Waller Insurance Agency provides coverage to the Lancaster, PA community. We strive to make sure that our clients are protected when an emergency arises. We have relationships with multiple carriers throughout the East Coast. This allows us to offer flexible policies based on the individual needs of our clients. We are confident that we can help you protect your assets.
How Your RV Coverage Is Impacted By Natural Disasters
Many Lancaster PA residents enjoy riding around the city and abroad in their RVs. RVs are unique assets. You can rely on RV insurance to cover you while you travel. Collision coverage protects your RV if you collide with another vehicle or object. Liability insurance is another important part of your policy. RVs are relatively high-risk vehicles to operate. You are covered if you accidentally cause damage to someone else’s property. Personal Injury Protection covers any bodily injuries that may occur. Comprehensive insurance covers you if your vehicle is stolen, as well as your personal items inside the RV.
As you’ll likely spend a lot of time exploring nature in your RV, it’s important to look at the potential of natural disasters. Severe natural disasters such as hurricanes and tornadoes have the ability to completely total an RV. If you’re traveling in your RV while severe weather is approaching, you should seek shelter immediately. Before you hit the road, have your RV inspected for safety concerns. Inclement weather can damage your RV electrical system. All of your fuel systems and batteries should be completely safe. Try to avoid traveling to coastal areas that are prone to severe weather. Locate the nearest garage. Your RV should be safe there as long as you park it so that the dangerous winds will hit the back of your RV. If you have your RV in storage while you aren’t using it, add storage coverage to protect your vehicle if something goes wrong.
Waller Insurance Agency Will Help You Protect Your Assets
Visit our website to learn more information about RV insurance.
Waller Insurance Agency provides coverage to the Lancaster, PA community, as well as the surrounding areas. We want to make sure that our clients are prepared for whatever issues life may bring their way. We will sit down with you and assess your personal situation. We work with multiple carriers to ensure that you receive the right policy.
Why Pennsylvania Motorcycle Riders Need Storage Coverage
Hundreds of people throughout Pennsylvania enjoy riding motorcycles. However, it’s important to stay protected on the road. You are likely aware of the risks associated with operating a motorcycle. One crack in the road can cause a serious injury or potentially fatal consequences. Motorcycle insurance provides a safety net as you travel around Lancaster, PA.
Motorcycle insurance covers any damage to the vehicle during a collision. Any injuries to another party are covered through liability protection. If you opt for comprehensive coverage, you are protected if the motorcycle is stolen or an accident happens, such as a fire or a flying object hitting the motorcycle.
In addition to protecting yourself on the road, consider the times when you aren’t riding your motorcycle. An accident can occur at any time. Maybe there is inclement weather passing through the area, and a tree falls on your property, damaging the storage unit that your motorcycle is inside. If you have storage coverage, you are protected if disaster strikes. Even if your motorcycle is locked away, it may still be at risk of being stolen or damaged. You may believe that coverage isn’t necessary when you aren’t riding your motorcycle regularly, but that could be a potentially serious mistake.
Waller Insurance Agency Will Help You Find The Right Policy
Visit our website to learn more information about motorcycle insurance.
Driving a car is a necessity for a lot of people in the Lancaster, PA area. If you are looking to purchase a car here, it will make it easier for you to get around town. However, this will come with some responsibility. One thing that all drivers here need to do is get a quality auto insurance plan.
Insurance is Required for State Compliance
One reason that a driver in Lancaster needs to have an auto insurance plan is to remain in compliance with state requirements. Those that want to drive a car in this state have to maintain liability coverage at all times. This coverage is important as it can help to ensure that you can pay for restitution if you cause damages in an accident. If you do not keep this coverage, you could be penalized for violating the law.
Insurance Protects Car
Beyond the importance of staying in compliance with state law, you will also want to get an auto insurance plan because it can protect your car. Buying a car is a major investment and is one that you will rely on in the future. With a full collision and comprehensive auto insurance plan, you will get the coverage needed to repair or replace your vehicle in the future.
Anyone who needs an auto insurance plan in the Lancaster, PA area should speak with someone who is experienced and that you can trust. The team with Waller Insurance Agency is a great option when you are in the market for a new plan. If you call Waller Insurance Agency, you can receive answers to all of your questions and get the right guidance needed to choose a new insurance plan.
Home insurance offers a lot of protection. Events like theft and fire are among the things that are covered. Your insurance covers your home and contents, and you are protected from lawsuits by your liability coverage. Home insurance can provide a sense of security, and you may feel like nothing can harm you. That isn’t quite true as there are a few things home insurance won’t cover. At Waller Insurance Agency in Lancaster, PA, we take the time to get to know our customers and find the right policy to meet their needs and budget.
