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Bloomsburg, PA 17815

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How does condo insurance differ from home insurance?

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A condo, instead of a detached home, is the right choice for many home buyers. It lets you enjoy the benefits of homeownership without a lot of the work involved. While both are homes, there are some significant differences in the insurance between a house and a condo. Our team at The Good Insurance Group LLC in Bloomsburg, PA will be happy to highlight all the differences to customers. 

What’s the same?

Condo and home insurance provide content overage and loss of use coverage. These are virtually identical no matter what type of home you have. You can choose between current value and replacement cost regarding personal property. With loss of use, help will be provided for accommodation if your home or condo is deemed uninhabitable. It may also provide some meals if you are unable to cook. 

What is different?

When it comes to property coverage, there are some major differences between a condo and a house. With a condo, the condo association has a master policy covering the condo unit’s exterior and common spaces. This means you will not replace the roof or deal with the siding. How deeply the coverage goes into your unit depends on the master policy, and you should make yourself aware of how much coverage for property you actually need. 

Liability coverage is also similar to property coverage. The master policy covers the parking lot and a pool if there is one. The master policy covers any common areas that anyone can use. You are responsible inside your unit and for your family members. 

We are an independent insurance agency at The Good Insurance Group LLC in Bloomsburg, PA. We offer more choices, and we will provide personalized service. Call us today. 

Beyond the Basics: How Umbrella Insurance Adds an Extra Layer of Protection

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Umbrella insurance, often underestimated, is a crucial addition to safeguard what matters most to you, extending beyond standard coverage limits and acting as a safety net when primary policies reach their liability thresholds. From personal injury liabilities to property damage and defamation lawsuits, umbrella insurance offers an additional financial buffer against unforeseen events. The Good Insurance Group LLC, serving Bloomsburg, PA, and surrounding areas, can guide you through the nuances of umbrella insurance and how it can reinforce your financial security as an insurance partner.

One of the primary advantages of umbrella insurance lies in its ability to provide broader coverage, supplementing existing policies to bridge the gaps in liability protection. Understanding the intricacies of umbrella insurance involves recognizing its role in protecting personal and financial well-being. This policy can provide an added sense of security in today’s world by offering an extended safety net that covers various liability scenarios. Recognizing the importance of this supplemental coverage and its potential to safeguard against unforeseen events underscores the significance of considering umbrella insurance as an essential component of a comprehensive insurance portfolio.

Ready to improve your protection and secure your financial future? Contact us at The Good Insurance Group LLC, serving the Bloomsburg, PA, and surrounding areas today to explore how umbrella insurance can add an extra layer of security to your existing policies. Our team is dedicated to providing personalized guidance tailored to your unique needs. Don’t leave your financial well-being to chance – let us help you fortify your defenses against unexpected liabilities. Reach out now and discover how umbrella insurance can offer you the peace of mind you deserve.

What Is a Loss Assessment Rider and Do I Need It As a Condo Owner?

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At The Good Insurance Group LLC, we offer loss assessment riders to people who own condos. But even if you own a condo, you may not be sure you need this kind of insurance. After all, your HOA has a master insurance policy, and you might also have insurance on your individual unit.

Common Areas

Our insurance agency, which serves Bloomsburg, PA, wants you to know that such coverage may not be enough. If a significant incident or a natural disaster strikes one of the common areas of your condo building, fixing or restoring the area could be expensive. And out-of-pocket expenses could fall on you as an owner.

Common areas may include the lobby, pool, fitness center, parking area, elevators, and landscaped areas. Add roofs, windows, tennis courts, sidewalks, hiking trails, HVAC systems, and more.

Who Pays to Fix Damages?

A loss assessment rider or policy could save money if your condo building sustains significant damage. That’s because, without a loss assessment rider, your HOA may ask you and the other owners to pay expenses if repairing or restoring is less than your condo association’s deductible.

Likewise, if costs exceed the limit of the HOA’s insurance policy, then all owners may be assessed a fee to make up for the deficit. Living in a condo where there are a lot of owners rather than just a tiny number could mean that you will have to pay less.

So, we at The Good Insurance Group LLC suggest that you consider the size of your HOA when assessing whether you need a loss assessment rider. We have the experience of addressing the insurance needs of residents in and around Bloomsburg, PA. Contact us today.

Let’s Get Settlements for Vets

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You did your time in the military. Thank you for your service. Now, it’s time to enjoy the peaceful life you’ve earned. When you were on active duty, your family was protected by Servicemembers Group Life Insurance. (SGLI) You are, of course, no longer eligible for that. However, you are eligible for VALife and Veteran’s Group Life Insurance (VGLI). However, those are not your only choices. 

