Common Umbrella Insurance Myths Revealed

Griffith Insurance LLP is an independent agency. We assist the West Chester, PA community by helping residents obtain the coverage to protect their assets. We have partnerships with several carriers throughout the East Coast. We are confident that we can help you find coverage that aligns with your situation.

Common Umbrella Insurance Myths Revealed

Sometimes accidents arise when you least expect them. Life is full of unpredictability. During these emergencies, it’s essential to have insurance in place. Umbrella insurance is a policy that you can lean on during troubling times. The policy is a form of supplemental coverage that you can add to your home or auto insurance policies. Umbrella insurance steps in if you are involved in a liability dispute. Perhaps you are late shoveling the snow at your West Chester, PA residence, and a guest slips and falls on your porch, breaking their hip. You may be liable for their injuries. Maybe you are texting on your phone one day, which takes your eyes off the road. You cause a serious collision resulting in multiple injuries. Umbrella insurance protects you in these situations by stepping in once you’ve reached your liability limits. Look over your policy carefully to avoid these umbrella insurance myths.

Umbrella Insurance Doesn’t Make Sense For Me.

All of your possessions hold value. If you were forced to handle the litigation process without the proper coverage, your entire livelihood could be at risk. Umbrella insurance helps you protect your assets.

My Liability Limits Are Enough

If your liability limit is lower than the total amount of your assets, you need more coverage. You want to avoid a situation where you could lose everything you’ve worked for.

Griffith Insurance LLP Helps You Protect Your Assets

Contact our office to learn more information about umbrella insurance.  

Safety tips for PA drivers

Griffith Insurance LLP is proud to be a part of the West Chester, PA business community. If you are interested in learning more about how to stay safe while driving, keep reading! We encourage all of our clients to follow safe driving practices year-round.

Follow these safety tips and stay safe!

Auto safety is everyone’s responsibility and something that every driver should take seriously. Here are a few tips to help you stay safe when out on the road:

  • Do not drive if you are intoxicated or excessively tired. We all know the dangers of DUIs and the consequences. As much attention should also be paid to avoid driving after drinking, while on prescription medications, or too tired to drive safely.
  • Keep an emergency kit in your car. Be sure to have a blanket, shovel, extra windshield fluid, and boots in your trunk.
  • Sign up for roadside assistance, or opt for an auto policy that includes that important feature.
  • Avoid distractions by putting your phone away while you are driving – even while stopped at red lights. It can wait!
  • Defensive driving lessons are another great way to improve your driving ability. Driving is a skill and one that can be improved upon.

These are just a few ways to stay safe while out on the roads. Our team is here to help you protect yourself, your vehicle, and your passengers with an auto policy that is right for you.

Visit your hometown insurance agency today

Griffith Insurance LLP is here to assist the residents of the West Chester, PA community with all of their insurance needs. If you need some help with your auto insurance policy, call or stop by our office today!

Why Your Business Needs Commercial Insurance in Pennsylvania

If you own a business in West Chester, PA, commercial insurance is an essential piece of your company’s ability to survive, thrive, grow, and expand in the coming years. The team at Griffith Insurance LLP is excited to share all about our commercial insurance options and what the coverage can offer your business to find prosperity and success. 

While Pennsylvania does require businesses to carry commercial insurance in order to legally do business in the state, the reasons for investing in a commercial insurance plan run much deeper than state requirements. Insurance protects your business from financial ruin, protects your assets in the event that they are damaged or stolen, protects your brick and mortar location in the event of weather damage or vandalism… and that’s just to name a few. 

Establishing a credible business takes time and effort, patience and money – the things you spend a lot of time nurturing deserve the best protection possible. Starting a business and making it a successful endeavor will be one of your life’s greatest accomplishments, and Griffith Insurance LLP would be honored to play a small part in your success. 

We know commercial insurance can be confusing and overwhelming, but our agents are here to help. We have years of experience working with businesses of all sizes in the area to find a policy that suits the needs of your business where it is now, while also allowing you to plan for future growth and success. 

If you need a quality insurance plan for your business that will properly protect your assets, employees, reputation, and financial freedom, contact us today. We’ll do our best to work alongside your company until all the boxes are checked. Contact us if you’re in West Chester, PA! 

Commercial Insurance for Traveling Shows: What You Need

Being a touring company is a fascinating field that can be very financially rewarding. However, Griffith Insurance LLP knows that West Chester, PA traveling shows need a lot of commercial insurance protection to stay safe. Here’s what you need to know about your options here.

Touring Professional Insurance 

If you’re part of a traveling show or a manager of one, you need to get insurance to help protect your investment. These policies bundle together multiple types of coverage options to make sure that everything is handled. Depending on your show, your protection needs will naturally vary. 

