Click to Call
Northeast Insurance Advisors LLC

3601 Nazareth Rd
Easton, PA 98765

Get Directions
Northeast Insurance Advisors LLC Blog

Umbrella Insurance vs. Other Policies: How It Complements Your Existing Coverage

We all know the importance of having insurance coverage to protect ourselves and our valuables. But, with so many different types of insurance policies in Easton, PA, it can be challenging to know which one(s) to choose. Northeast Insurance Advisors LLC explains more about umbrella insurance.

Understanding Umbrella Insurance

First, let’s define what umbrella insurance is. Think of it as an extra layer of liability protection on top of your other insurance policies, like homeowners or auto insurance. If an accident or incident occurs and you are found liable for damages exceeding the limits of your other policies, umbrella insurance can help cover the additional costs up to the limit of your policy.

Compared to other policies, umbrella insurance has several unique features. Unlike most policies, it has no specific deductible, meaning you don’t have to pay out of pocket before your coverage kicks in. Additionally, umbrella insurance typically covers incidents your other policies may not, such as defamation or wrongful eviction claims.

It’s crucial to mention that umbrella insurance is not a substitute for other types of insurance, nor should it be seen as a stand-alone solution. Rather, it is meant to enhance your existing coverage and protect against unforeseen incidents where your primary coverage falls short. Thus, reviewing your current policies regularly and assessing whether umbrella insurance can provide additional peace of mind is essential.

We Are Here To Help

Making sense of the various types of insurance policies available in Easton, PA can be daunting. Umbrella insurance is one excellent option for those who already have homeowners, auto, or other policies. Remember, the key to maximizing your coverage is to contact Northeast Insurance Advisors LLC so we can tailor an insurance plan that best suits your needs.

Mistakes to Avoid When Shopping for Boat Insurance

For many people in the Easton, PA area, owning a boat can be a great idea. If you do own a boat when in this part of the state, it will provide you with the ability to enjoy all that the area has to offer, including local lakes and waterways. If you are going to purchase a boat here, picking the right insurance is important. As you are looking for coverage, there are mistakes that you should avoid when building a policy.  

Not Choosing the Right Deductible Level

One mistake to avoid when you are looking for boat insurance is not choosing the right deductible level. The deductible is the amount of money that you will need to spend out of pocket before the insurance company starts providing support. Generally, the higher your deductible is, the lower your premium will be. However, it does require you to spend more when you file a claim. Finding the right balance for the deductible level is important. 

Not Considering Requirements

It is important that you assess your personal insurance requirements when taking out a new boat policy. Depending on your situation, you could be required to carry a full comprehensive plan, which is a standard requirement of boat insurance providers. Depending on where you intend to use the boat, you may also need to have liability coverage. It is important that you have the coverage that you need. 

Northeast Insurance Advisors LLC Is Here To Help

If you are going to buy a boat in the Easton, PA area, you need to make sure that you are properly insured. Our professionals with Northeast Insurance Advisors LLC will help you select a plan that is right for your situation. When you do call us here, we can offer any guidance that you need to build a new plan. This can ensure you remain appropriately covered at all times. 

Top Misconceptions about home insurance

As a homeowner in the Easton, PA area, it is imperative to make sure you have adequate insurance coverage for your home. The experts at Northeast Insurance Advisors LLC have put together a list of the top misconceptions homeowners have about homeowners insurance. 

Home Insurance Myths

1) Home insurance covers normal wear and tear 

It is extremely important to maintain your home properly as homeowners insurance does not cover damage caused by normal wear and tear. Not only does homeowners insurance not cover wear and tear it might exclude coverage if it occurs as a result of the policyholder not properly maintaining the home. 

2) Homeowners insurance covers the cost of rebuilding your home 

The misconception that your policy will cover the cost of rebuilding your home is a costly one. Your policy will only cover the cost of rebuilding your home up to the insurance limit of the policy. It is critical to review your insurance limits and make sure they are high enough to cover the costs of rebuilding. 

