Protect Your Family’s Future with Life Insurance

Posted on October 31, 2022November 1, 2022 by admin

The purpose of life insurance is to protect your family’s financial security. It’s unlikely that a savings account would be enough to cover your family’s expenses for years or decades if something were to happen to you. If you live in the Bloomsburg, PA area, let The Good Insurance Group LLC help you obtain the protection your family deserves.

Life insurance is basically a contract between the policyholder and the insured where the insurer pays the beneficiary a sum of money upon the policyholder’s death. Depending on the contract, critical or terminal illness can also result in payment.

There are three types of life insurance:

Term Life – a simple form of life insurance, you pay a premium for a period of typically 10 to 30 years. If you die during that time, a cash benefit is then paid to your beneficiary.
Whole Life – this policy is guaranteed to remain in force for the insured’s entire life as long as the premiums are paid or to the maturity date.
Universal Life – the insured person is covered for the duration of their life if the premiums are paid and they fulfill any other requirements needed to maintain coverage.

Affordable term life insurance is best bought while in your 20s. An individual is healthier and poses less risk to an insurance company. But it is important to remember that accidents and devastating illnesses can happen to anyone at any age.

Don’t let your loved ones remain wanting in the event of your death. A life insurance policy from The Good Insurance Group LLC can provide them with the security they need and deserve. Contact them today for a quote or answer any questions you may have. You will be glad you did. And so will your family.

When should you review your auto insurance policy?

Posted on September 29, 2022September 29, 2022 by admin

Your auto insurance makes driving your vehicle less stressful. You know that if you have an accident, you are covered. But, you may be surprised if you discover that your coverage is not what you expected. It is important to do reviews of your coverage to avoid those kinds of surprises. At The Good Insurance Group LLC in Bloomsburg, PA, we encourage our customers to review their policies, and we are here to answer any questions you may have.

Most auto insurance policies are renewed yearly. When you receive your new insurance policy, whether in print or digitally, you will see that the front page is the declaration page. The declaration page details your coverage. It includes your liability coverage, your collision, and comprehensive coverage. It also consists of any add-ons you have added to your policy and lists your deductible. Each of these areas should be examined at least yearly to make sure that you have the amount of coverage that makes sense for you.

If you notice that your policy rate has increased significantly, it is time to review your policy. You may not be able to see any reason for the increase, in which case you should call your insurance agent for an explanation. It may be time to look for a new carrier, or you may need to increase your deductible.

If you add a new driver to your policy, you may want to increase your liability coverage, especially if it is a teen driver. If you are adding a new vehicle, you may want to make sure you have gap coverage to cover any gap between the policy value of your car and what you owe on your auto loan.

Contact The Good Insurance Group LLC in Bloomsburg, PA to discuss your auto insurance and do a review.

How To Choose the Right Commercial Insurance for Your Company

Posted on August 31, 2022August 31, 2022 by admin

Like most business owners in Bloomsburg, PA, you know that having the right commercial insurance is important. But with so many options available, how do you choose the right policy for your company? The Good Insurance Group LLC is here to help. We offer a wide range of commercial insurance policies from some of the leading providers in the industry. And we’ll work with you to find the policy that best meets your needs and budget. Here are a few things to remember when shopping for commercial insurance.

The Type of Business You Operate

The first step in finding the right commercial insurance policy is to determine the type of business you operate. Are you a manufacturing company? A retail store? A service provider? The business you operate will significantly impact the risks you face and the coverage you need.

For example, manufacturing companies will need product liability insurance to protect against claims from products they produce. On the other hand, service companies will need professional liability insurance to protect against claims arising from their services.

The Coverage You Need

The types of coverage available vary depending on the insurer, but most policies will offer some combination of property damage, liability, workers’ compensation, and business interruption insurance.

You’ll also want to consider optional coverage, such as product liability or professional liability insurance, depending on the type of business you operate.

The Cost of Coverage

The cost of commercial insurance will vary depending on the size and type of business you operate, the coverage you need, and the insurer you choose. Compare rates from multiple insurers to ensure you get the best possible price.

The Good Insurance Group LLC in Bloomsburg, PA can help you find the right commercial insurance policy for your business. Contact us today to get started.

What is the reason to get home insurance in Pennsylvania?

Posted on July 26, 2022July 26, 2022 by admin

Owning real estate has continued to be a good investment and housing option for those that reside in the Bloomsburg, PA area. When you are a property owner, having a consistent place to call home and benefiting from value appreciation can be quite helpful. Getting the right insurance is necessary if you are a property owner. It would help if you got a home insurance plan in this town for various reasons.

Cover Your Home

A primary reason for someone to get home insurance if they are in this state is to cover their home. If you are going to purchase a property, you will want to know if it is covered if you incur a loss. When you have home insurance protection, you will have support if your home is damaged in a fire or another situation resulting in a loss.

