Tips for Keeping Your Auto Insurance Valid

Weber Insurance is a trusted insurance provider serving Hanover, PA. We can help you find a policy and ensure that your current option doesn’t void by accident. This situation is one that impacts more people than you might expect and requires you to take a series of simple steps.

Let Your Insurance Company Know About Moves 

If you plan on moving at any time in the next year or so, let your insurer know! If you fail to update your address, there’s a chance some companies may get upset. While it might not void your policy, living in new areas might increase your crash risk and impact what policy you get.

Consider an Umbrella Rider 

Umbrella policies provide extra liability protection for your vehicle and can minimize problems with its validity. For example, if your basic policy maxes out on liability protection, your umbrella coverage will pay the rest of the bill to ensure that you don’t run into any serious issues. 

Pay Your Bills on Time 

Missing one insurance bill isn’t going to void your agreement, but missing two or three just might. It all depends on your insurance company and their policies. It’s the simplest thing in the world to avoid if you simply just pay your coverage costs every month to stay safe.

Set Up Automatic Payments 

Are you someone who often forgets bill timing and runs into issues with keeping your policies valid? It’s a smart idea to create automatic payments that take money from your account every month. Or you can set up a one- or two-time pay option to get your car insured all year round.

Protect Yourself Properly

Our team at Weber Insurance can provide Hanover, PA residents with the protection that they need to keep their auto policies active. By following these and other important tips, you can minimize your potential loss and ensure that you get the help you need financially after a crash.

Protecting Christmas Gifts with Renters Insurance During the Holidays

There is so much going on during the holidays that it can be extremely overwhelming. When you are doing all your holiday shopping, the last thing that you expect is for your apartment to be burglarized or for some type of other loss to occur. When it does, though, how does renters insurance come into play?

Serving the Hanover, PA area, our team at Weber Insurance can answer whether renters insurance protects you if your holiday Christmas gifts are damaged and/or stolen.

Know Insurance Coverage and Limits

You need to be aware of the coverage and limits of your renters’ insurance. Renters insurance does not necessarily cover you for expensive gifts that you have purchased. What you can do, though, is get additional coverage via endorsements and floaters that can help you in this space.  

With renters insurance specifically, you can have content coverage that will protect you when you have a loss relating to your gifts.  

Consult with an Insurance Professional

The best thing you can do is to consult with an insurance professional to be sure that you have the inventory of your apartment in good hands. You want to be able to have coverage in place so that if something goes wrong, you can recover from the loss.

Having a team of insurance professionals by your side can make all the difference when trying to understand renters insurance and the protection it can bring to your holiday gifts. If you are unsure of your coverage or just want to learn about your options, our team at Weber Insurance can help folks in the Hanover, PA area and abroad.

Will homeowners insurance cover the repair of my cracked foundation?

Homeowners insurance covers many different areas of concern for homeowners. Without it, many homeowners would be ill-prepared for many of the unexpected situations that come with homeownership. However, not everything is covered by homeowner insurance. It’s a good idea to read the fine print and understand what’s covered and what’s not. The Weber Insurance team is committed to helping Hanover, PA homeowners understand homeowner’s insurance.

What is homeowners insurance?

Homeowners insurance is bundled with coverage in a variety of different areas. Liability coverage provides protection for homeowners if they damage, cause an injury or accident on their own property, and more. Homeowners insurance also provides coverage for every structure on the property, personal belongings, the exterior and interior of the home, sheds, mailboxes, and more. Although many circumstances and situations are covered by homeowners’ insurance, there are circumstances when a situation falls outside a homeowner’s insurance policy. 

Will homeowners insurance cover the repair of my cracked foundation?

Maybe. Your foundation is covered by your homeowner’s insurance. However, the circumstances surrounding your cracked foundation determine whether the repair or replacement of your foundation is eligible for repair. Normal wear and tear that come from age or neglect aren’t covered under your policy. However, if your foundation is cracked as a result of some natural disasters like windstorms, lightning, fire, vandalism, explosions, falling objects,  damage caused by vehicles, and water damage from plumbing issues. Settling and other common foundation issues aren’t covered. As stated above, only some natural disasters are covered. Earthquakes and floods are not covered by a homeowners’ insurance policy.

If you have questions regarding what’s covered by homeowners’ insurance, call us at Weber Insurance in Hanover, PA. We’d be happy to help you explore your options. 

Things you should always have in your vehicle

Being safe, being prepared, and being in compliance with the law are all considerations when it comes to being out on the road in your vehicle. At Weber Insurance in Hanover, PA, we have an 80-year history of providing high-quality personalized customer service. We work with our customers to make sure they get affordable coverage that meets their needs. 

Things you should always have in your vehicle

Your documents

Before you go out in a vehicle, you should have all the required documents, your vehicle registration, your insurance card, and your driver’s license. These are all required if you get pulled over or in an accident. Having a roadside assistance card is not required but can be very handy. 

A spare tire and jack

In the event that you have a flat tire, you need to have a spare tire and a jack. Even if you can’t change it yourself, you need to have something for roadside assistance to place on your vehicle. 

A can of Fix a Flat

Fix a Flat works for some flat tires, but not for everyone. It is worth a try though to get you out of a tough spot. 

Jumper cables

When you try to start your vehicle, and your battery is dead, it helps if you have a set of jumper cables so that some kind person can help you to charge your car. 

A portable charger

If you opt for a Halo Bolt, you will have a charger that can charge your battery and also the attachment to put air in your tires, a very handy thing to carry in your vehicle. 

A bottle of water

Not only is a bottle of water good to drink but in the event you have an overheating issue, it may be the answer. 

Get Insurance Coverage For Your Needs

Contact the office of Weber Insurance in Hanover, PA and allow us to give you the insurance service you deserve. 

Does Renters Insurance Provide Accommodations if Your Residence is Damaged?

The right type of insurance can protect you from risks and covered losses. If you’re a renter, it’s essential to have a reliable renter’s insurance policy effective. Individuals looking for assistance finding the right renter’s insurance policy can trust the experts at Weber Insurance to provide exceptional services to the residents in and around the Hanover, PA area.

Renters Insurance Coverage 

If you have a renter’s insurance policy in place, it will likely provide alternate accommodations if your living space has been damaged to where it is currently inhabitable. This is just one of the many benefits of having renters insurance. If you want to learn more about the benefits of renters insurance or would like assistance finding the right policy, our knowledgeable insurance agents can help.

We can provide each customer with information to help them decide if renters insurance suits their needs and which policy options best match their requirements. Once we match you with the right policy, we can also assist you with submitting information and documentation to obtain your policy as quickly as possible. Will provide high-level customer service before, during, and after the policy purchase, which includes assistance with claim submissions. It’s all a part of our commitment to ensuring our customers get the best protection against various risks they face as a renter.

Reach Out Today 

If you want to learn more about renters insurance or any other quality insurance products or services we offer at Weber Insurance, don’t hesitate to contact us. Feel free to call or stop by our office to speak to one of our helpful insurance agents. We proudly serve the residents in and around the Hanover, PA area.

3 Things Homeowners Need to Know about Insurance

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

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

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

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

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.