3 Things Homeowners Need to Know about Insurance

Posted on by admin

If you’re planning to buy a new home or are already a resident in Hanover, PA or the surrounding area, you can turn to the team here at Weber Insurance for all of your homeowner policy needs. Finding the right insurance to protect your home can often be a confusing experience, and we’re here to help.

Important Things to Know about Your Homeowner’s Policy

  1. Proper Coverage Levels – one of the most important decisions to make when choosing your homeowner’s policy is the level of coverage. No one wants to have a loss occur only to find out that they don’t have the coverage they need.
  2. Liability Protection – many homeowners don’t give a lot of consideration to liability protection when choosing their policies. If a guest or worker is injured on your property, you’ll want to have an adequate amount of liability protection in place.
  3. Regular Reviews – once you and your agent have determined which policy is right for your needs, it’s important to review your coverage on a regular basis. Most agencies advise that this review occurs about once a year. You’ll be able to discuss any changes that have occurred in the past year and update your policy appropriately.

Now’s an ideal time to learn more about the policy options that are currently available in our area. Your home is likely the largest investment you’ll have in your lifetime, and it’s important to protect it. Find out more today and how you can keep it safe.

You can count on us for all of your insurance needs!

The team at Weber Insurance is proud to serve the Hanover, PA community. If you have questions about your insurance, we’re here to help. Give us a call or stop by our office today.

Special Considerations for Drivers Who travel on the Pennsylvania Turnpike

Posted on by admin

Driver safety should be on your mind whenever you’re behind the wheel. Every type of road needs safety awareness. But, somehow, once you drive onto the Pennsylvania Turnpike, its length and vastness suddenly bring drivers to a heightened awareness of driver safety. 

At Weber Insurance, serving the Hanover, PA area, we want you to have all the information you need to drive safely in every situation. 

Some safety guidelines for driving on the PA turnpike include: 

Speed limits: 

The maximum speed on the Turnpike is 70 mph. Remember to adjust your speed in areas of traffic or extreme weather conditions. 

Wipers & Headlights: 

If rain is heavy enough for wipers, improve your visibility by turning on your headlights. 

Driving versus Passing: 

The right lane on the Turnpike is for driving, while the left is for passing.

Crashes and Breakdowns

Pull your car over to the right shoulder if you’re in a collision. Dial *11 for assistance. Exchange information with the other driver and wait for service.

Yellow Dots

This is like adding a Medic Alert bracelet to your car. The bright yellow stickers are placed on your rear windshield. They alert rescue workers you’ve placed personal health information in your glove compartment.

Fight Fatigue

Because of the length of the Turnpike, developing driver fatigue is a serious risk. If you find yourself yawning frequently or if your eyes keep closing despite your best efforts, pull your car over. Research recommends a short nap and 2 cups of coffee to return to alertness. 

Keep Your Insurance Updated

At Weber Insurance Company, serving the Hanover, PA metroplex, we want you to put safety first – no matter where you drive. Reach out to us for information on all your insurance needs. 

Four things you shouldn’t assume about renters insurance

Posted on by admin

It’s a good idea to carry renters insurance if you live in a rental unit in Hanover, PA. If you’re looking for an insurance provider offering renters coverage, you can check out our policy offerings at Weber Insurance. 

The following are four things you shouldn’t assume about renters insurance:

Renters insurance only covers your personal property in your rental unit.

Personal property coverage is an important type of coverage included under a renters insurance policy. However, renters insurance offers more than just coverage for personal property.

A renters insurance policy can also offer coverage for liability expenses, additional living expenses, and more. 

You can be reimbursed for damages by your landlord.

Don’t depend on your landlord for compensation when you are faced with a lawsuit as a renter. Unfortunately, a landlord’s insurance policy won’t always provide coverage when a tenant is sued because of an injury that takes place in his or her apartment.

It doesn’t matter which renters insurance policy you choose.

