Does Homeowners Insurance Cover All Rain Damage?

As a homeowner in Pennsylvania, rain is something you’re used to. When the rainstorms come in, you may be wondering how – or even if – your home insurance will be able to step in to help if the worst happens. Here is what you should know about your home insurance coverage.


What happens when rain causes flooding?

While most leaks are typically covered under a standard home insurance policy, if the leak had created a flood in which there is standing water, the disaster would not likely be covered. Most standard policies do not cover flooding due to the severity of the damage and high costs involved. For insurance coverage for flooding, you must acquire a separate flood insurance policy.


Does homeowners insurance cover other damages from rainstorms?

Depending on the severity of the rainstorm, many other types of damages can occur to a home, including storm, wind, and hail damage. Typically, homeowners insurance covers the damage caused by these natural disasters. That means if rain comes in through a window and damages your belongings or floods your property, you can turn to your home insurance for assistance.


If storms come in and rain damage causes your roof to develop a hole and your belongings get water damage, your home insurance company will help to cover repairs. They will not help, however, if the roof had prior wear and tear or if you neglected to prevent damage.


Common disasters that are not covered by home insurance include wear and tear, such as clogged gutters and drains, rotten roof shingles, and rusty pipes.


Do you have additional questions about your home insurance?  If so, then contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is eager to assist you with all your coverage needs today.

What If I’m Late With My Auto Insurance Payment?

Buying life insurance in your 30s is often one of the most practical and affordable times to financially protect your loved ones. Yet, so many people overlook the importance of securing such protection. After all, you may be distracted with bills to pay, a career to consider, and life to enjoy. However, there are many smart reasons why you should secure life insurance in your 30s.


You have a family now.

In your 30s, you may find yourself buying a house, getting married, or starting a family. You may already have plenty of financial responsibilities. If you have dependents who rely on your hard work and income to survive, then you need a life insurance policy that will step in to help when you are gone. Life insurance can be used to pay for the mortgage, child care costs, everyday living expenses, and more.


Your family needs money for funeral expenses.

Believe it or not, but the average funeral ranges from $7,000 to $10,000. Unless you know your family could handle this sort of expense without a blink of an eye, then life insurance is incredibly important. This valuable coverage can help your family pay for your funeral, leaving them to process their grief without worrying about money.


Life insurance gets harder and more expensive to purchase the older you get.

Your health plays a significant role in your ability to get life insurance and the rate you pay for it. Healthier, younger adults pay less than older people with health conditions. In short, the younger you area, the better it is to secure a policy. The longer you wait to apply for coverage, the greater your chances that you’ll develop health issues that will result in higher premiums.


Are you looking for customized insurance policies covering all your personal needs? Contact the experts at Miller Carlisle Insurance Services. Our dedicated team is eager to assist you with all your coverage needs today.


Common Reasons Why Your Home Insurance Claim Would Be Rejected

More and more people are embracing modes of personal transportation, such as cars, to keep them mobile for work and leisure. As it’s a large investment, it’s sensible to cover your vehicle against unfortunate incidents by purchasing car insurance. However, when multiple incidents occur close together and you decide to file a claim, what happens to your car insurance? Is there a limit to how many car insurance claims you can make in a year?


Most insurance companies have no specific limit for general claims. As long as you are making the regular premium payments on time and are only filing due to legitimate problems, then you shouldn’t have a problem filing multiple claims in a year.


However, many insurance companies do have limits on at-fault insurance claims. If you have two or more at-fault insurance claims in a three-year period, then your insurer will categorize you as high-risk, and your premiums may increase as a result. If they think you are too high-risk, when it comes time to renew your policy, they may drop you from coverage. Even if you file multiple claims within a week of each other in the three-year window, your insurance company will treat them as multiple claims on your record.


Remember that with each claim you file, you will need to pay your deductible first before your insurance can step in to help. If your deductible is $1,000, you will need to pay this first so then you can claim compensation.


It’s true that there are no limits to the number of car insurance claims that you can make throughout your p0licy. However, in certain situations, not claiming car insurance would be the best option. Generally, if the deductible is higher than the repair expenses, it is not worth filing a claim. Keep in mind that the more claims you file, the more your insurance premium may increase.


Consider your auto insurance claims before filing them. Do you have additional questions about your car coverage? Contact the experts at Miller Carlisle Insurance Services. Our dedicated team is eager to assist you with all your auto insurance needs today.

What Differentiates Personal and Commercial Auto Insurance?

Understanding commercial auto van

If your company owns vehicles or requires employees to drive on the job, then you need to protect your business with the right commercial auto insurance.  But what is this coverage, and what makes it different than personal car insurance policies?  Here’s what you need to know.

Personal vs. Commercial Auto

When you compare personal and commercial auto policies, you’ll notice that both types of insurance offer similar forms of coverage.  For instance, both personal and commercial auto policies will offer coverages such as collision, comprehensive, bodily injury liability, property damage liability, medical payments, and so on.  The main difference between these two types of insurance is the amount of coverage that they offer.  Because businesses face higher liability risks and have more assets to protect than individuals, commercial auto policies offer higher coverage limits and are designed to cover more complex legal issues than personal policies are.  Additionally, because businesses can use standard cars, vans, and even delivery trucks, commercial auto policies are designed to cover a wider array of vehicles than personal car insurance.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance is designed to cover accidents that occur when you or your employees are using a vehicle for business purposes.  While this coverage obviously encompasses company-owned vehicles, it can also extend to your employee’s personal vehicles that they are using for business-related purposes.

Who Needs Commercial Auto Insurance?

