Insurance Tips

safe holiday shopping

The holiday season is upon us! While you already may be in full swing with all of the hustle and bustle, we wanted to take a few moments to share some holiday safety tips with you. Decorating Tips Before you start decorating your house, you want to remember these tips. Lights: Before you start hanging the lights, inspect them to make sure they are still in working order. If anything is damaged or loose, do not use! Replace them right away. Electrical Outlets: Avoid overloading your outlets. Be aware of how many plugs you need to plug in and what outlets you are using. LimitRead More →

We are excited to announce that we were recently selected as a premier agency for Erie Insurance! With this addition, we now have more than 23 insurance companies that we work with. This is huge for you, our clients, because it gives us the ability to offer you competitive plan options. Through Erie Insurance, we’ll be able to offer all of their insurance options including their home, auto, life, and business insurance. They are known for offering not just the coverage with their insurances, but so much more! And, we are thrilled to be able to offer their insurance. Erie Insurance is a premier insuranceRead More →

by Heide Peters, Insurance Agent AUTOMOBILE INSURANCE DEDUCTIBLES First of all, you must understand, if you do not carry collision coverage on your automobile insurance policy, and you are AT FAULT in a car accident, your vehicle will not be covered by your insurance company. If you are NOT AT FAULT, if possible, it is best to report the claim to the at fault person’s insurance company. The reason is, you will be trying to get your deductible back, and if you can go through the at fault person’s insurance company, your deductible will not come into play. The deductible is the amount of moneyRead More →

The new school year is almost here. Since most schools are going back to in person this year, the memories of rushed mornings are probably going through your head. Why not start a new routine this year to keep that morning stress and rushing around away? To get you into this routine we have created a checklist. Getting Ready For the School Year Create or clean up a designated spot for bookbags, shoes, jackets, and anything else they may just drop when they walk into the house. Make sure they are prepared with the appropriate items for the school year. Research and save protein-packed lunchRead More →

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 →