Renters insurance policies can differ widely in terms of how much coverage they offer and what types of damages they offer coverage for. That’s why you need to carefully research your options and make sure you fully understand a policy before buying it. 

One renters insurance policy will cover everyone in your apartment.

You cannot expect to be covered because someone else who lives in your apartment has renters insurance. Renters insurance will typically only offer coverage for the policyholder and not for everyone else who lives in the policyholder’s apartment. 

Reach Out To Us

Make sure that you’re protected financially as a renter with renters insurance in Hanover, PA. Get in touch with us to request a policy quote by contacting us online or by phone at Weber Insurance. 

The Role of Home Insurance in Homeownership

Posted on by admin

Owning a home is a significant milestone for many individuals and families. However, home insurance is one crucial aspect of homeownership that should not be overlooked. Home insurance provides a safety net for homeowners, protecting their most valuable assets from unexpected events such as fire, theft, and natural disasters. Therefore, homeowners need to understand the role of home insurance.

At Weber Insurance in Hanover, PA, we’re here to share information so you can feel comfortable with your policy.

What Home Insurance Covers

Home insurance typically offers coverage for various elements, including:

  • Dwelling: Protection for the home’s structure, including walls, roofs, and built-in appliances.
  • Personal Property: Coverage for furniture, electronics, and clothing.
  • Liability: Financial protection if a homeowner is held legally responsible for injuries or property damage to others.
  • Additional Living Expenses: Reimbursement for temporary living costs if a home becomes uninhabitable due to a covered event.

These coverages will vary depending on the specific policy you choose. Therefore, reviewing the policy details carefully and asking us questions when selecting home insurance is essential.

Importance of Home Insurance

Home insurance is vital for several reasons:

  • Mortgage Requirements: Most lenders require home insurance as a condition for obtaining a mortgage, ensuring their investment is protected.
  • Financial Security: Home insurance protects against potential losses from unforeseen events.
  • Peace of Mind: Knowing that your home and belongings are protected allows homeowners to focus on enjoying their lives and building a future.

Get Started Today With Us Today!

Take the first step towards safeguarding your home and valuable assets. Contact Weber Insurance in Hanover, PA to discuss your home insurance needs and explore our available options. With a personalized approach, our agents will assist you in finding the right policy to protect your home and provide you with peace of mind. Don’t leave your most valuable investment unprotected. Get started with your home insurance journey today.

Tips to Help You Stay Awake When You Are Behind the Wheel at Night

Posted on by admin

One of the most common reasons why accidents occur is because a driver was drowsy or nodded off while driving. Here at Weber Insurance, providing auto insurance to the greater Hanover, PA area, we want to help you avoid this scenario.

Here are a few tips that can help you to stay awake when you are behind the wheel at night: 

Get Enough Sleep the Night Before a Trip

One of the best ways to help you to stay awake when you are behind the wheel at night is to get enough sleep the night before a trip and if possible, take a nap before you hit the road.  

Take Breaks Every Two Hours

Another important tip that can help you to stay awake when you are behind the wheel is to take breaks every two hours. It is important to get out of your vehicle and stretch. This helps to circulate blood, which can help you to stay awake. 

Roll Down the Windows or Turn On Your AC

If you start to feel yourself dozing off, you can roll down the windows or turn on the AC. The cold air can help you to stay awake. 

Have a Protein-Based Snack Every Few Hours

Lastly, try to eat a protein-based snack every few hours. Nuts, sunflower seeds, and beef jerky are all great options. Protein helps to boost your body and helps you avoid crashes that can occur with sugar or carbs. 

Reach Out To Us!

If you are struggling to keep your eyes open, feel yourself nodding off, or find yourself rubbing your eyes, it is time to pull over and find a place to sleep before an accident happens. While you can do your part to prevent accidents, accidents can still occur. And if one happens, it is important to have great auto insurance. The team at Weber Insurance, serving the greater Hanover, PA area, would love to help you find the right insurance policy for your needs. Reach out to us today to get started. 

