Do I Need ATV Insurance?

ATV insurance can offer financial protection for damages, accidents, theft, and injuries, and having insurance often comes in handy when an unexpected situation occurs. Pennsylvania requires that all ATVs be registered and have minimum insurance coverage. However, the law doesn’t state a specific amount of coverage that’s required. To get more specific information about ATV insurance in your area, you can contact the Henderson Insurance Agency, which is serving Harrisburg, PA.

Pennsylvania requires you to have at least liability insurance on your ATV. If you’re at fault for an accident, this type of insurance helps cover the costs of property damage or bodily injury. Liability insurance also helps cover your legal fees if you’re sued as a result of the accident. For further protection, you may want to consider getting other types of coverage to supplement liability insurance, such as collision coverage, comprehensive coverage, and underinsured/uninsured motorist coverage.

Collision coverage helps pay for damages to your ATV, regardless of who was at fault in the accident. There is often a deductible, which is a set amount that you have to pay out of your pocket before the insurance pays for the remainder of the repair costs.

If you want protection against theft, vandalism, and weather damage, look into getting comprehensive coverage. This coverage pays for damage to your ATV caused by something other than an accident.

Uninsured/underinsured motorist coverage is helpful if you let other people ride your ATV. This type of coverage helps pay for expenses if another rider causes an accident and doesn’t have the necessary insurance to cover the damage.

When you’re trying to decide exactly how much coverage you need, there are a lot of factors to consider. Contact the Henderson Insurance Agency, which serves the Harrisburg, PA area, to chat with a knowledgeable person about crafting an insurance policy that meets your needs.

3 Defensive Motorcycle Driving Tips

One of the best ways to prevent a motorcycle accident is to drive defensively. But many motorcyclists do not know what defensive driving techniques to use while riding their bikes. In an effort to keep you safe, Henderson Insurance Agency, serving the greater Harrisburg, PA area, offers you these three defensive motorcycle driving tips. 

Maintain Your Motorcycle

One of the best defensive tips for riding a motorcycle is to maintain your motorcycle. Ensuring your tires are properly inflated and the bike runs as it should can help you avoid an accident or an incident which can be life threatening. Always maintain your bike and inspect it before you take it out for a ride. 

Be Aware of Your Surroundings 

As you ride your bike, take the time to notice your surroundings. Motorcyclists can get lost in a car or trucks blind spots. Just because you can see them, does not mean they can see you. As such, you need to know where cars and trucks are when you are changing lanes, merging or turning. Being aware of your surroundings and other drivers can help to keep you safe just in case they do not see you. 

Know Your Route

The last tip for defensive motorcycle driving is to know your route. If you are lost, confused or unfamiliar with a route, you are more likely to be involved in an accident. Knowing your route helps you to focus on your riding, rather than wondering if you missed your turn or looking at street signs. 

In addition to keeping you safe, driving defensively can help keep your motorcycle insurance affordable. If you are looking for a new insurance policy in the greater Harrisburg, PA area, contact Henderson Insurance Agency. We can help you find the right policy for your needs. Give us a call now to get started. 

Henderson Insurance Is Here for All of Your ATV Insurance Needs in the Harrisburg Area

The Henderson Insurance Agency is here to serve the residents of the greater Harrisburg, PA area, and are well informed on the insurance needs of ATV enthusiasts. Some people think that because they are not driving their ATV on public roads that they do not need insurance. It is never a good idea to have a motor vehicle that is not insured. ATV insurance will cover damage to the vehicle itself along with the protection of your assets in the event that an accident with your ATV causes an injury.

PROTECT YOURSELF AND YOUR ATV FROM DAMAGE

The Henderson Insurance Agency is here to help you find the best insurance for your needs. Our agents are well-trained and knowledgeable on the subject of recreational vehicles and the necessary level of coverage that is needed with these fun vehicles. We will discuss your vehicle’s value with you, where you ride your ATV and who is riding the vehicle, especially those people that are not family members and who may be under age. Harrisburg PA is a popular area for ATV riding and we at the Henderson Insurance Agency are here to help protect you when you are enjoying this fun activity.

