Send us a Text Click to Call
Options Insurance Group

305 Camp Hill Rd
Fort Washington, PA 19034

Get Directions

Author: admin

Does Commercial Insurance Cover Natural Disaster Damage

Posted on by admin

While commercial insurance isn’t typically required by law, it’s a must-have for most business owners. These policies can help reimburse business owners for lost inventory or cover the cost of structural damage. It’s especially important to know whether your policy covers damage from natural disasters before an emergency occurs.

Natural Disasters Typically Covered

Most commercial insurance policies cover a wide range of everyday natural disasters, including:

  • Lightning damage
  • Damage from fallen trees
  • Hurricane damage
  • Tornado or wind damage
  • Damage from a storm surge

However, coverage can vary based on your location. For example, insurance companies in areas prone to hurricanes or tornadoes may require additional coverage or exclude certain risks altogether. It’s important to speak with a professional at Options Insurance Agency to understand what your Hershey, PA, policy covers.

Natural Disasters Often Excluded

Some natural disasters are commonly excluded from standard commercial insurance policies. Business owners concerned about these risks should consider purchasing additional coverage. Excluded disasters often include:

  • Earthquakes
  • Volcanoes (including damage from lava, ash, and other volcano-related events)
  • Floods

If your business is at risk for these types of disasters, additional coverage is essential to ensure you’re fully protected.

Consider Business Interruption Insurance

Standard policies may exclude or provide limited business interruption insurance. Business owners should consider purchasing additional coverage to protect against lost income in the event that operations are disrupted due to a covered peril, such as a natural disaster. This type of insurance can provide the financial lifeline needed to reopen your business after repairs are completed.

At Options Insurance Agency, we understand the importance of comprehensive coverage. Our experienced agents can help you review your policy or purchase additional coverage to ensure your business is well protected. Contact us today for more information. We proudly serve the Hershey, PA, area.

Fort Washington’s Outdoor Enthusiasts: How Umbrella Insurance Covers Recreational Liability

Posted on by admin

Fort Washington is a beautiful area filled with outdoor activities like biking, hiking, and hosting backyard gatherings. While these activities are enjoyable, they come with liability risks, such as accidents, injuries, or property damage. Umbrella insurance provides an extra layer of protection for Fort Washington residents, ensuring you’re covered when unexpected claims arise. Options Insurance Group, located in Fort Washington, PA, specializes in helping residents find the right umbrella insurance for their needs.

Common Liability Risks for Outdoor Activities

Outdoor enthusiasts face unique risks, including:

  • Biking Accidents: Colliding with pedestrians or damaging property.
  • Backyard Gatherings: Injuries or accidents during events like barbecues or pool parties.
  • Pet-Related Incidents: Liability for dog bites or property damage caused by pets.

While standard insurance policies may cover some liability, umbrella insurance provides additional coverage for high-cost claims.

Why Fort Washington Residents Need Umbrella Insurance

Umbrella insurance offers peace of mind by covering legal fees, medical expenses, and property damage that exceed the limits of your existing policies. Whether you’re hosting an event or enjoying recreational activities, umbrella insurance ensures you’re protected from financial fallout.

Protect Your Outdoor Adventures

Fort Washington’s outdoor lifestyle is meant to be enjoyed, not overshadowed by liability concerns. Umbrella insurance provides the coverage you need to focus on what matters most. Visit Options Insurance Group today to learn more about protecting your outdoor adventures.

Repairs and Home Insurance

Posted on by admin

Sometimes, the best you can do after a disaster is fix what’s been broken. Fortunately, that’s what homeowner’s insurance is for. If your home or belongings are damaged, such as by fire or theft, homeowners’ insurance will provide you with the coverage needed to pay for repairs or replacement. You still have to do a bit of maintenance to keep things in shape, but if the worst happens, despite your best efforts, homeowners’ insurance will take care of the bulk of the expenses. Filing a claim may seem daunting at first glance, but it can really be done in three easy steps.

Those Three Easy Steps

First, document everything thoroughly and immediately. That means clear photos or videos. Next, communicate clearly with your insurance company the date and time of the incident, along with all mitigating factors and any other relevant information. Keep in contact with your agent for optimum success. This will help you promptly address any discrepancies or issues.

The Value of Home Maintenance

One of the few things homeowners’ insurance does not cover is damage covered by pests. Pests result from poor maintenance, so keep up your house so that pests don’t enter in the first place. Your homeowners’ insurance may give you a discount on items that will help keep your home maintained, such as smoke alarms or home security systems. Do not ignore even minor leaks, as those can quickly become something disastrous that your insurance won’t cover because they are the result of negligence. A stitch in time does save nine.

Contact Options Insurance Agency in Hershey

If you need homeowners’ insurance and are in the Hershey, PA, area, please contact Options Insurance Agency. We’re ready to help.

