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The Risks of Not Carrying Enough Auto Insurance

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Some people find it tempting to carry the minimum auto insurance in Easton, PA, especially if they are on a tight budget or have an old vehicle. While you may save money in the short term, drivers with minimal auto insurance could be on the hook for exorbitant repair costs that they may not be able to afford. Valor Insurance makes it a point to ensure their customers have sufficient coverage to meet their needs.

Minimum Legal Amounts in Pennsylvania

Pennsylvania drivers must have at least  the following liability coverage to operate a motor vehicle legally:

  • $15,000 for injury or death of one person in an accident
  • $30,000 for injury or death of more than one person
  • $5,000 for damage to another person’s property

Unless an accident is minor, those coverage amounts won’t be sufficient to cover the costs of an accident. If you caused the accident, you remain responsible for covering another driver’s expenses, even if your policy doesn’t fully cover it.

The Other Driver Could Sue You for Damages

The most considerable risk occurs if you are in a severe accident involving considerable damage to another driver’s vehicle, as well as yours. If someone is badly injured, the stakes get higher. If you have a minimal policy and are at fault in the crash, the victim could file a claim in court requiring you to pay for the damages. This step could result in wage garnishment if you are found guilty.

What Coverage Should I Carry?

In addition to getting higher liability coverage limits, you should consider personal injury protection (PIP) to cover injury expenses and lost wages if you are involved in an accident. 

If you’re unsure what coverage you need, contact the agents at Valor Insurance in Easton, PA for advice on selecting auto policy provisions.

What are the risks of operating a business without commercial insurance?

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As a business owner, you probably consider commercial insurance an unnecessary expense. However, without it, you put yourself at risk of serious financial loss. You never know when something can go wrong, and without insurance, you are absolutely unprotected. Here is a list of other risks you may face when deciding not to purchase commercial insurance: 

What Are The Risks Of Not Having Business Insurance? 

Have you decided to skip commercial insurance and operate without it? Then, be prepared for the following risks: 

  • Losing your property. Let’s say your business was damaged by an earthquake, flood, or anything else. If you have proper commercial insurance, it will cover your financial losses. However, if you do not, you will have to pay for everything yourself. 
  • Leaving your employees without protection. Your employees play a significant role – they help keep your business afloat. This is why it is so important to protect them. However, without proper business insurance, you will not be able to do that. For example, if your employee gets injured at work, you will be responsible for their medical costs. 
  • Interruption in business. There are so many things that can interrupt your business operations. Business interruptions can set your business back and make you lose thousands of dollars. Without proper commercial insurance, you will have to pay for all the damages and repairs yourself. You also risk losing both current and potential clients.

Looking For Insurance in Easton, PA?

If you run a business, you should have commercial insurance. It helps you avoid many risks and unnecessary expenses and keep your business secure. Do you run a business in Easton, PA or any other nearby town in Pennsylvania? Valor Insurance is here for you and ready to help. At Valor Insurance, we specialize in different types of insurance, including commercial insurance as well. Visit our office or give us a call today. 

Three Different Ways to Ensure Your Home is Insured to Its Total Value

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You are required to have homeowner’s insurance in most cases on your Easton, PA home. Are you sure that your house is insured up to its total value? A financial disaster is looming on the horizon for you if your home isn’t properly insured. Imagine the costs that could accrue if you have to pay for massive flood damage out of pocket. 

Here are three tips for home insurance:

1. Review it Constantly

Too many Easton, PA homeowners make the mistake of getting a policy and never updating it for the entire period they own their home. You should review your homeowner’s policy at least bi-annually if you want to keep it up to date. Things change over time when it comes to your home’s value and what’s included in your policy. 

2. Stay On Top of Remodels

You are bound to update your home in some way as time goes by. You might remodel your kitchen and bathroom. You could add a brand-new roof or build an unattached garage on your property. No matter what you do, you should inform your insurer immediately to include it in your policy. Make sure you have it included in case anything happens while the work is being done. 

3. Make Sure You Have Liability Coverage

You need to have proper liability coverage for your home and your property. Things can happen while your kids have friends playing in the yard or a party in the backyard. Proper liability coverage protects you and your family from lawsuits in the event of damages or an injury that occurs on your property. 

Valor Insurance Is Here To Help

At Valor Insurance, we help each of our clients get the proper coverage for their Easton, PA home and their property. Contact us today if you have any questions about your homeowner’s policy. We’ll make sure you’re fully protected. 

Can I buy life insurance as a gift for my young relative?

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Life insurance is one of the best gifts you can give a loved one. Unlike most other gifts, life insurance is something you don’t think about until you need it. But when you do need it, life insurance provides benefits at a time when those benefits are needed most. At Valor Insurance, we can help you explore life insurance options for all your family members in Easton, PA.

