Author Archives: AgentInsure

Rodgers-Oliver-Polley Commercial Insurance

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It is hard work building your own business. You have to work longer hours and there is no one over you to bail you out or tell you what to do. However, this is the exact reason many of you small business owners went into business for yourself to begin with. You know how to rely and take care of yourself. Otherwise, you would never have dared to set out on your own.

One thing you have to take care of yourself is having to protect yourself from frivols lawsuits and other liabilities that can potentially destroy your business. There are lots of regulations and lawyers that can get in the way of your business success.

One way you protect yourself is by having the right commercial liability insurance. Different business have different liabilities, so you need to have a policy that is tailor-made for your unique business needs. You do this by picking the right insurance agency. These policies will protect you from ruin if you are sued.

For business in and around the Dunmore, PA a great way for you to get the right policy is by talking with the license agents at Rodgers-Olver-Polley, Inc. Our great agents will work with you to find the policy that is right for you. They will get to know you and your business and find your particular needs.

If you are a small business owner you need to visit Rodgers-Olver-Polley today. They will help give you the peace of mind in knowing that all you have worked for is protected. They can also help you look at your other insurance needs as well.

Don’t forget the importance of a good life insurance policy

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Having good life insurance not only means financial protection for your family is something should happen to you, but it can also make you feel much safer and more settled in the lovely community of Dunmore, PA. There is no reason to worry about future financial issues your family could face when you have the right insurance policy. Still, it’s crucial to make sure the policy you have is the best one for you, and that it will cover everything you want it to. If you are not sure about the policy you have, or you don’t have one at all, an agent can help you get what you need.

When you consider how much life insurance you should have, focus on the amount of money you would want to leave to your family along with the ages of your children and the kinds of expenses they may face in the future. Going off to college, for example, can be very costly. That may be something you want to be sure to provide for with a life insurance policy, in case something was to happen to you. Another significant cost for the future could be a loved one who is disabled or one who has a chronic or debilitating disease or condition.

Choosing to work with Rodgers-Olver-Polley Inc. means peace of mind and a great agent who can help you get the Dunmore, PA life insurance policy you need. You can talk to a knowledgeable agent who can help you decide on the best policy for your needs. It is not just about the amount of the policy, but also about the strength of the company behind it if your family needs to use that policy in the future.

How to Avoid Fender Bender Fraud in Dunmore, Pennsylvania

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No matter where you live, be it a big city or a small town like Dunmore, Pennsylvania, fender bender auto accidents inevitably happen. And most of these claims are solved very quickly and efficiently between the two parties and their insurance companies, like Rodgers-Olver-Polley, Inc. who serves the greater Dunmore area. However, some of these fender benders become larger lawsuits where one claimant is asking for a lot of money, due to mysterious injuries they suffered and wages lost from missed work, among other things. This is usually fender bender fraud and disproving these claims is often tough in court. So there are a number of things you can do to ensure this doesn’t happen if you are in a fender bender in Dunmore, PA and they are listed below.

TALK TO THE OTHER PEOPLE IN THE ACCIDENT

As soon as you have safely pulled over to the side of the road after the fender bender occurs, ask the other people if they are alright. If they say they are, make sure you write this statement down or clearly remember it. Then get all of their insurance information. This initial statement is critical to disproving an injury claim if the fender bender ends up in court, because most people don’t come up with lies after an accident occurs in the court’s eyes.

PHOTOGRAPHS AND VIDEO

Take as many pictures of the accident, or video if you can manage to take it, as possible. This will be incredibly helpful in disproving any injury claim for the fender bender in the future, as they can be presented in court. It is also a good idea to shoot photos of the other person in the accident to see if they are injured at that time.

NOTIFY YOUR INSURANCE COMPANY

The sooner you notify your insurance company, the better. This way they can prepare themselves against any claims that might come from the other party in the accident, keeping this fraud case from even getting going.

Advantages Of Home Insurance

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There are countless advantages to having home insurance when you live in Dunmore. Your home in PA needs to have a policy, even though it’s not required by the state. This is simply so you can enjoy peace of mind, and know that your home and family are safe.

While the state has no laws that state you need home insurance, your mortgage lender may require you to have a policy – and this will require proof of the policy. Many lenders will even add it into the total payment, which is part of your escrow payment.

Having home insurance means that if something happens, such as frozen water pipes that burst or storm damage where shingles have fallen off your roof, you can file a claim. These are worth thousands of dollars and the insurance company would pay for the damages, preventing this money from coming out of your pocket.

