Keystone State Insurance

929 S High St #20B
West Chester, PA 19382

Tips for Winder Driving

The roads are icy and snowy. People are scared to drive on the road while others aren’t taking into consideration that the road conditions are different. For these reasons, you may know a few driving tips to make commuting in the winter safe, and Keystone State Insurance, serving West Chester, PA, and nearby states such as Delaware, can help. 

Go at a Comfortable Speed for You

It doesn’t matter if the car in front of you is still traveling 30 miles per hour on that back road or not. You need to remain at a comfortable speed for you. Generally, speeds on the Freeway reduce by three to 13 percent when there’s a slight amount of snow and five to 40 percent when there’s heavy snow, so take that into consideration when you’re on the main road.

Space Between Cars 

You want to leave more space between you and the car in front of you and the one behind you when it’s snowing. You want enough space that you can decelerate slowly to prevent sliding. 

Keep a Steady Speed

You don’t want to try accelerating when you’re going up a hill. Unfortunately, accelerating up a hill in the snow will just get your wheels spinning. You actually want to build speed on the level before you get to the hill to make sure you have enough power to go up the hill. 

Have Emergency Supplies 

You always want to have food, water, a blanket, spare clothing, and a phone in your car during the winter. Sometimes, the road is just too bad for you to venture on, and you want to be prepared if you should happen to get into an accident.

Always Have Insurance 

While you should never go without insurance, it’s even more important during the winter. You never know when you’re going to get into an accident, especially in the winter. 

Get an insurance quote with Keystone State Insurance, serving West Chester, PA, and the surrounding region, by calling our office.

When is it Necessary to Upgrade your Home Insurance?

Many homeowners fail to keep track of their home insurance after their initial purchase. They renew their policy year after year without considering changes in their home or lifestyle that could affect their coverage. By failing to review your policy periodically, you could be losing out on essential coverage. When is it necessary to upgrade your home insurance? At Keystone State Insurance in West Chester, PA, we suggest homeowners upgrade their policies if they have:  

Made Major Renovations to Their Property

As homes age, it’s only natural for homeowners to make renovations to enhance their home’s appearance and function. Major renovations like replacing a worn roof, adding a new bathroom, or giving your kitchen a complete do-over will also increase home value. If your home were insured at a lower rate before your renovations, you’d need to upgrade your insurance to make up the difference in value. Your dwelling insurance should be enough to rebuild your Pennsylvania or Delaware home if it’s devastated in a catastrophe.  

Added Pricey Goods to Personal Belongings

If you received pricey gifts or made expensive purchases over the years, these need to be added to your home insurance policy. If the limits of your policy aren’t sufficient to protect these goods, you may need to raise your limits or get an endorsement for additional coverage. Ideally, you want coverage that will cover the cost of replacing your goods if they are stolen or damaged, so these funds don’t come out of pocket.

Changed Their Lifestyle 

Lifestyle changes, like getting a dog or installing an in-ground pool, increase the risk of accidents happening on your property. Upgrading your liability coverage can protect you against a lawsuit if your pet bites a visitor or a friend has an accident during a pool party. 

For more information on home insurance options and costs in Delaware or Pennsylvania, contact Keystone State Insurance at our West Chester, PA office.

What Does Boat Insurance Cover?

Boat insurance in West Chester, PA can cover different things, depending on the type of policy you have, but there are a few standard protections that it may include. An agent at Keystone State Insurance can help you find the right policy to get the coverage you need for your boat.

Collision coverage will include the replacement or repair of your boat if you get into an accident. Comprehensive coverage will help provide protection for your boat if it is damaged in an incident other than an accident. This can be if it is stolen or vandalized. Trailers may or may not be covered, depending on the policy. Clarify with your insurance agent about replacement cost versus actual cash value. Replacement cost will reimburse you to repair it back to its original condition, while actual cash value will take the current market value into consideration.

Property damage liability will cover any damages you cause to someone else’s dock, boat, or other property. Bodily injury liability will cover any injury that is caused while using your boat. This coverage will include payments for lost income, legal expenses, medical bills, and pain and suffering.

Additional coverage options include insurance for medical payments, fishing equipment, personal property, oil spills, or any injuries and damages that could be caused by boaters who don’t have enough insurance or aren’t insured. There is also roadside assistance for boats that can help pay for onsite labor to tow your boat or trailer to a nearby qualified repair shop. Personal effects insurance will help cover replacement costs for any damage to personal property that is on board. There are some policies that can bring some of these protections together. If you take your boat on a weekend or short fishing trips, you will want coverage for fishing equipment, personal effects, and towing.

Contact Keystone State Insurance, serving West Chester, PA, to get a quote on boat insurance. 