What does a renters insurance policy cover?

Posted on by admin

Renters insurance from Weber Insurance is an important form of protection for Hanover, PA area tenants that often goes overlooked. This type of coverage guards you from damages or losses to your property due to theft, fire, vandalism, and other risks. It also provides liability coverage, meaning it can help protect you from lawsuits if someone is injured in your rental unit. 

Renters Insurance Coverage

When selecting a renters insurance policy, be sure to understand what it covers. Generally speaking, most policies cover personal items such as clothing and furniture that have been damaged or stolen. It may also include reimbursement for temporary housing if you need to move out after damage has occurred in the rental unit.

Depending on the policy and insurer, some forms of coverage may include living expenses and food costs if your unit has become uninhabitable due to a covered cause of loss.

Liability coverage typically pays for legal fees related to any injury that occurs in the rental unit.  It also pays for any damages that may have been caused by the tenant, including negligence or intentional misdeeds. Be sure to read your policy carefully and ask questions so you understand what exactly is covered. 

Overall, renters insurance is an important investment for tenants who want peace of mind knowing their belongings and liabilities are covered in case something unfortunate were to occur. Be sure to read through the policy carefully so you know what is included in your coverage before signing up for a plan.

Give Us A Call

If you are interested in getting a renters insurance policy or have any questions about an existing policy, give us at Weber Insurance a call today. We are proud to serve the Hanover, PA area and would be happy to help you find a policy that suits your needs and your budget.

Here’s Why Lenders Require Home Insurance

Posted on by admin

Did you know that Americans hold more than $10 trillion dollars in mortgage debt? In fact, roughly 70 percent of all debt in the United States is tied up in mortgages. Generally speaking, mortgages are considered good debt because they allow folks to build up equity while satisfying an essential need for shelter.

Typically, the organizations extending loans for mortgages require that homeowners take out home insurance. We’ll look into why, but if you’re looking for home insurance, get in touch with Weber Insurance, serving Hanover, PA and other areas nearby.

Why Lenders Mandate Home Insurance

So why do lenders require that borrowers take out home insurance? We’ll dig into the details shortly, but the short answer is that lenders want to protect themselves. Mortgages are “secured” debt, meaning the loan is tied to collateral. In the case of mortgages, that collateral is typically the house or property bought with the mortgage.

If the borrower stops making payments on the mortgage, the bank will be able to take possession of the home or other property. Then, they can sell the property, thus recouping some or all of their losses. As a result, the mortgage itself is a relatively low-risk type of loan. With unsecured loans, banks can’t take possession of collateral.

Low risks allow lenders to extend loans with relatively low-interest rates. Mortgage interest rates began to rise in 2022, but the average rate was still below 7 percent. In 2021, mortgages with interest rates of less than 4 percent were pretty common. Yet if a home is damaged, say in a storm, it’s going to be worth less. This means the collateral for the loan is worth less as well. For the lender, this results in increased risks.

To protect their interests, lenders, including banks, require that homes bought with mortgages be covered by home insurance. This insurance protects not just the home and homeowner, but also the lender and its interests.

Reach Out To Us

Want to learn more about home insurance? Contact Weber Insurance, serving Hanover, PA and other areas nearby

How to improve your gas mileage

Posted on by admin

If you’re looking to save money on fuel costs, then improving your gas mileage is a great way to start. Weber Insurance can help you get the most out of your vehicle’s miles per gallon while on the road in Hanover, PA, where we serve auto insurance to our new and long-term clients. 

Here are some tips:

1. Make sure your car is regularly maintained

This includes things like checking tire pressure and performing regular oil changes, as well as replacing any worn or damaged parts. Regularly maintaining your vehicle will ensure that all its components are in good working order and not impeding the vehicle’s performance.

2. Drive more efficiently

Driving more economically can help you boost your mpg. This means avoiding sudden acceleration, braking and idling whenever possible and taking it easy on the accelerator while driving. 

