Tips for making your home a safer place

Feeling safe in your home is so important. Many different factors contribute to home safety. You can’t anticipate every safety issue but you can do some things to make sure that your home is as safe as possible. At Weber Insurance in Hanover, PA, we have more than 80 years of experience and we use that experience to provide our customers with the honesty and quality of service they deserve. 

Tips for making your home a safer place

Safety begins with making sure the environment inside your home is safe. That means making sure your smoke detectors are operating and, depending on the type of heating system, you have carbon dioxide detectors as well. Back-up batteries need to be changed every six months and the units need to be tested to make sure they are operating correctly. 

Trips, slips, and falls are some of the biggest dangers in homes. This means keeping walkways within the home safe and clear of items that can cause falls. Never pile or store things on the stairs. Use a slip-proof mat in the tub and shower and be sure to tack down throw rugs. Don’t run electrical or extension cords where they can cause an accident. 

Fires are another danger in your home. Have your furnace cleaned every year and if you use your fireplace, have your chimney cleaned as well. Have a home fire extinguisher in the home just in case. 

To keep your home safe from dangers outside the home, install a home alarm system, good locks on doors and windows, and use them. Get motion detector lights outside your doors and your garage. A doorbell camera is an easy way to identify who is at your door. 

Call Weber Insurance in Hanover, PA to get the service that only a local independent insurance agency can provide. 

Coverage that renters insurance provides

At Weber Insurance in Hanover, PA, we understand that renters need to protect themselves from all the hazards that can damage their rental. Only 40% of renters have insurance, which is pretty scary if you realize that you are in danger of losing just about everything that you own. We would like to sit down and discuss the benefits of this essential insurance with you so that you can protect yourself and your assets. 

You may believe that your landlord has insurance that protects you. That is not true. What landlords protect is their property, which is the building itself. What belongs to you and is in your unit is not their responsibility. 

Renters insurance offers much of the same coverage that home insurance does. It covers your content, gives you liability protection, and provides loss of use coverage. All of these are very important. 

Content Coverage

All of your possessions, clothing, electronics, furniture, and more will be covered both in your rental and when you are away from home with them. You have two options; current value and replacement. Replacement is what it costs to get something you lost today, and current value includes depreciation.

Liability

If someone is injured when they visit you, you will have the coverage to pay for any medical care they need, and if they sue you it can help with that too. It will even cover a furry friend if they bite someone. 

Loss of use

If your rental is damaged so severely that you can’t live in it, this coverage will provide the money you need to get a rental and to be able to eat out while you don’t have a place to cook. 

Contact Weber Insurance in Hanover, PA to get the information you need to decide on rental coverage.

What First Time Homebuyers Need To Know About Insurance

Buying your first house is an exciting time. In order to best protect this big investment you have made, you will need a solid home insurance policy in place. At Weber Insurance, we provide our clients with solid insurance information so that they can make confident insurance choices. Keep reading to learn more about home insurance in Hanover, PA and the surrounding areas. 

Home Owner’s Insurance Is A Necessity 

The only way to fully protect this new investment you have made is with a home insurance policy. If your home is under a mortgage, you will probably be required by the mortgage company to have insurance in place. Even if this is not a requirement for you, though, a home insurance policy will protect you from devastating expenses if your home is damaged or destroyed. 

Home Insurance Coverage

You can customize your home insurance policy to meet your particular needs, but in general, a home insurance policy will provide coverage in the following areas:

  • Property damage- If the home is damaged or lost due to fire, natural disaster, or burglary, the policy will pay you for repairs or replacement of your home. 
  • Liability- If someone is injured at your home or on your property, your policy will cover any medical or legal expenses that may result. If you do not have liability coverage, you will be held liable for these expenses. 

Flood Insurance Is Not Usually Included

First-time homebuyers should be aware that flood insurance is not usually included in a normal home insurance policy. You will need to speak with an insurance representative about this type of coverage. 

If you would like to learn more about home insurance or any of our other insurance services, please contact us at Weber Insurance serving Hanover, PA and the surrounding areas. 

How Life Changes Can Affect Auto Insurance

Auto insurance is a unique type of monthly expense. Not only are you required to carry this expense by your state government, but there are many different factors that can affect how much you pay. At Weber Insurance serving Hanover, PA and the surrounding areas, we want to help you make the best insurance choices, by providing you with solid information and great insurance services. Keep reading to learn how life events can affect your auto insurance. 

