How Do You Purchase a Commercial Insurance Policy?

Owning a business in McConnellsburg, PA is a big accomplishment. It is something that you have worked hard to expand or are currently working to build up. You have probably also done things to make sure that your business is protected. However, if you do not have a commercial insurance policy from Peck Insurance Agency, then you are not as protected as you need to be. 

How Do You Purchase a Commercial Insurance Policy?

When you are ready to get a commercial insurance policy, the best thing that you can do is find an insurance agent who knows all about these kinds of policies. A commercial insurance policy is one that is unique to the business that it is purchased for. The right insurance agent will ask you all about your business and your situation so that you get all of the coverage that you need. There are many different aspects of a commercial insurance policy and you need to make sure that you get everything you need that is both specific to your individual business as well as additional coverages if you have employees. This is the best way that you can protect your business both from things that you cannot control, like the environment, as well as your employees, if they decide that they want to betray you and your business. 

It can be very easy to get the right commercial insurance policy. As you can see, all you need to do is tell us your situation and we will make sure that you get the coverage that you need. If you are interested in getting a commercial insurance policy and would like a free quote, be sure to reach out to us here at Peck Insurance Agency, serving McConnellsburg, PA, today. We can also take a look at your current policy to make sure that you have the coverage you need. 

What You Need to Know About Auto Insurance

Having the right auto insurance matters. Drivers want to be properly covered as they navigate the streets of McConnellsburg, PA, but they also do not want to pay for coverage they do not need or want. Some insurance providers try to add a lot of coverage and raise protection limits beyond what a driver might actually want or need, but many drivers do not realize that is taking place. These drivers may also not understand that they can make changes or question why the suggested limits are in place. As long as they meet state requirements for minimum coverage, drivers do not have to have additional coverage unless their vehicle is financed. Peck Insurance Agency can answer any further questions you may have on the topic.

Even though auto insurance is required, an insurance provider should work with drivers based on what the driver needs and wants to have. That can be done when a driver has questions, and also when a driver knows what they require or expect from their insurance company. By working with many companies to get quotes, drivers have options they can select from. That can help them feel better about the auto insurance they get because they have seen choices from several different providers.

When you need auto insurance in or around the McConnellsburg, PA area, reach out and contact the Peck Insurance Agency. We can provide you with quotes from multiple companies, so you can select the provider that will work for you and your specific insurance needs. That personalized level of service gives the drivers who come to this agency the opportunity to learn more about the types of insurance they can choose for their vehicles, so they can have confidence when they are on the road.

5 Major Reasons Why You Must Have Home Insurance

A home is one of the most expensive investments you make to guarantee your comfort and that of your family. At Peck Insurance Agency, we understand that one of the most crucial parts of being a responsible homeowner is protecting your investment with quality homeowners’ insurance. Here’s why:

  1. Satisfy your Mortgage Lender- Most banks and mortgage lenders in McConnellsburg, PA will require you to carry insurance as a condition for your mortgage. The homeowners’ insurance guarantees the protection of the lender’s investment in case the house is damaged. Lenders want you to carry home insurance to cover the amount of the mortgage. 
  2. Protection from Loss- A homeowners’ insurance covers loss or damage to your home and its content by fire, tornado, high winds, or a hail. It’s important to make sure your home is protected from catastrophic loss if a natural disaster occurs. 
  3. Protects Equity- A home will always be your single most significant investment. A homeowner’s insurance policy protects it by safeguarding its value. Equity represents your homes worth over and above the mortgage as well as other liabilities relating to your property. As you continue to make payments, renovate, and improve your home, the equity in your property increases. Homeowners insurance guarantees that if something happens to your home, you won’t be forced to begin all over again. 
  4. Disaster Assistance- If your home is destroyed or so severely damaged that you need to seek help elsewhere, your home insurance policy will pay to relocate you. The ‘loss of use’ coverage reimburses you for meals, hotels, and other living expenses.
  5. Protection against Robbery and Theft- Homeowner insurance offers protection against damage or loss caused by burglary or a home invasion. If someone breaks into your home, a homeowner’s policy will reimburse for the actual cash value of stolen or damaged inventory. 

When deciding how much homeowners insurance you need to safeguard your home in McConnellsburg, PA, please contact Peck Insurance Agency for a professional assessment of your coverage needs.