Shop Around for Proper Insurance

Depending on your circumstances, you may be able to get a better deal elsewhere. Military Benefit Association may provide you with a more lucrative deal. You may find a civilian policy works best for you. They will all have their own restrictions and different options. You may prefer a policy that doesn’t increase every five years. Do your research and find out what’s the best fit for you. 

How Much Insurance Do You Need?

Life insurance covers funeral costs, but if you’re a vet, Uncle Sam may cover the expenses, including a free flag for your next of kin. However, you’ll still have to cover your mortgage balance and all other debts. If you want to send the kids to college, you need something to cover that. All in all, your life insurance should pay out seven to ten times your annual salary. If you have dependents, you’ll need coverage for them as well. 

The Good Insurance Group LLC Serving Bloomsburg, PA

If you are a veteran living in the Bloomsburg, PA area and are looking to invest in some life insurance, we hope you will consider The Good Insurance Group LLC. Good is our name, and excellent is our service. Our courteous and knowledgeable agents will help you with all your insurance needs. 

What Should I Do If I’m In A Car Accident

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Accidents happen when you least expect it. They are stressful and scary, even if they are minor fender benders. The key is being proactive and knowing everything you should do if something happens to you. Your friends at The Good Insurance Group LLL in Bloomsburg, PA have compiled this guide to help you prepare.

Collect Important Documents

In addition to your valid driver’s license, it is important to have the following handy in your vehicle, ideally the glove compartment. 

  • Insurance card or proof of insurance
  • Vehicle Registration
  • A first-aid kit
  • A list of emergency contact information
  • Note paper and pen

Think Safety First

Stop your vehicle and evaluate whether you and your passengers are hurt. If there are medical injuries, do not move if you are injured, and do not move others who are hurt. 

Call 911 and Report The Accident

Whether the accident is a minor fender bender or more major, always call 911 and report the incident to the police. 

Exchange Information

Exchange information with the other driver, including:

  • Name and contact information
  • License plate number
  • Insurance company and policy number
  • Driver’s license number

Take Photographs of the Accident

Take photos of the accident scene, including:

  • Damage to both vehicles
  • License plates #
  • Injuries, if any
  • Traffic signs or lights

Contact Your Insurance Company

Always inform your insurance company of whether the accident was your fault. They will provide details and help you understand the steps you need to take. 

Contact The Good Insurance Group LLC Today

For more tips, contact The Good Insurance Group LLC today! We proudly serve the Bloomsburg, PA area and are happy to help you prepare.

Is a business owner’s policy right for my business?

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A business owner’s policy (BOP) provides a business’s four most commonly needed insurance coverage types for a lower premium than buying them separately. The Good Insurance Group LLC offers BOPs to help Bloomsburg, PA business owners fully cover their businesses with the necessary insurance for less money. A BOP provides the four most common policies, but you can adjust the coverage amounts according to your business needs. Let’s take an in-depth look at this spectacular insurance product.

Buying a BOP

When you buy a BOP, your business receives the liability and equipment coverage needed to protect it from financial loss in most scenarios. A BOP includes General Liability, Commercial Property Perils, and Business interruption. To maximize your coverage, request all-perils coverage.

Adding Other Coverage

Businesses can use the BOP they buy as a foundation for adding other insurance coverage. Commonly added options include crime, fidelity, forgery, and spoilage of inventory insurance policies. More than 25 specialty types of commercial insurance exist so that you can tailor the coverage to your business needs.

Who Qualifies for BOPs?

Corporations and large companies cannot buy BOPs. This bundle of basic business insurance only goes to small and medium-sized businesses. Your business’ location, classification, and annual revenue also influence your qualification.

Contact Us for Your BOP

The Good Insurance Group LLC offers business owners policies to help protect Bloomsburg, PA businesses. Contact us today to apply for your BOP. We can help you determine the suitable insurance types to add so your business starts with the proper coverage.

The Benefits of Home Insurance During Natural Disasters

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Home insurance provides protection and peace of mind, especially during natural disasters. Knowing these benefits helps homeowners prepare for unforeseen events and protect their homes in and around the Bloomsburg, PA area.

Restoring and Rebuilding

One of the key benefits of home insurance during natural disasters is property protection. Home insurance policies typically cover damage caused by perils such as storms, hurricanes, earthquakes, or wildfires. 

In a natural disaster, homeowners can file insurance claims to receive financial assistance for repairing or rebuilding their homes. This coverage helps homeowners recover from the damage incurred and restore their properties.

Replacing Personal Belongings

Home insurance also covers personal belongings damaged or destroyed during natural disasters. This includes furniture, electronics, appliances, clothing, and other valuable items. Replacing these possessions can be expensive, but home insurance can help offset the costs and ease homeowners’ financial burdens.

Temporarily Relocating

In cases where homes become uninhabitable due to natural disasters, home insurance policies sometimes include coverage for additional living expenses. This coverage helps homeowners cover costs related to temporary accommodations, meals, and other necessary expenses while their homes are being repaired or rebuilt. It provides the support needed to maintain a certain standard of living during a challenging time.

