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825 Central Road Suite 1
Bloomsburg, PA 17815

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Will Condo Insurance Protect a Guest’s Belongings?

Like home insurance, a typical condo insurance policy for your Bloomsburg, PA home is going to provide some basic coverage for a guest’s belongings up to a certain limit. But… it depends.

Do They Have Their Own Insurance?

If your guests have their own dwelling insurance, then their insurer will probably be the one covering the damages. This is a benefit of home insurance, renters insurance, and condo insurance that many people are not aware of: Your possessions are covered even outside of the home.

That means that if you have something stolen from your car, and it’s on your inventory, then your insurance company is going to cover it.

Are They a Guest or a Tenant?

If someone is renting a room in your condo, then it gets a little more complicated. Typically, their possessions would be covered under a renters insurance policy that they buy themselves.

In this case, it basically breaks down like any tenant/landlord scenario. You’d be responsible for broken windows, damaged water pipes, and so on, which is probably covered under the insurance you hold with your condo association. At the same time, they would be responsible for the possessions found inside the dwelling.

Are You Covered in the First Place?

Finally, it would be best if you made sure that you are actually covered. Remember that the insurance you buy through your condo association only covers the building itself. To cover what’s inside your Bloomsburg, PA condo, you’ll need to get in touch with The Good Insurance Group LLC and see about a condo insurance policy.

The Good Insurance Group LLC can provide you and your guests with protection and peace of mind.

What type of life insurance is right for me?

There are many important forms of insurance that the typical person needs to get. When you are in the Bloomsburg, PA area, one important form of insurance coverage to consider getting is life insurance. As you are looking for a new life insurance policy, you could find a lot of options to consider. One form of insurance coverage to consider getting is life insurance. Most people that get this coverage will choose either a term or whole life policy, which has different features that could make one an ideal option for you and your situation.

Term Life

A term life policy has continued to be a trendy type of coverage that people frequently obtain. With a term policy, you will receive coverage for a specific amount of time that can be well over 20 years if you wish. You can also choose a coverage amount that meets your needs. A term policy is often more affordable than other options. 

Whole Life

With whole life, your policy will last for as long as you want if you continue to make payments. Further, a whole life policy has investment benefits that can help you build long-term wealth. Due to the investment benefits of this type of insurance, the monthly premiums are often more than they would be with a term policy. 

Picking the right life insurance policy in the Bloomsburg, PA area continues to be a significant decision. If you are looking for a new policy here, it would be a good idea to call The Good Insurance Group LLC. The insurance professionals at The Good Insurance Group LLC will provide various benefits and services that can help you choose the right policy that meets your needs. 

Required Auto Insurance in Pennsylvania

Specific auto insurance coverage is required in Pennsylvania, and you must carry proof of that insurance. If you don’t have the insurance that you need, or you want to shop for a new policy, call us at The Good Insurance Group, LLC in Bloomsburg, PA to speak with an agent. 

Liability Auto Coverage

Every vehicle in Pennsylvania must have a liability insurance policy. This comes with required minimums for bodily injury for each person in an accident, a minimum amount for bodily injury per accident, and a minimum amount for the property damage done in an accident. It also has an amount required for first-party medical benefits, medical benefits for you and your passengers.

Tort Options

A few states also have tort options that go with their auto insurance, and Pennsylvania is one. The choices for your insurance coverage are full tort or limited tort. With the full tort option, you will retain the right to sue the other party after an accident for any pain and suffering that you are left with. This tort choice generally has a higher premium payment. The limited-tort option greatly restricts your ability to sue another party for non-monetary damage- usually pain and suffering. However, you do retain the right to sue after an accident if there was a permanent disfigurement or death. The limited-tort option comes with a lower premium amount. 

Get Insured

If you need auto insurance in Pennsylvania, it can be hard to figure out all of the available choices and make sure that your coverage is enough to be legal. Give us a call at The Good Insurance Group, LLC in Bloomsburg, PA to make an appointment with an agent that can help you with your choices.

Should I get commercial insurance for my company?

Owning a company in the Bloomsburg, PA area is a great option for anyone who dreams of being a small business owner. If you would like to own a property in this area of Pennsylvania, it continues to be very important that you properly protect it with insurance. There are several reasons why you should get a commercial insurance policy when you are trying to build and manage your company.

Insurance Can Provide Valued Protection

One advantage of having commercial insurance is that it can provide you with more valuable coverage to protect your business. With commercial insurance coverage, you will be able to get both liability protection and coverage for all business assets. If there is ever an incident that results in damage or a liability claim, this could prove to be extremely beneficial.

Insurance Can Make you More Marketable.

