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Bloomsburg, PA 17815

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Can Recreational Insurance Cover Multiple Vehicles?

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At The Good Insurance Group LLC in Bloomsburg, PA, we understand the importance of covering every recreational vehicle in your garage to avoid liability and other unwanted problems down the road. From snowmobiles in the winter to jet skis in the summer, recreational insurance is designed to cover your recreational vehicles all year round.

The question for recreational vehicle owners should not be "if" to cover your valuable items, but "how." Once you have a recreational insurance policy for one vehicle, you might wonder if you need to get a second policy for additional vehicles or if one policy can cover your whole collection. Although we can’t specifically speak to your situation, we can give you an idea of what could be possible under how typical recreational insurance policies generally cover multiple vehicles.

What Is Recreational Insurance?

Recreational insurance covers recreational vehicles that are not usually covered by standard car or watercraft insurance policies. Some examples of vehicles that might potentially be covered by recreational insurance include jet skis, snowmobiles, RVs, and even bicycles. These vehicles are used for leisure rather than transportation.

Can Recreational Insurance Cover More than One Vehicle?

Although every insurance policy differs, recreational insurance policies might cover multiple vehicles. This depends on the specifics of the policy. To determine whether your policy covers more than one recreational vehicle, you should speak with an insurance agent at our office about your policy. We can help explore your options.

Contact The Good Insurance Group

For more information on recreational insurance, call our team at The Good Insurance Group LLC in Bloomsburg, PA today!

Moving to a New Apartment? Make Sure Your Renters Insurance Moves with You

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There’s a lot to manage when moving to a new apartment, from packing and hiring movers to unpacking and setting up utilities. However, one thing renters often overlook is updating their renters’ insurance. Serving Bloomsburg, PA, and the surrounding areas, The Good Insurance Group LLC offers comprehensive renters insurance to protect you in your new apartment.

Why Updating Is Important

Renters’ insurance is tied to your address. If you move without updating your policy, your belongings might not be covered at your new location. Whether you’re moving across town or the country, informing your insurer ensures that coverage continues uninterrupted. It also allows your policy to reflect any changes in your living situation, such as higher rent, new valuables, or added security features.

What to Update

When moving, make sure to provide your new address, the move-in date, and any details about your new apartment that could affect your premium, such as whether it’s in a gated community or has a security system. This is also a great time to reassess the value of your personal property and update your coverage limits accordingly.

When to Make the Change

Ideally, you should update your policy before the move, so coverage transfers seamlessly. Some renters’ insurance policies even cover your belongings during the move, but only if your insurer is notified ahead of time.

Keep Coverage Simple and Stress-Free

Moving can be hectic, but updating your renter’s insurance doesn’t have to be with the help of an experienced insurance agency. Contact The Good Insurance Group LLC in Bloomsburg, PA, today to update your policy.

Flood Mitigation – How Your Residential Flood Insurance Policy Comes into Play

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A flood mitigation project involves specialized drying and sanitizing efforts. If you have flood insurance, it’s important to understand how your coverage will apply after a flood event.

Understanding Flood Insurance Coverage

Flood insurance is a specific type of coverage that protects property from rising floodwaters. This coverage allows the insured to seek professional mitigation services. Some flood mitigation services are provided on-site where the flooding has occurred.

Some off-site drying or cleaning processes may be necessary if the flooding was extensive. Complex drying and disinfecting services may also be performed at a mitigation team’s facility.

Dealing with the Aftermath of a Flood

Are you familiar with the steps necessary to restore flooded land and personal property? If you encounter a flood, you’ll need to contact your insurance provider. Once you’ve initiated an insurance claim, you’ll receive guidance on the necessary flood mitigation steps.

You may be advised to leave your property due to the potential danger posed by rising water. An inspection of the land and the flooding will be scheduled. An insurance adjuster, a licensed professional, will inspect the affected property.

Understanding the Drying and Cleaning Process

If your insurance claim is approved, a flood mitigation team will dry and clean the affected property.

The mitigation team’s responsibilities include restoring the property and ensuring that it is safe to occupy. All necessary mitigation steps will be discussed at the onset of a mitigation project.

Schedule a Consultation with an Agent in Bloomsburg, PA

Interested in learning more? Please schedule an appointment with one of our agents at The Good Insurance Group LLC.

Umbrella Insurance in Bloomsburg, PA: Why It’s Essential for Homeowners and Business Owners

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There are countless reasons to fall in love with Bloomsburg, PA. From its vibrant art scene to its rich heritage, it’s easy to see why you may have a home or business here. Now, it’s essential to ensure you can protect your life, which means exploring umbrella insurance. Even if you have other policies, they may not be enough. At The Good Insurance Group LLC, we’ll explain why having this optional policy is so important.

Why You Want to Invest in an Umbrella Policy

If anything happens to your home or your business, you turn to your insurance policy. You file a claim and pay a deductible, and the insurance takes care of everything else, right? It’s nice to believe that. However, the reality is that there are plenty of instances where you don’t have enough coverage.