If someone became injured on your property, whether it was a contractor or a guest, they could sue you. However, with the right insurance coverage, it wouldn’t be something you have to worry about because insurance would step in to take care of it.

There’s also the potential for total destruction, such as what may happen with a house fire. You don’t want your home to suddenly be gone, because you don’t have the kind of funds to just replace it. However, you may simply have to pay a deductible and the rest would be taken care of by the insurance company.

Ultimately, it is going to be more cost effective to pay the premium on a homeowner’s insurance policy than it would be to pay out of pocket in the event you have something happen.

Contact us today at Rodgers-Olver-Polley Inc. so that one of our insurance agents can guide you through the process of finding the right home insurance policy for you and your family.

 

 

 

 

Don’t Throw That Away! Items to Recycle in Dunmore

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There’s too much trash in the world today, and we all contribute to the problem. To save yourself a little cash and make your greater mark on the environment, try recycling these common items in your home. 

Old Books, Junk Mail and Shredded Documents 

These things collect in our home, and when we get annoyed with them, we just want them out of the house. Just remember that it’s far better to turn all that paper or even old greeting cards or postcards into new materials. Don’t let these collect in landfills when you could just find a recycling facility and cleanse your conscious of creating more trash. 

Paper Plates and Party Cups 

Even with food stains still on them, you can recycle these items after a party. Just keep a recycling bin around so your guests remember not to toss it all in the regular trash. You can also compost paper towels, so give your garden a break while you cut down on your output. 

Electronics 

You can’t toss batteries into the trash, or throw away your old laptop in the same trash bag as your leftovers. Find a place to accept your old electronics in your area, so you know they’re not leaking acid and contaminating the water or the ground. Any light bulbs with mercury in them will also need to be recycled in a designated area. 

Cardboard 

Old boxes and any packaging material like cereal containers should go directly in with the recycling too. 

Taking Care of Your Home 

Rodgers-Olver-Polley Inc. serving Dunmore, PA encourages everyone to take good care of their home and the earth. If you need a new homeowners policy or are purchasing your first new home, then give us a call today for a quote. 

Should you save money by switching to regular gas?

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Even though gas prices have been dropping rapidly, it’s still possible to spend a big portion of your transportation budget on gas for your car.  If you drive a sports car or other vehicle with a complicated engine, then you have to purchase the premium gas that your car requires.  Often, though, many people who do not have any restrictions on the type of gas that they are required to use choose to use premium gas instead.

The reason for this is that many people believe that the premium gas will extend the life of their car.  Other believe that the car will perform better or that it will prevent build-up in their engine.  The truth, however, is that premium gas rarely has any noticeable effect on a vehicle.

Multiple studies have shown that premium gas does not extend the life of an engine that does not require it.  Some sports cars do not get as hot as “regular” vehicles, causing the impurities in “regular” gasoline to stick on the engine. In the vast majority of cases with regular vehicle, however, any “impurities” in regular gas are simply burned up.  They do not leave behind a residue or cause additional wear and tear on the vehicle. 

For most car owners, this means that the money they spend on premium gasoline is wasted.  While switching to regular will probably only save a few dollars a month, it is money that can go to pay for other things.

If you’re looking for more ways to bring your transportation costs down, you may want to think about calling the agents at Rodgers-Olver-Polley Inc.  They’re experts at finding their customers discounts on their auto insurance.  It may be possible for you to save hundreds of dollars a year on a new policy.

Tips for Avoiding Fender Bender Fraud in Dunmore, PA

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That sweet lady who you just bumped bumpers with might seem nice, but be weary because scams come in all sizes and shapes. You might not be able to predict accurately if a case may lead to fraud. However, you’ll be able to protect yourself by being cautious. 

1. Contact the Police

One of the first steps you should make is to contact the police. Let the cops make the decision who’s at fault and the severity of the collision. Their statements can hold up in the court of law and protect you from fraud. 

2. Take Pictures 

Your smartphone isn’t just useful for taking selfies. You can put it to practical use by take photos of the accident with it. This is especially important if the damages were minor. You don’t want the other party to do additional damage just to get more money out of you. Images of the person’s driver’s license, insurance and them are beneficial as well. Having pictures of the person will hold up in court if the individual is trying to claim injuries that couldn’t have arose from the accident.

3. Listen to What the Other Driver Says 

As soon as you talk to the other driver, make sure you’re listening carefully. Listen for the other person to say if the damage was already done to their car before the accident. Keep your ear open for the other party to say if they’re okay or not. Listen for the other driver to mention other injuries he or she had before the incident. These could all hold up in court and prevent you from being liable. 