The most common reason people purchase life insurance is for the death benefits. Depending on the kind of insurance you buy, there may also be a cash value component that the policyholder can take advantage of.

If you purchase life insurance for someone, there are several advantages: 

  1. There are many reasons people may put off getting life insurance. Sometimes they feel they cannot afford it at the time, or they might feel unsure about which policy is best. Giving a policy as a gift makes sure they have that financial security anyway.
  2. Younger policyholders start out with smaller premiums. You can lock in a much lower price if you gift a loved one a life insurance policy at a very young age.
  3. As people get older, they may discover or develop health problems that make them hard to insure. Sometimes a medical exam is required before a policy is issued. If someone already has a policy, they no longer need to worry about qualifying for a policy.
  4. Having a sense of security as you go through life is important. Your loved one will know that this protection came from you.

Reach Out To Us

If you are in Easton, PA and want to learn how to protect your family members, please call Valor Insurance today so we can explain all your options. 

Four of the best things about your auto insurance

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If you own a vehicle in Easton, PA, you’ll need to insure it. We can offer you auto insurance that meets your needs at Valor Insurance. Get your liability, collision, and comprehensive coverage from us. 

Motorists should know about all the great benefits they enjoy with auto insurance.

The following are four of the best things about your auto insurance policy:

Auto insurance can protect your vehicle’s value.

When you carry collision and comprehensive coverage, your vehicle’s value is protected by your auto insurance policy. These types of coverage will compensate you for the costs of damages your vehicle experiences as a result of covered incidents like vehicle collisions. 

Auto insurance allows you to drive legally.

In most states, auto insurance is legally required. The state of Pennsylvania requires motorists to carry auto insurance.

Maintaining coverage helps you stay in compliance with local laws and regulations, avoiding penalties and legal issues.

Auto insurance can come to your assistance if you break down.

Auto insurance with roadside assistance provides a safety net when breakdowns occur. Whether it’s a flat tire, dead battery, or mechanical issue, this coverage ensures prompt help by getting you back on the road as quickly and conveniently as possible. 

Auto insurance can pay for a rental vehicle after an accident.

Rental vehicle coverage on auto insurance ensures you’re covered when your car is in the shop. It helps pay for rental costs so you can continue your daily routine without disruption while your vehicle is being repaired.

Consult With Us

There are plenty of things you’ll love about our auto insurance policies at Valor Insurance. We insure drivers in Easton, PA. Get a quote now and hit the road worry-free!

Does Pennsylvania Legally Require All Business Owners to Have Commercial Insurance?

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At Valor Insurance in Easton, PA, we’ve walked plenty of experienced and new business owners through the process of obtaining commercial insurance over the years. One of the most common questions we receive is about whether Pennsylvania legally requires every business owner to obtain commercial insurance.

Since it can be costly to possess less than the minimum commercial insurance requirement and even cause legal problems, you’ll want to review the laws surrounding commercial insurance for business owners if you operate a business in Pennsylvania.

What is commercial insurance?

Simply put, commercial insurance is a form of protection for businesses that can cover liability, property protection, theft, and more. As you can imagine, it’s a vital source of emergency expense coverage for many business owners across the United States.

Even if it’s not legally required in your state or for your specific circumstances, it’s good to have commercial insurance if you own a business. It ensures that you’ll be able to handle almost any emergency financially as a business owner. That kind of peace of mind pays for itself.

Does Pennsylvania legally require all business owners to have commercial insurance?

At a minimum, Pennsylvania law requires businesses that have employees to hold worker’s compensation insurance, which is a type of commercial insurance that helps cover worker’s compensation expenses. If you have a company car, you may also need to purchase commercial auto insurance to meet minimum legal requirements.

Certain types of businesses such as home-based businesses may want policies that cater to home-based businesses. While commercial insurance isn’t always legally required in Pennsylvania, it’s almost always recommended to protect small businesses and large ones from financial devastation.

Contact Us Today

To protect your business, call Valor Insurance in Easton, PA today.

Understanding Your Policy: A Guide to Reading Home Insurance

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When it comes to home insurance, many residents in Easton, PA don’t realize the investment they’re making. While you understand that home insurance is necessary for financial protection, there are many different aspects that can be confusing for many. At Valor Insurance, we want to make it easy for our customers to understand their policies. This guide helps you understand what you need to know.

Declarations Page

The first thing you should understand is the declarations page. Essentially, it’s an overview of your home insurance policy. It will summarize details about your coverage (i.e., dwelling, personal property, deductibles, premiums, and possible discounts).

At the top, you should also see your name and address and the policy period. Since they typically last a year, the dates will reflect that length of time accordingly. The mortgage lender will also be listed somewhere on your policy. They might have specific requirements about what coverages are needed depending on where you live.