If your business has $50,000 in general liability coverage, but an accident leads to $75,000 in costs, you could be responsible for the remainder.

If you get into a car accident, the minimum level of property damage coverage that the state of Pennsylvania requires you to carry may leave you in the hole for $10,000 or more. It all depends on the severity of the accident.

An umbrella policy is like your emergency stash. It provides added coverage on an existing policy so that you can limit (or eliminate) the need to pay more out of pocket.

Get an Umbrella Insurance Policy You Can Rely On

When you live in Bloomsburg, PA, it’s important to have a customized umbrella policy that meets your needs. The goal is to ensure that the policy provides sufficient coverage no matter what has happened.

The knowledgeable agents at The Good Insurance Group LLC can help you every step of the way. Call today to discuss the right policy for your home and/or business needs.

Short-Term Rental Coverage for Condo Owners

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Condo owners often love their condos, but there can be much more to a condo than living inside. Condos offer unique opportunities to provide income. Many condo owners rent their condos to those on vacation, and the trend of using Airbnb in favor of expensive hotels doesn’t show signs of slowing down. There are several things condo owners need to know about short-term rental coverage.

Business Insurance

Many agents recommend business insurance for your condo. Business insurance provides extensive coverage whether the condo is vacant, lived in, or rented. It can cover property damage from guests, natural disasters, and more. However, coverage limits do apply, making it crucial to speak with The Good Insurance Group LLC, serving the Bloomsburg, PA, area.

Homeowners Insurance

Many wonder if their homeowner’s insurance will cover their house or condo if they use it as a short-term rental. Unfortunately, there is no clear-cut answer. Homeowners’ insurance policies often exclude short-term rental properties. Some companies let you add a short-term rental coverage option instead of getting a new policy. Always ask an insurance agent if they provide coverage because companies vary greatly.

Hosts Insurance

Instead of switching insurance companies, consider host insurance. Many companies like Airbnb require hosts to have specific liability insurance to cover damages. This insurance coverage is in addition to your current insurance policies. Speak with the company you’re working with for a short-term rental to determine if they have guidelines regarding insurance.

Get Coverage for Rental Insurance

We understand that short-term rental insurance can be confusing because everyone has different guidelines. The Good Insurance Group LLC agents will explain everything you need to know. We currently serve the Bloomsburg, PA, area. Contact us today to learn more.

Businesses and Professions That Should Consider Umbrella Insurance

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Umbrella insurance provides legal and other benefits, but its primary purpose is to extend the liability limits of underlying private and commercial insurance policies. Every policy has a coverage limit, capping the maximum payment for covered hazards. However, umbrella insurance comes into play when you or your company exceeds the cap, covering additional liabilities you may incur. If you have questions about how umbrella insurance can help you or your company, consider The Good Insurance Group LLC, which serves the Bloomsburg, PA area.

Which Professions Benefit from Umbrella Insurance?

Most businesses carry liability insurance that protects against injuries to people entering a business’s premises. Office-based professionals such as physicians and lawyers risk having someone fall and suffer injuries during an office visit. Likewise, auto dealers, retailers, and restaurants invite the public to their premises, risking similar accidents. Occasionally, accidents occur that produce liabilities exceeding their base policy limit, meaning the business or professional must pay the difference; those with umbrella insurance can depend on that policy to pay the difference.

Another set of businesses that benefit from umbrella policies are those that work on others’ property. Plumbers, electricians, and other contractors risk damaging property or injuring others. Similarly, delivery businesses and others that operate vehicles face liability for damage or injuries in work-related motor vehicle accidents.

Other businesses carry umbrella insurance due to contractual obligations with the government or private companies. Finally, businesses that risk legal action, such as libel or slander, benefit from umbrella insurance protection.

Working With The Good Insurance Group LLC

The Good Insurance Group LLC team serves the insurance needs of individuals and businesses in the Bloomsburg, PA market. Call (570) 213-3367 or stop by to schedule an appointment. We look forward to supporting your insurance needs.

Will Condo Insurance Cover Damage from a Burst Pipe?

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Condo insurance can help protect you from financial liability. When a covered event occurs, your condo insurance policy can help pay to repair or replace things you own that sustained damage. But does your condo insurance policy cover damage from a burst pipe? It’s a good question!

Your insurance agents from The Good Insurance Group LLC, servicing Bloomsburg, PA, can help. We can help you understand your condo insurance policy. Here’s what you need to know.

Will Condo Insurance Cover Damage from a Burst Pipe?

Most condo insurance policies cover damage from burst pipes. Contact your insurance agent or read your policy to find out whether your policy will cover this type of damage. You should have your policy on hand to review when you need it. Suppose you don’t talk to your insurance agent to get help. Your insurance agent can give you a copy of your policy to keep on hand.

If a Pipe Bursts In Your Condo, What Should You Do?

