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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. 

How To Get Boat Insurance: The Ultimate Guide

Boating can be a fun and relaxing way to spend your time, but it’s important to be aware of the dangers that come with it. One of those dangers is the potential for damage to your boat, which is why you need to have boat insurance. Consult with Northeast Insurance Advisors LLC in Easton, PA for vital insurance coverage. We recommend you get boat insurance so that you can protect your investment and enjoy your time on the water. 

Why Do You Need Boat Insurance?

Boat insurance reimburses you monetarily if your boat is lost or damaged. In addition, it can also safeguard you if somebody gets hurt while aboard your vessel. Although boat insurance isn’t legally required, it’s still a prudent idea to have in case of an unforeseen accident.

What to Consider When Choosing Boat Insurance

There are a few things to consider when deciding how much coverage you need, such as the value of your boat and the types of activities you’ll be using it for. You should also consider whether or not you want comprehensive or collision coverage, which will help pay for repairs if your boat is damaged in an accident. 

Once you’ve decided how much coverage you need, it’s time to start shopping around for policies. There are a few things to keep in mind when comparing policies, such as deductibles, limits, and exclusions. You should also make sure that the policy covers any special equipment that you have on your boat, like fishing gear or a pontoon hard top. 

Why Choose Us

Northeast Insurance Advisors LLC in Easton, PA is a great place to start when shopping for boat insurance. They offer a variety of coverage options so that you can find the perfect policy for your needs. They also have a team of experts who can help you understand the ins and outs of boat insurance so that you can make the best decision for your situation. 

Contact Us Today

Getting boat insurance doesn’t have to be difficult—just start with Northeast Insurance Advisors LLC. We offer a variety of coverage options so that you can find the perfect policy for your needs. We also have a team of experts who can help you understand the ins and outs of boat insurance so that you can make the best decision for your situation.

What You Need To Know About Exhausting Your Home Insurance Policy

Reaching the limit on a home insurance policy means that the policyholder has reached the maximum amount of coverage that the policy will pay out. Once the limit is reached, the policyholder is no longer allowed to file additional claims on that policy in Easton, PA. Continue reading to learn more from Northeast Insurance Advisors LLC about what happens when you reach the limit on your insurance policy and how umbrella coverage can help.

How can a home insurance policy be exhausted?

Home insurance coverage limits are the maximum amount an insurance company will pay for damages to your home or possessions. Your policy limit is determined by the amount of coverage you purchase. For example, if you have a 50% coverage policy with a $100,000 policy limit and your home is damaged by a fire that costs $50,000 to repair, the insurance company will pay $50,000. You will be responsible for the remaining $50,000. In some cases, you may be able to purchase additional coverage to protect yourself from situations in which you could reach your policy limit.

What happens if I still have outstanding expenses when my insurance is exhausted?

After the max amount is exhausted on your policy, you will be responsible for paying the outstanding expenses by yourself. Extra coverage, such as an umbrella policy, can help cover what your central policy does not.

How does umbrella insurance help?

An umbrella insurance policy is an insurance policy that provides additional coverage beyond the limits of the main home insurance policy. This additional coverage can help when the primary policy reaches its limit, and the homeowner is still responsible for damages.

Northeast Insurance Advisors LLC in Easton, PA offers umbrella insurance to protect you from unexpected costs. Reach out to us today to learn more!

I Live In A Low-risk Area. Do I Still Need Flood Insurance?

Living in a low-risk area definitely has its perks. You likely don’t have to worry about as many natural disasters striking your home, and you probably pay lower rates for homeowner’s insurance.

However, just because you live in a low-risk area doesn’t mean you’re immune to flooding. In fact, nearly 25% of all flood claims come from low- to moderate-risk areas! If you want to ensure that your family is protected in the event of a flood, it’s important to have flood insurance.

Why You Need Flood Insurance in a Low-Risk Area

There are a few reasons you should get flood insurance, even if you live in a low-risk area.

For one, floods can happen anywhere and often strike when you least expect them. A severe storm could cause flash flooding in your neighborhood. A broken pipe could cause water to flood your basement. And even just a heavy rainfall can lead to flooding in low-lying areas.

Plus, the cost of repairing flood damage is often much higher than most people expect. Even the smallest amount of water in your home can cause massive damage. However, with insurance from a professional company such as Northeast Insurance Advisors LLC in Easton, PA, you can rest assured knowing that you and your home are protected.

What Does Flood Insurance Cover?

When you purchase flood insurance, you’ll be protected against damage caused by rising waters. This includes damage to your home, personal belongings, and even the cost of temporary housing if your home is uninhabitable.

Flood insurance also covers the cost of repairing or rebuilding damaged structures on your property, such as a garage or shed. Plus, it can help cover the cost of cleanup and repairs to your home’s electrical, plumbing, and heating systems.

