Insurance Tips

YOUR AUTO INSURANCE OPTION DO YOU KNOW THE DIFFERENCE? By Heide Peters, Agent Rothenberger Insurance Services, LLC The difference between full tort and limited tort insurance is that a driver with a full tort insurance policy retains the right to sue another (at fault) driver for pain and suffering. A driver with limited tort insurance gives up that right. Although there are a few exceptions to be able to sue with limited tort, in the state of Pennsylvania you must be very seriously injured to sue with limited tort. Serious meaning, permanent disfigurement, dismemberment, serious impairment of body function, or death, which is decided byRead More →

We’re full swing into summer and that means lots of picnics and events with your family and friends. Whether you’re hosting a picnic or attending it, food safety is important! Here are a few tips to remember. Cook To Proper Temperatures For meats, you want to make sure you’re cooking to the proper temperature before serving. Know what that temperature is and use a food thermometer to ensure you reached that minimum internal temp. Be Aware of Foods and Temperatures If you have the ability to keep foods indoors, that is strongly recommended. If not, be aware of the food that is at the picnic.Read More →

Summer is here and chances are you have a few fun months planned! Before hopping right into your plans, make sure you’re prepared in a few ways. Insurance Depending on what you have planned this summer, there are some insurance policies you want to make sure you have or are up-to-date. Check out our past blog to find out what they are. Protect Your Home Going away this summer? According to the FBI, a home is burglarized every 13 seconds in the United States. Review a few tips from one of our past blogs to help reduce the risk of theft happening to your house.Read More →

Motorcycle insurance is something you need if you have a motorcycle. We can help any individuals throughout berks county find the right motorcycle insurance.

Have you been thinking about buying a new motorcycle and finally went through the process? That is great! Now before you hop on it and take it for a spin, you need to make sure you’re insured. Similar to protective gear, such as a helmet, insurance is a must.  Why do I need it? Similar to automotive insurance, motorcycle insurance is required by law. Along with that, it can protect you in the event of an accident that may cause property damage to another individual. It also can help cover medical bills. As well as, theft and damage from vandalism.  What type of coverage doRead More →

Prepare your family for a fire. Make sure you have Homeowners Insurance.

With everything that has happened over the past year, one thing many of us have learned is to be prepared! You never know when a disaster, such as a fire, is going to strike and making sure your family has a plan is important. With that in mind, is your family prepared should a fire happen? While everyone should have smoke detectors and carbon monoxide detectors, not everyone actually prepares their family with a plan in the event of a fire. Let’s discuss what you should do to prepare: Create an escape plan for each room and discuss possible alternatives. Have a location outside whereRead More →

With life insurance, there are essentially two different policies which are term life and whole life. We wanted to review the two different policy options. Term Life Insurance Term Life Insurance is in essence its name, it lasts for a certain amount of time and then expires at the end of the term. Should you die before the term is up, your beneficiary would receive a death benefit. The money you pay into your term policy goes towards the death benefit. Term Life Insurance is more affordable than whole life and the premiums are generally a lower cost. Should you live past the length ofRead More →

Have you ever been on the road and saw a vintage or classic car going past you? It’s enough to make you turn your head and lose focus for a second or two. If you’re looking to purchase a classic car, you need classic car insurance. We want to run through how it’s different from average automobile coverage and what it covers. Classic car insurance was specifically created to cover the big investments owners may put into their classic vehicles. Although, classic car insurance has certain requirements that must be met to have it available at your disposal. A few of the requirements will include:Read More →

wheel of a white car stuck in the snow

The cold, winter months can bring snow, ice, and sleet, all of which can cause havoc for drivers. It is important to be prepared and know the basics of driving in bad weather. In this month’s blog, we wanted to review some driving tips. Adjust Your Speed When the roads are slippery and slick, it’s important to keep an eye on your speeds. Adjust them accordingly and if you’re on a multiple lane highway, avoid passing other cars at accelerated speeds. If You Can, Don’t Stop This does not mean run through red lights or stop signs. But if you can avoid completely stopping andRead More →

Rothenburger Insurance Services LLC provides homeowners insurance, commercial insurance, auto incurance, renters insurance, and more to the Wyomissing, Reading, and West Lawn areas.

When was the last time you reviewed your insurance coverage? If it’s been a while, now may be the time to review. Here is why… Lower Rate It is always encouraged to review your insurance and price shop to find out if there may be a better price out there. With insurance, most times, every year it will go up in price. Because of this, coming in as a new customer with a different insurance company could help reduce your rate. Coverage Isn’t Enough Have you done remodeling or additions to your home? If so, you need to review your insurance. Renovations can increase theRead More →

safe holiday shopping

Due to COVID-19, many more individuals will be doing their holiday shopping online. Chances are, many more scammers or identity theft issues may happen. Now more than ever, being aware of the sites you are shopping on is important. Let’s review a few things to be aware of with online shopping. Is the site secure? The first thing you want to check when coming onto a site is that it is secure. You can determine that by checking if the padlock is closed at the front of the URL and it says HTTPS, not just HTTP. If the padlock is not closed and there isRead More →