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An Insurance Guide to the Types of Coverage Available for Your Needs

For all of life’s major events, insurance is there to protect you from a “worst case scenario” moment. Here is a quick overview of what insurance can do for you.

- Auto Insurance: Whether you have a Cadillac Escalade or a Ford Focus, auto insurance is essential. Auto coverage provides liability coverage in the event that you are at fault for injuring someone in an accident or damaging another’s property. It is always recommended to buy as much liability coverage as you can afford. Auto insurance also pays for “physical damage”. This is often confused as paying for someone else’s car but it actually pays for damage done to your car.

- Home Insurance: Homeowners insurance is one of the most important coverages in your personal portfolio. You’ve made a big investment in your home and you want to make sure it’s protected properly. Property insurance will help you repair or rebuild in the event of a covered loss. You may also receive payment for relocating while repairs are done and rental income if you rent out part of your home. As always, liability is also included on the homeowner’s policy should someone be hurt while at your home.

- Umbrella Insurance: Going back to the idea of buying as much liability coverage as you can, the Umbrella provides that extra coverage for the person needing more liability protection than what is offered on the Homeowner’s Policy. This would be recommended for business owners who have the potential of being sued personally as well as professionally.

- Health Insurance: Most people get their health insurance through their employer. However, with the economy at a low point and many people out of work, employer paid benefits may not be available. We have access to plans that will be affordable no matter what your situation.

- Motorcycle Insurance: One of life’s ultimate freedoms is hitting the open road on your bike!! Make sure to get enough coverage to keep that baby running for as long as you own it. The same coverage that is available on an auto policy is customized for the motorcycle policy. Liability and physical damage coverage is included. You may choose deductibles that fit your needs. Also like auto insurance, the motorcycle policy offers underinsured/uninsured motorists coverage. In the event of an accident with someone that doesn’t have enough insurance or none at all, you are still covered. If paired with auto or home insurance, you may be eligible for a discount as well.

- Mine Subsidence Insurance: As with other Mid-Atlantic and southern states,Pennsylvania has the unique circumstance of housing developments that were built over old mines. If the earth beneath these developments were to shift or settle, it could take the homes with it causing anything from cracks in the foundation to total destruction. Due to an exclusion on the Homeowners policy called Earth Movement, there would be no coverage. This is where Mine Subsidence Insurance becomes important. Coverage offered by the State Department of Environment Protection states that mine subsidence refers to the movement of the ground surface as a result of the collapse of underground coal or clay mine workings; and mine workings refers to the roof, floor, or pillars within an underground coal or clay mine. Property limits up to $500,000 can be purchased to protect your dwelling.

Let Driscoll Insurance and Financials Services be your one stop shop for all your personal insurance needs. Give us a call today!

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