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What Does Home Insurance Cover?

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You love your house and have put a lot of money, time, and energy into it, so you want to ensure it is adequately protected. Our agents at the Options Insurance Agency serving the Hershey, PA area want you to know that the best way to protect your home is by having a home insurance policy in place.

What Does Home Insurance Cover?

You never know when a horrible event will happen, such as a fire, vandalism, or a natural disaster, which is why you should have an adequate amount of home insurance for your house.

You may be wondering what a home insurance policy covers. First, it will cover the structure of your house, including the walls, floors, and roof. You can obtain a home insurance policy covering other structures on your property, such as sheds, garages, and decks.

A home insurance policy will help you replace your personal belongings, furniture, electronics, appliances, and other items if a disaster occurs.

Another aspect of home insurance is that it can be helpful if someone is injured on your property. For example, if someone stops by to visit you and falls on the steps of your front porch and is injured, your home insurance policy can help pay their medical bills and other expenses. This type of liability coverage can even help you pay your legal fees if the person sues you in court.

Contact Options Insurance Agency

Home insurance is one of the most important policies to have when you are a homeowner. Call upon our agents at the Options Insurance Agency serving the Hershey, PA area today to create the best home insurance policy for you and your home.

Determining Auto Insurance Needs

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In Hershey, PA, and surrounding areas, determining your auto insurance coverage needs is crucial for financial protection and peace of mind. Assessing your auto insurance needs involves considering factors such as the value of your vehicle, personal circumstances, desired coverage limits, and potential risks. 

Determining the Vehicle’s Value 

Begin by assessing the value of your vehicle. Consider its make, model, age, and condition. Newer or high-value vehicles often require comprehensive coverage to protect against theft, vandalism, or accident damage. Older or lower-value vehicles may need less coverage, but liability insurance remains essential.

Assessing Your Circumstances 

Evaluate your circumstances, such as your driving habits, daily commute, and the number of drivers in your household. A longer commute or frequent highway driving may call for higher liability limits. You may need higher coverage to mitigate potential risks if you have a new or inexperienced driver in your household.

Knowing Your Desired Coverage Limits 

Determine your desired coverage limits based on your risk tolerance and financial situation. Liability coverage is required by law and covers damage to other parties in an accident. Consider higher limits to protect your assets in a severe accident. Comprehensive and collision coverage may be appropriate if you want additional protection for your vehicle or if it is financed. 

Being Aware of the Potential Risks Factors

Assess potential risks specific to your area and driving conditions. High crime rates, severe weather, or heavy traffic can increase the likelihood of accidents or vehicle damage. Understanding these risks allows you to select appropriate coverage options to mitigate potential losses.

How Options Insurance Agency Can Help You

Here at Options Insurance Agency, we can guide you about getting the right amount of auto insurance coverage. We support all areas around the Hershey, PA, region. Contact us today. 

Commercial Insurance Is Important For Small Businesses

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Running a small business is one of the most satisfying things anyone can do. Being your own boss while making a profit is a dream many wish to accomplish. For those looking to start their own business in Hershey, PA, it’s going to take much more than the desire for it to run smoothly. Commercial insurance is vital in taking care of your business, and Options Insurance Agency has the tools to aid you.

Covers accidents on the job

If you’re running a store, you’ll handle numerous customers daily. With people on your property, the risk of injury can be high. If an injury occurs, there’s a good chance you can be held accountable. Fortunately, commercial insurance can help cover any court costs you’ll have to pay if the injured person wants to sue. You can also use it to cover any medical expenses for the individual.

Covers accidental damage to buildings

Much like owning a home, owning commercial property can lead to potential damage. Whether it’s an accidental fire or a roof collapsing, these unfortunate incidents will come with a hefty price tag in repairs.

Covers unfortunate loss of income

Every now and then, something tragic can shut businesses down for a while. From tornados to earthquakes, businesses not picking up can lead to a loss of income. While some businesses can stay open with a portion of the area closed off for repairs, others don’t have the same luxury. Commercial insurance can help offer financial assistance for a limited amount of time.

If you have questions about commercial insurance in Hershey, PA, Options Insurance Agency can help you. Contact us here for more information.

What is the benefit of having home insurance in Pennsylvania?

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Owning a home can be a great option in the Hershey, PA area. There are a lot of advantages that come with home ownership, including having a consistent place to live and owning an asset that could appreciate in value. While there are advantages to owning a home, you do need to ensure your home is covered and protected. One of the ways you can do this is with insurance. Full home insurance will provide various benefits for policyholders.