3. Reduce drag

Reducing drag on your vehicle by removing roof racks or other items attached to the outside of your car can improve aerodynamics and increase fuel efficiency. 

4. Check air filters

Dirty air filters reduce the amount of oxygen getting into the engine and can lower fuel economy significantly. Make sure you check them regularly and replace them when necessary for better gas mileage. 

5. Use cruise control

Keeping a constant speed helps keep fuel waste down, so using cruise control whenever possible can help conserve gasoline over time. 

Make Sure To Get Insurance Coverage For Your Car – It’s Mandatory!

By following these simple tips, you’ll be able to get better gas mileage from your car and save money in the long run! For more money and energy-saving tips, give us a call at Weber Insurance today. We proudly serve Hanover, PA and surrounding areas. 

Three advantages you’ll enjoy if you invest in renters insurance

Posted on by admin

Carrying renters insurance is beneficial to you if you live in a rental unit in Hanover, PA. Rely on us at Weber Insurance to provide you with a renters insurance policy that meets your needs.

The following are three advantages you’ll enjoy if you invest in renters insurance:

Renters insurance protects you against possible liability expenses

Liability coverage is one of the most important types of coverage that renters insurance offers. This coverage protects you if you get sued because of an accident that occurs within your rented home. 

Liability coverage protects you in the event of both property damage expenses and medical care costs resulting from liability issues. 

Renters insurance covers the value of your belongings

Personal property coverage is another type of financial protection that a renters insurance policy can include. You can insure the belongings within your rented home up to a certain amount.

This coverage gives you the peace of mind of knowing that the value of your most expensive possessions is protected. 

Renters insurance can cover temporary housing costs for you if you can no longer live in your rental unit

Natural disaster damage to your rental unit could make it so that you can’t live in your home anymore. In this case, you’ll need alternative housing.

Renters insurance policies can include coverage to pay for a hotel or other temporary lodging. This comes in handy after your rental unit has been rendered inhabitable as the result of numerous possible causes of damage. 

Contact Us Today

When you choose a renters insurance policy, it’s best if you get quotes from a few different insurance providers. At Weber Insurance, we can provide you with a quote for a policy to insure your rented home in Hanover, PA. Get in touch with us to learn more!

4 Safety Tips For Winter Driving

Posted on by admin

When you have to drive in winter weather, it is still lovely to look at, but it has a different significance as far as safety. Winter weather and driving conditions may be very dangerous. It is crucial to be aware of and follow these winter driving recommendations from Weber Insurance serving Hanover, PA residents for both your safety and the safety of those cars around you.

4 Safety Tips For Winter Driving

1. Monitor Tire Inflation

To ensure adequate vehicle control on slick roads, as much friction as possible is needed. To ensure that more of the tire surface is in touch with the road during the winter, use a tire pressure tester to adjust your tires’ inflation to the best level for winter driving. If you do not feel comfortable using a tire pressure gauge, have a mechanic at an auto shop do it for you.

2. Obtain a Winter Vehicle Inspection

Bring your car in for a winter checkup before winter sets in. The inspection will include items like tire tread depth, battery charge, antifreeze, radiator hoses, heater operation, and exhaust operation.

3. Keep Your Fuel Tank Full

It is crucial to keep your tank at least halfway filled throughout the winter. If you allow it to drop below that, you run the danger of a fuel line freeze-up, which might need expensive and difficult repairs. Also, you don’t want to run the risk of running out of fuel on a deserted road in winter.

4. Avoid Preheating Your Car in an Enclosed Space

When you get into your vehicle in the winter, you don’t want to feel excessively cold. However, if your automobile is kept in a garage or another enclosed area, avoid warming it up in an enclosed space. Carbon monoxide, which can be fatal, can build up in only a few minutes. Instead, take your vehicle outside, into an open area, to warm it up until it’s comfortable.

Get Auto Insurance Today

Weber Insurance serving Hanover, PA is available to handle all of your auto insurance needs. For more information or to receive a quote, please contact us today.