If a pipe bursts in your condo, you should first turn off the water either at the main or at the local valve to stop the water from entering your home. Take pictures of the damage as you go so you can use this information in your insurance claim. Contact your insurance agent as quickly as possible to get information about filing a claim.

Do not hire a contractor to repair your home until you’ve talked to your insurance agent. Your agent will be able to give you directions so that you can ensure that the work you’re doing to repair your home will be covered under your policy.

Do you have more questions? Contact The Good Insurance Group LLC, servicing Bloomsburg, PA. We can answer them for you!

Life Insurance – Protection for Your Loved Ones and Personal Assets

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Your life insurance policy can protect the best interests of your loved ones and can also be used to preserve your property. Review these life insurance guidelines that will help you prepare your policy.

Planning for Future Expenses

You have the ability to leave any or all of your investments to your living heirs. The funds that your family members receive will help them handle expenses that they will face in the future. Consider the following income sources when preparing your insurance policy:

  • Bank accounts
  • Bonds and other investments
  • Property that can be sold
  • Valuables

Inventory of Your Property

Take an inventory of your property. Decide which items or land you will be leaving for your loved ones. If you have any uncertainties concerning how much life insurance to acquire, schedule an appraisal of your land and home.

This appraisal will reveal the true market value of your assets. The amount that the appraisal determines can be used when preparing life insurance coverage amounts.

Handling Personal Assets

Decide how you would like your personal assets handled. Some property may want to remain in your family or be passed down to a future generation.

Plan on specifying your wishes in your life insurance policy. Your personal assets should be assessed at scheduled intervals. Because you may gain or lose property over time, it is in your best interest to seek a professional appraisal whenever there is a substantial change in how much you own.

Professional Support for Your Life Insurance Needs

Preparing your life insurance policy is a serious matter. You can receive all the help you need from one of our agents who represent The Good Insurance Group LLC. Call an agent who serves Bloomsburg, PA, to schedule an appointment.

Want Roadside Assistance? Your Full Coverage Auto Insurance Can Help!

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Enhance Your Auto Insurance Coverage with Roadside Assistance

Imagine being stranded on a road with a flat tire. Would you know what to do next? The good news is that you don’t have to if you have full auto insurance coverage. It comes with the convenience of calling for roadside assistance. Such services offer a comprehensive range of aid customized for situations like yours.

At The Good Insurance Group LLC, serving Bloomsburg, PA, we help our customers find well-rounded auto insurance policies that include roadside assistance coverage. If you have questions about your roadside assistance coverage, please call us! We’re here to help.

Understanding Full Coverage Auto Insurance

Full-coverage auto insurance is an amalgamation of car insurance coverage, including liability, collision, and comprehensive protection. It typically includes a roadside assistance component to help drivers with vehicle breakdowns.

Most roadside assistance coverage includes the provision to tow your vehicle, jump-start a battery, replace a flat tire with a spare one, deliver fuel if you’re out of gas, and render lockout service (if you’ve locked your keys inside the car). Roadside assistance exists to ensure you’re back on the road quickly after any unforeseen vehicle issues arise.

How to Secure a Full-Coverage Auto Insurance Plan

If you are interested in full-coverage auto insurance, your insurance agent at The Good Insurance Group LLC, servicing Bloomsburg, PA, can assist you. We collaborate with multiple insurance carriers to ensure our customers find the perfect insurance products suited to their needs.

If roadside assistance is a crucial part of your full-coverage auto insurance, we can help you find the best policy offering excellent assistance at an affordable rate. Call us today to initiate your insurance policy hunt.

Security Upgrades for An Industrial Setting

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Implementing security upgrades can safeguard the commercial equipment and inventory stored in your business premises. These security measures will also contribute to the safety of your workforce. Evaluating the value of making security upgrades to your property is a prudent step toward securing your assets.

Risk Assessment

A risk assessment can give you a clear picture of the potential for your building to become a crime target. During this evaluation, you’ll determine the value of all items stored within your facility. The storage methods you use will also be scrutinized. It’s advisable to keep valuable items in clean, dry areas and out of sight when your business premises are closed.

Security Upgrades

Your business contents might be under threat from criminal activities or inclement weather. Any machinery or other items stored outside may also be at risk. Survey various security upgrades that could provide added protection. Digital locking systems, keypads, surveillance cameras, and lockboxes are some security enhancements that could benefit your business.

Documentation

Maintain records detailing all the security upgrades you have completed. This information should be incorporated into your commercial insurance policy. Make sure that your documentation also includes details about the maintenance of your security equipment. Devices like surveillance cameras need to be inspected regularly to ensure they are always ready to protect your property.

Assistance from Insurance Agents

Having reviewed some potential security upgrades, the next step could be scheduling a consultation with one of our agents at The Good Insurance Group LLC. Our agents, who serve the Bloomsburg, PA, region, can modify your commercial insurance policy to reflect your new security measures.

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