3) Homeowners insurance will cover my home-based business 

If you are running a business from your home, it is critical to speak with your insurance agent and make sure you have appropriate coverage. For example, if you have a client at your home and they slip and fall you may not have coverage. 

4) Home insurance provides protection against floods.

Assuming you have coverage under your policy for flooding can be a costly mistake. Almost all homeowners’ policies exclude coverage for flooding so you need to purchase a separate policy if you would like coverage for floods. Homeowners insurance claims from water damage as a result of a burst pipe or leaking appliance. 

Reach Out To Us

If you would like to learn more about homeowners insurance, reach out to an expert at Northeast Insurance Advisors LLC today. We proudly serve the greater Easton, PA Area. 

Can the Government Change Whether My Home Is in a Flood Zone?

Yes, the government can and does regularly update the flood zone maps. The Federal Emergency Management Agency (FEMA) updates its flood maps regularly with the latest data from its catastrophe models using current precipitation data. That means a few years of heavy rains that brought either flash floods or rising water floods could change whether your home sits in a flood zone.

Recently, FEMA switched to a new risk rating methodology that increased the accuracy of its mapping. This change resulted in changes in flood risk for some homes and businesses. Northeast Insurance Advisors LLC wants you to understand how best to protect your Easton, PA home.

Risk Rating 2.0

FEMA updated its methodology in the 2020s and now uses the Risk Rating 2.0: Equity in Action model to provide an individualized risk assessment approach informed by existing flood hazard information. Its new methodology incorporates newly acquired data, updated flood models, and new technology. The new system recalculates flood risk based on flooding frequency and type of flooding, including:

  • Inland waterbody overflow (rivers, lakes, streams, etc.)
  • storm surge,
  • coastal erosion,
  • heavy rainfall.

It also considers the home’s proximity to flood sources and the home’s building characteristics.

Benefits of the New System

Some homes may appear in a flood zone that did not previously. The updated risk rating system addresses flood zone disparities that had increased premiums for some homeowners.

The new system helps FEMA more accurately map data, and the National Flood Insurance Program (NFIP) more accurately calculates equitable premium rates.

Contact Us Today

Let Northeast Insurance Advisors LLC help protect your Easton, PA home or business with flood insurance. Contact us to learn more about your policy options.

Tips to Choosing the Right Life Insurance Policy

Are you looking for the right life insurance policy in Easton, PA? With so many options available, it can be overwhelming to decide which policy will provide you with the coverage and peace of mind you need. Fortunately, we can help you navigate the process and find the policy that meets your unique needs.

Choosing the Right Life Insurance Policy 

First, consider your financial goals and objectives. Do you want to provide for your family’s long-term financial security, pay off debts, or cover end-of-life expenses? Your life insurance policy should align with your goals and provide the appropriate amount of coverage.

Next, determine which type of life insurance policy is right for you. Term life insurance provides coverage for a specific period, such as 10 or 20 years, and is typically the most affordable option. Permanent life insurance, such as whole life or universal life insurance, offers coverage for life and often includes a savings component that can grow over time.

When choosing a life insurance policy, it’s also important to consider the reputation and financial stability of the insurance company. Northeast Insurance Advisors LLC works with top-rated insurance carriers to ensure that you receive coverage from a reputable company that can meet its financial obligations.

Another factor to consider is the cost of the policy. While you want to ensure that you have enough coverage, you also don’t want to overspend on insurance premiums. we can help you find a policy that provides the right balance of coverage and affordability.

Finally, make sure you understand the terms and conditions of your life insurance policy. For example, some policies may require medical exams or have exclusions for certain types of deaths, such as suicides. Northeast Insurance Advisors LLC can explain the terms of your policy and answer any questions you may have.

Give Us A Call

Choosing the right life insurance policy in Easton, PA requires careful consideration of your financial goals, the type of policy, the reputation of the insurance company, the cost of the policy, and the terms and conditions of the policy. Northeast Insurance Advisors LLC can help you navigate this process and find the policy that meets your unique needs.

