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

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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?

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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

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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

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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?

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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?

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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. 

4 Benefits of Pennsylvania Motorcycle Insurance

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Cruising along the Pennsylvania open roads with your bike is what life is all about: the adrenaline rush, the rumble of your engine, and the wind blowing your face. Riding a motorcycle is something that words can’t aptly describe. However, while immersed in the biking world, one thing you don’t need to forget about is motorcycle insurance. When you purchase motorcycle insurance from Griffith Insurance LLP of West Chester, PA, you will enjoy the below benefits.

Compliance with the law

A motorcycle isn’t only compulsory, but you are also required to carry the below minimum liability coverages by the Pennsylvania State:

  • Bodily injury liability: Covers medical costs for injuries you cause to others in an accident. The required minimum is $15,000 per person and doubles the amount for accidents involving multiple persons.
  • Property damage liability: Covers property damage to other people. The state-required minimum is $5,000. 

Asset protection

The world of bikes has unlimited possibilities. Depending on what you intend to utilize your bike, it can cost you thousands of dollars. But whether your bike is expensive or modest, you need motorcycle insurance to protect your investment from loss or damage when disaster strikes. Motorcycle insurance pays for repairs and replaces your bike in case of total loss. 

Liability protection

Just like your vehicle or boat, accidents are never far from your bike. You could hit a pedestrian, or you could collide with another motorist. Without motorcycle insurance, you could be faced with out-of-pocket property damage and bodily injury liabilities. Worse yet, you could face legal suits if the aggrieved party sues you. 

Peace of mind

Whether riding your bike for fun or running errands, you don’t want to clog your mind with what would happen after an accident. Purchasing motorcycle insurance offers you inner peace, knowing that damages and bodily injuries are taken care of. 

Buy motorcycle insurance today!

Are you shopping for motorcycle insurance in West Chester, PA? Please look no further than Griffith Insurance LLP. Contact us today for an affordable quote. 

What Is Boat Insurance And What Does It Cover?

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Boat insurance offers coverage to a sailboat, motorboat, or personal watercraft if it is stolen or damaged by a covered peril stated in your policy document. Boat insurance is not mandatory in Pennsylvania but acquiring boat insurance is paramount when exploring Pennsylvanian waters. 

You will enjoy the water, even more when you are not worried about the safety of yourself, your passengers, or your precious investment. West Chester, PA residents enjoy boating escapades throughout the region. As such, several residents have invested significantly in their watercraft vessels, thus requiring splendid protection for their investment and money with a spectacular boat insurance policy.

Types of boat insurance

Alertness in water is a paramount survival tactic as far as boating escapades are concerned. Regrettably, the aftermath of even a tiny lapse in judgment can result in a boat accident. As a matter of fact, statistics reveal that about 86 boating-related accidents in Pennsylvania do happen each year.

Fortunately, when you obtain boat insurance from Griffith Insurance LLP, the below options give you optimal coverage in and out of the waters.

  • Uninsured or under-insured boater liability: This policy protects you and anyone else using your watercraft for bodily injury and property damage caused by another boater who is inadequately insured or uninsured.
  • Equipment coverage: Some policies will accord you room to add coverage for special equipment such as high-valued fishing gadgets.
  • Disablement coverage: This coverage will cater to the costs of towing and conducting certain repairs if your watercraft becomes disabled.
  • Property damage liability: This policy safeguards against damage you may inflict on a third party’s property.
  • Medical payments coverage: This policy provides medical expenses such as hospital bills and medication arising from an accident and you or your crew is injured.

Make sure that your watercraft vessel is covered in West Chester, PA! Contact us or visit our Griffith Insurance LLP offices and get detailed information about boat insurance.

 

Basic Facts To Consider While Researching Umbrella Insurance

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Griffith Insurance LLP provides coverage to the West Chester, PA community. We offer our clients multiple types of policies. We strive to ensure that our clients find the coverage they need to protect their most valuable assets. For over 20 years, we have served as a local independent insurance agency.

Basic Facts To Consider While Researching Umbrella Insurance

Umbrella insurance is a valuable asset because it allows you to have an extra protection layer when you need it most. Accidents can happen at any time. If you are held liable for a serious accident, your assets could be at risk. Your traditional liability coverage may not be enough to support you if you are involved in a liability dispute. Umbrella insurance can help you navigate the process and ensure that your most important assets will not be at risk of being taken from you during litigation. Here is a look at some basic umbrella insurance facts.

Umbrella Insurance Is Supplemental Coverage

Remember that umbrella insurance is supplemental coverage. It is not intended to be used as a stand-alone policy. If someone gets injured at your West Chester, PA residence, your traditional liability coverage will kick in initially. If things escalate, you can rely on umbrella insurance to help you protect your assets.

Umbrella Insurance Assists You In Non-Traditional Ways

Many people use umbrella insurance to protect themselves during a home or auto liability dispute. However, umbrella insurance can also protect you if you face allegations of slander or defamation of character. Umbrella insurance is a versatile form of coverage.

Griffith Insurance LLP Will Help You Protect What Matters Most

Visit our website to learn more information about umbrella insurance.

What Typically Happens After You File an Auto Insurance Claim?

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After a car accident, it is normal to feel anxious about the next steps. However, our team at Griffith Insurance LLP wants to make the process a little easier for our policyholders in West Chester, PA.

When the moment has calmed down, the first step is to call us and find out how to file a claim with your carrier. From there, we’ve put together this list of next steps to be aware of. Keep reading to learn more.

Common Next Steps After Filing an Auto Insurance Claim

While each auto insurance company does things a little differently, most follow the same path. The most common next steps after filing a car accident claim include:

  • Your adjuster discusses coverages and the status of the claim. They will tell you what your deductibles are, who is at-fault for the accident, and other pertinent information. If you’re the one liable, they’ll also go over what coverage you have to take care of the other person.
  • You’ll meet with an auto damage adjuster to inspect your vehicle. Sometimes this is a situation where they want you to get estimates from a body shop, but most often, they’ll send a claims employee out to document the damage and write an estimate.
  • A check is issued for repairs. This is when a check is issued for repairs. If you have a lien on the car, it gets a little more complicated. But you’ll be expected to take the car in to get fixed as soon as possible.
  • You pay your deductible directly to the body shop. The check you received from the insurance company should have that figure already subtracted. That’s why you pay it directly to the body shop when repairs are complete.

Having Quality Auto Insurance Coverage Matters

Having adequate auto insurance coverage is an important part of staying legal on the streets of West Chester, PA. If you’re ready to find the right policy for your needs, please contact us at Griffith Insurance LLP today.