Keep in mind that flood insurance does not cover damage caused by storms, such as high winds or hail. You’ll need to purchase a separate policy for this type of coverage.

Give Us A Call

If you’re interested in purchasing flood insurance, Northeast Insurance Advisors LLC in Easton, PA can help. We’ll work with you to find a policy that meets your needs and budget. Contact us today to get started.

The Dos and Don’ts of Buying Life Insurance

Buying life insurance is an incredibly important decision and one that should never be taken lightly. Unfortunately, many people overlook the importance of life insurance and prioritize things like buying a new car over providing their loved ones with protection from financial loss. 

But what makes life insurance so important? When someone passes away, the last thing their loved ones will need is financial strain while grieving over their loss. With life insurance, these loved ones will have a financial cushion and be protected from financial loss. 

Northeast Insurance Advisors LLC in Easton, PA provides this guide on some of the dos and don’ts of buying life insurance. These tips will help you purchase the best-value life insurance product for you and your loved ones and help you avoid some common pitfalls. 

Life Insurance: What You Need To Know


  • Calculate the amount of coverage you need. Many clients just throw out arbitrary numbers like $100,000 or $500,000 when figuring out their coverage amount. Although these numbers may sound “reasonable,” you should take advantage of need assessment calculators and the expertise of experienced insurance agents. Northeast Insurance Advisors LLC has agents that can ensure your coverage is adequate. 
  • Review the life insurance company in depth. After all, you’re making the decision of a lifetime. Research as much as you can about the carrier, and make sure the company has been in business for a long time and will be in business for many decades to come. Qualities to look out for include whether the company is A or B-rated and whether it has a strong financial history.


  • Just sign away. No matter how reputable your insurance company or agent is, don’t shy away from asking questions. Will my premiums increase or change over time? How will the death benefits be paid? What can I do to save money and still get the coverage I’m looking for? These are just a few of the questions you should ask your agent. Also, make sure all the information, such as your personal and the policy details, is correct. 
  • Delay buying life insurance. Even though you don’t want to rush through the process and just get it done and over with, you also don’t want to delay getting life insurance. By putting it off, you risk putting your loved ones in financial jeopardy while they’re grieving over your loss.

Contact Us Today

Get in touch with one of our agents at Northeast Insurance Advisors LLC, which serves Easton, PA and other parts of Pennsylvania, by calling 484-892-6363 or texting 855-405-8004 and we’ll help you find the best life insurance product for you.

Reasons Why You Need Auto Insurance

When buying a new car or truck, you are going to have to think about auto insurance. Though you may want to save your money and skip it, the truth is that you need to have insurance before you drive your new vehicle! Northeast Insurance Advisors LLC in Easton, PA provides this guide on how to navigate insurance for your vehicle. 

Here are some reasons why you need automobile insurance:

It is law

Most states require automobile insurance if you get behind the wheel. 

Your loan may require it

If you take a loan out in order to buy your vehicle, they are going to want to make sure that their investment is protected by making sure that it will get fixed if something happens to it. 

It will help you fix or replace your car if you are in an accident

Since most people take out a loan to get a new vehicle, they aren’t going to be able to fix or replace it if it gets damaged in an accident. Insurance allows you to pay monthly, to help you with expenses that may occur later. 

If you injure someone, your auto insurance will help cover medical expenses

These expenses can really add up, so it is important to have liability insurance to help you pay for them! 

Legally, you need to have insurance before you drive a new car. That being said, your loan may also require it. They want to protect their investment, so you may need more insurance to make sure that your vehicle gets fixed in an accident. 

If you want to make sure that you are fully protected, don’t hesitate to contact us today at Northeast Insurance Advisors LLC in Easton, PA. 

Protect Your Business in Easton, PA

As a business owner in Easton, PA, it’s vital to protect your company with commercial insurance. There are a variety of coverage options available, and a Northeast Insurance Advisors LLC experienced agent can help you select the policy that best meets the needs of your business.

Commercial Insurance Types

Some common types of commercial insurance policies include:

Property Insurance

Commercial property insurance covers the physical structure of your business, as well as any contents or inventory that are stored on the premises. If a covered event damages your property, such as a fire or severe weather, property insurance can help you cover the cost of repairs or replacement. Your representative at Northeast Insurance Advisors LLC will help you determine the amount of coverage you need to protect your business.

Liability Insurance

Liability insurance protects your business from financial damages if someone sues you for negligence or wrongful actions. For example, if a customer is injured on your property, liability insurance can help cover the cost of any medical expenses that are incurred.

Business Interruption Insurance

If a covered event forces you to close your store or service temporarily, business interruption insurance can help you cover lost income and other associated costs. This type of policy can also help you pay for temporary relocation expenses if your business can’t operate from its usual location.