How can a motorcycle owner benefit from motorcycle insurance?

When you are in the Easton, PA area, having a reliable mode of transportation is important. When the weather is nice, one of the best ways to get around the town is by touring the area on your very own motorcycle. If you are in the market for a new motorcycle, it would be a good idea to have insurance for it.

You can benefit in various ways when you do receive a proper motorcycle plan:

Cover Your Motorcycle

An important reason for anyone to get this type of coverage for their motorcycle is that they can cover their asset. When you purchase a motorcycle, you will want to know that you can enjoy it for a long time. If you choose to invest in a motorcycle plan, it will give the coverage you need to offset the risks of theft, vandalism, or accident damage as you will have financial support if you need to do a repair or replacement.

Liability Risk Mitigation

It can also be a good idea to get a motorcycle plan to reduce your liability risks. When you operate any type of vehicle, there is a chance you could cause a collision that results in damage. If this happens, you will need to pay restitution. When you get motorcycle coverage, you will have the support you need to mitigate this risk. 

Northeast Insurance Advisors LLC is here to help!

It is very important for anyone in the Easton, PA area to get a proper motorcycle plan. When you are looking for this type of insurance here, it can be helpful to call our team with Northeast Insurance Advisors LLC. There are a lot of important choices to make when looking for coverage and we can offer the guidance you need to build your next policy. 

Is There a Mileage Limit on Classic Car Insurance?

If you own a classic car, it’s essential to have classic car insurance. However, classic car insurance works differently than a standard Auto Insurance policy. The insurer privately assesses the vehicle to determine its value, and there are certain rules that the policyholder must follow to keep their insurance coverage. If you’re looking for auto insurance coverage, you can trust us at Northeast Insurance Advisors LLC, serving the greater Easton, PA community.

Classic Car Coverage

If you get a classic car insurance policy, you’ll need to have your car assessed by the insurance company. They set a value for the vehicle and insure it for the appraisal value. They also have some terms and conditions required to keep coverage on the vehicle. Many classic car insurance providers require individuals to keep their annual mileage below 5,000 miles. 

Our agents can assist you if you have questions about classic car insurance and how it works. We are highly trained and have the insight and support necessary to assist customers with selecting a classic car insurance policy. We sit down one-on-one with each individual to assess their current situation and future needs. We can then recommend policies that match those needs and provide assistance with submitting documentation for insurance coverage, changes to the policy, or submission of claims for covered events.

Reach Out To Us Today 

Northeast Insurance Advisors LLC is proud to offer top-quality insurance products for the residents in and around the Easton, PA, area. Anyone interested in obtaining classic car insurance can call or stop by the office to speak to one of our helpful representatives. Don’t wait to get insurance coverage that protects the things you value.

Some of the Lesser Known Ways Renters Insurance Protects Renters

Most people know that renters insurance can protect their belongings in case their rental home catches on fire or pipe bursts in the home. Renters insurance can also protect your belongings in case your rental home is burglarized. However, here at Northeast Insurance Advisors LLC, serving the greater Easton, PA area, we have seen many renters who have not realized all of the benefits associated with renters insurance.

Here are two additional ways renters insurance can protect you as a renter.:

Can Protect You If You Are Sued By the Homeowner

If you are renting a home, the homeowner can sue you for damage that is unintentionally done to their home. For example, if you leave a candle on and the home catches fire, the owner can sue you for the damage done. Most renters do not have the money to pay for this damage, so this is where renters insurance comes into play. Renters insurance covers you in these situations, protecting you from lawsuits such as these. 

Can Help You Keep a Roof Over Your Head if the Rental is Inhabitable

The other major benefit associated with renters insurance is that the policy will pay for a hotel or a temporary rental if your rental home becomes uninhabitable. If a fire, flood, or other event happens and you cannot live in your home, renters insurance helps to pay for your new place to stay. 