Coverage for Assets

An important reason that you will need to have a home insurance policy for their house is so they can cover the asset. A full home insurance plan covers the dwelling and your belongings. If you are a victim of fire, theft, or other covered risks, you will have support to replace or repair your home and personal items up to the policy limits.

Mitigate Liability Risks

Getting home insurance to offset your liability concerns would also be a great idea. There continues to be a risk that you could be named liable for an accident on your property. If this happens, the financial costs of covering damages can be significant. If you have a home insurance plan, you will have liability insurance to offset this risk. 

It will be essential for people in the Hershey, PA area to ensure they are properly covering their homes. When looking for a way to cover your property, contacting our team with the Options Insurance Agency would be a good idea. When you call our professionals with the Options Insurance Agency, you can get the support you need to understand your insurance options and build a policy that meets your needs. 

When Is It Time For Elderly Parents To Stop Driving?

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As your parents begin to age, so many different factors need to be considered. One important factor is driving safety. Our staff at Options Insurance Agency, serving Hershey, PA, and the surrounding areas, are here to help you navigate important questions like this. Keep reading to learn more. 

Should I Address My Elderly Parents About Driving?

This can be a very uncomfortable topic for adult children who are concerned about their elderly parents. Not only can this topic be uncomfortable, but it can also be a very sensitive topic. The reason for this is that, in most cases, elderly parents are not aware that there is a problem with their driving. It is often the responsibility of adult children to address this issue. 

There are a few telling signs that will alert you to the fact that your parents may need to stop driving. Let’s look at a few. 

Failing Eye Sight 

If your parent’s eyesight is failing rapidly, and eyeglasses do not correct it enough for safe driving, it might be time that they hand driving responsibilities over to someone else. You will be able to tell if this is a problem by listening to their complaints or even by talking with their eye doctor. 

Confusion or Dementia 

It is pretty common for people to deal with memory or cognition issues as they grow older. If your parent is suffering from severe confusion or dementia, though, you should consider discussing driving safety. Confusion or dementia could put your parents at extreme risk while driving. 

Loss of Hand-Eye Coordination 

The loss of hand-eye coordination is another common ailment for the elderly. Although it is considered normal to deal with this as you age, it is still considered a huge obstacle for safe driving. 

If you want to learn about car insurance, please get in touch with us at Options Insurance Agency, serving Hershey, PA, and the surrounding areas. 

Four Main Types of Commercial Insurance Coverage

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Protecting your company from potential risks and losses is crucial as a business owner. One way to do that is by getting commercial insurance coverage. Commercial insurance covers different types of threats and helps protect your business from financial losses. Options Insurance Agency in Hershey, PA, offers various commercial insurance coverage options. Learn more about the four most popular policy types.

Property Insurance

Property insurance is a type of commercial insurance that protects your business’s physical assets, such as buildings, equipment, and inventory, from damage or loss due to fire, theft, or natural disasters. This coverage also includes business interruption insurance, which provides financial assistance if your company cannot operate due to covered damages.

Liability Insurance

Liability insurance protects your business from claims made against you for property damage, bodily injury, or personal injury caused by any of your products or services. We have various liability insurance options, including general, professional, and product liability insurance, to help you manage your risks appropriately.

Workers’ Compensation Insurance

Workers’ compensation insurance is mandatory in most states. It provides coverage for medical expenses and lost wages for any of your employees injured or who become ill while on the job. It also protects you as the employer from lawsuits related to unexpected workplace injuries.

Commercial Auto Insurance

Commercial auto insurance covers vehicles used for business purposes, such as company cars or trucks. It handles the costs associated with damages and injuries resulting from accidents involving company vehicles, theft, and vandalism.

Reach Out to Our Office for More Information

As a business owner, it’s a must to understand the four basic types of commercial insurance coverage and how they can protect your company from potential risks and losses. Options Insurance Agency in Hershey, PA has various commercial insurance options available to help you safeguard your operations. Contact us today to find out more!

What Risks Are You Facing as a Home Owner Without Home Insurance?

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Are you a homeowner, or are you thinking to become one? Then it would be best if you understood how important and necessary it is to have home insurance to protect your property and personal belongings. Many people decide to skip home insurance to save money. However, doing it is a bad idea, and here is why. 

Risks of Not Having Proper Home Insurance

If you decide not to carry home insurance for your property, here are the risks you may face:

  • Out-of-pocket costs. Home insurance aims to pay for damages and repairs to your home. If you do not have insurance, you must pay for everything yourself.
  • No liability protection. Home insurance also protects you as a homeowner if someone is injured at your home. You are responsible for all medical bills and legal charges without insurance coverage. 
  • Not being able to sell your home without insurance. If you ever decide to sell your home, it can be difficult, if not impossible, for you. Homes without insurance are undesirable for many homebuyers. Also, many realtors will not even show properties without home insurance. 

