3 Tips for Choosing the Right Commercial Insurance in Lansdale, PA

When you own your own business, you depend on it for your livelihood. It is also something you can pass down from generation to generation, ensuring the financial future of children, grandchildren, and great-grandchildren. For these reasons and more, it is important to have commercial insurance in Lansdale, PA. When it comes time to find the right commercial policy for your business, here are three tips to help you get started.  

Compare Policies

There are many variables of protection when it comes to insuring a business. For example, a swim school will need a different kind of policy than say a pie delivery business. A trusted, reputable agent will be able to look at your business and discuss different coverage options. They will help you compare policies and choose the right one for your business.  

Bundle Policies

Do you currently have a different kind of insurance policy, such as auto or home insurance, with an insurance company? If so, look into the discounts available for bundling your insurance policies with the same company. Also, depending on other factors concerning your business, security measures such as installing outdoor security lights, may make you eligible for additional discounts.

Update Your Policies Every Year

It’s a good idea to go over your commercial policy every year with your insurance agent, just in case there have been any changes to your business or in case you are eligible for additional coverage.

To learn more about commercial insurance in Lansdale, PA, contact the Farrell Insurance Associate, Inc. Our friendly, knowledgeable insurance agents will answer all of your questions and help you find the perfect policy for your business. Farrell Insurance Associate, Inc. can be reached at 215-631-9390. We look forward to hearing from you!

Are Your Possessions Covered by Your Auto Insurance Policy in Lansdale, PA?

Farrell Insurance Associate, Inc. offers various types of auto and home insurance to residents who live in the Lansdale, PA area. Many residents have questions concerning what their auto insurance covers when it comes to their personal possessions and what is covered if their car is broken into. First, it is important to know what type of coverage you have and whether or not you have a homeowner’s policy. Most insurance companies offer discounted rates for individuals who combine all of their policies into one. This not only saves money, but it also helps to keep things organized.

The only type of insurance that will cover your car once it has been broken into or vandalized is comprehensive or full coverage. While full coverage will pay for the damages to your car, it will not pay for the items that were stolen. You do have the option of turning the stolen items in on your homeowner’s policy, but that may be more costly. Homeowner’s policies are normally reserved for items of the most value that is why the deductibles are higher than for an auto policy. It may not be cost effective to turn the item in on your homeowner’s insurance if you have to pay a high priced deductible before you get the money to cover your lost items.

If you live in the Lansdale, PA area and have concerns about your auto insurance policy, call the agent of Farrell Insurance Associate, Inc. today. We can answer your questions and make sure you have the right policy for your individual needs. Also, for quotes right from home, try our online rating tool for your auto and home insurance policies.

5 Health Benefits of Spring Cleaning

Spring’s warm weather provides the perfect background for deep cleaning your home in preparation for summer. Through spring cleaning, you can create a safe, clean, and hygienic environment for you and your family. Here are just a few of the many health benefits you gain through spring cleaning.

Fresh, Clean Atmosphere

Deep cleaning your home gets rid of dust, grime, mold, and bugs that accumulate in your kitchen, bathrooms, and living spaces, giving you a cleaner home atmosphere. Washing windows, curtains, and blinds and opening up your home to fresh air will eliminate pollutants that have gathered over winter. Steam clean carpets to remove dust and mites that can cause allergies and asthma.

Reduced Risk of Accidents  

Removing clutter on your stairs, entryway, or halls will reduce the risk of accidents due to tripping and falling, particularly for children and seniors. Clutter is also a dust collector and fire hazard. Decluttering makes your Lansdale, PA home a safer environment in which to live – a plus when talking to your Farrell Insurance Associate, Inc. agent about home insurance coverage.

Less Stress

Organizing your belongings reduces the stress of searching for lost items when you need them. In the process, you rid your home of junk that’s accumulated over the last year, providing more living space for you and your family.

Poison Control

Clearing out a place for safe storage of chemical cleaners, garden products, and medications that could be dangerous to children reduces the risk of accidental poisoning. Locking these products in a secure location makes it more difficult for accidents to happen.

Happiness

A clean home makes you happy and thankful for your surroundings.