The Aftermath: How Flood Insurance Helps Fort Washington Residents Recover

Posted on by admin

When the unthinkable happens and a flood hits your home in Fort Washington, PA, the aftermath can be overwhelming. The damage to your property, the loss of personal belongings, and the emotional toll can be devastating. But there’s one thing that can make the recovery process a little easier: flood insurance. At Options Insurance Group, we understand the importance of having the right coverage in place.

Understanding Flood Insurance

Flood insurance is a specific type of insurance coverage that protects your home and personal property from water damage caused by flooding. Unlike standard homeowners insurance, it covers losses directly caused by flooding. In Fort Washington, where flood risks can be high, having flood insurance can be a game-changer in the aftermath of a flood.

How Flood Insurance Aids Recovery

After a flood, you may face extensive repairs to your home and the need to replace damaged belongings. Flood insurance can help cover these costs. It can provide funds to repair your home’s structure, replace damaged appliances and furniture, and even cover temporary living expenses if your home is uninhabitable. With the financial support from your flood insurance policy, you can focus on getting your life back to normal.

Working with Options Insurance Group

At Options Insurance Group, we’re committed to helping our Fort Washington community recover from flood damage. We work closely with our clients to ensure they have the right flood insurance coverage to meet their needs. We understand the unique flood risks in Fort Washington and can guide you in making informed decisions about your coverage.

Navigating Recovery with Options Insurance Group

Experiencing a flood can be a traumatic event, but having the right insurance coverage can make the recovery process easier. Flood insurance provides the financial support you need to repair your home, replace lost belongings, and get back on your feet. At Options Insurance Group, we’re here to help our Fort Washington community navigate the aftermath of a flood and start the recovery process.

Uninsured Motorists in Fort Washington: How Your Auto Insurance Protects You

Posted on by admin

Driving in Fort Washington comes with its share of risks, one of which is encountering uninsured motorists on the road. An accident with an uninsured driver can lead to complicated and costly outcomes. But how does your auto insurance come into play in such situations? Let’s explore how your policy can protect you.

The Risk of Uninsured Motorists

At Options Insurance Group, we understand the unique challenges that Fort Washington drivers face. Despite laws requiring auto insurance, some drivers remain uninsured. If you’re involved in an accident with an uninsured driver, you could be left to cover the costs.

How Uninsured Motorist Coverage Protects You

Uninsured motorist coverage is a part of your auto insurance policy that protects you in these situations. It can help cover medical expenses and property damage if you’re hit by an uninsured driver. It can also provide coverage in a hit-and-run accident.

Reviewing Your Auto Insurance Coverage

Given the potential impact of an accident with an uninsured driver, it’s important to review your auto insurance coverage to ensure it includes uninsured motorist coverage. At Options Insurance Group, we can help you review your policy and make any necessary adjustments.

How Options Insurance Group Can Help

At Options Insurance Group, we’re committed to helping Fort Washington drivers navigate their auto insurance needs. We can guide you through the process of understanding and adjusting your coverage to ensure you’re protected from uninsured motorists.

Protecting Your Pennsylvania Craft Brewery with Commercial Insurance

Posted on by admin

The craft brewery scene in Pennsylvania is thriving, with new breweries popping up all the time. As a brewery owner in Fort Washington, PA, you know that while brewing is exciting, it also comes with its share of risks. This is where commercial insurance comes into play. Let’s explore this crucial coverage with Options Insurance Group.

Why Craft Breweries Need Commercial Insurance

From equipment breakdowns to liability claims, craft breweries face a variety of risks. Commercial insurance can provide coverage for these and other potential issues, helping to protect your investment and keep your brewery running smoothly.

Commercial Insurance: Covering the Unique Risks of Breweries

Commercial insurance for breweries can cover a wide range of risks, including property damage, equipment breakdown, product liability, and more. It can also cover loss of income if your brewery has to shut down due to a covered loss.

Secure Your Brewery with Options Insurance Group

At Options Insurance Group, we understand the unique risks that craft breweries face in Pennsylvania. We offer tailored commercial insurance solutions to provide the coverage you need to protect your brewery.

Don’t let unforeseen incidents put a damper on your brewing passion. Contact Options Insurance Group today to learn more about our commercial insurance options for craft breweries in Fort Washington, PA.

Understanding Home Insurance Coverage for Valuable Items in Fort Washington

Posted on by admin

Home insurance is a crucial safety net for homeowners in Fort Washington, PA. While it covers your home and personal belongings, it’s important to understand how it applies to valuable items. At Options Insurance Group, we’re here to guide you through this aspect of home insurance.

Understanding Coverage for Valuable Items

Most home insurance policies include personal property coverage, which covers the cost of replacing your belongings if they’re damaged or stolen. However, there may be limits on the coverage for valuable items like jewelry, art, or collectibles.