As you can see, having home insurance is a necessary and valuable investment in the long run. 

Options Insurance Agency Serving Clients in Hershey, PA

Are you a lucky homeowner in Hershey, PA, or any other nearby town? Are you looking for home insurance to protect your home? You should contact Options Insurance Agency. We specialize in many types of insurance, including home insurance. If you want to know more about the insurance options we offer or have other questions, feel free to contact us. 

 

Teen Driver Safety Tips

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It is daunting to face your child’s first attempts at driving, but there are ways to make the transition safe. Be sure to contact your Options Insurance Agency when your child obtains their learner’s permit to ensure they are covered from day one. 

Hershey, PA drivers must have bodily injury liability, uninsured and underinsured insurance, first-party benefits, and property damage coverage. Pennsylvania is a no-fault state, and motorists can opt into limited tort, which curtails their ability to sue, or full tort. 

 A lack of experience is the primary issue that new drivers face, and the longer they can spend being supervised, the better the outcome tends to be. They learn from your suggestions even if they resist this wisdom. 

Part of this practice should include taking them out during different weather conditions and various times of the day. They need to navigate traffic situations as well as the open road. A driver safety course will teach them defensive driving and provide oversight while practicing. 

Maintaining a curfew while your driver is still young is vital, limiting them to a cap of 9 or 10 o’clock at night for at least the first six months after they obtain their license. Do not allow them to ride with other teens. 

A seatbelt remains one of the easiest ways to avoid serious injury in a crash, and it’s good to set a good example for them in this regard. Make sure your safety features are fully functional in your teen’s vehicle. 

Options Insurance Agency in Hershey, PA

We help create insurance packages to meet your needs and work hard to insure every eligible family member. We invite you to reach out to us today so we can further discuss your situation. 

Required Commercial Insurance in Pennsylvania

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When you are a business owner in Pennsylvania, there are specific insurance policies you may have to have by law. There are two different types of required commercial insurance that you need to have if you meet certain conditions set forth by the state. There are also several other commercial policy types that you might want to get to protect your business. Call us now at Options Insurance Agency in Hershey, PA to get the insurance you need.

Commercial Auto Insurance

If your business uses one or more vehicles, they have to be protected with a commercial auto policy. This insurance provides a lot of protection against costs after an accident caused by your vehicle. This policy has to have a few types of coverage to be legal, and your business may also benefit from other types of coverage that aren’t required. The required coverages in your auto policy include bodily injury liability in two amounts, an amount for property damage liability and another amount for medical benefits. You can also add collision insurance to pay for your vehicle’s damages after an accident. 

Workers’ Compensation Insurance

If you have employees at your business, you must have workers’ comp insurance to cover them. This insurance pays for their medical bills and any necessary disability payments. Your business must have this coverage even if you have only one employee. This insurance must cover any employee working part-time, full-time, or seasonally. It offers strong protection for your business if any employee becomes injured. 

Cover Your Business

Call us today at Options Insurance Agency in Hershey, PA when you need your commercial insurance policies.

 

Tips to keep your car running smoothly

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Maintaining your car is vital if you want it to run smoothly. Here are some tips to help you do just that.

  1. Change your oil regularly. Oil is the lifeblood of your car, and it needs to be replaced every few thousand miles for it to run correctly. Be sure to consult your vehicle’s manual for recommended oil change intervals.
  2. Check the air pressure in your tires regularly. Low tire pressure can cause uneven wear and unnecessary strain on your tires, leading to costly repairs down the road. Make it a habit to check your tire pressure at least once a month and add air as needed.
  3. Get a tune-up every six months. Regular tune-ups are key to keeping your car running smoothly year after year. Make sure you take your car in for tune-ups at the recommended intervals and ask your mechanic to check a range of parameters, including engine performance, emissions, and fluid levels.
  4. Keep your gas tank at least half full. When you allow your gas tank to get too low, condensation can build up in the fuel line, leading to rust and corrosion. Keeping your tank at least half full will help prevent this from happening while also helping you avoid having to stop in the middle of a long journey to fill up.
  5. Replace windshield wipers and brake pads when necessary. Worn-out windshield wipers and brake pads put you at risk for accidents and can increase fuel consumption.

Following these tips can keep your car running smoothly for many years. If you have any questions about your car insurance, please give us at Options Insurance Agency a call today. We proudly serve the Hershey, PA area.