For example, do you have a lot of musical equipment that could be expensive to replace if stolen? This policy will have you covered. What about liability for your performers and guests? You can also get protection by adjusting your policy to meet these unique needs and demands. 

It can also protect your equipment for travelings, such as your trucks and trailers, though you may need specialized commercial insurance for some vehicles. Talk to your agent to learn more about what is covered and what is not, as this may vary based on your company and your needs. 

Just as importantly, this type of policy can help to keep your employees paid if you run into any loss of income situations. Did your gig get canceled, and do you still need to eat? Touring insurance may help you, as long as the funds are available, and you do not cause the loss of the gig. 

Get the Policy You Need 

If you’re a touring company that wants to protect itself from serious financial struggles, it is important to talk to us at Griffith Insurance LLP right away to learn more. Our team of professionals will do what they can to ensure that your West Chester, PA company remains solvent. 

What besides your home’s structure does home insurance cover?

Your homeowners’ insurance policy from Griffith Insurance LLP protects much more than just the structure of your home. The liability coverage extends to your trailer, recreational equipment like a trampoline, your swimming pool, boat, etc.

The liability coverage your home insurance provides for your home in West Chester, PA protects you from financial loss if someone has an accident at your home. Let’s say a visitor to your home slips on icy stairs. They break their arm. The liability component of your home policy pays for their medical costs as well as paying a settlement if they take you to court.

Your home insurance does the same thing if you take your boat to the lake and collide with another boat, causing injuries to another person. The same coverage applies if you have a pool party, and someone falls and hurts themselves. In fact, any recreational equipment you own gets the same coverage.

Your recreational equipment also gets damage coverage from your home insurance. That means that if the collision damaged your boat, then the home insurance pays for the damages up to the amount provided in your policy. This means actual cash value, replacement cost, or guaranteed replacement cost. Your policy will also contain a cap or maximum payout for your reimbursement on your West Chester, PA home.

Call or email Griffith Insurance LLP serving West Chester, PA for more information on home insurance and how to obtain this coverage. We can help you determine which value for your items to choose. While replacement and guaranteed values are most likely to pay for the full purchase of a new item, they cost more than the actual value coverage.

Who Needs Flood Insurance in West Chester, PA?

Since your typical home insurance doesn’t cover damage from floods, it’s a wise decision to consider flood insurance from Griffith Insurance LLP in West Chester, PA. But because nobody likes spending unnecessarily, you may ask: Do I really need flood insurance? But I live in an area outside a flood zone? If such questions are running through your mind, we are here to answer the question: Who needs flood insurance?

If you have a mortgage

While flood insurance isn’t mandatory in Pennsylvania, if you have a mortgage with a federal-regulated lender, they may insist you purchase flood insurance if your home is in a high-risk flood area. But even though you live outside the flood-risk zone, your lender may still require you to purchase flood insurance coverage. 

Every property isn’t safe from floods

While your property may be located outside the flood-risk area, it doesn’t mean it’s 100% safe from floods. Here are some facts:

  • About 20% of flood insurance claims come from homeowners living in moderate to low-risk areas
  • Floods are the number one disaster in America
  • In your 30-year mortgage period, you are likely to experience floods more than a fire
  • Just a one-inch rise in water level may lead to repairs of about $25,000

Because floods can strike anywhere and anytime, you require flood insurance to protect your building and the contents when floods happen. Besides, rains and hurricanes aren’t the only cause of flooding. Mudslides melts, winter storms and inefficient drainage systems may cause flooding.

If you need peace of mind

Because floods can occur anytime, you don’t have to keep worrying about the safety of your home and loved ones. Instead, purchase flood insurance, and you don’t have to live on the edge every time the weatherman mentions a looming storm. 

Would you like to protect your West Chester, PA home with flood insurance? Don’t hesitate to get in touch with Griffith Insurance LLP for a competitive quote.

4 Benefits of a West Chester, PA condo insurance policy

You’ve turned your condo into a home. You’ve done the hard work. Condo insurance will help you rest a little easier.

Whether you rent, lease or own a condo, it’s important to protect your investment. Many fall victim to the misconception that condo insurance isn’t essential. While it’s true your condo association has its own policy, this coverage is limited and often only includes the building’s structure.

Don’t get stuck with inadequate protection. Griffith Insurance LLP can help make sure you’re prepared. Serving West Chester, PA, the agency shares four reasons why having condo insurance should be at the top of your to-do list.

Insures the interior

When you own a condo, the inside isn’t part of your building’s master policy. Dwelling protection extends to anything on the interior you are responsible for. Be sure to choose the proper coverage. Refer to your association agreement to narrow down what specific areas value under your jurisdiction.

Offers liability coverage

If someone is injured on your property, liability protection has you covered. This includes any property damage or claims caused by you, your family, or your guests.

