Is your PA Homeowners Insurance SPECIAL or BROAD?

Is your PA Homeowners Insurance SPECIAL or BROAD?

Do you have Special or Broad covered causes of loss for your Dwelling (Coverage A) on your PA homeowners insurance?  What about on your Personal Property (Coverage C)?   What’s the difference?  Why should I care?  Special Perils (also called comprehensive property coverage) commonly appears on most PA homeowners insurance for Coverage A – Dwellings (the structure of your […]

Five and a half insurance tips for First Time Home Buyers

Five and a half insurance tips for First Time Home Buyers

Buying your first home is an exciting time! Protecting your first home with a homeowners insurance policy presents a policy you’ve probably never encountered before. Here are five and a half insurance tips to help you understand your new risk management needs: Market Value and Replacement Cost are different ways of valuing your home, and they have absolutely […]

What’s the difference between a captive agent and an independent agent?

What’s the difference between a captive agent and an independent agent?

In this video I discuss the basic difference between a Captive Insurance Agent and an Independent Agent like Heritage Insurance Agency. Independent Agents represent a variety of insurance companies that provide a wide range of rates and product solutions.  Captive Agents are exactly that – captives to one insurance provider, and may only present the […]

Does my home policy include sinkhole insurance?

Does my home policy include sinkhole insurance?

Sinkholes Can Do Devastating Damage To Your Home – But does your home policy include sinkhole insurance?  A few years ago the ground literally opened up in Florida and swallowed a home. Tragically a young man was sleeping inside the home at the time. Pennsylvania doesn’t have the level of sinkhole activity that Florida experiences, but sinkholes definitely […]

I am starting a business, what business insurance do I need?

small-business-insurance-columbia-pa

Starting a new business can be an exhilarating and daunting time. Stepping out and offering a product or a service to the community brings a whole new world of opportunity, and risk. Commercial Property Insurance Commercial Property comes in a variety of shapes and sizes. Buildings, Business Personal Property (BPP), Personal Property of Others, Tools, […]

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