How Umbrella Insurance Can Protect Your Interests

No matter what kinds of interests you have in your home, business, and other aspects of life, you want to make sure the investments you have made in these things are properly protected. Fortunately, there are insurance products that can help you with that. One of those products is umbrella insurance, which offers an overarching option to add additional coverage beyond what would typically be provided with other policies. By working with Keystone State Insurance in West Chester, PA, you can get information on umbrella insurance and how it can help you have a more relaxed attitude and protection from accidents and incidents.

Umbrella insurance works for protection the way an actual umbrella works for rain. It goes over the top of the things you already have and adds another layer of protection to your policies. If you have an auto policy with certain coverage limits, for example, and a claim exceeds those limits, your umbrella policy may protect you. But make sure you talk with your agent about what is specifically covered and do not just assume that you are protected because you have umbrella coverage. Your peace of mind is important, but it should be genuine and based on the coverage options you actually have for proper protection.

Reach out to us today at Keystone State Insurance, and see how we can help protect your life in or around West Chester, PA. Many different policy options could work for you, and you need an agent that can explore them and give you the proper options to choose from. Contact our offices to get a quote and learn more about the process. We take pride in serving residence all over the state of Pennsylvania.

Tips to Discuss Life Insurance with Your Senior Loved Ones

Talking about life insurance with a senior may not be easy. The chances are that your loved one will be apprehensive or even assume that you are thinking of their demise. You have to approach the issue delicately to avoid upsetting them. In this light, this piece will give you simple tips that you can follow to discuss life insurance with your senior loved ones and convince them to take a policy.

Address the Benefits of Life Insurance

What better way to help your loved one warm up to the idea of getting life insurance than by talking about its benefits? Let them know that the policy comes with various benefits depending on the type of coverage one has. For example, Keystone State Insurance in West Chester, PA offers two kinds of life insurance: term life and permanent life insurance. Both options have great benefits that accrue to the policyholder and their beneficiaries.

Understand the Subject Matter

Before approaching your loved one, make sure that you have basic information regarding life insurance. Understand the difference between term and permanent life insurance. With this understanding, you can explain the policies better to your senior and even help them choose a plan that will generate maximum benefits for them and their beneficiaries.

Be Time Sensitive

Finally, carefully choose when to discuss life insurance with your senior loved one. Don’t talk to them about the policy when they are sick or in hospital. This can cause unnecessary anxiety and cause them to think that they are about to die. Choose a time when your loved one is relaxed and in perfect health so that they can positively take in the issue.

Life insurance comes with many benefits for the policyholder and their beneficiaries. Contact Keystone State Insurance in West Chester, PA today so that you can gain more information on life insurance.

Can My Friends Drive My Car?

Have you ever found yourself in a situation where your friend asks to borrow your car in West Chester, PA? Perhaps you said yes and handed over the keys. Perhaps the thought crossed your mind wondering, "What if they got into a car accident." "Are they covered?" "Am I covered?"

Typically, there is no problem with letting your friend borrow your car to grab some eggs from the corner store as long as you give them permission to take your car and you have auto insurance coverage. Again, once in a while is ok, but letting someone borrow your car consistently can pose some problems, especially if they do get into an accident that is their fault. In truth, it really depends on what your insurance policy says.  

If you do let a friend borrow your car and there is a crash, typically your insurance kicks in first to cover the damages. After that, the auto insurance policy of the driver, if they have a policy, will kick in to cover other expenses. Of course, this is not a guarantee as different insurance policies have their own rules to follow in such a situation.  

Before you hand over the keys to your friend, you should call your insurance company to find out what their policy is about letting others drive your car. This way, you know if you are protected or not. If you’re looking to purchase a new auto insurance policy or change an existing one, contact the team at Keystone State Insurance.  Serving the West Chester, PA area, Keystone State Insurance can be contacted at 610-692-4400.

 

 

 

 

 

Does Your Home Insurance Protect Your Vacation Home?

This is a more complicated question than it sounds. While your West Chester, PA agent at Keystone State Insurance encourages you to talk to them about your specific situation with a Pennsylvania property, there are a few short answers that may help you start moving toward the right path to protect your property and wealth.

Renting for a Week or Month?

If you are going on vacation, your home insurance policy does provide some liability protection. If you should damage the rental property, you may be protected. The landlord’s insurance would cover the building and also extend some coverage for trip and falls on the property. Every policy is different. Check with your agent before buying extra rental insurance.

Owning a Second Home

If you own the house by the lake, you should be able to extend your original home insurance policy to cover the second property. You will want to discuss protecting outbuildings, furnishings, and any boats or ATVs that stay at the summer house. If you host large parties, make sure that your liability portion is sufficient to cover multiple medical incidents.

Timeshares or Leasing Your Property Out

Perhaps you want to rent out the summer house to friends in the fall or place an ad for weekend rentals. If this is the case, you will need to look at commercial property insurance. Your standard home insurance will not apply in this situation. Your agent may be able to recommend a policy crafted that best works for your budget and use of the house.

