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Do I Need RV Insurance When It’s Garaged?

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Your RV is an investment that you want to protect. Whether you are a seasonal "camper" in Emmaus, PA, or enjoy the great outdoors throughout the entire year, having your RV and the belongings inside protected is important. Your experienced team at Patrick McNealis Insurance and Financial Group, serving the Emmaus, PA, area, is here to help you get the proper RV insurance.

What is the Difference Between Collision and Comprehensive?

Collision and comprehensive insurance are two types of protection you should consider for your RV. Collision coverage covers repairs to damage that happens if your RV is in an accident with another vehicle or object, such as a fence or guardrail. 

Comprehensive coverage is insurance that covers unexpected damage caused by things other than a collision and could include:

  • Fire
  • Theft
  • Vandalism
  • Windshield and glass damage
  • Falling trees and limbs
  • Extreme weather events

The Benefits of Full Coverage RV Insurance

You might think paying for RV insurance while parked is unnecessary. Whether you have a Class A motor home or a small camper, keep in mind that even if it is in a safe place, the unexpected can happen. If you don’t have insurance and you experience theft or vandalism, you will have to pay for repairs and replacement of your property. If your RV is stored in an outdoor location and extreme weather causes damage, you will also have to pay out of your pocket for those damages. Protect your investment and get the proper coverage for peace of mind.

Get RV Insurance You Need

Patrick McNealis Insurance and Financial Group, serving the Emmaus, PA, area, is here to provide RV insurance coverage. Contact us today for your insurance needs.

Do Classic Motorcycles Need Traditional Motorcycle Insurance?

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Having the correct type of motorcycle insurance for your classic bike is imperative. Patrick McNealis Insurance and Financial Group experts can help you determine which policies best suit your needs. We offer superior customer service and support to make obtaining insurance a breeze. Let us help you get coverage that offers peace of mind. 

Motorcycle Insurance Protection For Classic Bikes

Insuring your classic motorcycle becomes even more important when it comes to selecting between the ordinary motorcycle policy and a special classic motorcycle policy. The coverage benefits in each are the prime concerns and comparison points for a person to make their decision. On the other hand, some aspects of traditional motorcycle insurance are likely to cover the most popular risks like theft, accidents, and liability. Still, one that provides specific coverage for classic bikes might be a good choice.

Contrary to modern-day motorcycles, most vintage motorcycles are identified and covered based on their intrinsic value. This implies that the appreciation of these types of motorcycles occurs. Hence, their safety is insured because of their historical importance and likely rise in value. Specialized classic motorcycle insurance plans are constructed to meet the needs of different specific characteristics, such as agreed value coverage that ensures the payment equals the machine’s determined value in case the machine is lost or totaled. Classic motorcycle insurance might also help reduce the cost of spare parts or restoration if they are not included in the general insurance policy. Thus, classic motorcycle owners must make essential decisions concerning insurance selection. In many cases, the owners should opt for specialized insurance because it is the right way of truly providing safety for their special bikes. 

Learn More About Motorcycle Insurance Near Emmaus, PA

If you’re ready to learn more about classic motorcycle insurance, don’t hesitate to contact our team at Patrick McNealis Insurance and Financial Group. We proudly serve the residents of the Emmaus, PA, area and help them get coverage that offers the best protection against risk. Please call or stop by our office today to get started. 

Determine If an Umbrella Policy Will Benefit Your Business

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The Role of Umbrella Insurance in Your Business

As a business owner, it is critical to understand the benefits of umbrella insurance. If your business poses a greater risk for potential lawsuits, you may want to consider the added protection that umbrella insurance offers.

Understanding Liability Coverage

Evaluate the degree of potential liability risks associated with your business. Past incidents at your establishment can serve as indicators of the need for increased insurance coverage. A standard liability insurance policy offers protection against possible lawsuits. It’s necessary to review your existing policy to understand the extent of your current liability protection.

Assessing Risk Levels

Determine potential risks within your business that could lead to lawsuits. Factors such as chemical storage and the use of heavy or risky machinery should be examined. Higher-risk activities may require additional liability protection through umbrella insurance.

Opting for Formal Inspection

An insurance inspection can be beneficial in assessing the current state of your premises. The resulting report can guide you in implementing necessary safety upgrades to your business, possibly before opting for any additional coverage.

Consultation With An Insurance Agent

Before making a decision regarding umbrella insurance, we recommend consulting with one of our experienced agents at Patrick McNealis Insurance and Financial Group. Our expert team in the Emmaus, PA region can help you navigate through various insurance options and help select the best umbrella coverage for your business.

Do I Need Flood Insurance If I am Not in a Flood Plain?

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Many residents living in or near Emmaus, PA, think they don’t need flood insurance if their home is not in a designated flood zone. That misconception can lead to substantial out-of-pocket expenses as flooding can occur from various unexpected circumstances. Patrick McNealis Insurance and Financial Group can advise you on why flood insurance is an excellent idea to protect your home.