Covering Legal Liabilities

Home insurance also offers liability protection, which is valuable during natural disasters. If a visitor or someone else is injured on your property during a disaster, your home insurance may cover medical expenses or legal liabilities that may arise. This protects homeowners from potential lawsuits and against unforeseen accidents or injuries.

How The Good Insurance Group LLC Can Help You

At The Good Insurance Group LLC, we can answer all your questions concerning the benefits of having home insurance coverage. We assist the Bloomsburg, PA region. Contact us today. 

Tips to keep your classic car running like it is brand new

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If you’re a classic car enthusiast in the Bloomsburg, PA area, you know the importance of preserving your ride. Keeping your classic car running like it is new requires regular maintenance and careful attention to detail. Here are some tips from us at The Good Insurance Group LLC for keeping your classic car running smoothly: 

  1. Regular Oil Changes – Regular oil changes are essential for optimal engine performance. Be sure to use an oil designed specifically for classic cars, which will help keep the engine in tip-top shape. 
  2. Check Fluids – All fluids should be checked often to ensure they are at the proper levels. This includes coolants, antifreeze, brake fluids, power steering fluids, and transmission fluids. 
  3. Inspect Belts and Hoses – It’s essential to inspect belts and hoses regularly for signs of wear or damage. These components can quickly become cracked or frayed if not taken care of properly, so check them periodically and replace them when necessary. 
  4. Clean Engine Compartment – To help prevent corrosion and other problems from occurring in your engine compartment, clean it out regularly with a degreaser or other cleaning agent designed for engines. 
  5. Tune-Ups – Keep your classic car running like new by doing regular tune-ups every six months (or according to the manufacturer’s recommended intervals). This will ensure that all systems are running at peak efficiency and that any minor problems can be addressed early on before they become major issues down the road. 

For more tips, call us at The Good Insurance Group LLC today! We proudly serve the Bloomsburg, PA area and would happily help.

What Does Recreational Insurance Cover?

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Some people find insurance confusing and overwhelming because there are so many different types of coverage. Here at The Good Insurance Group LLC, serving Bloomsburg, PA, and the surrounding areas, we want to help customers learn all they can about insurance products to make intelligent insurance choices. Keep reading to learn more about recreational insurance. 

What Does Recreational Insurance Cover?

Recreational insurance provides coverage for recreational vehicles and items. This can include campers, RVs, ATVs, boats, jet skis, snowmobiles, dirt bikes, and other various types of recreational vehicles. This type of insurance is sometimes required by law to operate certain types of recreational vehicles. 

Do I Need Recreational Insurance?

You will need to do your own research to determine if you are legally required to carry insurance for your particular type of recreational vehicle. These rules can vary from state to state and from vehicle to vehicle. 

What Happens If I Don’t Have Recreational Insurance?

If you opt not to carry recreational insurance, you could risk being held liable for expenses resulting from an accident. For instance, even if you are not required by law to carry insurance on your ATV, if someone is injured or property is damaged because of the ATV, you will be held responsible for paying for the damage or medical treatment if someone is injured. 

Insurance coverage means the policy will kick in and help pay those expenses for you. 

If you want to learn more about recreational insurance, please get in touch with us at The Good Insurance Group LLC, which serves Bloomsburg, PA, and the surrounding areas. 

What Does Renters Insurance Cover?

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When someone rents a house or an apartment, there are usually some requirements that the landlord or the state has. One of these requirements is probably insurance. While the state might not require tenants to have renters insurance, most landlords require it before you can sign the lease. If you are new to renting, you might not know what all renters insurance covers. Here are some everyday things renters insurance covers across most insurance companies.

Personal belongings

Whether you are a renter or a homeowner, you most likely have personal items to put into your home. Personal belongings refer to the things you own, such as clothes, furniture, appliances, electronics, etc. One of the most well-known parts of renters insurance is coverage for personal belongings.

Liability coverage

Liability coverage is a common type of coverage across all types of insurance, including renters insurance. For example, you have a guest over at your home. They are walking on the front steps, and they trip and fall. Your guest ends up breaking their leg and has medical bills because of it. Liability coverage pays for the medical bills and any possible lawsuits from the accident.

Medical bills and legal fees add up quickly. Without liability coverage, you would be stuck paying for all of those expenses by yourself, potentially draining whatever savings you have.

Additional living expenses

Sometimes something like a natural disaster or a fire happens, leaving you without a livable place. Suppose the site you are renting becomes unlivable. In that case, your insurance can help you with the additional living costs, including hotel rooms and food, until your home gets fixed and becomes livable again.

Contact The Good Insurance Group

For more information about renters insurance, contact us at The Good Insurance Group LLC in Bloomsburg, PA.

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