Common Myths about Home Insurance

Whether living in Harrisburg, PA or other places within the US,  there are various common myths about home insurance. And even though each state has their guidelines for home insurance coverage options, people all over the country have the same misconceptions concerning what their home insurance coverage will cover. Having said that, the following are common myths that are really important to know when it comes to home insurance:

  1. Replacement cost- it’s vital to know the details of how much the insurance will cover for losses.
  2. Loss of use coverage- some coverage won’t pay for lodging/food while the home is being repaired, or the coverage amount and time may be limited.
  3. Insurance coverage must be lowered, to lower the insurance premium.
  4. Flood coverage- floods are not covered and must be purchased.
  5. Premium costs raise every time a claim is filed.
  6. Termites- sometimes, termites are not covered in some home insurance coverage.
  7. All valuables are covered through home insurance- it’s sometimes assumed that medicine and expensive items, like jewelry, are covered.
  8. Valuation of loss- sometimes coverage is limited to a certain amount.
  9. In the case of injury, medical costs are covered.
  10. It’s a waste of time in making an inventory list- it’s vital in case you can’t recall all that is lost due to a calamity.

Conclusion

If living in Harrisburg, PA or various areas in Pennsylvania, it’s crucial to contact trustworthy insurance experts within that area to assist you with your home insurance, flood,  add-ons, and other insurance needs for adequate coverage. One thing for sure, you don’t want to think something is covered after a calamity, just to find out otherwise. That type of situation could leave you in dire financial straights.

Contact Henderson Insurance Agency today. Their insurance agents have been experts in this field for Harrisburg, PA and surrounding areas for several years.  With them, you are in trusted hands, and you will have peace of mind in knowing that you are adequately covered when the unpredictable erupts.

When to Buy Auto Insurance

When it comes to keeping your car street legal, you need insurance. There are a few different times in which you need to purchase auto insurance and knowing when to buy your policy is going to help you quickly and easily get your car insured. For those in the Harrisburg, PA area, the agents with Henderson Insurance Agency can help.

You should first and foremost purchase auto insurance if you are buying a new car. Often, you can contact your insurance company on the day that you buy a new car and they can add the car to the policy before the sale is complete. You should always make sure that your car is insured prior to your attempting to drive it.

Another optimal time to buy insurance is when your coverage needs are changing. You should make sure that you keep your coverage up to date and that you keep the correct amount of coverage so that you can recover after an accident. Generally, it is a safe bet that you are going to need insurance no matter where you are and no matter what kind of car you are driving and having an agent around to help you determine what type and how much insurance you need can save you a great deal of time.

Auto insurance is something that all drivers are required by law to have no matter what so making sure your car is always insured is the best way to make sure you are going to be covered in the case of an accident. No matter your insurance needs, the agents with Henderson Insurance Agency in the Harrisburg, PA area can help you find the right policy for you each and every time so that you are both legal and safe.