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Waller Insurance Agency

2938 Columbia Ave
Unit 1101
Lancaster, PA 17603

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Do I need to carry RV insurance in Lancaster

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.

Why You Should Have Motorcycle Insurance

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: 

  • Theft
  • Damage
  • Repair costs
  • Injury 
  • Liability
  • 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!

Why You Should Have Motorcycle Insurance

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: 

  • Theft
  • Damage
  • Repair costs
  • Injury 
  • Liability
  • 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!

What are the Auto Insurance Requirements and available coverage for Pennsylvania drivers?

If you are a motorist in Pennsylvania, you need to have a minimum amount of auto insurance coverage. If not, you may very well end up with a ticket and fine to pay of around $300. You can even lose your driver’s license for three months, along with your vehicle’s registration and license plates.

As a driver in Pennsylvania, you are required to have at least the minimum amounts of coverage while you are heading down the highway, which includes liability insurance and first-party benefits.

To meet the requirement for bodily injury liability coverage, you must have at least $15,000 per person and $30,000 per accident and at least $5,000 of property damage liability coverage. You must also have a minimum amount of $15,000 per person and $30,000 per accident of uninsured or underinsured insurance. This means if you are involved in a crash that the other driver is deemed to be at fault, but that person does not have any insurance coverage, or very little, this part of your policy will then cover your injuries or those of your passengers.

First party benefits of $5,000 minimum are also required for Pennsylvania drivers. This type of coverage will pay the necessary medical expenses that you or your passengers sustain in an accident in addition to the underinsured amount. You can also create a policy that covers collision, comprehensive, and even towing and rental car fees.

To create the best policy for you and your situation, you will need to enlist the assistance of an experienced auto insurance agent to guide you. Contact one of the trusted and skilled auto insurance agents at Waller Insurance Agency in Lancaster, PA today to start your policy.

Does Condo Insurance Cover Communal Areas in Pennsylvania?

You already know that your condo insurance covers your expensive leather jacket, sofa, and shoes. You designed your coverage specifically so that it would cover all of your property. But what about the areas you share in Lancaster, PA? Will you need to file a claim if the walkway outside your condo is damaged or the carpeting is ruined? Waller Insurance Agency is here to help you understand the facts, so you know what you’re getting into. 

Every Condo Is Different 

When it comes to communal areas, every complex has its way of doing business. However, for the most part, you can expect the property to have a master insurance policy, one that will cover anything from the pool to the grounds. When it comes to standard repairs (ones that don’t fall under a standard insurance policy), the complex may offer condo owners an option of how to pay for the costs. 

Getting Involved 

Whether you have an official HOA or not, it can help for condo owners to be more involved in their insurance policies. Just because a master policy exists, doesn’t mean that it covers everything it needs to include. And since the value of your condo in Lancaster, PA is tied into the value of the entire complex, it may help to find out more about the protections it has. 

If you have questions about how your condo insurance works and how you can protect both your property and the communal areas, call Waller Insurance Agency today. We can not only help you keep your policy up to date, but we can also let you know when it’s appropriate to start asking questions about the more substantial policies that protect your property. 

Why create a home inventory

Lancaster, PA is a popular place to visit, and the Amish have an important presence in the area. It is also a great place to live with the rolling countryside and plenty of local businesses to provide all the services that are important to you. At Waller Insurance Agency, we are locally owned and operated, and as independent agents, we can offer insurance products from more than one carrier. We represent many top carriers. This allows us to customize our customer’s policies to their particular needs and wallet. 

When it comes to why you should create a home inventory, the best advice we can give is that it will help you to have peace of mind. No one wants to contemplate the prospect of having their home damaged or destroyed. Unfortunately, bad things do happen even in idyllic places like Lancaster, PA. A home inventory is a detailed listing or video of all of your possessions. After a covered event has occurred, you will need to let your insurance carrier know what you have lost. Consider the trauma of losing everything that you own. The last thing you will want to do is sit down and try to remember all the things that you had. You may think you could remember, but chances are, you are wrong.

By creating a home inventory now, you will save yourself lots of stress when you make a claim for losses. Make your inventory as detailed as possible and attach any receipts that verify what you are claiming. You should also have an appraisal for any valuable items. 

Everyone hopes they will never need to use their home inventory, and an ounce of prevention is worth a pound of cure. A home inventory will help to make sure that the whole claim process runs smoothly. At Waller Insurance Agency, we are here for you for your home insurance questions and needs. Give us a call or stop at our office in Lancaster, PA for a no-obligation quote.