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Bloomsburg, PA 17815

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Is a business owner’s policy right for my business?

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A business owner’s policy (BOP) provides a business’s four most commonly needed insurance coverage types for a lower premium than buying them separately. The Good Insurance Group LLC offers BOPs to help Bloomsburg, PA business owners fully cover their businesses with the necessary insurance for less money. A BOP provides the four most common policies, but you can adjust the coverage amounts according to your business needs. Let’s take an in-depth look at this spectacular insurance product.

Buying a BOP

When you buy a BOP, your business receives the liability and equipment coverage needed to protect it from financial loss in most scenarios. A BOP includes General Liability, Commercial Property Perils, and Business interruption. To maximize your coverage, request all-perils coverage.

Adding Other Coverage

Businesses can use the BOP they buy as a foundation for adding other insurance coverage. Commonly added options include crime, fidelity, forgery, and spoilage of inventory insurance policies. More than 25 specialty types of commercial insurance exist so that you can tailor the coverage to your business needs.

Who Qualifies for BOPs?

Corporations and large companies cannot buy BOPs. This bundle of basic business insurance only goes to small and medium-sized businesses. Your business’ location, classification, and annual revenue also influence your qualification.

Contact Us for Your BOP

The Good Insurance Group LLC offers business owners policies to help protect Bloomsburg, PA businesses. Contact us today to apply for your BOP. We can help you determine the suitable insurance types to add so your business starts with the proper coverage.

The Benefits of Home Insurance During Natural Disasters

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Home insurance provides protection and peace of mind, especially during natural disasters. Knowing these benefits helps homeowners prepare for unforeseen events and protect their homes in and around the Bloomsburg, PA area.

Restoring and Rebuilding

One of the key benefits of home insurance during natural disasters is property protection. Home insurance policies typically cover damage caused by perils such as storms, hurricanes, earthquakes, or wildfires. 

In a natural disaster, homeowners can file insurance claims to receive financial assistance for repairing or rebuilding their homes. This coverage helps homeowners recover from the damage incurred and restore their properties.

Replacing Personal Belongings

Home insurance also covers personal belongings damaged or destroyed during natural disasters. This includes furniture, electronics, appliances, clothing, and other valuable items. Replacing these possessions can be expensive, but home insurance can help offset the costs and ease homeowners’ financial burdens.

Temporarily Relocating

In cases where homes become uninhabitable due to natural disasters, home insurance policies sometimes include coverage for additional living expenses. This coverage helps homeowners cover costs related to temporary accommodations, meals, and other necessary expenses while their homes are being repaired or rebuilt. It provides the support needed to maintain a certain standard of living during a challenging time.

Covering Legal Liabilities

Home insurance also offers liability protection, which is valuable during natural disasters. If a visitor or someone else is injured on your property during a disaster, your home insurance may cover medical expenses or legal liabilities that may arise. This protects homeowners from potential lawsuits and against unforeseen accidents or injuries.

How The Good Insurance Group LLC Can Help You

At The Good Insurance Group LLC, we can answer all your questions concerning the benefits of having home insurance coverage. We assist the Bloomsburg, PA region. Contact us today. 

Tips to keep your classic car running like it is brand new

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If you’re a classic car enthusiast in the Bloomsburg, PA area, you know the importance of preserving your ride. Keeping your classic car running like it is new requires regular maintenance and careful attention to detail. Here are some tips from us at The Good Insurance Group LLC for keeping your classic car running smoothly: 

  1. Regular Oil Changes – Regular oil changes are essential for optimal engine performance. Be sure to use an oil designed specifically for classic cars, which will help keep the engine in tip-top shape. 
  2. Check Fluids – All fluids should be checked often to ensure they are at the proper levels. This includes coolants, antifreeze, brake fluids, power steering fluids, and transmission fluids. 
  3. Inspect Belts and Hoses – It’s essential to inspect belts and hoses regularly for signs of wear or damage. These components can quickly become cracked or frayed if not taken care of properly, so check them periodically and replace them when necessary. 
  4. Clean Engine Compartment – To help prevent corrosion and other problems from occurring in your engine compartment, clean it out regularly with a degreaser or other cleaning agent designed for engines. 
  5. Tune-Ups – Keep your classic car running like new by doing regular tune-ups every six months (or according to the manufacturer’s recommended intervals). This will ensure that all systems are running at peak efficiency and that any minor problems can be addressed early on before they become major issues down the road. 

For more tips, call us at The Good Insurance Group LLC today! We proudly serve the Bloomsburg, PA area and would happily help.

What Does Recreational Insurance Cover?

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Some people find insurance confusing and overwhelming because there are so many different types of coverage. Here at The Good Insurance Group LLC, serving Bloomsburg, PA, and the surrounding areas, we want to help customers learn all they can about insurance products to make intelligent insurance choices. Keep reading to learn more about recreational insurance. 