The right home insurance package will protect your home investment from any eventuality. Contact Farrell Insurance Associate, Inc. in Lansdale, PA for all your home insurance needs. Also, try our online rating tool for quotes on your home and auto insurance.

Reasons to Drop Full Coverage

For many, the cost of car insurance is often a deciding factor when it comes to reducing coverage. Though you might think that you have to have full coverage, only those that still owe money on their vehicle are required by the lender to hold a full coverage policy. For those in the Lansdale, PA area, the agents with Farrell Insurance Associate Inc. can help you determine what policy is right for you.

There are a few different reasons why you might consider dropping full coverage in Pennsylvania. The first is that you have paid off your car and therefore are no longer required to have a full coverage policy. This might seem like a wonderful reason to drop full coverage, but it can also have some drawbacks. When you drop full coverage you are no longer going to be able to get your car replaced if it is totaled, you are simply going to get help with some medical bills and with the bills that are associated with the other driver’s insurance.

Another reason you might consider dropping full coverage is to save money on your monthly premiums. Full coverage policies cost more each month than liability coverage policies. You can save a great deal of money by switching to a liability only policy if you do not get into an accident. If you are in an accident, however, you could be out far more money than you would have paid in premiums.

No matter what you choose to do in Pennsylvania, a great agent can help to better explain so that you can find the policy that works best for you and your particular situation. For those in the Lansdale, PA area, the agents with Farrell Insurance Associate Inc. can help you find the perfect policy each and every time.

A Gander In Your Basement: Insurance For The Foundation of Your Home

Any insurance can be a complex animal to dissect for the layperson. When you are talking about home insurance, it becomes even more complex because you must protect many variables. Purchasing home insurance is about protecting your home, you and outside people who may want to hold you liable. The agents at Farrell Insurance Associate Inc. in Lansdale, PA want to help take the guesswork out of deciding how to get the best protection by providing you with a comprehensive insurance policy.

Looking at the individual points of protection is how we do it. Basements have many things that need protection. The homes’ HVAC system is generally housed there, the main piping system for the homes’ water and sewage lines are there. Malfunctioning in this critical area of your home can lead to a need for insurance protection. Many homeowners also store valuable items in their basement. Basements are also the area of your home that are heavily impacted if there is a natural disaster such as a flood. As a result, your basement houses the system that may contribute to a flood while also being the area that may take the brunt of an outside flood. Is there an entranceway in your home.? Does someone reside in the basement of your home? Answers to these questions help shape your insurance policy need.

Serving the Lansdale, PA area as well as surrounding towns and counties the agents at Farrell Insurance Associate Inc. will love to speak with you. As part of a great home insurance analysis, we can discuss the insurance concerns as regards the basement as well as other aspects of your home.

3 Easy Steps to Maintain Your Home’s Water Heater

If you own a home in Lansdale, PA, then you most likely have an electric or gas tank-type water heater that you rely on daily.  Most water heaters are dependable and can last for ten years or more with an annual maintenance plan.  Maintenance can be performed with these 3 easy steps, which can prevent issues that may cause water damage to your home or personal items.  It also can extend the life of the water heater and save you money.

3 Easy Maintenance Steps

  • Check the temperature setting on the dial located on the water heater.  Adjust the temperature between 115 to 120 degrees F will protect the water tank from overheating and will lower your energy bill in the process.
  • Check the temperature and pressure relief valve, which is critical for the safety of your water heater.  Locate the valve on the outside of the tank, lift up on the lever a little and let it snap back into place.  This should cause a gurgling sound because some water will be released into the drainage tube.  If you do not hear anything, then it’s likely the valve is bad and will need to be replaced.
  • Prevent rust and corrosion from the bottom of the tank by draining some water from the valve close to the bottom of the tank, allowing it to refill, wait for things to settle and remove some more to create a mini-flush.  Your water heater will also run more efficient.

Farrell Insurance Associate Inc.

Contact a Farrell Insurance Associate Inc. friendly and experienced agent in the Lansdale, PA area to review your homeowner insurance policy coverage.  You want to make sure your home and personal property is covered in case your water heater causes damage.