Insuring Your Life,
The Easy Way

Auto Insurance

Whether you are going to the grocery store or a cross-country trip, it is very important that you possess valid auto insurance. Motorists who fail to show proof of car insurance can face dire consequences, paying stiff penalties of up to $500 or a license suspension. Vehicle owners in Pennsylvania, for example, are required by state law to possess the following coverage at minimum:

• Bodily injury amounting to $25,000 per person or $50,000 per accident.
• Property damage totaling $15,000 per accident.
• Medical payments of $5,000 per accident.
• Uninsured motorist policy of $25,000 per person or $50,000 per accident.

Regardless of which state you live in, it’s imperative that you shop around for different discounts and auto insurance quotes when you want to find the right coverage. Coverage options are available to protect your car, yourself, and the passengers boarding your vehicle at the time of a potential accident.

Are you searching for an auto insurance policy that’s the perfect fit for you? Contact us today and we will get you covered!

Home Insurance

There can be no greater feeling than when you get the keys to your new home. Your house is a place where memories are made for years to come. It’s also a big investment:  if you want to protect it, working with the right insurance agency is a must. If you are currently in the market for homeowner’s insurance, AnnieMac Insurance is your preferred solution. 

Having the right insurance can provide property owners with everything they need for quality protection. Owning a beautiful home comes with the risk of damages from unavoidable calamities like wind, hail, wildfires, or even theft or vandalism. Having these challenges makes having the right policy more important than ever. Our agents make sure you get what you need to prevent a financial pitfall should the unexpected occur. 

Understanding Homeowner’s Insurance 

If you have a mortgage with a lender, it’s almost certain you’ll need to have homeowner’s insurance. There are many different coverages available to protect your home as part of your policy. Here are a few typical components of one. 

• Dwelling coverage – covers inside/outside structures, such as the roof, garages, patios, walls, or floors 
• Personal property – items that belong to you inside the home, like furniture or electronics 
• Personal liability/Medical Payments – protects you from costs should someone get injured on your property or take legal action 
• Loss of Use – this is otherwise known as additional living expenses, and it would provide a temporary place to live if your home is unlivable 

There can be no greater feeling than when you get the keys to your new home. Your house is a place where memories are made for years to come. It’s also a big investment: if you want to protect it, working with the right insurance agency is a must. If you are currently in the market for homeowner’s insurance, AnnieMac Insurance is your preferred solution. Having the right insurance can provide property owners with everything they need for quality protection. Owning a beautiful home comes with the risk of damages from unavoidable calamities like wind, hail, wildfires, or even theft or vandalism. Having these challenges makes having the right policy more important than ever. Our agents make sure you get what you need to prevent a financial pitfall should the unexpected occur. Understanding Homeowner’s Insurance If you have a mortgage with a lender, it’s almost certain you’ll need to have homeowner’s insurance. There are many different coverages available to protect your home as part of your policy. Here are a few typical components of one. Dwelling coverage – covers inside/outside structures, such as the roof, garages, patios, walls, or floors Personal property – items that belong to you inside the home, like furniture or electronics Personal liability/Medical Payments – protects you from costs should someone get injured on your property or take legal action Loss of Use – this is otherwise known as additional living expenses, and it would provide a temporary place to live if your home is unlivable Get the Protection You Need For Your Property

RV/ATV Insurance

There’s no shortage of places to explore when you own an RV. Smart RV owners won’t hit the road, however, without RV insurance coverage. RV insurance can protect you from accidents, breakdowns, theft, injuries, and more. Here’s what you should know about RV coverage. 

Is RV Insurance Required? 

RV liability insurance is mandatory in many areas of the country. This is the coverage that pays for other people’s injuries and damages in accidents you cause. We recommend you get as much liability coverage as you can afford to protect yourself against serious accidents you may cause. 

RV policies also offer collision, comprehensive and uninsured motorist insurance as optional coverage. Collision insurance covers damage to your RV caused by collisions. Comprehensive covers theft and damage caused by non-collision incidents like falling objects, lightning strikes, hail damage, etc. Uninsured motorist covers damage to your RV caused by accidents with uninsured drivers. 