Getting Married

Getting married brings many different changes into your life and changes to your auto insurance is one of them. Many insurance companies offer discounts to married couples who choose to bundle two policies together. Before choosing to do this, however, be sure to talk with your spouse about their driving record. A bad driving record may not help your insurance rates and in some cases, it is better to keep separate policies. 

Growing Older

As you grow older, you will find that insurance rates will change. In your 30s, you will notice that insurance rates start to come down from where they were in your 20s. In your 50s and 60s, however, rates can sometimes start to creep back up again. Be sure to keep a clean driving record to keep these changes to a minimum. 

Adding Teen Drivers

When your children turn into teenagers and start driving, you will see changes to your car insurance. It is important to add your teen drivers to your policy as soon as possible if they are going to be driving your vehicles. You can help decrease insurance rates by having your teens take driver’s education courses or defensive driving courses. 

If you would like to learn more about auto insurance or any of our other services, please contact us at Weber Insurance, serving Hanover, PA and the surrounding areas. 

Is renters insurance a necessity?

Acquisition of solidified insurance is a prudent idea even if your landlord doesn’t require it. It’s therefore instrumental for anyone desiring to rent any residence in Hanover, PA either an apartment or single-family home should weigh in buying a renters’ insurance policy. Regrettably, most Hanover, PA residents view renters insurance as an invaluable tool to safeguard a tenant against unexpected uncertainties.

Renters insurance is only mandatory if your landlord or management requires you to own one. Are you aware that your landlord is not financially liable after your personal property gets ravaged by perils like fire or theft in case of a disaster? It’s prudent to buy renters insurance which provides liability, personal property and additional living coverages which comes in and mitigate any financial impact emanating from unfortunate events that ravage your personal belongings. Don’t hesitate to contact our dedicated agents at Weber Insurance and get magnificent renters insurance that suits your needs and budget. Keep reading to establish why renters insurance is of absolute necessity.

It’s advisable for any tenants in Hanover, PA to purchase renters insurance because it’s a worthwhile asset that harbors the following benefits:

Medical protection

This policy reimburses for reasonable medical costs for any guests for someone who sustains an injury in your residence.

Liability protection

This policy safeguards you against the legal fees or lawsuits filed emanating from your responsibility for medical expenses and lost income if a guest gets injured on your premises. This policy salvages you by paying overall costs out-of-pocket.

Safeguards personal property

 Buying personal property coverage in Hanover PA is pivotal because it safeguards your possessions such as electronics, clothing and furniture from imminent perils like theft and hailstorm as it caters to the cost of repair or replacement up to your policy limits.

Provision of additional living expenses: If your apartment becomes uninhabitable after being affected by a covered event, loss of use coverage kicks in and covers other expenses like hotel bills and accommodation while residing elsewhere and your home is being replaced or rebuilt.

Did you know that many Hanover, PA residents distance themselves from buying renters’ insurance with a misconception that their valuables aren’t enough for coverage? Get renters insurance as soon as possible! Please contact or visit us at Weber Insurance today and get a competitive renters’ insurance quote.

Should I get auto insurance in Hanover?

Those that are in the Hanover, PA area are going to want to own a car to ensure they can get around their community. If you are looking for a new car here, getting the right insurance is also important. You should get an auto insurance plan in this area for a few reasons, which will keep you in good standing and properly protect your important asset. 

Maintain Legal Compliance

An important reason to get an auto insurance plan is so you can maintain legal compliance. If you are going to drive a car in this state, you will always need to have liability insurance. This coverage ensures you can pay for damages that may be caused by an accident. If you are not carrying this coverage, you will be out of compliance with the law, and you could face various fines and other penalties. 

Cover Vehicle

One of the reasons that you should get this support is because it can cover your vehicle. If you intend to drive a car, it is something that you will rely on. Due to this, you will want to know that your asset is protected. If you get a full auto plan, it can include collision and comprehensive insurance. This support will provide you with the resources needed to replace or repair your vehicle if certain losses are incurred. 

People that are in the Hanover, PA area will need to make sure that they are always properly insured. This includes getting the right auto coverage. As you are looking for support here, calling Weber Insurance is helpful. The professionals with Weber Insurance understand the laws surrounding auto protection and can help you build a plan that will keep you in legal compliance and properly protect your vehicle. 