Reduce Liability Risks

A property owner in this part of the state should also get insurance to reduce the risks associated with liability. Many liability risks can come with owning a home, and being named in a liability claim can come with many damages. If you are adequately insured with a home insurance policy, you can help to mitigate this risk moving forward.

If you purchase your home in the Bloomsburg, PA area, you will also want to know that you are adequately insured. As there are a lot of choices to make when evaluating your insurance options, beginning the process by calling The Good Insurance Group LLC is a good option. The Good Insurance Group LLC team can give any support you need to select a policy and ensure you are appropriately covered.

Does My Classic Car Have To Be Kept In A Garage?

Posted on June 24, 2022June 23, 2022 by admin

Keeping your classic car in a garage is essential to its long-term health and preservation. First and foremost, garages protect your vehicle from environmental hazards. These include sunlight, rainfall, dust, and pollution. They also keep your classic car safe from curious hands. Kids love to explore the world around them, but they don’t know about the delicate and precious things are that they touch. You also don’t risk your valuable car from theft or other risks. To inquire, The Good Insurance Group LLC in Bloomsburg, PA is your nearest pal.

What Involves Keeping Your Classic Car

Keeping your car in a garage is always recommended for its protection and preservation, but if you don’t have a garage or can’t put it in one, there are other ways to go about it. You want to keep it away from environmental hazards. Sunlight will fade the paint on your car, cause the seats to crack, and make the dashboard crack as well. Rain and snow will cause the same problems like direct sunlight, and in addition, it will rust the car. Your vehicle will have a longer lifespan if you protect it from the elements and maintain its cleanliness.

Depending on the make and model of your classic car, it may or may not have to be kept in a garage. As long as the car is maintained regularly, it can be driven year-round. However, if your classic car is a convertible model, then it is best to keep it indoors when not in use. Keeping the car in a garage will protect it from extreme temperatures and UV rays. It is also advisable to keep your classic car in a garage if it is a rare or high-end model.

If you do not have the option of keeping your classic car in a garage, you can still protect it from the sun’s harmful rays by applying a car wax that blocks UV rays. If you live in a hot climate, you should also wax your car twice a year instead of once. While keeping your car in a garage whenever possible will help reduce the amount of wear and tear it experiences, it’s not imperative. If you park it in a shaded or well-ventilated location and clean it regularly to remove dirt and grime, your classic car will last a long time, even if it’s driven daily.

Bottomline

Regular maintenance is imperative for the long-term health of your classic car. While it is not necessary to go to the expense and trouble of restoring your car to mint condition, keeping it in good working order is necessary. Regular maintenance includes oil changes, tire pressure checks, fluid top-ups, and other routine tasks that keep your car healthy and safe to drive. Get vital tips from The Good Insurance Group LLC in Bloomsburg, PA.

Recreational Insurance Can Help Protect your Next Vacation

Posted on May 26, 2022May 26, 2022 by admin

If you have plans to head out on vacation in a recreational vehicle of any kind, you want to make sure you have the right type and level of insurance protection. In the Bloomsburg, PA area, The Good Insurance Group LLC can help. With recreational insurance options that meet your needs, you can feel safe and secure. That means enjoying your time away since you won’t be worried about whether you’re covered in the event of an accident.

Don’t rely on your standard vehicle insurance policy to cover anything on your recreational vehicle. Since they are separate vehicles, they need separate policies. You may also need a different kind of policy depending on the sort of recreational vehicle you have. There are several different policy choices, and they aren’t all going to give you the same level of protection. But there may be more than one option that will work well for your needs.

Talking with your agent can help you find the solution to protect you adequately. It’s an important part of the vacation planning, along with finding campgrounds to stay at, deciding what attractions to see, and getting ready for your adventures. With Good Insurance, you’ll have one less thing you need to worry about and can focus on all the places you want to see and the new experiences you’re looking forward to having.

When you work with The Good Insurance Group LLC agents, you can find the right policy for your Bloomsburg, PA area recreational insurance needs. Then you can plan your next vacation and travel with confidence. Reach out to us today, and let us answer your questions, so you can choose insurance coverage and get back to planning your trip.

How Do I Decide How Much Renters’ Insurance I Need?

Posted on April 28, 2022April 28, 2022 by admin

You don’t want to lose the possessions you have in the house or apartment you rent to fire, theft, or some other calamity. We at the Good Insurance Group LLC urge you to buy renters’ insurance. How much you need depends on what your home inventory reveals.

Residents in Bloomsburg, PA, or any city can compile one by listing the contents of each room. Think TV, computer, furniture, clothing, and jewelry. Don’t forget smartphones.

Apps Simplify and Organize the Process

A better —and probably more accessible way—is to use technology. Research free and paid apps. They also let you store pictures. Some even allow you to scan QR codes.