Safeguards personal possessions

Condo insurance will cover replacement costs if your personal items are damaged, destroyed, or stolen. Check to make sure water and fire damage are in your plan as well.

Protects against loss of use

If a catastrophic event or natural disaster does occur, you may be forced to temporarily relocate. Condo insurance will reimburse you for these additional living expenses as you stay somewhere else.

Contact a West Chester, PA agent

If you live in a condo near West Chester, PA, call Griffith Insurance LLP. In addition to providing affordable coverage options, their experts can find a personalized condo insurance policy that best meets your needs.

Pennsylvania RV Insurance: Road Safety Tips for Motorhome Drivers

When you have a motorhome in Pennsylvania, you want to enjoy every minute with it. Planning your journeys and going on trips, it’s all an adventure for you. Even so, no RV planning mission is complete without a little of stress when it comes to preparing for all the potential problems you could face on the roads.

At Griffith Insurance LLP, we want West Chester, PA RV owners to be prepared before they gas up for the summer. Follow these road safety trips for motorhome drivers, and get a little closer to the stress-free vacation of your dreams.

Avoid Speeding

When you have a motorhome, it is not your everyday use vehicle. The next time you get behind the wheel it may have been a long time since you were behind the wheel of your RV. 

Avoid speeding when you are on your road trip. Remember that your RV has a long braking distance that is much different from that in your car.

Know Your Height

Know the height of your vehicle before you get on the roads. Do your research before you go to look for any bridges or obstructions that you may be driving through.

You want to know how to plan your route here. Getting a GPS for the trip or installing one onto your smartphone will be helpful. You want to spot any height obstructions before you hit that section of the highway.

Don’t Drive in Wind

Driving in wind is especially dangerous for motorhome drivers. You have a large surface area to work with, and you won’t know how to correct the RV when a gust hits you, the same way you do in the car.

The safest thing to do here is to avoid driving in the wind. Always check your weather before you get behind the wheel. Distribute the weight in the RV evenly before you drive.

Get Roadside Assistance

Before you leave, check your Pennsylvania RV insurance policy and get roadside assistance added to it. At Griffith Insurance LLP, we want West Chester, PA RV owners to worry less when they are on the roads. Call us for a quote today.

How Does Renters’ Insurance Work?

Renting your home comes with a lot of things to take care of. One of these is to have renters’ insurance in place for as long as you live there. It’s not a good idea to go even a day without this insurance, and it protects you in many different ways. If you need renters’ insurance, call us at Griffith Insurance LLP in West Chester, PA. 

Cover Your Possessions

We all work hard to afford our possessions, so it’s a good idea to insure them. If you rent your home, all or most of your possessions are likely in that home. With renters’ insurance, your policy will help to pay for what you lost after a serious incident such as a calamity or disaster. Without this coverage, you would be on your own to replace everything. 

Protect Your Finances

Another way that renters’ insurance protects you is that it can protect you from certain lawsuits. If you have a third party inside your home, and they have an accident or get sick while there, you can be found to be liable for their medical bills. With renters’ insurance, the policy can pay those medical bills instead of you. This is a very useful coverage that can protect your finances from these medical bills. 

Get Coverage for Your Lifestyles

When you have renters’ insurance, it can protect you from having to live somewhere that has become uninhabitable. If a disaster or accident were to severely damage your rental home, you won’t have to stay there when you have renters’ insurance. If you live in a place that is declared uninhabitable, your renters’ policy will pay for you to move elsewhere and live somewhere else until repairs are made. 

Get Your Renters’ Policy

If you need renters’ insurance, contact us today at Griffith Insurance LLP in West Chester, PA.

Should I get life insurance in West Chester?

People that are in the West Chester, PA area need to understand and evaluate their personal insurance needs and options. A form of coverage that is ideal for many in this area is life insurance. There continue to be a variety of reasons for the typical person here to get a life insurance plan. 

Provide Financial Protection

A reason that people here will need to get a life insurance plan is so they can provide financial protection to those that they care about. When you get a life insurance policy, you are able to build and size it based on the financial needs of those that rely on you and your income. This can ensure that they will be cared for even if you were to pass away. 

Alternative Investment Option

Another advantage that people can enjoy when getting life insurance is that it is a good investment alternative. One popular form of life insurance coverage is a whole life insurance plan. This is a unique form of life insurance that will allow you to contribute some of your monthly payment into an account that builds with interest. It offers a low-risk option, which can make it a good addition to your investment plan. 

As you are looking for a life insurance plan in the West Chester, PA area, there are a lot of choices that will need to be made. If you are looking for a life insurance plan in this area, Griffith Insurance LLP can offer the support that is needed to build and choose a new plan. Griffith Insurance LLP is able to do this by helping you assess your needs and explaining all options. This will ensure you are able to build a plan that is ideal for your situation.