No matter if it is a cabin in the woods or a loft in downtown West Chester, PA, the agents at Keystone State Insurance welcome you to give them a call to discuss how your investment can best be protected with a home insurance policy.

What Things Should You Consider when Buying boat Insurance

Keystone State Insurance in West Chester, PA can advise you on what you need to stay protected while operating a boat in Pennsylvania. While the Pennsylvania Fish and Boat Commission does not require a boating license, you need, in most circumstances, to carry a card which signifies that you have a Boater Safety Education Certificate if born after January 1, 1982. This approved boater safety course certifies yourself to operate a boat.   

The card, while not a license, has the same force of a license. The Pennsylvania Fish and Boat Commission officers enforce the requirements and will arrest those boaters who are legally under the influence of alcohol.

Recreational boating is a leisure activity where over 87 million U.S. adults participate. When buying boat insurance, certain things must be taken into consideration:

How is the boat used?

  • Pulling water skiers at high speeds?
  • Will there be passengers in the boat at high speeds?
  • Adequate liability coverage would be necessary for injuries.

Do you need a separate policy?

  • Homeowners insurance is not enough for a boat stored off of the home’s property.
  • Proof of separate insurance is needed if the boat is stored over the winter and it is required by the marina. 

Emergency towing needed?

  • Recommended if you boat on large lakes
  • Towing can be expensive without insurance

Need special equipment on the boat?

  • Downriggers and electronic equipment can be covered by a boat policy
  • Insurance can cover other accessories on the boat

Susceptible to animal damage?

  • Raccoons, rodents, cockroaches, weevils
  • Can protect your vessel while it is being stored from animals

Keystone State Insurance will find a policy to protect you and your boat. Please call for more information and a quote.

Should Homeowners Purchase Umbrella Insurance?

As a homeowner, you need homeowners insurance in the event that something happens, like your house burns down. But did you know that a typical home insurance policy in West Chester, PA doesn’t cover everything that could occur on your property? Because of this, most insurance agents recommend purchasing umbrella insurance on top of your homeowner’s insurance. Why? Read on to find out.

What is Umbrella Insurance?

Umbrella insurance is an add-on to your homeowner’s insurance as extra liability insurance. Its purpose is to protect your asset in the event of a major claim that your regular homeowner’s insurance does not cover. It can also be added on to numerous other policies such as auto insurance.

What is Umbrella Insurance used for?

The future is always uncertain. It’s impossible to predict that something could happen on your property that could cause you to lose your house. But unexpected events do happen, and that’s how umbrella insurance can help. Here are three examples of what this insurance may hypothetically cover:

  • Your dog bites someone on your property, other than an intruder, and causes serious injury to the individual.
  • You’re hosting a party at your house, and you’ve invited friends and family when suddenly, the date of a friend tumbles down the stairs and sustains a head injury. Since this happened on your property, you are liable for the major medical claim filed. This is when your umbrella insurance kicks in and protects your asset against the claim.
  • Some neighborhood children are playing in your backyard. They’re climbing a tree when suddenly one of the children falls to the ground and breaks an arm. The parents decide to sue.

As you can see, umbrella insurance is a smart protection to have. To learn more about purchasing this type of insurance for your West Chester, PA home, contact the team at Keystone State Insurance. Our agents are reputable, knowledgeable, and will answer all of your questions. To have your questions answered and to get a quote, contact Keystone State Insurance today.  

Do I Need Life Insurance?

Life insurance: it can be a scary topic. It’s hard to know when you need life insurance, and it can feel like an unnecessary expense. Consider the following questions when deciding whether it’s time for you to purchase a life insurance policy. Make sure you stop in at Keystone State Insurance in West Chester, PA to talk with an agent about any additional questions you might have. 

  • As uncomfortable as it may be, think about who will be responsible for making arrangements after you pass away. Is the responsible party someone who is independently wealthy? Is the responsible party someone who might struggle with the thousands of dollars a funeral and burial can cost? By purchasing a life insurance policy, you’re alleviating your loved ones of the financial burden that sadly accompanies death. 
  • Do you have children? If so, a solid life insurance policy will ensure that your children are financially taken care of after you pass. 
  • Are you independently wealthy? If so, estate planning may make more sense for you than a life insurance policy. Talk with a qualified estate planner to discuss which option makes the most sense for your personal financial situation. This isn’t the time to be humble- you want to make sure that your hard earned money goes exactly where you want it to go after you’re gone.

Life insurance does not have to be stressful or expensive. It’s important that you talk with a qualified agent who can help you make life insurance decisions that make sense for you and your family. Stop in at Keystone State Insurance in West Chester, PA to talk with an agent who will understand your needs.

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