Why You Might Need Additional Coverage

If the value of your items exceeds the limit of your personal property coverage, you might not be fully reimbursed if these items are damaged or stolen. In this case, you may need additional coverage, such as a floater or endorsement, to fully protect these items.

How Options Insurance Group Can Help

At Options Insurance Group in Fort Washington, PA, we understand the value of your prized possessions. We can help you assess your coverage needs and ensure your valuable items are fully protected under your home insurance policy.

Secure Your Valuables Today

Don’t leave your valuable items underinsured. Contact Options Insurance Group today to ensure your home insurance provides the coverage you need in Fort Washington, PA.

From the Garage to the Spotlight: Navigating Car Show Insurance in Fort Washington

Posted on by admin

Classic car shows are a highlight for many car enthusiasts in Fort Washington, PA. But when you’re showcasing your prized possession, it’s crucial to ensure it’s adequately protected. At Options Insurance Group, we offer specialized car show insurance to give you peace of mind during these events.

Understanding the Risks at Car Shows

While car shows are generally safe environments, accidents can happen. From accidental damage by spectators to unforeseen weather events, these risks can lead to significant financial losses without the right insurance coverage.

How Car Show Insurance Can Help

Car show insurance provides coverage for your classic car while it’s on display at a show. This includes protection against damage, theft, and liability claims, ensuring your investment is protected.

Choosing the Right Car Show Insurance

When choosing car show insurance, it’s important to consider the value of your car, the nature of the event, and your risk exposure. At Options Insurance Group, we can help you assess these factors and choose a policy that fits your needs.

Secure Your Classic Car with Options Insurance Group

At Options Insurance Group, we’re committed to helping you protect your classic car. Our team in Fort Washington, PA is ready to help you navigate your car show insurance options and ensure you’re adequately covered. Contact us today to learn more.

Renters Insurance for First-Time Renters in Fort Washington, PA

Posted on by admin

Moving into your first rental property is an exciting milestone. But before you settle in, it’s important to consider renters insurance. Options Insurance Group in Fort Washington, PA, is here to guide first-time renters through this process.

Why First-Time Renters Need Insurance

Renters insurance provides coverage for your personal belongings in case of damage or theft. It also provides liability coverage in case someone is injured in your rental property, and additional living expenses coverage if your rental property becomes uninhabitable due to a covered loss.

Understanding Your Renters Insurance Coverage

A standard renters insurance policy typically includes personal property coverage, liability coverage, and additional living expenses coverage. Depending on your needs, you may also want to consider optional coverages like valuable items coverage for high-value items like jewelry or electronics.

Choosing the Right Renters Insurance Policy

Choosing the right renters insurance policy as a first-time renter can be overwhelming, but Options Insurance Group is here to help. We’re committed to helping renters in Fort Washington, PA, understand their insurance options and find a policy that fits their needs and budget.

Get Your Renters Insurance Today

Don’t leave your belongings unprotected. Protect yourself with a renters insurance policy from Options Insurance Group. Contact us today to learn more about our renters insurance options for first-time renters in Fort Washington, PA.

Understanding the Importance of Personal Injury Protection in Motorcycle Insurance in Fort Washington, PA

Posted on by admin

Motorcycle riding is a popular pastime in Fort Washington, PA, but it comes with its share of risks. At Options Insurance Group, we believe in the importance of being fully prepared and protected. One crucial aspect of motorcycle insurance that riders should consider is Personal Injury Protection (PIP).

What is Personal Injury Protection?

Personal Injury Protection, often referred to as PIP, is an extension of motorcycle insurance that covers medical expenses and, in many cases, lost wages. It is sometimes referred to as “no-fault” coverage because its benefits can be accessed regardless of who is at fault for the accident.

Why is PIP Important for Motorcyclists?

Motorcyclists are more exposed and therefore more likely to be injured in an accident than car drivers. PIP coverage can help cover the medical costs associated with these injuries. In Fort Washington, PA, where medical costs can be high, having PIP can provide significant financial relief.

PIP and Your Motorcycle Insurance Policy

At Options Insurance Group, we can help you understand how PIP fits into your overall motorcycle insurance policy. We can guide you through the process of determining the right amount of PIP coverage for your specific needs, ensuring that you’re not just legally compliant, but also adequately protected.

Final Thoughts

Motorcycle insurance is about more than just protecting your bike; it’s about protecting you. By understanding the role of Personal Injury Protection in your motorcycle insurance, you can ensure that you’re covered, no matter what the open road brings. Visit us at Options Insurance Group to learn more.

Partner Carriers

  • american-collectors
  • Bristol West
  • chubb
  • encompass
  • foremost
  • Foremost Star
  • grange
  • guard
  • hagerty
  • liberty-mutual
  • main-street-america
  • metlife
  • National General
  • nationwide
  • progressive
  • safeco
  • the-hartford
  • travelers