ATV INSURANCE IN PENNSYLVANIA

ATVs and other sports and recreation vehicles are good examples of situations where you want your coverage to exceed the state minimums. The most common ATV claims are those that pertain to injury when riding the vehicles. Imagine if one of your children’s friends is injured on your ATV and your insurance coverage is not high enough to cover their medical expenses, you could be required to pay out of pocket. Our agents can help you find the best level of coverage to meet your needs.

If Only They’d Had Rental Insurance: 5 Disasters That Could Have Been Avoided

Too often renters don’t think about protecting themselves and their property with insurance. They make the mistake of thinking it’s just for homeowners. They don’t ask themselves what will happen should there be an accident or other problem. They assume the landlord is responsible for most situations — and find out they aren’t. Renters laws in Harrisburg, PA protect tenants in a variety of situations, however these are limited, so extra protection is essential.

Here are some situations where renters insurance could have spared someone a lot of headache and loss.

1.  A cooking experiment goes very wrong and damages the stove and cabinets. The cost of repairs is a couple thousand dollars. You don’t have it. Renter’s insurance could have helped.

2. A guest injures themselves while barbecuing on your patio. You assume the landlord is responsible — turns out they aren’t. The guest’s insurance comes after you. Renter’s insurance would have helped.

3. Your home gets broken into and vandalized. You lose your television, computer, camera equipment, etc. You do the calculations and realize that it will cost nearly $5,000 to replace what’s been lost. You don’t have $5,000. Renters insurance would cover it.

4. Water damage not only makes your home unlivable, it also ruins your furniture, some electronic equipment and clothing. While the landlord will cover the cost of a hotel, they won’t cover the cost of a new couch, chair, area rugs, bookshelves and other items that were ruined. Renters insurance would cover these costs.

5. While the landlord’s insurance has covered the costs of your hotel while the damage in your apartment is being repaired, you find that you are spending an excess of money on restaurants because you can’t prepare your own food. The landlord says too bad. Guess what? Your renters insurance can help.

Years may go by and you don’t have any problems with injury, property damage or theft. But what happens if you do? Are you prepared to shell out thousands of dollars with no warning? Contact your Henderson Insurance Agency today, and learn more about renters insurance.

3 Reasons Your need Flood Insurance in Harrisburg, PA

In Harrisburg, PA flooding is to be expected. Henderson Insurance Agency knows that you want to protect your home, which why we’re here to help you get the necessary flood insurance coverage.

Reason 1: The Susquehanna River. Flooding has caused extensive damage during hurricanes, superstorms and following freeze-overs because the Susquehanna overflows, sending gallons upon gallons of water into the city streets and homes. The best way to protect against the next flood is with flood insurance. When the water rises, you’ll want to make sure your home is protected against the damage that follows.

Reason 2: Your mortgage lender probably requires it. Flood insurance isn’t mandatory in Pennsylvania, and it isn’t included in homeowner’s insurance, so your lender may require you carry it to protect their interests and yours. If a flood ravages your home and you lack insurance coverage, you’ll be required to pay for any repairs. This could mean several things for your lender: You can’t afford the repairs, so they go undone, which decreases the value of your home; your home becomes a total loss, and you will still be required to pay the mortgage because you have no flood coverage to help you pay; you abandon the home, damage and all, leaving the lender with an unsalvageable, unsalable property.

Reason 3: Your property will be easier to replace with flood insurance. There is no guarantee that you will be able to recover all for your lost items, but the right flood insurance can make it easier.

A flood can devastate your home physically and financially, but flood insurance can help keep your family afloat as the tide subsides. Contact Henderson Insurance today for more information about flood insurance and how you can protect your home.

