder. Picking the wrong valuation amount could mean that you get a percentage of what it actually cost to fix your home. Actual cash value is one type of valuation that could impact you in the event of a claim. An actual cash value policy subjects you to depreciation for your home that you would typically not be subject to on replacement cost. Another valuation method is replacement cost. This valuation is just what it sounds like, it is for the cost to replace or repair your home in the event of a claim. Replacement cost is a good place to start but it can be done incorrectly and affect you the client. One other thing to look for is if the replacement cost has a cap. Some homeowners policies come with a cap over replacement cost, 10, 15, or 25% are common caps with some companies offer guaranteed replacement cost. What this means to you the customer is that cap number is the most amount over the dwelling number your policy will pay in the event a claim exceeds your dwelling limit. This gap amount is for your protection and should be used if your dwelling rebuild out paces inflation or you do a home improvement project that adds value to your home and you do not notify (or forget to notify) your agent to make a policy change. This increased limit should not be used to insure your home for an incorrect value to obtain a lower premium. This practice could set you up for not receiving the proper valuation in the event of a claim. Your homeowner’s policy protects one of your biggest assets, it is important it is insured properly. Give us a call to discuss if your homeowners policy properly covers your home and to see if we can find you the right coverage, at the right price.
Warm weather is here, and with it comes grilling season. Grilling can be a great way to cook food and socialize with friends and family. Grilling can also be dangerous. Check out the links below for some grilling safety tips.
Easter will be here on Sunday. Easter has a lot in common with items in your home owners policy. Take the Easter Bunny for example, no one knows how he gets into your home but he does. What if instead of leaving eggs and baskets, he takes your stuff and causes damage to your home? How would you be compensated for the damage caused by the Easter Bunny. Your homeowners policy could, your homeowners policy could cover your dwelling and your personal property under coverage A and B. Easter Egg Hunts are another Easter Tradition. This tradition can also make you think about your homeowners policy. Many kids covet brightly colored eggs. These eggs can be very valuable to kids. What about your valuable stuff? Do you have jewelry, silverware or other valuable or collectible items. If so do you have an inland marine policy or inland marine endorsement on your homeowners policy? Many homeowners policies have a sub-limit for collectibles and jewelry. Scheduling these items can give you the coverage you need. Another Easter Egg item is liability. Imagine having all of the neighborhood over for an Easter Egg Hunt. During the activity one of the kids slips and falls getting injured. Your liability coverage would be your protection in the case of a lawsuit. A severe injury though could require an umbrella which provides additional liability protection. Enjoy the Easter holiday, but use the time right after to think if you are properly covered for your life. Give us a call and we can help you through this process.
We will be closed on April 19th so that our employees can spend the holiday with their families.
In the saying April Showers bring May flowers, but in real life April Showers can bring flooding. Flooding can be a huge issue for us around the Pittsburgh area. Last year flooding plagued the area and caused significant damage. We wanted to take this time to remind you that flooding is typically not included on your policy. Flood coverage is typically written on a flood policy and backed by FEMA. According to the National Flood Insurance Program, a flood is a “general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties”. One thing to keep in mind with that definition and with your insurance policy is that surface water is considered a flood. Based on surface water causing the damage, this event would be considered a flood and not subject to insurance unless a flood policy is in force. If you live in a flood zone typically you would have a flood policy as it would most likely be required for your closing. If you do not live in a flood zone you can still purchase flood insurance, it is typically cheaper being in a non-flood zone. Some private carriers have started to write flood insurance on a commercial policy along with a select few personal lines companies. As always reach out to us if you have questions and let us verify that you are insured properly.
Spring is officially here this week. Spring brings thoughts of renewal and spring projects meant to get your home and car in shape after a long winter. Spring can also be the time of year to evaluate your financial wellness. One way to look at financial wellness is to ask the question what would happen if I died. How would that event impact your loved ones? What if one of your loved ones died? How would that impact you? The loss of an income can be a significant factor in your family’s well-being. Life insurance can help you and your family keep your financial freedom. There are three main types of life insurance, Term, Universal, and Whole-Life. Each product offers unique features. Life insurance can give you just a death benefit or it can give you cash value in an investment vehicle. Give us a call at 412-344-2800 to see what life insurance policy fits your life better. Remember life insurance is cheaper when you are younger, and you could get a discount on your home and auto policies.
St. Patrick’s day is here on Sunday. Every year people celebrate the day when everyone is Irish. Celebrations mean different things to different people, but for some those celebrations involve parties and alcohol. What does that have to do with National Umbrella month? We might be using National Umbrella Month wrong, it is supposed to be for the umbrella that protects you from rain, but let’s talk about the umbrella that protects you from life? How this umbrella protects you on St. Patrick’s day is by giving you extra liability coverage if someone slips and falls at your house or has some kind of accident. An umbrella policy sits on top of your home and auto policy and gives you a limit of liability higher than your auto and home. Most umbrella’s start at 1 million in coverage and could be key to your financial future if you are sued. An umbrella could be the difference between losing your house and keeping what you have worked hard to obtain. Umbrella’s are typically a cost effective policy. Premiums can be in the 150 to 500 range. This St Patrick’s Day enjoy the day and the celebration. Rest easy knowing that if the worst happens your umbrella has you covered from the storm.
March starts the count down to Spring. Spring will be here in the next couple of weeks, even if it won’t look like it this weekend. March is National Nutrition Month, Employee Spirit Month, and National Red Cross Month. March also has some insurance related topics, it is National Umbrella Month and Flood Awareness Week. Finally don’t forget to support your favorite small business on March 29th, which is National Mom and Pops Business Owners Day. St Patrick’s Day is one of the best known days of the month. During the month of March on our blog we will look at umbrella’s, St Patrick’s Day, and how to Spring clean some of the area’s of your home and auto.
As Insure Your Love Month continues we want to bring up a life insurance need that many people do not think about when discussing life insurance. That situation is being a co-signer on a loan for someone. That loan could be a car loan, a mortgage, or a college loan. Co-signing on someones loan could put you on the hook for paying that loan in the event of a death. Many parents are co-signers on student loans for their children. Federal loans offer a built-in protection, however private loans do not according to smartasset.com. Typically term life insurance could be a solution. Term life insurance is usually very cost effective for a younger person. A life insurance policy could help you offset most or all of the debt that a student loan could bring you in the event of your child’s death. Call us at 412-344-2800 to discuss if this could be a solution for you. You can also click the links in the upper corner to contact us.