Send us a Text Click to Call
Options Insurance Group

305 Camp Hill Rd
Fort Washington, PA 19034

Get Directions

Flood Damage and Its Long-Term Financial Impacts: Can You Afford to Ignore It?

In the flood-prone area of Fort Washington, PA, homeowners are often faced with numerous uncertainties. At Options Insurance Group, we want to help you understand how the aftermath of flood damage can have enduring financial consequences.

The Immediate Toll of Flooding

Experiencing a flood is almost always traumatic, not just the emotional impact, but the immediate financial toll it takes as well. Costs can range from repairing property damage to replacing personal belongings and potential relocation if necessary. Unfortunately, standard homeowners insurance may not cover these expenses related to floods.

The Hidden Costs of Flood Damage

Apart from immediate costs, flooding often brings about hidden financial burdens. These can include increased insurance premiums and decreased property values. For homeowners in Fort Washington, PA, who decide to sell their homes in the future, these hidden costs can significantly effect the sale.

How Pennsylvania Flood Insurance Can Help

To safeguard against such financial perils, a robust flood insurance policy from Options Insurance Group is vital. It can provide plenty of benefits like covering home repairs, compensation for damaged items, and funds for temporary living arrangements.

Protecting Your Financial Future

No one can predict when disasters will strike. However, taking proactive steps to mitigate their impact is essential. Securing a comprehensive flood insurance policy from Options Insurance Group in Fort Washington, PA, can significantly lessen long-term financial impacts, giving you peace of mind knowing you are prepared for the unexpected.

Understanding Deductibles in Your Auto Insurance Policy

Auto insurance can seem complex, especially when you start delving into the specifics of policies, such as deductibles. Here at Options Insurance Group in Fort Washington, PA, we want to shed some light on the role of deductibles within your auto insurance policy.

What Exactly is a Deductible?

In simple terms, a deductible is the amount of money that you, the policyholder, agree to pay out-of-pocket towards a loss before your insurance company steps in to cover the remainder. This is a crucial element of your auto insurance policy that directly impacts how much you pay for coverage.

How Do Deductibles Work?

Let’s say you have a $500 deductible on your auto insurance policy, and you get involved in an accident that results in $2,000 in damages. You will need to pay $500, and your insurance company, such as the Options Insurance Group, will cover the remaining $1,500. It’s important to remember that the deductible applies each time a claim is filed.

Choosing Your Deductible

Choosing the right deductible can be crucial, yet challenging. A high deductible can lower your premium, but you’ll have to pay more if an accident happens. On the other hand, a lower deductible means a higher premium, but less out-of-pocket costs after a claim. Therefore, you must find a balance that matches your financial comfort.

The Impact of Your Deductible on Your Premium

The relation between the deductible and your premium is inversely proportional. As your deductible increases, your premium decreases and vice versa.

In conclusion, understanding your auto insurance deductible is critical in making informed decisions about your policy. Aim for a deductible that offers an optimum balance between your premium and your out-of-pocket risk. The team at Options Insurance Group in Fort Washington, Pennslyvania, is always ready to assist you in understanding and choosing the best possible auto insurance policy.

Commercial Insurance: The Best Investment for your Business in Fort Washington, PA

Every wise business owner in Fort Washington, PA understands that investments are the backbone of their business. Investments in quality personnel, technology, and marketing all play a significant role in business success. But one investment that tops the list is commercial insurance. Here at the Options Insurance Group, we believe that having commercial insurance is one of the best investments your business can make. Let’s explore why.

Legal Compliance and Protection Against Penalties

In the state of Pennsylvania, certain types of insurance are mandatory for businesses. For instance, if you have employees, you are required to have workers’ compensation insurance. Business owners without the required insurance policy can face legal penalties, cease and desist orders, and hefty fines. Commercial insurance helps to keep your business up to date with the necessary regulatory requirements, saving you from unnecessary legal troubles.

Financial Security

Running a business in Fort Washington, PA involves taking risks. Fires, thefts, or damages caused by extreme weather conditions can have catastrophic effects on your company’s finances. Commercial insurance provides financial compensation in these circumstances, protecting your business assets and ensuring the continuity of your operations.

Safeguarding Productivity and Keeping Business Operations Smooth

  • Disruptions due to unexpected legal issues or property damage can lead to decreased productivity. Commercial insurance, however, provides you the peace of mind to focus on your core business operations, knowing that you are covered against unforeseen circumstances.
  • Commercial insurance also covers potential revenue loss during repair or restoration periods, thereby ensuring that cash flow issues do not disrupt business activities.

Building Trust and Enhancing Business Reputation

Having a comprehensive coverage plan in place sends out a strong positive message to your customers, employees, and investors. It assures them that you are a risk-conscious and responsible entity. This brings added trust, build a good reputation, and promotes smoother business relationships.

In conclusion, commercial insurance is indeed an excellent investment for any business in Fort Washington, PA. It offers comprehensive solutions against potential business disruptions and fosters growth and stability. At Options Insurance Group, we are committed to offering a range of commercial insurance policies that fits your business needs. Feel free to get in touch with us for personalized guidance and solutions today.

Guide to Documenting Belongings for Homeowners Insurance

Creating a thorough home inventory is something all homeowners should do. It helps in purchasing the correct amount of insurance and helps the claims process in the event of loss. Without proper documentation, proving the value of your contents during a claim can be challenging.

Detailing Your Valuables

Start by listing all valuable items in your home. This includes electronics, kitchen appliances, musical instruments, and even designer clothing and accessories. Remember, the cost to replace everyday items can quickly add up, making them just as important to document as high-ticket items.

Visual Documentation

A detailed video walkthrough of your home describing each item or photographs showing each item’s condition can be very helpful. Include images of brand labels, serial numbers, and receipts to prove value and ownership.

Receipts and Appraisals

Keep digital copies of receipts and professional appraisals for expensive items. This step is important for establishing purchase dates, ownership, and current value. Update any appraisals every few years to reflect accurate values.

Safekeeping Your Inventory

Store your home inventory in a secure location away from your home, like a bank safe deposit box or in the cloud. 

You might alternatively use a family member’s house, so long as it’s not in the immediate area. For example, you don’t want to use a family member’s house if they also live in Fort Washington, PA. A major disaster that affects the whole area could destroy both homes.

Insurance Coverage Review

With your inventory complete, consult with your insurance agent to confirm that your policy coverage matches the value of your documented belongings.

Expert Insurance Assistance

If you’re in Fort Washington, PA, and need help with a home inventory or any other aspect of homeowners insurance, contact us at Options Insurance Group.

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