Flooding Comes From Many Sources

The Federal Emergency Management Agency (FEMA) indicates that as many as 25% of flooding claims come from homeowners who live in low to moderate-risk areas. Still, the agency’s statistics only include homeowners who have flood insurance. That means many more must pay for the damage themselves. Some mistakenly believe that Federal Disaster Insurance will cover flooding damage. However, the federal government must declare a disaster area for a community to be eligible for federal disaster assistance. Even then, the assistance comes from loans the borrower must repay with interest.

Floods can come from many sources, including rapidly melting snow, excessive rain, mudslides or mudflows, land collapse along lakes and rivers, dam failures, sump pump failures, and backups, and even something as odd as a neighbor’s pool collapsing and flowing onto your property.

Protecting Your Property With Flood Insurance

While most homeowners’ policies include protection from water damage, this coverage only provides damage from broken pipes, rain that enters your home from a storm, and similar incidents. Flooded basements are caused by drain pipes and other causes that require flood insurance. Even then, homeowners must be careful about covered incidents in their policy.

If you want to add flood insurance to your home policy, contact the experts at Patrick McNealis Insurance and Financial Group, serving Emmaus, PA. Our agents will gladly help you select a policy that fits your needs and budget.

 

Costs to Consider When Buying a Condo

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Buying a condo can be pretty exciting. On the one hand, you’ll have a place to call your home, an abode where you can unwind in comfort, and an investment that might turn a substantial profit someday. On the other hand, you can enjoy many conveniences that come with living in a condo community, potentially including security, on-site amenities, landscaping, and more. However, before signing on the dotted line, it’s smart to consider the full costs, including HOA premiums, condo insurance policy costs, and more. If you have questions or concerns, contact Patrick McNealis Insurance and Financial Group, serving Emmaus, PA,

Costs You Can’t Overlook When Buying a Condo

First, with many condos, you’ll have to pay a fee to a management organization. This is often called a Home Owner’s Association (HOA) fee, and the costs can vary widely. With some condos, it might be just a few hundred dollars. With others, the fees could exceed a thousand dollars. These fees will pay for various things, potentially including landscaping, garbage fees, and more. What’s covered will vary, so read the fine print.

Often, HOA fees will help pay for repairs for community property, such as the road or the roof on a high rise. However, extra fees will sometimes be charged to pay for extensive repairs. It’s wise to inquire to see if there may be hidden or unanticipated costs.

Another cost you shouldn’t overlook is insurance. While the condo management company may take out an insurance plan, it likely won’t cover everything for your personal unit. If someone breaks into your condo and steals stuff, it might not covered under the condo management’s insurance, for example. The right personal condo insurance plans, however, may provide coverage. If you need help selecting condo insurance, contact Patrick McNealis Insurance and Financial Group, serving Emmaus, PA.

I’m a renter and have few assets. Should I invest in life insurance?

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Life insurance has many benefits. A one-size-fits-all approach doesn’t apply to life insurance. Depending on the terms of your policy and the benefits, a life insurance policy can meet many needs. Term life insurance and whole life insurance are two forms of insurance that people can choose from when deciding on a policy. Our team at Patrick McNealis Insurance and Financial Group can help Emmaus, PA, residents choose a policy that best fits their needs.

What is life insurance?

Life insurance is designed to pay your chosen beneficiary or beneficiaries a lump sum of money when you pass away. People can invest in life insurance that will span their entire lives or invest in a policy for a set amount of time. An insurance agent can help you explore the pros and cons of each type of insurance. When you invest in life insurance, you pay a monthly sum every month. Some policies have living benefits or benefits that are available to you while you are still alive. If you fail to make your monthly payments, you void your insurance policy, and your beneficiaries aren’t eligible for a lump sum payment when you pass away.

I’m a renter and have few assets. Should I invest in life insurance?

Even if you don’t have many assets, life insurance can still have benefits you can take advantage of. If you name a beneficiary, the lump sum they receive can pay for your final expenses and any other expenses you may have. This can be helpful if you’re worried about leaving your family with bills or with a costly burial. Life insurance can provide final expense payments and burial as a benefit. If you have questions about life insurance, call us. We’d be happy to answer them. 

Trucking Insurance to Meet All Your Trucking Needs

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From having the necessary general liability coverage to cargo insurance amounts or deductible options, the right insurance partner makes a difference. That is also why tractor owners and trucking companies from all around Emmaus, PA, turn to Patrick McNealis Insurance and Financial Group for all their trucking insurance needs.

State Trucking Insurance Services

Pennsylvania is not only a major player in the world of business and industry, but it also provides some of the most heavily traveled trucking lanes in the US. As evidenced by the number of Pennsylvania-based trucking companies, trucking is big business in this prominent Midwest state.

Do you need to increase your cargo insurance to satisfy a customer? Are your drivers also involved in loading and unloading, and does your trucking insurance have the necessary liability options to protect everyone? If you have questions or need help finding the right trucking insurance solutions, we can help. At Patrick McNealis Insurance and Financial Group, we take the headache, hassle, and confusion out of trucking insurance.