What Does Recreational Insurance Cover?

Recreational insurance provides coverage for recreational vehicles and items. This can include campers, RVs, ATVs, boats, jet skis, snowmobiles, dirt bikes, and other various types of recreational vehicles. This type of insurance is sometimes required by law to operate certain types of recreational vehicles. 

Do I Need Recreational Insurance?

You will need to do your own research to determine if you are legally required to carry insurance for your particular type of recreational vehicle. These rules can vary from state to state and from vehicle to vehicle. 

What Happens If I Don’t Have Recreational Insurance?

If you opt not to carry recreational insurance, you could risk being held liable for expenses resulting from an accident. For instance, even if you are not required by law to carry insurance on your ATV, if someone is injured or property is damaged because of the ATV, you will be held responsible for paying for the damage or medical treatment if someone is injured. 

Insurance coverage means the policy will kick in and help pay those expenses for you. 

If you want to learn more about recreational insurance, please get in touch with us at The Good Insurance Group LLC, which serves Bloomsburg, PA, and the surrounding areas. 

What Does Renters Insurance Cover?

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When someone rents a house or an apartment, there are usually some requirements that the landlord or the state has. One of these requirements is probably insurance. While the state might not require tenants to have renters insurance, most landlords require it before you can sign the lease. If you are new to renting, you might not know what all renters insurance covers. Here are some everyday things renters insurance covers across most insurance companies.

Personal belongings

Whether you are a renter or a homeowner, you most likely have personal items to put into your home. Personal belongings refer to the things you own, such as clothes, furniture, appliances, electronics, etc. One of the most well-known parts of renters insurance is coverage for personal belongings.

Liability coverage

Liability coverage is a common type of coverage across all types of insurance, including renters insurance. For example, you have a guest over at your home. They are walking on the front steps, and they trip and fall. Your guest ends up breaking their leg and has medical bills because of it. Liability coverage pays for the medical bills and any possible lawsuits from the accident.

Medical bills and legal fees add up quickly. Without liability coverage, you would be stuck paying for all of those expenses by yourself, potentially draining whatever savings you have.

Additional living expenses

Sometimes something like a natural disaster or a fire happens, leaving you without a livable place. Suppose the site you are renting becomes unlivable. In that case, your insurance can help you with the additional living costs, including hotel rooms and food, until your home gets fixed and becomes livable again.

Contact The Good Insurance Group

For more information about renters insurance, contact us at The Good Insurance Group LLC in Bloomsburg, PA.

Why flood insurance might be important in Pennsylvania

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How Do You Know if Your Home is at Risk of Flooding?

A sump pump is not enough protection if the water table and flood water rise in your area. That’s why FEMA, the Federal Emergency Management Agency, administers the National Flood Insurance Program (NFIP). They also provide extensive maps and information about local area flood risks. Pennsylvania has released online tools to determine your estimated flood risk, so you can dig in and discover how important flood insurance might be to people in your area.

Obtaining Flood Insurance is Convenient

At The Good Insurance Group LLC in Bloomsburg, PA, as with most insurance agencies like ours, we provide flood insurance along with all our other coverages, making purchasing convenient. We’ll also be glad to discuss why it might be vital for you personally and share our knowledge about our local area and its risks. Ultimately, the decision is yours since flood insurance is not generally required. One important exception to that is when your mortgage lender requires flood insurance due to your property’s location in a FEMA-identified higher-risk area.

What Risks Do You Face From Floods in Pennsylvania?

FEMA estimates that only one inch of floodwater can cause up to $25,000 in damage. Coverage for floods is not typically included in homeowners’ policies, so you have to take action on it separately. Depending on your needs, you can select different types that cover buildings, their contents, or both. At The Good Insurance Group LLC in Bloomsburg, PA, we can help you think about what you need to cover and any other insurance that could help you ride out the storm of a severe or mild flooding event.

What Would an Umbrella Policy Cover?

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Wondering whether you should purchase umbrella insurance? This form of coverage provides protection beyond the usual limits of a set of policies. In certain situations, unforeseen events come with property damage or an injury; this can sometimes lead to unexpected legal troubles or medical bills. At the Good Insurance Group LLC, we want to review what kind of insurance you can expect from an umbrella policy. 

Legal Troubles

Umbrella insurance is considered a type of liability coverage that financially protects you in legal situations. This includes anything from a lawsuit to legal consultation. If you’ve experienced an auto accident where one driver acted negligently or maliciously while on the road, that can result in a lawsuit that a regular auto insurance plan doesn’t cover. An umbrella policy covering liability claims will help you against that situation. 

Medical Bills

This insurance can also cover medical costs and hospital bills incurred from an accident. Many insurance plans tend to focus on property damage or possession loss of a perilous event while ignoring the personal injuries that incur from an accident. An umbrella clause would also ensure that a medical situation is paid for. 