Contact Us Today

If you are a renter, having renters’ insurance is extremely important. If you do not already have a policy, now is a great time to purchase one. At Northeast Insurance Advisors LLC, serving the greater Easton, PA area, we would love to help you get a renters’ insurance policy. Call us now to obtain a quote. 

How Does RV Insurance Work?

RVs in Pennsylvania are required by law to have liability coverage in the amount of $15,000 per person for bodily injury, $30,000 per wreck, and $5,000 to cover property damage. Typically, a lender will hold you responsible for purchasing full coverage indemnification while there is a balance on your vehicle. 

How Does RV Insurance Work?

Pennsylvania is a no-fault state, meaning each person buys insurance to pay for their own medical expenses, lost wages, disabilities, or car repairs.  This means you are not automatically responsible for another party’s property damage or medical expenses, and a Northeast Insurance Advisors LLC representative can give more specific information as pertains to your situation.

Comprehensive coverage is available to help protect against other situations, such as fire, as RVs can often be very expensive to fix or replace. In addition, RVs are sometimes subject to perils that more closely resemble that of a homeowner than a motorist. Vandalism, theft, or hail storms can also fall under this provision. 

You can obtain insurance to cover your personal property, as you may opt to live in your RV for part of the year while traveling away from Easton, PA. In addition, you can opt to specifically include permanent upgrades you have made to your vehicle in your coverage. 

Just like with an automobile, you can purchase collision coverage, and this will pay for costs incurred when you come into contact with an object, such as a car, light post, or guardrail. Additionally, you can even safeguard your pet’s expenses in the event they are present and injured during an accident. 

We Can Meet Your Needs

Your RV insurance requirements will depend on a variety of facts, and Northeast Insurance Advisors LLC can tailor an insurance package to meet those parameters. Speak to us on the phone, by visiting our office in Easton, PA, or by reaching out online, and let us work for you. 

What types of things are not covered by umbrella insurance?

Many people in Easton, PA purchase umbrella insurance to supplement their auto or homeowners insurance. Umbrella insurance provides an extra layer of protection by covering things that your auto or homeowners insurance doesn’t. However, it’s important to know that umbrella insurance has its limits. Northeast Insurance Advisors LLC is here to assist with all your insurance needs, including getting you the right umbrella policy. 

Here we take a look at some of the things that are not covered by umbrella insurance.

Things Not Covered By Umbrella Insurance

  • Flood Damage
  • Sewage Backups
  • Mold Or Mildew Damage
  • Termite Damage
  • Deliberately Caused Damage
  • Nuclear Accidents

What Does Umbrella Insurance Cover?

Umbrella insurance does cover some things that your auto or homeowners insurance doesn’t. For example, umbrella insurance will cover you if you are sued for libel or slander. It will also cover you if you are sued for damage that you caused with your car, even if it was an accident.

So, while there are some things that umbrella insurance doesn’t cover, there are also some things that it does cover. If you’re looking for extra protection, umbrella insurance may be a good option for you.

Contact Us Today

While umbrella insurance can provide valuable protection, it’s important to know what it does and does not cover. In the greater Easton, PA area, umbrella insurance does not cover flood damage, sewage backups, mold or mildew damage, termite damage, deliberately caused damage, nuclear accidents, war, or acts of terrorism. If you have any questions about what is and is not covered by your umbrella policy, be sure to contact Northeast Insurance Advisors LLC. Our agents will answer any questions you have about umbrella insurance – or any type of insurance. 

Our Partners

  • American Modern
  • berkshire hathaway guard
  • chubb
  • crc
  • Donegal
  • encompass
  • foremost
  • grange
  • hagerty
  • Kemper Insurance
  • msa
  • Metlife
  • millers mutual
  • national general
  • nationwide
  • philadelphia
  • progressive
  • rps
  • safeco
  • safeco
  • travelers insurance
  • Westfield