What Condo Insurance Covers

Even though your Harrisburg, PA condominium’s housing association has their own insurance, it doesn’t cover all aspects of your condo. You could find yourself having to replace your possessions out of pocket if something should happen to them. Or even worse, you could find yourself owing the association for an event that happened as a result of something you did or your negligence. That’s where Henderson Insurance Agency can help.   

1. Your Property  

Unless an incident happens that was the association’s fault or that the association covers, all of your possessions inside of your condo are at risk. To protect your possessions, you need condo insurance. You should assess the values of what you own–taking depreciation into consideration–of your property to determine how much you need.  

2. Liability Claims 

If somebody gets injured on your property, you’re at fault. You need condo insurance that will cover in the event somebody gets hurt and can’t work, needs medical attention or is in serious pain and discomfort. By having liability coverage, these expenses are taken care of, so the person can’t personally sue you. Liability insurance also covers if you should happen to damage another person’s property.  

3. Damage You Do 

You might accidentally put a hammer through the wall of your condo when you’re hanging up a picture frame. By having condo insurance from a Harrisburg, PA insurance company, you’ll be able to fix the damage, so your property looks as it originally did. This is especially vital if you should happen to move because anything you do damage harms the value of your home, and the housing association may require you to keep your condo looking a certain way. 

To get a quote for a condo insurance policy from Henderson Insurance Agency, serving Harrisburg, PA and the surrounding area, contact us today at 800-466-3820.

The Top 5 Reasons You Need Renter’s Insurance

If you are renting a home or an apartment, you should not assume your belongings would be covered if there happens to be a fire or some other type of disaster. A 2014 Insurance Information Institute poll revealed that only 37% of renters had renter’s insurance at the time the poll was conducted. One of the main reasons so many people fail to purchase rental insurance is because they assume their property is covered by the owner’s insurance. The fact is that the property owner’s insurance will cover the loss of their property, meaning the structure itself. There are no provisions to protect the belongings of renters. Not having rental insurance can be costly for a number of reasons. Here are the top five reasons you need renter’s insurance.

It Protects You from Liability

You can’t predict when an accident will happen. A standard renter’s insurance policy from a Harrisburg, PA, Henderson Insurance Agency includes liability coverage. This is extremely valuable to renters because it provides protection from any injury sustained by a visitor in the home. A renter’s policy would cover the legal expenses and any judgments rendered by the court totaling up to the limit of the policy.

Covers the Loss of Personal Property

A renter’s policy will protect you should you lose personal property such as furniture, clothing, computers, electronics, jewelry, and luggage. There are a number of ways in which your property could be damaged or lost. Most people generally think of disasters like fires or floods when they think of ways their property could be destroyed, however, there are numerous ways property could be lost including but not limited to:

·         Riots

·         Theft

·         Explosions

·         Falling debris

·         Wind Storms like tornados or hurricanes

·         Vandalism

·         Damage caused by aircraft or vehicles

Protection While You Travel

One of the little-known benefits of owning a renter’s policy is the protection is offered when you are traveling. Whether you are in your car, in your home or traveling anywhere in the world, your belongings are covered. If you are someone who is required to travel for work, a renter’s policy could provide you with the piece pf mind you need if the airlines damage or lose your luggage.

Unforeseen Living Expenses

In today’s economy, the average person can’t afford to spend thousands of dollars to live in a hotel should there be a destructive incident in their home. A policy from a Harrisburg, PA, Henderson Insurance Agency would help you pay for expenses incurred should your home become uninhabitable due to a covered incident. Most renter’s policies will provide coverage totaling 20 percent of the policy.

Identity Theft Protection

Identity theft is on the rise. Many renter’s insurance policies include identity theft coverage. There are, however, other insurers who offer it as an addition to their policies. The identify theft coverage benefit would entitle you to receive assistance from your insurer to help restore your identity. Most policies will provide recovery assistance for a year.

Life Insurance, Is it Necessary for Families in Harrisburg, PA?