Is Home Insurance Required in Pennsylvania?

Homeowners in Hanover, PA and the surrounding areas know what a monumental accomplishment it is to buy your dream home and settle down in Pennsylvania. With homeownership comes many responsibilities that are essential to staying on top of to ensure your home stays in great condition as the years go by. The Weber Insurance team is a great option for home insurance in Pennsylvania and we service many residents here. 

While the state of Pennsylvania specifically does not require home insurance, there are many other reasons you should invest in it. For one, if you worked with a lender to secure a mortgage on your home, it’s highly likely that the lender requires you to maintain home insurance to protect their investment in you. 

Besides the rules and other technicalities, home insurance provides more peace of mind than anything else when it comes to keeping your greatest asset and your family safe and secure. 

Standard insurance policies in Pennsylvania typically include coverage for rebuilding or repairing your home if it is damaged in a fire, from a natural disaster or weather occurrence, theft, or vandalism. 

Liability coverage can cover you in the event that any guest staying at or visiting your home becomes injured on your property. This can cover medical bills and other hospital-related expenses. 

There are many other coverage options for other things, like your expensive valuables, or if you want additional coverage because you have a swimming pool or trampoline, or to protect other structures on your property. 

The team at Weber Insurance is happy to break down the costs and help you select a home insurance policy that suits your lifestyle and needs here in Hanover, PA. Contact us today and we’ll be happy to help! 

Should all Pennsylvania businesses get commercial insurance?

Businesses in the state of Hanover, PA area are going to continue to have a lot of opportunities for success. Those that operate a company in this region will find there is a lot of consumer demand and support for local businesses. As you are looking to build a company here, getting the proper insurance continues to be helpful. There are a few reasons businesses here should get this coverage.

Receive Great Support for Business

The primary reason that a business will want to get coverage is that it will receive great support with its insurance plan. A commercial insurance policy offers many advantages that make it well worth the investment. With the right coverage, you can offset your business liability risk and protect company assets. Ultimately, the coverage can help you stay solvent and reduce stress when going through otherwise difficult situations. 

Insurance is a Requirement

You also should get a commercial plan as it can be a requirement for your business. There are a lot of situations in which a business will be required under some agreement to carry coverage. This can include agreements signed with lenders, investors, property owners, vendors, and other parties. Maintaining this coverage can help a business stay in good standing and can also protect its reputation in the future. 

Any business that is in the Hanover, PA area will want to make sure that they get the right insurance in place. As you are looking to build an organization, speaking with Weber Insurance about your needs will be helpful. The professionals with Weber Insurance can ensure that you understand your needs and options and are able to build a plan that is ideal for your situation. This can help ensure you remain properly covered going forward. 

Home Insurance Overview To Help Pennsylvania Homeowners Find Coverage

Weber Insurance covers the Hanover, PA community. We offer multiple policies to help our clients protect their assets. We are an independent insurance agency. We work with multiple carriers across the East Coast. We will help you evaluate your options to find the best policy for your situation.

Home Insurance Guide

Not only is your Hanover, PA home a valuable asset, it’s also your sanctuary. Home insurance allows you to protect one of your most valuable possessions. The policy covers the interior and exterior structure of your home. You can have peace of mind if your home is damaged due to an accidental fire or inclement weather. You are also covered if your possessions are stolen or vandalized. It’s a good idea to take inventory of your personal items so that you are aware of their true value if something happens to them. Also, if you have any luxury items, you may need to add extra coverage in order to fully protect those items if something happens to them. Also, if you have any luxury items, you may need to add extra coverage in order to fully protect those items if something happens.

Liability coverage protects you if a guest is injured while visiting your property. If you like to invite people over on a regular basis, liability coverage is a huge asset. Liability coverage also protects you if you accidentally damage someone’s property. This accidental pet damage or if you are doing some landscaping and some trees or bushes accidentally damage your neighbor’s property.

You can also add extra coverage to your policy. In the event that your home suffers severe damage, you can add alternative living coverage. This will cover you as seek somewhere else to stay while your home is repaired.

Weber Insurance Will Help You Protect Your Assets

Visit our website to learn more information about home insurance.