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A Personal Insurance Update

Here is the latest information and updates on some of the hot topics relating to your personal insurance needs and interests. It is important to keep up on what is going on in order for you to make educated and informed insurance buying decisions.

Business Insurance

In a recent study completed by a leading insurer (The Hartford) about 25% of Americans own a side business that is not insured. Many people feel that their business is too small, is covered under their homeowner’s insurance, or think they don’t need insurance. If you own a small business that is run out of your home, it is not covered under your homeowner’s insurance policy. We recommend you purchase a business policy to insure your business. Don’t rely solely on the corporate structure to protect your personal assists.

Homeowners Insurance

You may be thinking about updating your home in the next few months. Before you do this, you might check with our office, as some renovations may cause an increase in your homeowner’s insurance premiums.

Here are few renovations that will impact your premiums

•      A new addition. If you add more square footage to your home, it will increase your replacement value and should be added to your homeowner insurance policy.

•      Putting in a pool. Most insurers want to know if you have a pool and will charge for the added liability.

•      Kitchen or bath renovations may add value to your home. For example, if you are replacing your builder grade appliances with high-end appliances, it may need to be reflected in your replacement value. Homeowners insurance can offer replacement coverage based on like kind and quality.

•      Adding outdoor kitchens and other amenities. Anytime you add new personal property or attachments to your home, it will be necessary to make adjustments to your homeowner’s insurance

When you think of Worthington Insurance you think of choices. As an agency that represents various insurance companies writing business in PA and New Jersey, we can match you with an insurance company that is the best fit for your insurance needs.

Posted 1:03 PM

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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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34 E Afton Ave | Yardley, PA 19067 | Phone: 215-493-4170

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