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825 Central Road Suite 1
Bloomsburg, PA 17815

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Three things renters insurance should cover

If you are a renter, you should understand what renters insurance is and consider whether you need it. We provide renters insurance in Bloomsburg, PA at The Good Insurance Group, LLC.

One important thing to understand is what types of possessions a renters insurance policy will cover. The following are three things that a renters insurance policy will cover. 

Damages resulting from a fire

A fire at your rental property could quickly destroy all your possessions. If you have valuable possessions that you keep at your rental property, a fire could cost you a lot of money without renters insurance coverage.

With renters insurance, you will be reimbursed for any possessions that you lose in a fire. 

Damages resulting from theft or vandalism

Another event at your rental property that could be extremely costly for you is theft. Renters insurance can compensate you for any possessions that are taken from your rental property in a burglary. 

Renters’ insurance policies will also typically cover you for vandalism. Vandalism can deface and destroy valuable property. Fortunately, renters’ insurance will compensate you for these damages. 

Liability expenses that come up for tenants

Liability expenses are perhaps one of the most costly and unpredictable types of expenses that a tenant can face.

As a tenant, you can be held liable for any injury or property damage that takes place at your rental property. Fortunately, renters insurance provides liability coverage for tenants. This is one of the biggest reasons why renters need a renters insurance policy. 

At The Good Insurance Group, LLC, we provide renters insurance policies in Bloomsburg, PA. If you’re interested in purchasing renters insurance from us, get in touch with us to learn more about our policy options. 

Save Money with Umbrella Insurance in Pennsylvania

Finding the right insurance policy to protect your property doesn’t have to be complicated. You invested your time, your energy, and your money into things that make you happy and are important to you. Making sure that these things are protected at all times is a high priority, and you deserve to work with an insurance agency that helps you protect your assets. 

The Good Insurance Group, LLC is an independently owned and operated company based in Bloomsburg, PA. Serving the community for many years while providing many types of insurance, we make it our mission to pair you with the right insurance package best for you. Umbrella insurance is vital to have as it protects your assets, and here is how you save money by having it. 

If anybody was to get hurt on your property and feel that you were at fault, then they have every right to file a lawsuit against you. An umbrella insurance policy’s purpose is to cover liability that extends beyond your home insurance liability limits if the standard policy does not cover the lawsuit amount. By not having to cash out any money or give up any assets, you can keep everything that you have without worrying about the financial strain. In that same lawsuit, without umbrella insurance, you would have to cover the cost of what your home insurance liability didn’t cover out of pocket or in assets. This is how easy it is to save yourself thousands, if not millions of dollars. 

Feel ready to set up a meeting with one of our agents about purchasing umbrella insurance? Reach out to the offices of The Good Insurance Group, LLC in Bloomsburg, PA to speak with our team about finding a policy that fits your needs.

What Will Condo Insurance Cover?

If you are shopping for condo insurance, education is your best protection against paying too much and winding up underinsured. At the Good Insurance Group, LLC, serving Bloomsburg, PA, we are here to help you navigate the world of insurance. Let’s find out how condo insurance works and what it covers.

Personal Liability Coverage

One of the most important things you will want to make sure your condo policy covers is personal liability. This means that if someone is injured while at your condo, you will be covered for the expenses of their medical bills if it is proven that their injuries were your fault. This is an important type of coverage to have so that you do not get stuck paying someone’s medical bills out of pocket.

Property Protection

This is the part of condo insurance that some people find tricky. Building property protection, generally only pays for repairs to the walls and certain things within the interior of the condo. This might include items such as fixtures and even built-in bookcases. What you should remember, is that property protection does not insure your personal belongings.  

Personal Property Coverage

So, if property protection does not cover your belongings, how can you insure these valuable items? You will need to make sure that your condo insurance also carries personal property coverage. This type of coverage protects belongings such as electronics, clothing, jewelry, furniture and basically anything you own which you want to be protected.

 Under personal property protection, you will usually have some freedom to choose which type of coverage will work best for you. Speaking with a knowledgeable insurance representative will help make sure you get exactly the right coverage for your situation.

If you would like to learn more about condo insurance and which type of policy is best for you, please contact our friendly staff at The Good Insurance Group, LLC, serving Bloomsburg, PA.

Do You Really Need Life Insurance?

Life insurance can benefit just about anyone, regardless of your age, marital status or lifestyle. If you’re married with a family, life insurance can provide your spouse and children with financial security for their future in the event you should unexpectedly pass on. If you’re single, life insurance benefits can provide much-needed income for aging parents or support a favorite charity upon your demise. At The Good Insurance Group, LLC in Bloomsburg, PA, we offer a variety of life insurance options to suit your long term needs. Here are just a few ways life insurance can benefit those you love after you’re gone.