To receive your free quote or learn more about protecting yourself from fraud, contact Rodgers-Olver-Polley, Inc. today.

Boost Your Gas Mileage

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We all want to save money where we can, and squeezing a few more miles out of your tank of gas is a good way to do so. Here are five do-it-yourself tips to put a few more miles between you and the gas pump.

1. Change your spark plugs

Spark plugs ensure smooth combustion to get your engine going. When they don’t work, those misfires occur more frequently, wasting gas in the process. If your spark plugs are slated for replacement every 60,000 miles, replacing them every 40,000 will boost performance and improve gas mileage.

2. Replace air filters

Air filters capture dirt and dust and let clean air flow into the engine. When they get dirty, older cars (before 1999) can experience as much as a 10 percent loss in fuel economy. Newer models have sensors that detect poorer air flow and cut down on fuel. Doing so hurts pick-up and power. Change your filter at least once a year and check it every time your oil is changed.

3. Keep tire pressure up

Even slightly deflated tires can have a poor impact on gas mileage. Make sure you know the manufacturer’s recommended inflation level and keep the tires at that rate.

4. Lighten up on the pedal

Speed really harms gas mileage. Keeping your speed close to 55 mph and using cruise control reduce aerodynamic drag and save more than a few pennies at the pump. Accelerating hard, particularly in stop-and-go traffic, is also hard on the wallet.

5. Fix the spoiler

The spoiler is there for more than style. It prevents air flow from reaching your car’s undercarriage, which also lowers drag. It also allows more air into your radiator and air conditioner condenser, putting less strain on the electrical system.

The kind of car you drive has a lot to do with the fuel mileage you get and the insurance options available to you. Let the talented agents at the Rodgers-Olver-Polley, Inc. insurance company see if they can save you money on your car insurance today.

Show Your Community You Care by Giving Back

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We all take so much from our community. From the beautiful streets and parks to the community services offered, Honesdale, PA is a fantastic place to live, raise a family and call home. Wouldn’t it be nice to show your community you care by giving back? There are many ways you can do this, and by doing so you can join Rodgers-Olver-Polley Inc. in making sure the community and surrounding area is a special place for all families. 

Community Pick-Up Services

There are community clean-up services conducted annually, typically in the spring, designed to clean up the parks and other local properties within the city. Here, you can bring out the entire family and go to work cleaning cleaning up the area around you. This way, you can put your own special touch on the community while giving back and showing you care.

Help with the Shoveling

Do you have an elderly neighbor who struggles shoveling their driveway and sidewalk during the winter months? It might take a few extra minutes out of your day, but offer to shovel their driveway during the winter. It might not seem like much but they will greatly appreciate it, make life a bit easier on them and will truly put a smile on their face. 

Help the Kids

There really is nothing more rewarding than giving back to children, and there are so many ways you can do that. You can donate time at an after school program, the Boys and Girls Club, sign up to become a Big Brother or Big Sister, offer to help coach a youth sporting team or tutor children who are in need of some extra attention. There are so many ways you can give back to the community by helping the local youth. 

3 Tips for Being the Perfect Housesitter

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Watching someone else’s property can be a great way to break routine, try something different, and help out a friend for a bit. But how do you know what you should (and shouldn’t) be doing while staying in another person’s home? Here are three tips for being the perfect house sitter.

#1: Find Out Expectations Ahead of Time

Keep things absolutely clear from the beginning by finding out about any expectations your host has while they are gone. If they want you to water plants, take the trash cans out to the curb, or even take care of animals, it is important to know ahead of time. In addition, you’ll want to find out about any requests they have for handling landline phone calls or unexpected visitors. Try to cover as many bases as you can to ensure clarity on both sides.

#2: Respect Boundaries

Respecting boundaries is also important. If the homeowner asks that you don’t go in a certain room or have guests over, follow these guidelines. Also, remember your basic manners. Rifling through drawers or looking through the medicine cabinet is generally considered a faux pas of house sitting. Imagine what rules you would want followed if someone was staying in your home and stick with them.

#3: Go Above and Beyond

One of the easiest ways to be the perfect house sitter is by simply going above and beyond. Nobody likes coming home to a messy house, so try to keep the place as neat or neater than it was when they left. Change sheets, put away any dishes, and generally try to make everything look as good as possible before turning your key in to your host.

Homeowners that are looking to hire a house sitter also have one thing they need to consider—insurance coverage. Before leaving town, it is imperative that you have a policy that suits your needs in case an unexpected event occurs while you are away. For your free quote, please contact our team at Rodgers-Olver-Polley, Inc.