Is it Better to Pay For Small Repairs Or Risk A Higher Insurance Rate?

The Henderson Insurance Agency, of Harrisburg PA – Now How Do You Think We Would Answer That Question? 

If you ask your insurance agent the question posed in this article’s title what do you think your agents answer will be? That’s right – you guessed it – a resounding "no". 

Let’s define small repair. A small repair that is not the result of an accident is usually not something that you would consider speaking with your agent about. New brakes, a busted thermostat or even the need for a rebuilt transmission does not create the impetus to call your agent.
When it comes to calling your insurance agent we are looking for repairs that occur as the result of an accident.

It is not a notion foreign to the residents of Harrisburg, PA or anywhere in the USA to fix the fender bender without calling in the claim to your insurance company whether you are at fault for the accident or not. We want you to think of your agents here at Henderson Insurance Agency as people just like you. Contacting us with the small repair that may be the result of a fender bender is a good idea.

The owner or operator of the other vehicle may decide to call their insurance company and may get an opportunity to give a different spin on the circumstances of the accident. It is always best practices to call the police, get a report and call your insurance agency as soon as possible. 

We can discuss with you the best course of action. We can help you best decide how to get the repair done so that you don’t leave yourself vulnerable. Letting your agent know is just part of staying on track. 

Should You Upgrade Your Home Insurance?

Home insurance is something that every responsible homeowner should have but for many, knowing when to upgrade or change your policy can be difficult. There are some tips and tricks, however, to help you determine if upgrading your coverage is a must or not. For those in the Harrisburg, PA area, the agents with Henderson Insurance Agency can help you find the policy that is right for you.

The first tip is to take stock of any changes you have made to your home. Have you added more expensive contents like a big screen tv or new appliances? If you have, you might want to add more contents coverage. Have you upgraded rooms or added rooms to your home? If you answered yes, again you might want to upgrade coverage. In most cases, any upgrade or positive change that helps to increase the value of your home is going to make an upgrade necessary.

If you have not made any changes to your home and your circumstances have not changed at all, it might be helpful to look over your policy and see if you need to increase coverage or not. Your agent can help you through this process. The real issue when it comes to upgrading coverage is that the cost of materials and the cost of labor both alternate with the industry and with the economy. When the economy is up, rebuilding costs more and when it is down, it costs less. It is for this reason that you might need to upgrade coverage even if you have not made any improvements to your home.

If you have any questions, as always, it is best to talk with an agent that is experienced in what homeowners need to keep their home protected. In the Harrisburg, PA area, the agents with Henderson Insurance Agency can help.