Any business that routinely uses vehicles to carry out operations needs commercial auto insurance.  This includes businesses that handle the following:

  • Transporting goods or equipment
  • Delivering goods or services
  • Driving around clients or employees
  • Renting out company vehicles for client use
  • Hauling work-related loads
  • Towing trailers used for business purposes

Securing the Right Commercial Auto Insurance

Because heavy vans and trucks will cause more damage than standard vehicles in an accident, these types of vehicles face higher liability risks.  If your business owns vehicles that weigh more than five tons or haul more than one-ton loads, you require special commercial insurance coverage.  Vehicles that fall into this category include minibuses, cement mixers, semi-trucks, and tow-trucks.

This is what makes commercial auto insurance different than personal policies.  Do you have additional questions about your business’s insurance?  If so, then contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your commercial coverage needs today.

Business Insurance for Start-Ups

What new business owners need to know about commercial team at work

If you are getting ready to launch your business, then you are probably excited to see everything that you have worked towards come to life.  Naturally, the last thing that you want is for a damage event or liability issue to hurt your company before it even has a chance to accomplish anything.  This is why it’s so important to protect your company with the right commercial coverage.  Not sure where you should begin with business insurance?  Then here are some of the things that you should know.

Why You Need Coverage

First, it’s important to understand why you need to secure insurance for your business.  In the simplest terms, business insurance is designed to protect both your commercial and personal assets.  Your commercial coverage offers financial protection in the event that your business sustains damage or is on the receiving end of a liability claim.  Your coverage can help you pay for repair costs, compensation expenses, legal fees, and so on.  Without the right commercial insurance in place, you would have to cover the full cost of business damages and liability issues out of your own pocket.  This, in turn, could compromise your business’s revenue and even your personal savings.  This is why it’s so important to have the financial protection that only commercial insurance can offer.

When Should I Secure Coverage?

Business owners should secure commercial coverage as soon as they launch their companies.  This is because your company opens itself up for risk as soon as it opens its doors.  You should secure commercial coverage even if you are operating out of your own home.  This is because your homeowners insurance will not provide coverage for business-related inventory, equipment, supplies, or liability events.  The only way to protect your fledgeling business is with the right commercial coverage.

Which Policies Do I Need?

With all the coverage options out there, it can be difficult to determine which policies are right for you.  Some of the most basic and essential forms of commercial coverage include the following:

  • Commercial property
  • General liability
  • Professional liability
  • Product liability
  • Cyber liability
  • Commercial auto
  • Business interruption

This is what startup companies need to know about commercial insurance.  Do you have additional questions about your business insurance?  If so, then contact the experts at Miller Carlisle Insurance Services.  We are ready to get you the coverage that you need today.

Situations Where You Should Review Your Life Insurance

When you need to update your life insurance coverage.parent holding baby's hand

Just because you secured life insurance doesn’t mean that your work is done.  For your policy to offer maximum protection, you need to continually review and update your coverage.  But which life events indicate that it’s time for a policy update?  Here’s when you should review your life insurance.

  • You Have a Baby on the Way

If you are welcoming a new addition to your family in the near future, then you need to update your life insurance policy to address this change.  In addition to adding your child as a beneficiary, you should also increase your coverage to help your spouse pay for child-rearing costs and future educational expenses should you die unexpectedly.

  • You Buy a New Home

If you have finally taken the huge step of purchasing a home, your financial obligations will increase.  This is because you now have to keep up with regular mortgage payments in order to keep ownership of the home.  Once you close on the home, you need to increase your life insurance coverage to ensure that your benefit is enough to help your spouse keep up with mortgage payments or pay off your mortgage completely.

  • You Want to Start Your Own Business

If you want to launch your own business, then you may need to secure business loans to finance your company.  If your spouse or business partner cosigns on these loans with you, then they would carry the burden of paying these loans back if you were to die.  This is why you should be sure to update your life insurance policy by increasing your coverage and adding your business partner as a beneficiary so they can use a portion of your death benefit to pay back these loans.

These are some of the situations in which you should review your life insurance coverage.  Do you have additional questions about your life insurance?  If so, then contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is eager to assist you with all your coverage needs today.

What Homeowners Should Know About Fires

Fire damage and your home insurance.firefighters at work

As a homeowner, fires are one of the most common and costly risks that you face.  This is why it’s very important to understand what your home insurance will cover when it comes to fire damage.  Here’s what standard homeowners insurance policies will cover when it comes to fire damage to your property.

  • Coverage for Fire and Smoke Damage

Standard homeowners insurance policies will offer coverage for both fire and smoke damage to your home and belongings.  You have this coverage regardless of where a fire starts.  For instance, if your home sustains damage from a fire originating at a neighbor’s house, your insurance will still offer coverage for repairs.  Most home insurance policies also offer coverage for the damage caused by wildfires.  However, if you live in an area particularly prone to wildfires, then your policy may limit the amount of wildfire coverage that you have.  You may have to secure endorsements or supplemental insurance policies to get the comprehensive protection that you need.

  • Additional Living Expenses Coverage

If the fire damage that your home sustains is particularly extensive, it may not be safe to remain in the home.  In this case, you can access the additional living expenses (also known as loss of use) coverage included in your homeowners policy.  This coverage will help you pay for temporary housing, as well as essentials such as food, laundry services, parking, and so on while your home is being repaired.

  • When Are Fires Not Covered?

The only time your homeowners insurance will not offer coverage for fire damage is when you or anyone named on your policy caused the fire on purpose.  Intentional acts of damage are never covered by insurance.

This is what you need to know about your homeowners insurance and fire damage.  Do you have additional questions about your home coverage?  If so, then contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your home coverage needs today.