With straight talk, the coverage options trucking companies need, and second-to-none customer service, trucking companies can worry about taking care of business. Patrick McNealis Insurance and Financial Group takes care of keeping your business insured. From cargo insurance requirements to trucking insurance for single owner-operators to fleets, the Patrick McNealis Insurance and Financial Group has you covered.

Contact Patrick McNealis Insurance and Financial Group for All Your Trucking Insurance Needs

If you are looking for trucking insurance or want to learn more about insurance coverage options, our Patrick McNealis Insurance and Financial Group team can help. Contact us to find out more about our trucking insurance services or to schedule an appointment today and get the coverage you need every mile of the way.

Protecting Your Emmaus Enterprise: A Commercial Insurance Primer

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At Patrick McNealis Insurance and Financial Group, we are here to provide Emmaus, PA clientele with all the help they need from a commercial insurance standpoint. There is no shortage of ways to protect a business, and commercial insurance is at or near the top. To learn more about the advantages that commercial insurance has to offer, please be sure to read on.

Employee Benefits

It should go without saying, but employee benefits are crucial to any recruitment package. If an employer cannot remain competitive in this regard, their talent pool will start shrinking rapidly. That’s where commercial insurance comes in handy. If an employee is sick or injured on the job, a commercial enterprise needs to have the proper policy to insulate itself against these sorts of concerns.

Property Damages

Property damages have a way of taking place during the moments when they are at least expected. A commercial insurance policy providing the necessary protections is an absolute must. Any unwanted downtime or sustained property damage is hard for any commercial enterprise to overcome. It is always better to be proactive instead of reactive in these instances.

Data Breaches

In today’s climate, data breaches are one of the most debilitating occurrences in any business environment. The loss of trust from the general public is difficult to restore, and commercial insurance is a great way to protect a business from this uphill battle. Otherwise, a company will be left holding the bag when its data systems have been breached.

Would you like to learn more about commercial insurance and how it can protect your enterprise? Contact Patrick McNealis Insurance and Financial Group and get the information you need. We are ready to help any prospective clientele in the Emmaus, PA region.

What are my auto insurance requirements in Pennsylvania?

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When you are in the Emmaus, PA area, you will want to know that you have a reliable way to get around the community. For many people, this can mean owning a car. If you are going to buy a car when you are in this area, you also need to make sure you get the right insurance. For those here, there are various requirements to consider when looking for coverage. 

Minimum State Liability Requirements

As you seek insurance in this state, you must consider the state minimum liability requirements. Like other states, Pennsylvania requires all car drivers to have certain levels of liability coverage. This includes having bodily injury coverage of $15,000 per person and $30,000 per incident, personal property coverage of $5,000, and uninsured motorist coverage of $30,000 per accident. If you do not have this coverage, you could be penalized if caught driving without it.

Auto Loan Provider Requirements

With the price of vehicles continuing to rise over the years, it is widespread for car owners to carry an auto loan. If you have taken out a loan when buying a car, you need to meet the insurance requirements set by your lender. Usually, a lender will require you to have a full comprehensive and collision plan. This is helpful coverage as it will ensure you have coverage for damage or theft.

Anyone in the Emmaus, PA area will want to know they have proper insurance. When you are looking for coverage, you can call our team with Patrick McNealis Insurance and Financial Group to discuss your needs. When you call our team with Patrick McNealis Insurance and Financial Group, you can get all the guidance necessary to build a new policy. 

Four priorities when you buy classic car insurance

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Your classic car insurance policy should protect your vehicle’s value. Classic car insurance policies are designed for high-value vehicles that generally don’t get as much usage as average vehicles used for everyday commuting.

Patrick McNealis Insurance and Financial Group offers classic car insurance to consumers in Emmaus, PA. When you buy classic car insurance, there are a few priorities you should focus on. The following are four priorities when you purchase classic car insurance. 

Choosing a policy with agreed-value coverage

Agreed value coverage ensures you won’t be compensated significantly less for your vehicle after it depreciates in value.

It’s a good idea to choose an agreed-value policy rather than an actual cash-value policy to ensure that you’re getting adequate coverage. 

Including inflation protection

With inflation protection, the agreed value you receive for your motorhome, if it is totaled, will be adjusted for inflation. This further ensures you’ll get a definite value back on a claim if your motorhome is totaled. 

Knowing any mileage limits that are included in your policy

Some classic car insurance policies come along with mileage limits. You may only be able to drive your classic car a certain number of miles within a given period for your policy to remain in effect. It’s essential to be aware of these mileage limits so that you don’t go over them and lose coverage as a result. 

Getting modifications covered

Many classic car owners make modifications to their vehicles that increase their value. If you’ve made modifications to your vehicle, ensure these modifications are covered under your policy. 

Let us help you find the right policy for your classic car in Emmaus, PA. Call us at Patrick McNealis Insurance and Financial Group, and we’ll provide you with a quote on a policy that provides you with the coverage you want and need.