The National Association of Insurance Commissioners (NAIC) offers free apps for iOS and Android phones. Other apps include, but are not limited to, BluePlum Home Inventory, Encircle, My Stuff, and Sortly. Mememto Database is suitable for Android, Windows, Linux, and Mac.

Of course, having receipts helps to determine value. If you don’t have them, estimate the cost. If you have particularly valuable items, you probably have already had them appraised.

Even if you don’t use an app, take photos or videos of your possessions and record the make, model, and the serial number of each. Doing this establishes their existence and their condition before an incident.

Include any descriptive information, and record how old each item is. Add up the values to determine how much insurance you need. Do you want a policy that offers replacement value or one that factors in depreciation?

The Good Insurance Group LLC agents, which serves Bloomsburg, PA, can guide you in determining how much coverage you need. Contact us today.

Why Flood Insurance is a Must

Posted on March 31, 2022April 5, 2022 by admin

Even if you do not live in a flood zone, it does not mean that your home is immune from potential flooding. FEMA estimates that just one inch of water can cause $25,000 in damage. While it is easy to assume that your homeowner’s insurance policy will cover flood damage, the reality is that it is unlikely to do so. If you live in a high or medium-risk flood area, your mortgage lender is likely to require that you have flood insurance. However, if you do not have a mortgage, you should still purchase flood coverage because flooding can happen anytime, from melting snow to construction in your neighborhood to burst pipes.

It is easy to mistake that low-risk flood zones signify no-risk flood areas. However, because flood maps change over time with factors like climate change or local infrastructure changes leading to new or different flood areas, flood insurance provides extra peace of mind. If you live in a flood zone, head over to FEMA’s Flood Map Service Center to find out more information.

There are two types of flood insurance offered, one through the National Flood Insurance Program and the other through private insurers. Purchasing flood insurance through a private provider offers several advantages, including:

Higher Coverage
Shorter Wait For Effective Date
Backed by the State

Contact The Good Insurance Group LLC in Bloomsburg, PA for more information on flood insurance. Our friendly and professional team is industry-trained and highly knowledgeable on all types of insurance policies. Give us a call today to schedule a no-obligation consultation with a member of our team.

How Does Umbrella Insurance Work?

Posted on February 7, 2022February 1, 2022 by admin

When you have home and auto insurance, you may not have the protection that you think you do. These policies often have little liability coverage contained in them, and this can mean that you aren’t able to pay for a serious accident. One way to remedy this is to get an umbrella policy. If you are interested in getting one of these policies, give us a call today at The Good Insurance Group LLC in Bloomsburg, PA.

Liability Coverage

Your home and auto policies will have some liability protection, but the amount is often low. This can leave you ill-prepared to pay for a serious accident that happens on your property or in your vehicle. An umbrella policy gives you extra liability coverage for both of those insurance policies. And, it costs much less to get an umbrella policy than it would to add coverage onto your home and auto policies. This is a budget-friendly way to get a lot more coverage.

How It Works

Once an accident happens, the first insurance policy to pay out will be your home or auto policy, depending on the type of accident that occurred. This policy will come in and pay for the accident’s medical bills and other expenses, but only up to its stated maximum payout. After that, you would be on your own to pay the rest if you didn’t have an umbrella policy. If you have one, it would come in next and pay what is left of those bills, and it has a much higher maximum payout than your home or auto insurance.

Get Your Umbrella Policy

If you want to have more liability coverage for your home and auto policies, call us now at The Good Insurance Group LLC in Bloomsburg, PA to find out more about these policies.

What Does Condo Insurance Cover?

Posted on January 24, 2022February 1, 2022 by admin

Living in Bloomsburg, PA is truly special – if you are a resident of the area, The Good Insurance Group LLC has years of expertise in all types of insurance. Keep reading for information on condo insurance.

Good condo insurance policies cover a few different things, and they’re all very important to protect you financially in different scenarios. One is personal liability protection, which protects you if someone is injured on your property and it is deemed your fault.

Another is property protection, which covers the interior of the condo, including the walls, fixtures, and other things of that nature. Property protection does not, however, cover your personal belongings within the condo. This is very important to note.

Lastly, personal property coverage covers your belongings, including electronics, furniture, appliances, and more.

Just like any other home insurance policy, condo insurance can be customized with regards to what you own, what you want to be protected, and the value of your luxury items (if you have any you want to be insured).

We know this can be confusing and overwhelming. The Good Insurance Group LLC is here to help condo dwellers in Bloomsburg, PA to find a policy that fits their lifestyle and needs, without breaking the bank. If this sounds like something you’d like to explore further, visit our website today.

We have an experienced team of agents who are happy to help you find the best coverage for you. That way, you can get back to enjoying life in Pennsylvania and enjoying your beautiful condo. Don’t hesitate to reach out to us – we’re here to help and would be honored to serve you.

The Good Insurance Group, LLC

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