Purchase Your Umbrella Insurance in Bloomsburg, PA

Are you interested in finding a decent umbrella policy in your insurance package? The Good Insurance Group provides quality insurance for the people of Bloomsburg. Contact us at 570-213-3367 to schedule an appointment with our team of experienced professionals. From there, we can discuss what our umbrella policies cover in an insurance plan and how that would help your situation. 

Expert Tips for Keeping Your Condo Safe When You’re Out of Town

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Vacations are a great way to relax and unwind but can expose your home to theft or damage. Condo owners in Bloomsburg, PA need to take extra steps to ensure their belongings are safe while away. Here are three tips from The Good Insurance Group LLC on protecting your condo when you’re not around.

Tip #1: Make it Appear as if Someone is at Home

Making it appear like someone is home while you are on vacation is a great way to protect your condo from potential break-ins. Automated light timers are an effective and affordable way to make your home appear occupied. They can be set to turn lights on and off at specific times, so it looks like someone is home. Additionally, you can also use automated blinds to open and close throughout the day. This makes it look like someone is moving around the house.

Tip #2: Don’t Advertise Your Trip on Social Media

Posting a future trip on social media can be very dangerous as it can alert potential burglars that you are away from home. Criminals often use social media to monitor people’s activities and can quickly determine when a person is away from home. This increases the chances of burglary, as criminals will know exactly when to break in and when no one is around to stop them.

Tip #3: Arrange for Someone to Check on Your Home

Having a trusted friend or family member check on your condo while on vacation is a great way to ensure that everything is in order and safe while you are away. This person can make sure that any mail or packages have been received, check for any signs of a break-in, take care of any maintenance issues that may arise, and even water your plants.

The Good Insurance Group LLC in Bloomsburg, PA is the go-to source for condo insurance. We understand the complexities of condo insurance and are here to help guide you through the process. We look forward to working with you to find a policy that fits your needs and budget.

What Is an Umbrella Policy and Why Would I Need One?

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At The Good Insurance Group LLC, serving the greater Bloomsburg, PA area, one of the questions we are often asked regarding insurance products is what umbrella insurance is and when an individual or business owner would need to purchase this type of policy. Umbrella insurance can be a great way to protect yourself or your business. Read on to learn more about umbrella insurance and when it may be needed. 

What Is an Umbrella Policy?

An umbrella policy is essentially an insurance policy that insures all of your insurance products. The policy provides extra coverage in case a significant event happens and your insurance policy does not provide enough coverage for the incident. For example, if your home went down and flames and the cost to rebuild your home exceeds your home insurance policy, an umbrella policy would cover the difference between what your home insurance pays and what is needed to get your home back to its pre-accident state. 

Why Would Someone Need an Umbrella Policy? 

Someone will need an umbrella policy if they have assets they want to protect. An umbrella policy is most commonly used if you or your business are sued, and the damages exceed your insurance limits. This helps to ensure you will not be held liable for the costs of defending the lawsuit and a huge payout, helping to protect your assets. 

Umbrella Insurance helps provide extra insurance if an event exceeds your policy limits. If you live in or around Bloomsburg, PA, let The Good Insurance Group LLC, sit down with you and explain more of the benefits of an umbrella policy and how it can specifically benefit you. Schedule an appointment with us by giving us a call. 

Does the HOA Fee Include Condo Insurance in Bloomsburg?

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As a condo owner in Bloomsburg, PA, you are likely familiar with the monthly HOA fee. But what exactly does that fee cover? Read on to determine whether your HOA fee includes condo insurance.

What is an HOA Fee?

An HOA fee is a monthly charge that all condo owners must pay. This fee goes towards the upkeep of common areas and amenities and the salary of any on-site staff. In some cases, an HOA fee may also include insurance for the building itself. However, this is not always the case—and in most cases, it does not have insurance for individual units.

Do I Need Condo Insurance?

Yes, you should have condo insurance even if your HOA fee includes building insurance. This is because your HOA policy will only cover damage to common areas and the building itself, not your personal belongings or unit. So, if a fire in your building destroyed your unit, your HOA policy would not cover any damage.

Condo insurance from The Good Insurance Group LLC protects you from financial damage caused by fires, theft, vandalism, and weather damage. It also covers you if someone is injured while in your unit. Most importantly, it gives you peace of mind knowing that you and your belongings are protected in an emergency.

If you’re a condo owner in Bloomsburg, PA, it’s essential to know what your monthly HOA fee covers—and doesn’t cover. An HOA fee usually does not include insurance for individual units. That’s why it’s so essential to have condo insurance. Condo insurance protects you from financial damage caused by fires, theft, vandalism, and weather damage. It also covers you if someone is injured while in your unit.

Contact The Good Insurance Group LLC today for more information about condo insurance. We would be happy to answer any of your questions and help you find the right policy for your needs.

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