Another reason that you should get commercial insurance is that it can make you more marketable. As a business owner, you need to provide assurances to your customer that you will complete good work and will be able to cover any mistakes made. If you have a commercial insurance policy with a liability policy, it will mean that you have the capacity to fix your mistakes, which could provide assurances to customers. 

When you are looking to build a commercial insurance policy in the Bloomsburg, PA area, it will be very beneficial to speak with someone that can help you guide your decision. The team at The Good Insurance Group, LLC can give you the insight and advice that you need to get into a quality insurance policy. When you speak with The Good Insurance Group, LLC, you can learn a lot more about how commercial insurance can protect your organization and keep you strong and solvent for years to come. 

What’s Covered by Your Home Insurance?

After buying your Bloomsburg, PA home, take time to research your home insurance options. Home insurance from The Good Insurance Group, LLC is one of the most effective ways of protecting your new home investment. By learning more about home insurance and the protection it has to offer, you can make good insurance choices.

What’s Covered by Home Insurance?

Home insurance protects your home and personal goods via dwelling and property coverage. It also covers liability claims that may arise if and when visitors have accidents on your property. 

  • Dwelling Coverage – covers damage to your home caused by common perils like fire, bad weather, and vandalism. If a storm damages your roof, for example, dwelling coverage will help cover repair costs. If your home is destroyed by fire, dwelling insurance will help pay to rebuild it, up to the limits of your policy.
  • Property Coverage – protects your belongings from theft or damage. This includes your clothes, furnishings, electronics, and other personal items. If you choose replacement cost coverage, your insurance will cover the cost of replacing your goods if they’re stolen or destroyed in a covered peril, without taking off for depreciation.
  • Liability Coverage – protects you against accidental injuries that may occur in your home or on your property. If a friend is injured while attending a party at your home, liability insurance will pay his medical bills. If you’re sued for damages due to an accident, liability insurance will cover your legal costs.  

Importance of Home Insurance

By compensating you for your losses, home insurance saves you from covering these costs on your own. In this way, home insurance protects your income, savings, or retirement funds.

To purchase a home policy for your Bloomsburg, PA home, call or visit The Good Insurance Group, LLC today.

Protect Your Classic Car With the Right Policy

It can be gratifying to have a classic car. Whether you’re a collector of them and have several, or you only have one that you’ve worked on for years, you want to make sure it’s protected the right way so you can enjoy it and have peace of mind at the same time. You can protect your assets with the right kind of classic car insurance from us at The Good Insurance Group, LLC. We want all of our Bloomsburg, PA area clients to get the quality and value they deserve in an insurance policy they can feel good about. There’s no need to settle for less than the right type and level of coverage for your classic car, no matter how you use it or how many of them you own.

A classic car can’t have the same type of policy as a regular car because classic cars aren’t as easily replaceable if something should happen to them. Getting parts or services for them can also be more difficult. But they still deserve adequate protection and can have the quality coverage they need to keep them safe. Protecting your assets is what insurance is all about, and when you have something unique like a classic car, it becomes all the more important to work with professionals who can help you get the right type and level of coverage for your needs.

If you’re in the Bloomsburg, PA area, we can help with your classic car insurance needs. Contact us today at The Good Insurance Group, LLC, and let our knowledgeable agents provide you with information and insight so you can make a wise decision about the coverage and protection for your classic car. We know that a classic car has a lot of sentimental importance in many cases, and we’ll work with you so you can feel comfortable with the coverage on your vehicle.

How Does Recreational Insurance Work?

If you own a recreational vehicle, then one of the first things you will want to do is to protect it with the right type of insurance coverage. Many people, however, don’t fully understand how recreational vehicle insurance works. If you would like to learn more, The Good Insurance Group, LLC serving the Bloomsburg, PA area is here to help. Keep reading to learn how recreational vehicle insurance works and to get a better understanding of whether you should buy a policy.

What is recreational insurance?

RV insurance is meant to be of assistance in the event your RV is involved in an accident. Depending on the type of policy you buy, it may also provide coverage in the event your RV is vandalized or stolen. It’s always imperative to understand how your policy works, and the best way to do this is by speaking with one of our qualified agents.

Is RV insurance mandatory?

RV insurance isn’t mandatory everywhere. However, if you have any type of lien against the vehicle, the holder of the lien will most likely mandate that you keep insurance on the RV until the lien is paid off. Also, many states to make insurance mandatory. Once again, you’ll want to speak with an agent to understand whether it’s the law or not to keep insurance on a recreational vehicle in your state.

Make sure to reach out to the Good Insurance Group, LLC, serving the Bloomsburg, PA area today. One of our agents is always ready to answer any questions you may have and help you find a policy that truly meets all of your recreational vehicle insurance needs.

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.