Perils Your Policy Covers

Part of having a home insurance policy is knowing what is covered in an unexpected event. Your home insurance policy can list different examples of different perils that you would have protection for. Some examples include the following:

  • Natural disasters like lightning or tornado
  • Smoke damage
  • Theft
  • Vehicle damage
  • Vandalism
  • Someone else injured on your property

Noted on your policy will also be exclusions or examples of what isn’t covered by your policy. For instance, general wear and tear to the property, like carpet or appliances, will not be covered. 

Find Out More About Home Insurance In Easton, PA

Feel free to call Valor Insurance if you need to find out more about home insurance coverage or if you need to get an estimate. We look forward to helping. 

Life Insurance Gives You Protection and Peace of Mind

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If you want to provide protection for the future of your loved ones, a great way to do that is to get a life insurance policy. If you’re in the Easton, PA area and looking for a quality policy, Valor Insurance can help. We understand the importance of life insurance and how we can help you get the coverage you and your family are looking for.

Benefits of Life Insurance

You don’t have to worry about what would happen to your loved ones when you have a strong policy to protect their interests if something should happen to you. If you’re not sure where to start, though, or what kind of policy to choose, you’re not alone. There are different types of life insurance options, and you want to choose the one that’s right for your situation.

Sometimes that’s a term policy, but it might also be a whole life policy. Your agent can help you choose between the options you have, based on the kind of coverage and limits you’re looking for. Then you’ll have a lot more peace of mind and know that you have the security to keep your family safe even if you’re not physically here.

If you’re single and don’t have children yet, having a life insurance policy can still be a great idea to leave something to other family members, friends, or a significant other. Valor Insurance serves the Easton, PA area, and is here to help you with your life insurance policy needs.

Give Us A Call

Reach out to us today, and let’s discuss the policy you’re interested in and what it would mean for your family. Then you can decide if that’s the best option for you or if you’d rather consider a different option instead. Life insurance is a personal choice, and we want to make sure you have the right policy for you and your family.

Will Auto Insurance Cover Self-Driving Cars?

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Self-driving vehicles are going to become a primary mode of transport in the future. Some prediction experts believe that self-driving cars will be available on the market by 2030, with autonomous technology operating on the road. Alongside this massive shift, there will be a lot of changes for drivers and the automobile industry. Many self-driving auto owners will be wondering whether these vehicles need auto insurance. 

At Valor Insurance, we’ll be discussing this type of auto insurance for the people of Easton, PA. 

How Self-Driving Affects the Auto Industry

Just like any other form of auto, self-driving cars will need financial coverage in the event of an accident. The ideal auto insurance package should cover a variety of situations, including theft, vandalism, or on-road collision. Regardless of what kind of event it is, a decent plan should pay for damages, medical costs, and income losses. 

Are self-driving cars particularly dangerous? Some people seem to think that a computerized vehicle will pose more of a hazard on the road. You may be at more risk if your vehicle’s self-driving sensors are impaired by weather conditions or other physical elements. As a self-driving car owner, you should put certain safety measures in place. Aside from safety, it helps to have an auto insurance plan that covers self-driving cars as well as regular ones.

Self-Driving Auto Insurance in Easton, PA

Interested in finding an insurance plan that covers self-driving auto mechanics? Contact Valor Insurance for more information. Our team would be happy to get you in touch with an agent with experience. Our auto insurance covers a number of policies, from liability claims to repair maintenance. 

Tips to prepare your business for a storm

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As a business owner, it’s important to take the necessary steps to prepare for an incoming storm. Here are some tips from us at Valor Insurance to help you get your Easton, PA area business ready.

Tips to prepare your business for a storm

1. Create a plan of action

Before a storm hits, create a plan of action that outlines what measures you’ll take before, during, and after the storm. This should include tasks such as moving items away from windows and doors, stocking up on supplies, and having an evacuation plan if needed. 

2. Back up your data

Make sure all important data is backed up in case of any damage or power outages. Data can be backed up onto portable hard drives or cloud storage services such as Google Drive or Dropbox. 

3. Protect your electronics

Unplug any sensitive electronics that power surges may damage during the storm. If possible, keep them away from windows and other areas where water could enter in order to protect them from damage. 

4. Prepare for flooding

Clear debris away from your building’s foundation and seal any cracks in the walls or flooring that could let in water during a flood. You should also have sandbags ready to help prevent flooding into your building if needed. 

5. Have emergency kits on hand

Keep emergency kits stocked with items such as flashlights, batteries, fresh water, non-perishable food items, first aid supplies, and anything else you might need in case of an emergency situation due to the storm. 

We Are Here To Help!

By following these tips, you can ensure that your business is prepared for an incoming storm and will stay safe throughout it! For more tips, call us at Valor Insurance today. We proudly serve the Easton, PA area.


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