Many people get a very unpleasant shock when they fall victim to flooding and then realize their home insurance will not pay for the damage. Even one inch of water inside your home can cause thousands of dollars of damage. Flooding that isn’t covered doesn’t include a broken pipe in your home. It must be water that originates outside the home.
Your content coverage on your home policy will have limits on specific types of items covered. This includes jewelry, art, and antiques. If you purchase or receive these items as a gift, you should provide your insurance agent with an appraisal and purchase a rider to cover the increased value.
This type of exclusion includes earthquakes, sinkholes, and mudslides. You can obtain coverage by purchase an additional policy or a rider to your current policy.
Lack of home maintenance
If you don’t maintain your home, any resulting damage is going to be denied. If termites invade your home, you are responsible because you could avoid the infestation by having your home treated. If your roof is old and needs to be replaced and you put it off, your home insurance won’t cover the damage caused by a leak.
Contact Waller Insurance Agency in Lancaster, PA for all your home insurance needs.
If you’re about to purchase a house in Pennsylvania, you’ll want to know about home insurance. A qualified independent agent from Waller Insurance Agency of Lancaster, PA will be able to help you determine what you need for optimal protection.
Do You Need to Get Homeowners Insurance in Pennsylvania?
It’s not actually mandatory that you have home insurance in the state of Pennsylvania. However, you may be asked to do so by the bank or lending institution for your mortgage. Oftentimes, they’ll require that you get coverage for at least the amount of your mortgage.
Even though you don’t need to have homeowners insurance, it’s definitely a good idea to have it in place to offer protection for your home and personal property. Different policies have different protection levels, such as coverage amounts and what they’ll cover, so it’s best if you talk to your agent at length about what each company offers. Also, it’s a good idea to shop around the different insurance companies your provider works with.
Personal Liability Under Home Insurance
This type of policy protects you, relatives who are in your house, and residents in your household who are under 21 years of age if you’re sued and determined to be legally responsible for actions (or negligence) leading to damage to their property or physical injury. It also applies to students under 24 years of age and is enrolled full-time in school or college as long as they meet the criteria.
If you’re looking into home insurance in the Lancaster, PA area, don’t hesitate to reach out to us at Waller Insurance Agency. We’re pleased to assist new and returning customers with their insurance questions and set you up with the ideal coverage.
Waller Insurance Agency serves the Lancaster, PA community by offering residents a wide variety of insurance coverage. We strive to help our clients find policies that suit their individual needs. We want to help you plan for whatever life has in store for you.
Lancaster, PA is home to several beautiful rental properties. If you are staying in a rental property, renters insurance can give you peace of mind that your personal items are secure. Renters insurance is the only way to fully cover your personal items if a disaster were to occur.
The policy covers you in case a fire or natural disaster damages your personal items. A natural disaster can cause a lot of damage in a short amount of time. That’s why it is important to have protection. If your rental property is severely damaged, you can amend your policy to cover you if you have to stay somewhere temporarily while your rental property is being repaired.
You are also covered if your personal items are stolen or vandalized. Consider taking inventory of all of the personal items inside of your apartment. This will help you in the event of theft. If you have any special luxury items in the unit, you’ll have to amend your policy to cover those items if something happens. Consider getting the items appraised to determine their true value.
Liability coverage is also an asset. Liability coverage will protect you if you invite someone over, and one of your guests suffers an injury. If you have a pet that bites someone or causes damage to someone else’s property, you will also be protected. If something happens to your personal items while you are away from the unit, you are still covered.
Consult With Waller Insurance Agency
For more information on renters insurance, visit our website today.
Want your car to look, feel, and smell new again? If you’ve been super busy and let your car go, this could have many negative effects, such as poor performance, wear and tear, and more. Regularly cleaning and maintaining your vehicle is not only smart, but it also saves you in the long run. Read on to learn more about easy tips for ongoing maintenance brought to you by Waller Insurance Agency, serving Philadelphia and Lancaster, PA.
1. Inside/Outside Cleaning
Make it a point to regularly drive through the car wash and clean the car’s inside, polishing it to a shine and vacuuming out all the dust and debris. This will keep your car in mint condition and add to its resale value. Tip: When you stop for gas, take a minute to empty any trash you have in your vehicle.
2. Oil and Fluid Change
The standard recommendation for changing your oil and fluid is every three months or three thousand miles. Don’t let this go. You never know when you might be too busy for a quick stop and find your engine is low on oil and performing poorly. If it runs out of oil, you could blow the engine. Fluids are also vital to keep up on; they keep everything running smoothly.