Factors that Affect RV Coverage 

Various factors like the cost of your RV, your driving habits, and your lifestyle will affect the type of insurance you buy. If you have taken out a loan on your vehicle, your lender may require you to have collision and comprehensive coverage to protect his investment. 

You should also consider your lifestyle when purchasing RV insurance. If you are “always” on the road, you’ll need more protection than someone who uses his vehicle sporadically. Full-time RV’ers may even want special coverage like RV replacement cost insurance to protect their vehicle against risks that could cause a total loss. 

Importance of RV Coverage 

As exciting as RVing can be, there’s always a risk of accidents. With RV insurance, you can be prepared for mishaps that can lead to financial loss, and you won’t have to worry about paying for accidental damage or injuries on your own. 

Boat/Watercraft Insurance

Boating is a popular hobby in many parts of our country.  Boat owners should protect their investment with coverage that will provide them with a sense of security whether the boat is on the water or parked. We offer coverage for all your boating needs here at AnnieMac Insurance, and we will work hard to find you a customized insurance plan that will fit your needs. 

Boat Insurance Requirements 

Some states do not automatically require boat owners to acquire boat insurance. However, there may be times when boat insurance is required. For example, your lender may require you to have boat insurance if you financed your boat. This is normally required until your loan is paid in full. Also, marinas may require you to have boat insurance if you are planning on storing your boat with them. 

Coverage Options 

We offer the following types of coverage: 

• Boating liability coverage – This can cover your expenses if you are at fault for a boating accident that results in either property damage or injuries. This coverage will also cover legal fees if you must go to court. 
• Physical damage coverage – Damages that result from a collision are covered under this option as well as boating equipment. 
• Comprehensive coverage – This is like comprehensive auto insurance. It will cover damage to your boat or other watercraft resulting from theft, vandalism, heavy winds, or even fire. 
• Equipment insurance coverage – Theft and damage do happen. GPS devices, fishing gear, and other equipment are covered under this option. 
• Uninsured/underinsured – If you are involved in an accident with another boater and they either have no insurance or not enough to cover damages, this coverage option will protect you. 

Umbrella Insurance

You have a family, a home, cars, and significant assets that you have accumulated during the course of your life. Now, it’s time for you to protect them by arranging for additional liability coverage above the policy limits of your homeowners and auto coverage. That’s what umbrella coverage is about. It’s an extra level of liability coverage on top of your homeowner and auto liability policy limits that AnnieMac Insurance offers for our customers.  

Why We Have Liability Insurance 

Liability insurance becomes important if you’re determined to be legally responsible for the injuries and property damage of somebody else in an accident that you cause. 

When is Umbrella Insurance Triggered? 

If you were the cause of the above accident and injuries, the underlying policy limits on your auto insurance would soon be exhausted, leaving your personal assets exposed to satisfy a judgment against you. If you carried a policy of umbrella insurance, that coverage would be triggered as soon as your underlying policy limits were exhausted. Umbrella insurance starts with a policy limit of $1 million, and it can be increased at million-dollar increments. Your insurer will even pay a defense attorney that it appoints on your behalf, cover your court costs, and pay any settlement or judgment up to your umbrella policy limits. Umbrella insurance can even cover you if somebody is severely injured in an accident at your home. 

Don’t put your personal assets and the security of your family at risk. AnnieMac Insurance offers umbrella coverage for anybody in the states that we service. Call us and we’ll be pleased to answer your questions about umbrella coverage or any other insurance products that we offer. Protect your family and your assets. Don’t be underinsured. 

Flood Insurance

You don’t wait until the house is on fire to buy fire insurance. Even if your lender doesn’t require you to have flood insurance, you may still need it. Your homeowner’s policy doesn’t cover damage from rising water. That’s the costliest damage to repair. The average damage from a flood is $35,000.  One uncovered flood can wipe you out financially. It’s why so many houses are abandoned and foreclosed upon after a major flood. Don’t Wait Until You See Water in Your Backyard To Buy Flood Insurance – It’s Too Late

Even if you have had a private flood policy for a while, it’s free to have a Flood Nerd shop for better coverage or a better price. You’ve literally got nothing to lose but a high premium!

You need flood insurance, but you need to protect your pocketbook as well. No matter where you live, the Flood Nerds are here. They know your area and they know how to save money on flood insurance, even if you live in a high-risk area.