Monthly Archives: March 2015

Is A Sinking Foundation Something That Can Really Happen?

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Dunmore, Pennsylvania is close to the metropolitan area of Scranton. The population is around 14,000 and has been increasing slowly over the past several years. The area is known for mild summers and cold winters and it’s common to see snow during the winter months.

A sinking foundation is a relatively common issue, though it varies from home to home. This is something to be aware of as you purchase homeowner’s insurance because your policy should have the necessary coverage.

There are various reasons for why your porch or foundation could be sinking. It may have to do with soil compaction, site preparation, as well as poor drainage around the home. You probably won’t notice anything the first few years of being in the home, but over time, you could start to see cracks around the base of the home.

With the winters filled with snow and the summer months with some rain, homes in Dunmore have been known to experience sinking foundation. If you are aware of this ahead of time, you can be sure your homeowners insurance policy is written in such a way that it protects your home in the 18512 area.

You would be able to place a claim with the insurance company and an adjustor would come out to view the damages. From there, you could have the repairs made and the majority of the money would be covered by the insurance company. You would just have to pay the deductible.

We have agents to help you figure out the risk of a sinking foundation in Dunmore and answer any questions that you may have. This will ensure you can enjoy peace of mind knowing your home is covered for anything that may happen. Call and speak to an agent today.

Understanding the Possible Consequences of Driving Without Insurance

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When it comes to being a responsible teenager or adult, you must make sure that you are protected in all ways possible, and this includes purchasing car insurance.  Fortunately, one of our highly-trained insurance agents serving the 18431 area can help you find the best policy according to your needs, preferences and budget. 

If you choose to drive without insurance, you face the risk of being pulled over and cited for a traffic violation.  Court cost alone can be more than the average expense of monthly insurance.  Plus, not having insurance and having to go to court means you'd likely have to miss a day's worth of work.  You're looking at several hundred dollars that will be lost — court cost, fines, loss wages — all because you chose to drive without insurance.

It's also important that you have insurance because you never know when you might be involved in an accident.  And if the accident turns out to be your fault, you could easily be liable and sued for any damages that occur.  Medical and property expenses alone can easily total to more than $50,000.  Do you have $50,000 sitting in the bank to cover a car wreck?  Probably not, and this is why having insurance is of the utmost benefit.  

Lastly, having insurance can help you secure a rental car if you can't drive your car after being in an accident.  Also, keep in mind that if you wreck your car at the fault of someone else and they don't have insurance, then your policy will be important because it will possibly pay for the damage and medical expenses even though the accident wasn't your fault. 

If you would like more information about buying an insurance policy in Honesdale, Pennsylvania, contact us today.  We can provide you with free quotes to make sure you get the best policy possible.