Financial Support 

Life benefits can be used to pay your family’s monthly bills so they can continue living the lifestyle they’re accustomed to after you’re gone. If you’ve left behind co-signed loans such as a mortgage or student loans, life benefits can pay these off so your spouse or parents don’t have to assume these debts. Life benefits can be used to supplement your parents’ retirement, help your children get through college or provide financial support to your family so they can carry on upon your demise. 

Support a Business 

If you started a business with someone else, your partner may be counting on your income to keep the enterprise running. Your sudden demise could leave him or her in financial straits, especially if you have business loans to repay. Life benefits can help replace your income so your partner can keep the enterprise running until other financial arrangements can be made. 

Pay Your Funeral Costs

If you’ve made no provision for your funeral, life benefits can help pay these costs so your family isn’t burdened with this expense during this trying time. 

To learn more about life insurance and the benefits it has to offer, call or visit The Good Insurance Group, LLC in Bloomsburg, PA.

When Is Liability the Best Choice for Auto Insurance?

Auto insurance can feel like a bit of a minefield when you’re first getting started. It’s easy to choose based solely on price, which is why you may be considering liability for your policy. But as nice as the price may seem, it may not always be the right decision. The Good Insurance Group, LLC of Bloomsburg, PA wants everyone to have the facts so they don’t end up making a decision they regret. Here are a few things to keep in mind when determining if liability is the best choice for you. 

When Your Vehicle Is Paid Off

Liability-only is a policy that covers your car in case you hit someone else or damage another person’s property. It will not cover the damages for your car if you were the at-fault party. If you own your automobile, you’re free to make this decision on your own. However, if your car is leased or financed, your lender is going to want the additional protection. 

When You Have a Back-Up Plan 

If you rely on your car to get around, then liability may not be the best choice for you. If your car is severely damaged, you may not be able to get to work without the help of public transportation or the goodwill of friends or family. If you have a solid back-up plan for what will happen if your car is totaled, then liability could be a good choice. But you do need to think through the scenario before you decide on liability. 

The Good Insurance Group, LLC is here to help our clients get more from their insurance policies. If you have questions about the best type of auto insurance policy for you, visit our office in Bloomsburg, PA or give us a call today. We’re here to get you on your way. 

Three situations where commercial insurance is required

Having commercial insurance is always a good idea regardless of what type of business you have and what industry you work in. However, having commercial insurance is also a requirement in numerous situations. 

If you are required to have commercial insurance, you need to be aware of this and acquire the appropriate coverage to avoid fines or more severe consequences.

The following from The Good Insurance Group, LLC in Bloomsburg, PA are three situations where you may be required by law to have commercial insurance coverage:

When you have employees

A large portion of companies out there rely on hired help. If you have employees working for your company, you should have workers’ compensation and unemployment insurance. Generally speaking, these two types of coverage are required by law for any company hiring on full-time staff.

When you drive a vehicle for commercial purposes

You cannot rely on regular auto insurance to cover a car that is used for commercial purposes. You need to purchase vehicle insurance that is specifically for vehicles used for business activities.

If you use a vehicle both for commercial and personal needs, you need to discuss your insurance needs and the legal requirements you need to meet with your insurance provider. 

When you work in a profession that is subject to malpractice lawsuits

Some occupations are subject to malpractice claims. Perhaps the most common example is the medical profession. However, lawyers and other professionals can be hit with costly malpractice suits as well.

While there is no federal law requiring malpractice insurance for those working in these professions, there are state laws that require malpractice insurance. You need to be aware of the requirements you’re subject to if you’re working in a profession involving frequent malpractice issues. 

If you have questions or concerns regarding your commercial insurance needs, get in touch with us at The Good Insurance Group, LLC. We offer commercial coverage to businesses located in the Bloomsburg, PA area, and we’ll be happy to help. 

When is Home Insurance Required in Pennsylvania

For people that are in the Bloomsburg, PA area, owning a home and property is a great option to consider. When you do own your home, you will have a stable place to live and can also benefit from the long-term value appreciation that has typically come with real estate. To make sure that you are adequately covered, getting home insurance is always a good idea. There are several situations in which having home insurance will be a requirement for people in this area.

When a Mortgage is Taken Out

The first widespread situation in which you will need to get insurance for your home is when you take out a mortgage. When you have a loan out against your property, your lender is going to want to confirm that their collateral is adequately protected. One of the best ways to do this is by making sure you have home insurance. Most lenders will even require monthly escrow payments.

Association Rules and Regulations

Another factor that could impact whether or not you need to have home insurance is if you live in a community with a home association. Even if you have a single-family home, most community association agreements will require the owners to have home insurance. This will ensure that you can pay restitution during a liability claim or make repairs if your home is damaged by fire or weather.

Once you have found a home that you want to buy in the Bloomsburg, PA area, you should call the team at The Good Insurance Group, LLC. The insurance team at The Good Insurance Group, LLC will help you get into a home insurance policy that meets all of your necessary requirements and adequately covers your asset.