3. Protection from the Elements
Pennsylvania winters can be harsh. Your vehicle feels the brunt of it while traveling on treated roads. When you’re at home, give your car or truck a break from the elements. Keep your car in the garage no matter the season, and your vehicle will stay looking new for longer.
To learn more about auto maintenance and insurance, contact the team at Waller Insurance Agency in Lancaster, PA today.
With an abundance of lakes, campgrounds, and outdoor beauty, Pennsylvania is like a playground for RV enthusiasts. Given that an RV is essentially a home on wheels, not only are they expensive to purchase, but also they can be expensive to repair. Consequently, having adequate RV insurance is a must both to protect your investment, but also other folks on the road. Similar to auto insurance, Pennsylvania law requires that your motorhome has RV insurance coverage with at least the state minimum in coverage for medical benefits, bodily injury liability, and property damage liability. Given the size of an RV, even just a small accident to another person’s property or person can result in significant monetary damage, so having high enough liability coverage to protect the totality of your assets and spare you from unnecessary out of pocket expenses is important. Consequently, you can set your coverage limits far above the Pennsylvania state minimums to ensure you do not have to pay anything after an accident. If your motorhome is financed, in addition to state-required liability coverage, your lender will likely require you to have both comprehensive and collision coverage.
While the above rules apply for recreational motorhome enthusiasts, if you use your RV as your primary dwelling throughout the year, you will need full-timer coverage. Acting similarly to home insurance, full-timer coverage provides additional liability for incidents that occur inside your RV and can be outfitted with extra coverage for your belongings. When shopping for your RV policy, be sure to give the professional team at Waller Insurance Agency in Lancaster, PA a call. Our talented insurance professionals know the industry like the back of their hands and will work to customize an RV policy that exceeds all of your needs.
Before you hit the road with your RV, you must make sure you have all the required insurance. What type of RV insurance you need in Lancaster, PA depends on the kind of RV you own. Not all RVs require special RV insurance. At a minimum, liability insurance is what you are mandated to have as you would be with any vehicle on the road in Pennsylvania. At Waller Insurance Agency, our job is to make sure that our customers are legal when they drive their vehicles on our streets. In Pennsylvania, you must carry liability insurance of $15,000 per person in personal injury and $30,000 per accident and $5,000 in property damage.
If you have an RV that fits in the bed of a truck, you will not need any additional insurance beyond what you are mandated to carry on the truck itself. The same is true for a camper that you tow. But, it is risky to go without additional insurance since things do happen that could damage your camper, and the repair would be out of your pocket.
Having an RV that you use as a home for part of the year also comes with additional risks. You need to have coverage for the interior of the RV, which is your home, against the potential of theft and vandalism. The good news is, you don’t need to have full coverage on your RV all year if you are only using it for a few months of the year. For the rest of the year, you can have minimum comprehensive coverage that will protect it in your yard from damage or theft.
RV insurance coverage can be confusing. At Waller Insurance Agency in Lancaster, PA, we understand RV insurance and will happily explain everything you need to know to have peace of mind. Give us a call or stop by our office.
If you love to cruise the Lancaster, PA roads on your motorcycle, then it’s important that you have the right coverage to protect you and your bike. You may think that just because you don’t drive your motorcycle as often as you do your car that you don’t need motorcycle insurance. However, having even the bare minimum of coverage could be the difference between handling a situation smoothly vs. costing you a fortune or worse. Learn all about the in’s and out’s of motorcycle insurance with Waller Insurance Agency.
What Does Motorcycle Insurance Cover?
Motorcycle insurance provides you with financial protection in the case of an accident where your bike or someone else’s property is damaged. To help you better understand how you can be protected with motorcycle insurance, here are some areas in which motorcycle insurance provides coverage:
- Repair costs
- Property damage
- Medical costs
These are just some of the areas in which motorcycle insurance provides coverage. To help you find out what coverage type would be best for you, visit Waller Insurance Agency for a consultation.
Why Get Motorcycle Insurance?
Just because you don’t drive your motorcycle everywhere doesn’t mean it’s not worth insuring. Accidents happen when we least expect them, which is why we call them accidents. It’s always better to have coverage and never need it than it is to not have coverage and find yourself in dire need of it. Stay protected and stay smart with Waller Insurance Agency.
Get Protected with Waller Insurance Agency
To help you stay protected on the Lancaster, PA roads, visit the experts at Waller Insurance Agency. We are here to help you find reliable insurance coverage. You can visit our office or contact us online. Let us help you stay protected!