Life insurance is an important part of your family’s fiscal security.  In the event of the untimely death of a spouse, the family would be protected. Many Americans do not have adequate insurance. A study conducted by the National Association of Insurance Commissioners discovered that less than half of families have life insurance. Those that did have coverage had a policy that would only provide funds to cover approximately three years. The team at Henderson Insurance Agency, serving the Harrisburg, PA area, know that your family is important to you. They can help you decide the type of coverage you need.

There are several different types of insurance plans. Term life insurance provides coverage for a year or more if you were to die during that period. Also, most policies can be renewed for additional time periods even if your health declines.  While they may be renewed for multiple years, the premiums may increase as you age. It may be possible to convert the policy to a whole life policy after a period of time. Even so, the premiums may still be higher than a term insurance policy.

A whole life insurance policy will protect you throughout your entire life. The premiums will be higher than a term life policy but they will remain consistent throughout your life. Over time, this can mean sizable savings for you family. In some cases, policies only require premium payments for a period of 20 years or the age 65. Whole life policies develop a cash value over time. This allow you to borrow against the policy if you need to. 

When you start thinking about life insurance, visit the Henderson Insurance Agency. Our team serves families in the Harrisburg, PA area.

Expect the Unexpected: Commercial Insurance is There When You Need it Most

Plan for the Best, Be Ready for the Worst

Small business owners are an enterprising group of people who develop their business plan with success in mind. They know commercial insurance is a necessity, but with so many levels and options, it is one area where they will often try to cut costs. Our team at Henderson Insurance Agency in Harrisburg, PA can sit down and help you determine the best coverage that will protect you in the event your worst-case scenario plays out. Proper commercial coverage can be the difference in staying afloat or sinking.

Big business is often way ahead of the game concerning commercial insurance coverage. They have the resources to pay top-dollar for the broadest range of coverage. Part of the reason they are so well-prepared is the fact they often have a team of experienced agents in their corner to make sure all of the details are nailed down. Regardless of the size of your business, protecting it should be a priority, not an afterthought. 

Commercial Property Insurance

Knowing how much the tangible assets are worth is important for insurance purposes. Commercial property insurance can protect you from property damage and theft. It is possible you have enough sitting in savings to cover the cost of repair, but do you really want to pay out of pocket? Fire or natural disasters can result in a decimation of inventory or property. Proper commercial coverage can get you back on your feet again.

Commercial Liability Insurance

Liability insurance covers the human side of your business. Unexpected accidents or injuries can set you back if you do not have sufficient coverage. Things like falls or damage to someone’s property while they are at your place of business can have devastating effects on your business without adequate commercial liability coverage. The agents at Henderson Insurance Agency can help you determine the type of commercial insurance that will keep your Harrisburg, PA business covered in the event of the unexpected.

In Harrison, PA, What Information Should be Collected After an Accident?

Individuals living in Harrisburg, PA and the nearby communities can talk to the agents of Henderson Insurance Agency to ensure they are able to fully protect themselves after an automobile accident. Being involved in a car accident can be traumatized. During the heat of the moment, the first thing that should be done is to make sure all parties involved are free of injuries. The next step involves calling the police and exchanging important information that will be used to file claims with each party’s insurance company.

After an auto accident has occurred and all parties have been checked for injuries, it is important the police be notified. While you are waiting for the police to arrive, you should talk to the other driver and exchange your insurance information. If you are unsure of the situation, it is fine to wait until the police arrive, but exchanging the information while you are waiting will save everyone time and allow the accident scene to be cleared much faster. Both parties should provide their complete insurance information as well as personal contact information in case they need to be contacted. The police report will contain the majority of information surrounding the accident itself. Your insurance company may want to send an agent to the scene so it is important they be called while you are still there.

The agents at Henderson Insurance Agency serve residents throughout the Harrisburg, PA area. If you have any questions about your insurance policy or what should be done if an accident occurs, the agents encourage you to call their office and discuss your concerns. It is important that you be fully informed as to what your rights and responsibilities are once an accident has occurred. Make sure you have everything you need and know exactly what you should in case of an emergency.