When choosing a commercial insurance policy, it’s essential to consider the specific risks that your business faces. An experienced agent can help you find the coverage that’s right for you. For more information, contact an agent at Northeast Insurance Advisors LLC. We’ll help you protect your Easton, PA business and keep it running smoothly.

Home Insurance Guide To Assist Homeowners

Northeast Insurance Advisors LLC provides coverage to the Easton, PA community. We work with several carriers in the region. This allows us to consult with our clients and help them obtain the right policy for their situation. We enjoy educating our clients and helping them assess their options. We look forward to helping you obtain coverage.

Home Insurance Guide To Assist Homeowners

Home insurance helps you protect your Easton, PA residence. The policy provides multiple benefits. Liability coverage is important, especially if you have a lot of guests over to your home. Liability coverage protects you if you cause property damage or if someone is injured while visiting your home. Liability coverage also protects you if your pet causes damage. Home insurance covers any damage to the structure of your home. This includes your roof, ceilings, floors, and walls. The policy may also cover any damage to your garage. This gives you peace of mind if an accidental fire starts and causes damage, or if severe weather moves into the area. If your home is destroyed by a natural disaster, you will be protected if you add alternative living coverage. Dealing with the aftermath of your home suffering severe damage may be tough. However, temporary living coverage assists you by your covering your temporary stay somewhere else until your home is repaired.

Home insurance also covers all of your possessions inside the home. If you are traveling, the policy covers your personal items away from home as well. If you plan to renovate your home in the future, it’s recommended that you add extra coverage. This will allow your policy to reflect the new value of your home.

Northeast Insurance Advisors LLC Will Help You Protect Your Assets

Contact us today to learn more information about home insurance.  

What auto insurance is required in Easton, PA?

Auto insurance is always a good idea. But it’s also the law.

Just like most other states, Pennsylvania has specific auto insurance requirements. While most of these are common, there are a few mandates that make the state different than others. Fortunately, Northeast Insurance Advisors LLC are experts at interpreting these ever-evolving regulations. Located in Easton, PA, their agents stay current so you can stay protected.

With this in mind, Northeast Insurance Advisors LLC shares three mandatory items that every auto insurance policy must include.

Bodily injury liability

In Pennsylvania, liability coverage is required for all drivers. Protection against bodily injury is the first component. If a serious collision injures another motorist, this plan will reimburse those expenses. By law, drivers must carry at least $15,000 for any single person. A total of $30,000 is mandated per accident for all people. 

Property damage liability

This is another form of liability. However, this applies to someone’s property instead. Although this includes mostly vehicular damage, it can also cover damage to buildings, mailboxes, and other structures. Pennsylvania motorists are required to have $5,000 per accident for property damage. Taken together, liability coverage is often referred to as "15/30/5."

Personal injury protection

Because of its distinction as a no-fault state, Pennsylvania makes all drivers carry first-party medical benefits of at least $5,000. Known as Personal Injury Protection (PIP), this could re-pay lost wages, medical bills, and other accrued expenses that resulted from an accident. But, unlike liability, this protects you personally, not another driver. 

Contact an agent serving Easton, PA

Northeast Insurance Advisors LLC keeps you legal. But their agents also keep you safe. Auto insurance protects you and your family. It also protects other drivers on the roadway too. To get proper coverage, schedule an appointment right away.

Benefits Of Adding Trailer Coverage To RV Insurance Policies

Northeast Insurance Advisors LLC covers the Easton, PA community and the surrounding areas. We offer our clients flexible policies so that they can navigate the unpredictable nature of life. We assess each of our client’s unique situations so that we can help them find a solution. We look forward to helping you protect your assets.

Benefits Of Adding Trailer Coverage To RV Insurance Policies

RV insurance covers you as you travel around Easton, PA and beyond. Operating an RV comes with multiple risks. The policy covers you if you plan to go on vacation or camping. The policy also covers you if your RV collides with an object and damages arise. You are also covered if one of your passengers is injured while you are traveling around. All of your personal items are covered if someone breaks into your RV and steals things. You are also covered if your RV is vandalized or suffers fire damage.

If you are pulling a trailer on your RV, you can amend your policy to add trailer coverage. You can adjust the coverage based on the type of trailer that you have: a fifth-wheel trailer, expandable end, or folding camper. If your trailer suffers damage, you will be covered while you search for a replacement. If your RV suffers extensive damage, you can add emergency assistance as a safety net. This ensures that you will receive urgent roadside assistance if your vehicle breaks down. You can add storage coverage if you plan to go camping for a few days. This protects your vehicle against possible damage while it’s parked.

Northeast Insurance Advisors LLC Will Help You Protect Your Assets.  

Our Partners

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